CN116702731A

CN116702731A - Due diligence report generation method, device, computer equipment and storage medium

Info

Publication number: CN116702731A
Application number: CN202310551895.7A
Authority: CN
Inventors: 李模楷; 陈冠颖; 管怡成; 王佳捷
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2023-05-16
Filing date: 2023-05-16
Publication date: 2023-09-05

Abstract

The application relates to a method, a device, computer equipment and a storage medium for generating a due diligence survey report. The method is applied to the field of financial science and technology or other related fields, and comprises the following steps: acquiring a due diligence survey user list, generating a due diligence survey template according to the information configuration file, generating a due diligence survey flow according to the flow configuration file, and sequentially processing the due diligence survey template according to the due diligence survey user list and a plurality of tasks indicated by the due diligence survey flow to obtain a due diligence survey report. By adopting the method, the user can flexibly modify the information configuration file and the process configuration file based on the code description of the execution code, and further flexibly modify the due diligence investigation template and the due diligence investigation process, that is, when the due diligence investigation requirement of the client changes or the investigation process needs to be adjusted, the adjustment flexibility is greatly improved, and further, the labor and time cost of updating and iterating the due diligence investigation system of the client by the financial institution can be effectively reduced.

Description

Due diligence report generation method, device, computer equipment and storage medium

Technical Field

The present application relates to the field of financial science and technology or other related fields, and in particular, to a method, an apparatus, a computer device, and a storage medium for generating a due diligence report.

Background

Customer due diligence (Customer Due Diligence, CCD) is a method of investigation that is widely used by various financial institutions to investigate customer contexts, knowing the professional condition, business context, purpose of transaction, nature of transaction, and source of funds.

The prior realization scheme of the client due-job investigation is that a business person or a product manager firstly brings up the client due-job investigation requirement, then draws up a corresponding investigation flow, and a research and development person carries out the research and development of a corresponding investigation system based on the client due-job investigation requirement and the investigation flow so as to be used by a financial institution to investigate the client background.

However, when the customer's due job investigation needs change or the investigation flow needs to be adjusted, the above investigation method has a problem of poor adjustment flexibility.

Disclosure of Invention

In view of the foregoing, it is desirable to provide a method, an apparatus, a computer device, and a storage medium for generating a due diligence report, which can improve the flexibility of a client due diligence survey.

In a first aspect, the present application provides a method for generating a due diligence report. The method comprises the following steps:

acquiring a due job investigation user list;

generating a due-job investigation template according to the information configuration file and generating a due-job investigation flow according to the flow configuration file; the information configuration file comprises execution codes and code descriptions corresponding to the due diligence survey template; the flow configuration file comprises execution codes and code descriptions corresponding to the due investigation flow;

and sequentially processing the due diligence survey templates according to the due diligence survey user list and the plurality of tasks indicated by the due diligence survey flow to obtain a due diligence survey report.

In one embodiment, the method further comprises:

acquiring a survey information updating instruction; the investigation information updating instruction is one of a deleting instruction, a modifying instruction and an adding instruction;

and extracting the update content and the update mode from the investigation information update instruction, and updating the information configuration file according to the update content and the update mode.

In one embodiment, if the investigation information update instruction is a deletion instruction, the update information configuration file includes:

determining a deletion position in the information configuration file according to the updating mode and the code description in the information configuration file;

And deleting the execution code corresponding to the updated content at the deleting position in the information configuration file to update the information configuration file.

In one embodiment, if the investigation information update instruction is a modification instruction, the update information configuration file includes:

determining a modification position in the information configuration file according to the updating mode and the code description in the information configuration file;

and modifying the execution code at the modification position according to the code corresponding to the update content so as to update the information configuration file.

In one embodiment, if the investigation information update instruction is an add instruction, the update information configuration file includes:

determining an increasing position in the information configuration file according to the updating mode and the code description in the information configuration file;

and adding an execution code corresponding to the updated content at the added position in the information configuration file to update the information configuration file.

In one embodiment, the plurality of tasks includes a filling task, an auditing task, a rechecking task, and a report generating task, and the processing of the due diligence survey template according to the due diligence survey user list and the plurality of tasks indicated by the due diligence survey flow in turn, to obtain a due diligence survey report, includes:

Acquiring the due-job investigation information of each user in the due-job investigation user list according to the filling task indicated by the due-job investigation flow, and filling the due-job investigation information into a due-job investigation template to obtain a due-job questionnaire;

according to the auditing task indicated by the due diligence investigation flow, an auditing instruction is sent to the first due diligence investigation terminal, an auditing result returned by the first due diligence investigation terminal according to the auditing instruction is obtained, and the auditing result is added into the due diligence investigation table to obtain a primary-core due diligence investigation table;

according to the rechecking task indicated by the due diligence survey flow, sending a rechecking instruction to a second due diligence survey terminal, acquiring a rechecking result returned by the first due diligence survey terminal according to the rechecking instruction, and adding the rechecking result into a primary check due diligence questionnaire to obtain a final check due diligence questionnaire;

generating tasks according to reports indicated by the due-job investigation flow, and generating a due-job investigation report according to a final-audit due-job questionnaire.

In one embodiment, generating a due diligence survey template from the information profile and generating a due diligence survey process from the process profile includes:

compiling and running the execution codes in the information configuration file to generate a due job investigation template, and compiling and running the execution codes in the flow configuration file to generate a due job investigation flow.

In a second aspect, the application also provides a device for generating the due diligence survey report. The device comprises:

the acquisition module is used for acquiring a due job investigation user list;

the generating module is used for generating a due job investigation template according to the information configuration file and generating a due job investigation flow according to the flow configuration file; the information configuration file comprises execution codes and code descriptions corresponding to the due diligence survey template; the flow configuration file comprises execution codes and code descriptions corresponding to the due investigation flow;

and the processing module is used for sequentially processing the due diligence survey templates according to the due diligence survey user list and the tasks indicated by the due diligence survey flow to obtain a due diligence survey report.

In a third aspect, the present application also provides a computer device. The computer device comprises a memory storing a computer program and a processor which when executing the computer program performs the steps of:

acquiring a due job investigation user list;

In a fourth aspect, the present application also provides a computer-readable storage medium. The computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of:

acquiring a due job investigation user list;

In a fifth aspect, the present application also provides a computer program product. The computer program product comprises a computer program which, when executed by a processor, implements the steps of:

acquiring a due job investigation user list;

The method, the device, the computer equipment and the storage medium for generating the due diligence survey report firstly acquire a due diligence survey user list, then generate a due diligence survey template according to the information configuration file, generate a due diligence survey flow according to the flow configuration file, and finally process the due diligence survey template in sequence according to the due diligence survey user list and a plurality of tasks indicated by the due diligence survey flow to obtain the due diligence survey report. The method considers that the due-job investigation template is generated according to the information configuration file and the due-job investigation flow is generated according to the flow configuration file, and the information configuration file and the flow configuration file both comprise corresponding execution codes and code descriptions, so that a user can flexibly modify the information configuration file and the flow configuration file based on the code descriptions of the execution codes, and further flexibly modify the due-job investigation template and the due-job investigation flow, that is, when the due-job investigation requirement of a client changes or the investigation flow needs to be adjusted, the adjustment flexibility is greatly improved, and further the labor and time cost of updating and iterating a client due-job investigation system by a financial institution can be effectively reduced.

Drawings

FIG. 1 is an application environment diagram of a due diligence report generation method in one embodiment;

FIG. 2 is a flow diagram of a method of due diligence report generation in one embodiment;

FIG. 3 is a flow chart of a method for generating a due diligence report in another embodiment;

FIG. 4 is a flowchart illustrating the step S205 in the embodiment of FIG. 3;

FIG. 5 is another flow chart of step S205 in the embodiment of FIG. 3;

FIG. 6 is another flow chart of step S205 in the embodiment of FIG. 3;

FIG. 7 is a flow chart of a method for generating a due diligence report in another embodiment;

FIG. 8 is a flowchart illustrating the step S207 in the embodiment of FIG. 7;

FIG. 9 is another flow chart of step S207 in the embodiment of FIG. 7;

FIG. 10 is another flow chart of step S207 in the embodiment of FIG. 7;

FIG. 11 is a flow chart of a method for generating a due diligence report in another embodiment;

fig. 12 is a block diagram showing the structure of the due diligence report generating device in one embodiment.

Detailed Description

The present application will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present application more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application.

For standardizing financial institution customers' due diligence, customer identity data and transaction records save behavior, the related departments will continuously change with the requirements of the regulatory departments on the due diligence of the customers. Customer due diligence (Customer Due Diligence, CCD) is a method of investigation that is widely used by various financial institutions to investigate customer contexts, knowing the professional condition, business context, purpose of transaction, nature of transaction, and source of funds. The prior realization scheme of the client due-job investigation is that a business person or a product manager firstly brings up the client due-job investigation requirement, then a corresponding investigation flow is planned, and then a research and development person carries out the research and development of a corresponding investigation system based on the client due-job investigation requirement and the investigation flow, so that a financial institution can use the investigation system to investigate the client background. However, when the customer's due job investigation needs change or the investigation flow needs to be adjusted, the above investigation method has a problem of poor adjustment flexibility.

After the background technology of the due diligence report generating method provided by the embodiment of the present application is described above, an implementation environment related to the due diligence report generating method provided by the embodiment of the present application will be briefly described below. The due diligence reporting method provided by the embodiment of the application can be applied to the computer equipment shown in the figure 1. The computer device comprises a processor, a memory, and a computer program stored in the memory, wherein the processor is connected through a system bus, and when executing the computer program, the processor can execute the steps of the method embodiments described below. Optionally, the computer device may further comprise an input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium having stored therein an operating system, computer programs, and a database, an internal memory. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The input/output interface of the computer device is used for communicating with an external terminal through a network connection. Optionally, the computer device may be a server, a personal computer, a personal digital assistant, other terminal devices, such as a tablet computer, a mobile phone, etc., or a cloud or remote server, and the embodiment of the present application does not limit a specific form of the computer device.

It will be appreciated by those skilled in the art that the architecture shown in fig. 1 is merely a block diagram of some of the architecture relevant to the present inventive arrangements and is not limiting as to the computer device to which the present inventive arrangements may be implemented, as a particular computer device may include more or less components than those shown, or may be combined with some components, or may have a different arrangement of components.

After the application scenario of the method for generating the due diligence report provided by the embodiment of the application is introduced, the generation process of the due diligence report is mainly introduced below.

In one embodiment, as shown in fig. 2, a method for generating a due diligence report is provided, and the method is applied to the computer device in fig. 1 for illustration, and includes the following steps:

s201, acquiring a due diligence survey user list.

The due investigation user may be a user for whom the financial institution needs to perform a due investigation, for example, a user who newly opens an account at the financial institution, or a user who initiates a special (huge amount) transfer transaction, or the like; the due diligence survey user list can comprise one due diligence survey user or a plurality of due diligence survey users.

In the embodiment of the application, when the financial business of the user needs to be investigated, the computer equipment can acquire the user list needing to be investigated, namely the due-job investigation user list, from the financial system database.

S202, generating a due-job investigation template according to the information configuration file and generating a due-job investigation flow according to the flow configuration file.

The information configuration file comprises execution codes and code descriptions corresponding to the due diligence survey template; the execution code corresponding to the due job investigation template can be the execution code generated jointly according to the definition of the template block and the arrangement combination among the template blocks; the method can also be an execution code directly written according to the due-job investigation template; as shown in table 1 below, the due diligence survey template is generally divided into a plurality of blocks such as customer base information, customer account information, customer transaction behavior index, customer risk status, and customer due diligence survey conclusion.

Table 1 Block partitioning of due diligence templates

The code description corresponding to the due diligence template may be the meaning of a line of codes, or may be a code description prompting the user how to modify the execution code in the information configuration file to modify the due diligence template. For example, the execution code of the customer base information block of the due diligence template may be represented by the following code:

the code descriptions corresponding to the execution codes may be: the basic information block of the client comprises the name, age, nationality and occupation of the user, wherein the data content needing dynamic change is identified by adopting $ { data variable }, and the data content needing dynamic change is the content needing to change along with the change of the client, such as the name, age and the like of the client.

For another example, the execution code corresponding to the arrangement combination between the template blocks in the due diligence template is as follows:

the code descriptions corresponding to the execution codes may be: the job title survey template blocks numbered CDD01 (customer job title information) are distributed in a single row, and the job title survey template blocks numbered CDD02 (customer account information) and CDD03 (customer transaction index feature) are distributed in the same row in two different columns.

Optionally, an XML file is used to store the information configuration file, an XML file declaration is defined at the first line of the file, version represents an XML version, encoding represents a file encoding, examples are as follows:

<？xml version＝"1.0"encoding＝"UTF-8"？>

further, defining specific configuration content at the second line of the file, providing that a < MODULE > </MODULE > tag is used to represent a unique root element, providing an attribute to define template configuration file information, an attribute id to represent a template configuration file number, an attribute desc to represent a template configuration file description, an attribute version to represent a template configuration file version, and template contents are all defined in its child nodes, examples are as follows:

< MODULE id= "CDD1" desc= "client due diligence template configuration" version= "1.0" >

Template content.

</MODULE>

Next, it is specified that the template BLOCK defined in the template definition unit is represented using a < BLOCK > </BLOCK > tag, an attribute id is provided to represent the template number, and an attribute version represents the template version, as exemplified below:

Again, provision is made for using < ROW > </ROW > tags to represent their child nodes distributed in a ROW, < COL > </COL > tags to represent a column, where the child nodes of the < ROW > </ROW > tags must be < COL > </COL > tags, to achieve a simple layout of a simple job-of-investigation template, examples of which are as follows:

The flow configuration file comprises execution codes and code descriptions corresponding to the due investigation flow; the execution code corresponding to the due job investigation flow can be the execution code which is generated jointly according to the definition of the flow task and the arrangement combination among the tasks; the method can also be an execution code directly written according to the due-job investigation flow; it should be noted that, as shown in the following table 2, the due-job investigation flow generally includes a content automatic filling task, an all-person auditing task, and the like, and each task includes information such as a task number, a name, a description, a processor, and the like, specifically as follows:

Table 2 task partitioning of the due diligence process

It should be noted that, the task processor in table 2 refers to a specific user or a role post that can execute the task in the system, and one or more task processors can be configured; the task type refers to the classification of the task, including service tasks and user tasks; service tasks refer to tasks which can be automatically completed by the system, and do not need user intervention or appointed processing personnel; user tasks refer to tasks that must be completed by a user interacting with the system, and a handler must be specified.

Optionally, an XML file is used to store the flow configuration file, an XML file declaration is defined at the first line of the file, version represents an XML version, encoding represents a file encoding, examples are as follows:

<？xml version＝"1.0"encoding＝"UTF-8"？>

secondly, starting at the second line of the file as specific configuration content, the < FLOW > </FLOW > tag is used for representing a unique root element, an attribute is provided for defining FLOW configuration file information, an attribute id represents a FLOW configuration file number, an attribute desc represents a FLOW configuration file description, an attribute version represents a FLOW configuration file version, and FLOW task execution logic is defined in its child nodes, for example as follows:

< FLOW id= "FLOW1" desc= "client due job investigation FLOW configuration" version= "1.0" >

Task.

</FLOW>

Again, provision is made for the TASK defined in the flow definition unit to be represented using a < TASK > </TASK > tag, the attribute id being provided to represent the TASK number; the attribute dependent represents dependent tasks, a plurality of tasks can be configured, and English comma separation is adopted; the optional attribute dependent-type indicates the type of dependency, AND must be configured when the dependent attribute configures multiple tasks, the optional values include AND OR, where AND indicates that both dependent tasks need to be completed to execute the current task, AND OR indicates that one dependent task is completed to execute the current task, examples are as follows:

</TASK>

the codes corresponding to the due diligence flow codes are described as follows: TASK number TASK03 depends on TASK number TASK01 to be completed and at the same time depends on TASK number TASK02 to be completed before being executed.

Alternatively, when a plurality of TASKs depend on the same TASK, that is, it means that a plurality of TASKs can be executed in parallel, for example, a TASK with the number of TASK03 and a TASK with the number of TASK04 depend on a TASK with the number of TASK02 at the same time, that is, a TASK with the number of TASK03 and a TASK with the number of TASK04 can be executed in parallel.

Optionally, a start event and an end event are provided to identify the start and end of the entire flow, the start event does not have to configure a dependent task, the end event has to configure a dependent task, examples are as follows:

The codes corresponding to the due diligence flow codes are described as follows: TASK number TASK04 is TASK dependent start event with TASK number TASK 01.

In the embodiment of the application, after the information configuration file is compiled according to the execution codes and the code descriptions corresponding to the due-job investigation template, the codes described in the information configuration file can be compiled to form the practically available due-job investigation template; after the flow configuration file is compiled according to the execution codes and the code descriptions corresponding to the due diligence investigation flow, the codes described in the flow configuration file can be compiled to form the practically available due diligence investigation flow.

S203, sequentially processing the due diligence survey templates according to the due diligence survey user list and the tasks indicated by the due diligence survey flow to obtain a due diligence survey report.

In the embodiment of the application, the computer equipment can sequentially fill the due diligence survey templates according to the due diligence survey information of each user recorded in the due diligence survey user list and a plurality of tasks indicated in the due diligence survey flow to obtain the filled due diligence survey templates, namely the due diligence survey report.

According to the method for generating the due diligence survey report, firstly, a due diligence survey user list is acquired, then, a due diligence survey template is generated according to the information configuration file, a due diligence survey flow is generated according to the flow configuration file, and finally, the due diligence survey template is sequentially processed according to the due diligence survey user list and a plurality of tasks indicated by the due diligence survey flow, so that the due diligence survey report is obtained. The method considers that the due-job investigation template is generated according to the information configuration file and the due-job investigation flow is generated according to the flow configuration file, and the information configuration file and the flow configuration file both comprise corresponding execution codes and code descriptions, so that a user can flexibly modify the information configuration file and the flow configuration file based on the code descriptions of the execution codes, and further flexibly modify the due-job investigation template and the due-job investigation flow, that is, when the due-job investigation requirement of a client changes or the investigation flow needs to be adjusted, the adjustment flexibility is greatly improved, and further the labor and time cost of updating and iterating a client due-job investigation system by a financial institution can be effectively reduced.

In one embodiment, based on the embodiment shown in fig. 2, as shown in fig. 3, the method further includes:

s204, acquiring a survey information update instruction.

The investigation information updating instruction is one of a deleting instruction, a modifying instruction and an adding instruction.

In the embodiment of the application, when the due-job investigation template is required to be modified, the computer equipment acquires investigation information updating instructions input by a user so as to update the information configuration file, and then generates the updated due-job investigation template according to the updated information configuration file.

S205, extracting updated contents and updated modes from the investigation information updating instructions, and updating the information configuration file according to the updated contents and the updated modes.

The investigation information update instruction includes update content and update mode, for example, a feature named as "customer main transaction channel" needs to be added to the second row and the third column in the original due job investigation template, and then the update content in the investigation information update instruction is "customer main transaction channel", and the update mode in the investigation information update instruction is "add in the second row and the third column in the original due job investigation template".

In the embodiment of the application, after the investigation information updating instruction is acquired, the computer equipment can acquire the content to be updated and the updating mode from the investigation information updating instruction, then update the original information configuration file according to the updated content and the content recorded in the updating mode to obtain the updated information configuration file, and further generate the updated due post investigation template according to the updated information configuration file.

Specific ways of updating the information configuration file are described below with respect to the investigation information update instruction being a delete instruction, a modify instruction, and an add instruction, respectively.

For example, if the investigation information update instruction is a deletion instruction, a description may be given of a process of updating the information configuration file according to the update content and the update manner, as shown in fig. 4, where S205 "the update information configuration file according to the update content and the update manner" includes:

s401, determining a deleting position in the information configuration file according to the updating mode and the code description in the information configuration file.

In the embodiment of the application, after the investigation information updating instruction is obtained, if the investigation information updating instruction is a deletion instruction, the computer equipment extracts an updating mode from the investigation information updating instruction, and then determines the deletion position in the information configuration file according to the code description in the information configuration file; for example, if the update mode in the survey information update instruction is to delete the "customer primary transaction channel", the location of the "customer primary transaction channel" in the information profile is found according to the code description of the information profile, that is, the information indicating the location is to be deleted.

S402, deleting the execution code corresponding to the updated content at the deleting position in the information configuration file to update the information configuration file.

In the embodiment of the application, after the deletion position in the information configuration file is determined, the execution code corresponding to the update content in the position is deleted to update the information configuration file, and an updated due diligence survey template is generated according to the updated configuration file.

For example, if the investigation information update instruction is a modification instruction, a process of updating the information configuration file according to the update content and the update manner may be described based on the embodiment shown in fig. 3, and as shown in fig. 5, S205 "the update information configuration file according to the update content and the update manner" includes:

s501, determining a modification position in the information configuration file according to the updating mode and the code description in the information configuration file.

In the embodiment of the application, after the investigation information updating instruction is obtained, if the investigation information updating instruction is a modification instruction, the computer equipment extracts an updating mode from the investigation information updating instruction, and then determines the modification position in the information configuration file according to the code description in the information configuration file; for example, if the update mode in the survey information update instruction is to modify the "customer primary transaction channel", the location of the "customer primary transaction channel" in the information configuration file is found according to the code description of the information configuration file, that is, the information indicating the location is to be modified.

S502, modifying the execution code at the modification position according to the code corresponding to the update content so as to update the information configuration file.

In the embodiment of the application, after the modification position in the information configuration file is determined, the execution code at the modification position in the information configuration file is modified according to the update content in the investigation information update instruction so as to modify the information configuration file, and a modified due diligence investigation template is generated according to the modified configuration file; for example, if the modification position in the determined information configuration file is "second row and third column", and the update content in the survey information update instruction is "modify the original primary transaction channel into the customer transaction channel", then the "primary transaction channel of the second row and third column" is modified into the "customer transaction channel", so as to form a modified configuration file, and a modified due diligence survey template is generated according to the modified configuration file.

In example three, if the investigation information update instruction is an add instruction, a procedure of updating the information configuration file according to the update content and the update manner may be described based on the embodiment shown in fig. 3, and as shown in fig. 6, S205 "the update information configuration file according to the update content and the update manner" includes:

S601, determining an increasing position in the information configuration file according to the updating mode and the code description in the information configuration file.

In the embodiment of the application, after the investigation information updating instruction is obtained, if the investigation information updating instruction is an increasing instruction, the computer equipment extracts an updating mode from the investigation information updating instruction, and then determines the increasing position in the information configuration file according to the code description in the information configuration file; for example, if the update mode in the investigation information update instruction is to add content in the second row and the third column, the second row and the third column of the information profile are found according to the code description of the information profile, that is, the information addition content to be at the position is indicated.

S602, adding an execution code corresponding to the updated content at an added position in the information configuration file to update the information configuration file.

In the embodiment of the application, after the addition position in the information configuration file is determined, an execution code is added on the addition position in the information configuration file according to the update content in the investigation information update instruction so as to modify the information configuration file, and a modified due job investigation template is generated according to the modified configuration file; for example, if the determined adding position in the information configuration file is "second row and third column", and the update content in the survey information update instruction is "adding the main business channel of the client", then adding the main business channel of the client "at the position of the second row and third column of the original information configuration file to form a modified information configuration file, and generating a modified due diligence survey template according to the modified information configuration file.

According to the method for updating the information configuration file, the fact that the due-job investigation template is generated according to the information configuration file is considered, and the information configuration file comprises corresponding execution codes and code descriptions is adopted, so that a user can flexibly modify the information configuration file based on the code descriptions of the execution codes, and further flexibly modify the due-job investigation template, that is, when the due-job investigation requirement of the user changes, the adjustment flexibility is greatly improved, and further the labor and time cost of updating iteration of the due-job investigation system of the financial institution to the client can be effectively reduced.

In one embodiment, based on the embodiment shown in fig. 2, as shown in fig. 7, the method further includes:

s206, acquiring a survey flow update instruction.

The investigation flow update instruction is one of a deletion instruction, a modification instruction and an addition instruction.

In the embodiment of the application, when the due-job investigation flow is required to be modified, the computer equipment acquires the investigation flow updating instruction input by the user so as to update the flow configuration file, and then generates an updated due-job investigation flow according to the updated flow configuration file.

S207, extracting update contents and update modes from the investigation flow update instruction, and updating the flow configuration file according to the update contents and the update modes.

The investigation flow update instruction includes update content and update mode, for example, a feature named "review of review staff" needs to be added to the second row and the third column in the original due job investigation flow, and then the update content in the investigation flow update instruction is "review by review staff" and the update mode in the investigation flow update instruction is "add in the second row and the third column in the original due job investigation flow".

In the embodiment of the application, after the investigation flow update instruction is obtained, the computer equipment can obtain the content to be updated and the update mode from the investigation flow update instruction, then update the original flow configuration file according to the updated content and the content recorded in the update mode to obtain an updated flow configuration file, and further generate an updated due diligence investigation flow according to the updated flow configuration file.

The following describes specific ways of updating the flow configuration file for the investigation flow update instruction as a delete instruction, a modify instruction, and an add instruction, respectively.

For example, if the investigation flow update instruction is a deletion instruction, a process of updating the flow configuration file according to the update content and the update manner may be described based on the embodiment shown in fig. 7, and as shown in fig. 8, the above S207 "update the flow configuration file according to the update content and the update manner" includes:

s801, determining a deletion position in the flow configuration file according to the updating mode and the code description in the flow configuration file.

In the embodiment of the application, after the investigation flow update instruction is obtained, if the investigation flow update instruction is a deletion instruction, the computer equipment extracts an update mode from the investigation flow update instruction, and then determines a deletion position in the flow configuration file according to the code description in the flow configuration file; for example, if the update mode in the investigation flow update instruction is to delete "review by review auditor", the position of "review by review auditor" in the flow configuration file is found according to the code description of the flow configuration file, that is, the flow at the position is deleted.

S802, deleting the execution code corresponding to the updated content at the deleting position in the flow configuration file to update the flow configuration file.

In the embodiment of the application, after the deletion position in the flow configuration file is determined, the execution code corresponding to the update content in the position is deleted to update the flow configuration file, and an updated due diligence investigation flow is generated according to the updated configuration file.

For example, if the investigation flow update instruction is a modification instruction, on the basis of the embodiment shown in fig. 7, a process of updating the flow configuration file according to the update content and the update manner may be described, as shown in fig. 9, where S207 "the update flow configuration file according to the update content and the update manner" includes:

s901, determining a modification position in the flow configuration file according to the updating mode and the code description in the flow configuration file.

In the embodiment of the application, after the investigation flow update instruction is obtained, if the investigation flow update instruction is a modification instruction, the computer equipment extracts an update mode from the investigation flow update instruction, and then determines a modification position in the flow configuration file according to the code description in the flow configuration file; for example, if the update mode in the investigation flow update instruction is to modify "the review by the review auditor", the location of "the review by the review auditor" in the flow configuration file is found according to the code description of the flow configuration file, that is, the flow information of the location is to be modified.

S902, modifying the execution code on the modification position according to the code corresponding to the update content so as to update the flow configuration file.

In the embodiment of the application, after the modification position in the flow configuration file is determined, the execution code at the modification position in the flow configuration file is modified according to the update content in the investigation flow update instruction so as to modify the flow configuration file, and a modified due investigation flow is generated according to the modified flow configuration file; for example, if the modification position in the determined flow configuration file is "second row and third column", and the update content in the investigation flow update instruction is "modify the original review by the review staff", then modify the "review by the review staff" in the second row and third column to "review by the review staff", form a modified flow configuration file, and generate a modified due job investigation flow according to the modified flow configuration file.

In example three, if the investigation flow update instruction is an add instruction, on the basis of the embodiment shown in fig. 7, a process of updating the flow configuration file according to the update content and the update manner may be described, as shown in fig. 10, where S702 "the update flow configuration file according to the update content and the update manner" includes:

S1001, determining an increasing position in the flow configuration file according to the updating mode and the code description in the flow configuration file.

In the embodiment of the application, after the investigation flow update instruction is obtained, if the investigation flow update instruction is an addition instruction, the computer equipment extracts an update mode from the investigation flow update instruction, and then determines an addition position in the flow configuration file according to the code description in the flow configuration file; for example, if the update mode in the investigation flow update instruction is to add content in the second row and the third column, the second row and the third column of the flow configuration file are found according to the code description of the flow configuration file, that is, the information added content to be in the position is indicated.

S1002, adding an execution code corresponding to the update content at an increasing position in the flow configuration file to update the flow configuration file.

In the embodiment of the application, after the addition position in the flow configuration file is determined, an execution code is added on the addition position in the flow configuration file according to the update content in the investigation flow update instruction so as to modify the flow configuration file, and a modified due job investigation flow is generated according to the modified flow configuration file; for example, if the addition position in the determined flow configuration file is "second row and third column", and the update content in the investigation flow update instruction is "increase review by review staff", then "increase review by review staff" is added at the position of the second row and third column of the original flow configuration file, so as to form a modified flow configuration file, and a modified review flow is generated according to the modified flow configuration file.

According to the updating method of the flow configuration file, the generation of the due investigation flow according to the flow configuration file is considered, and the flow configuration file comprises corresponding execution codes and code descriptions, so that a user can flexibly modify the flow configuration file based on the code descriptions of the execution codes, and further flexibly modify the due investigation flow, that is, when the client due investigation flow changes, the adjustment flexibility is greatly improved, and further the labor and time cost of updating iteration of a financial institution to a client due investigation system can be effectively reduced.

In one embodiment, on the basis of the embodiment shown in fig. 2 to 10, the tasks include a filling task, an auditing task, a review task, and a report generating task, and the process of sequentially processing the due diligence survey templates according to the due diligence survey user list and the tasks indicated by the due diligence survey process to obtain the due diligence survey report is described, as shown in fig. 11, the step S203 "sequentially processing the due diligence survey templates according to the multiple tasks indicated by the due diligence survey user list and the due diligence survey process to obtain the due diligence survey report" includes:

S1101, acquiring the due diligence survey information of each user in the due diligence survey user list according to the filling task indicated by the due diligence survey flow, and filling the due diligence survey information into the due diligence survey template to obtain a due diligence questionnaire.

The due-job investigation information is information already stored in the computer device, such as customer basic information, account information, and the like.

In the embodiment of the application, after the updated due diligence survey flow and the updated due diligence survey template are acquired, according to the filling task indicated by the updated due diligence survey flow, the due diligence survey information of each user in the due diligence survey user list is acquired, and the due diligence survey information of each user is automatically filled into the due diligence survey template, so that the due diligence questionnaire comprising the due diligence survey information of each user and the due diligence survey template is acquired.

S1102, according to the auditing task indicated by the due diligence investigation flow, an auditing instruction is sent to the first due diligence investigation terminal, an auditing result returned by the first due diligence investigation terminal according to the auditing instruction is obtained, and the auditing result is added into the due diligence questionnaire to obtain the primary check due diligence questionnaire.

In the embodiment of the application, after the due diligence questionnaire is acquired, a computer device sends an audit instruction to a first due diligence investigation terminal according to an audit task indicated by a due diligence investigation flow, the first due diligence investigation terminal can audit due diligence investigation information in the due diligence investigation terminal, an audit result is output after the audit of the first due diligence investigation terminal is completed, the audit result is returned to the computer device, the computer device acquires the audit result, and the audit result is added to the due diligence questionnaire acquired in the step S1101, so that the initial core due diligence questionnaire containing the audit result of the first due diligence investigation terminal is acquired.

S1103, sending a rechecking instruction to the second due diligence terminal according to the rechecking task indicated by the due diligence investigation flow, acquiring a rechecking result returned by the first due diligence investigation terminal according to the rechecking instruction, and adding the rechecking result into the primary due diligence questionnaire to obtain the final-audit due diligence questionnaire.

In the embodiment of the application, after the primary check due staff questionnaire is obtained, the computer equipment sends a rechecking instruction to the second due staff investigation terminal according to the rechecking task indicated by the due staff investigation flow, the second due staff investigation terminal rechecks the due staff investigation information in the primary check due staff investigation table again, the second due staff investigation terminal outputs an audit result after the audit is completed, the audit result is returned to the computer equipment, the computer equipment obtains the audit result, and the audit result is added into the primary check due staff questionnaire obtained in the step S1102 to obtain the final check due staff questionnaire comprising the audit result of the second due staff investigation terminal.

S1104, generating tasks according to reports indicated by the due-job investigation flow, and generating a due-job investigation report according to a final-review due-job questionnaire.

In the embodiment of the application, after the final audit staff questionnaire is obtained, the computer equipment generates a task according to the report indicated by the audit staff investigation flow and generates the final audit staff questionnaire.

According to the method for generating the due diligence survey report, according to the tasks indicated by the due diligence survey flow, the due diligence survey table is filled until the due diligence survey report containing the primary check result and the recheck result is generated, so that the information in the due diligence survey report is more accurate, and further the due diligence survey result of the user is more accurate.

In one embodiment, the process of generating the due diligence survey template according to the information configuration file and generating the due diligence survey process according to the process configuration file may be described based on the embodiment shown in fig. 2, where the step S202 "generating the due diligence survey template according to the information configuration file and generating the due diligence survey process according to the process configuration file" includes:

compiling and running the execution codes in the information configuration file, generating the due-job investigation template, and compiling and running the execution codes in the flow configuration file, generating the due-job investigation flow.

In the embodiment of the application, after the execution codes in the information configuration file are obtained, loading the template configuration file according to the given template configuration file number and version, analyzing file content (how to analyze) according to the file code defined by the first line, loading HTML code fragments in the corresponding template content from a database according to the id attribute and version attribute of the < BLOCK > </BLOCK > tag, and arranging and combining the HTML code fragments according to the page layout defined by the < ROW > </ROW > tag and the < COL > </COL > tag to form complete HTML code which can be analyzed by a browser client; further, compiling and running the execution codes in the flow configuration file to obtain a compiled and running due job investigation flow. Optionally, when a process needs to be started, loading a process configuration file, inserting all tasks depending on a start event into an operation task table in a database, setting a state to be processed, wherein the task type is automatically executed by a system, and the task type is waiting user interaction of a user task; recording the processing object and the processing time in a database when each task is processed, and forming a historical processing record of the whole flow for the user to inquire. Optionally, when processing a task is completed, inserting all tasks that depend on the task into the running task table in the database, setting the state as to be processed, inserting the task into the history task table in the database, and deleting the task from the running task table. Optionally, when the current flow instance is paused, the state of the currently running task is set to pause, and the task stops processing; when restarting the current flow instance, the state of the currently running task is reset to be processed, and the task can continue to be processed.

According to the method for generating the due diligence survey template and the due diligence survey process, the due diligence survey template is obtained by compiling and running the execution codes in the information configuration file, and the due diligence survey process is obtained by compiling and running the execution codes in the flow configuration file, so that the due diligence survey template and the due diligence survey process are flexibly modified, that is, when the due diligence survey requirements of clients change or the survey process needs to be adjusted, the adjustment flexibility is greatly improved, and further the labor and time cost of updating and iterating a due diligence survey system of financial institutions can be effectively reduced.

It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.

Based on the same inventive concept, the embodiment of the application also provides a due diligence report generating device for realizing the related due diligence report generating method. The implementation of the solution provided by the device is similar to the implementation described in the above method, so the specific limitation in the embodiments of the device for generating a due diligence survey report provided below may refer to the limitation of the method for generating a due diligence survey report hereinabove, which is not repeated herein.

In one embodiment, as shown in fig. 12, there is provided a due diligence report generating device, comprising: an acquisition module 10, a generation module 11 and a processing module 12, wherein:

and the acquisition module 10 is used for acquiring the due investigation user list.

The generating module 11 is configured to generate a due job investigation template according to the information configuration file, and generate a due job investigation flow according to the flow configuration file; the information configuration file comprises execution codes and code descriptions corresponding to the due diligence survey template; the flow configuration file comprises execution codes and code descriptions corresponding to the due investigation flow.

The processing module 12 is configured to sequentially process the due diligence survey template according to the due diligence survey user list and the plurality of tasks indicated by the due diligence survey flow, so as to obtain a due diligence survey report.

The respective modules in the above-described due diligence report generating device may be implemented in whole or in part by software, hardware, or a combination thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.

In one embodiment, a computer device is provided, which may be a server, the internal structure of which may be as shown in FIG. 1. The computer device includes a processor, a memory, an Input/Output interface (I/O) and a communication interface. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface is connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is for storing code data. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for communicating with an external terminal through a network connection. The computer program, when executed by a processor, implements a due diligence report generation method.

In an embodiment, there is also provided a computer device comprising a memory and a processor, the memory having stored therein a computer program, the processor implementing the steps of the method embodiments described above when the computer program is executed.

In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored which, when executed by a processor, carries out the steps of the method embodiments described above.

In an embodiment, a computer program product is provided, comprising a computer program which, when executed by a processor, implements the steps of the method embodiments described above.

It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use and processing of the related data need to comply with the related laws and regulations and standards of the related country and region.

Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magnetic random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (Phase Change Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the embodiments provided herein may include at least one of a relational database and a non-relational database. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processor referred to in the embodiments provided in the present application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic unit, a data processing logic unit based on quantum computing, or the like, but is not limited thereto.

The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.

The foregoing examples illustrate only a few embodiments of the application and are described in detail herein without thereby limiting the scope of the application. It should be noted that it will be apparent to those skilled in the art that several variations and modifications can be made without departing from the spirit of the application, which are all within the scope of the application. Accordingly, the scope of the application should be assessed as that of the appended claims.

Claims

1. A method for generating a due diligence report, the method comprising:

acquiring a due job investigation user list;

generating a due-job investigation template according to the information configuration file and generating a due-job investigation flow according to the flow configuration file; the information configuration file comprises execution codes and code descriptions corresponding to the due diligence survey template; the flow configuration file comprises execution codes and code descriptions corresponding to the due diligence flow;

And sequentially processing the due diligence survey template according to the due diligence survey user list and a plurality of tasks indicated by the due diligence survey flow to obtain a due diligence survey report.

2. The method according to claim 1, wherein the method further comprises:

and extracting updating contents and updating modes from the investigation information updating instructions, and updating the information configuration file according to the updating contents and the updating modes.

3. The method according to claim 2, wherein if the investigation information update instruction is the deletion instruction, the updating the information configuration file according to the update content and the update manner includes:

and deleting the execution code corresponding to the updated content at the deleting position in the information configuration file so as to update the information configuration file.

4. The method according to claim 2, wherein the survey information update instruction is a modification instruction, and the updating the information profile according to the update content and the update manner includes:

5. The method according to claim 2, wherein the survey information update instruction is an add instruction, and the updating the information profile according to the update content and the update manner includes:

and adding an execution code corresponding to the updated content at an added position in the information configuration file to update the information configuration file.

6. The method according to any one of claims 1-5, wherein the plurality of tasks includes a fill task, an audit task, a compound task, and a report generation task, and wherein the processing the due diligence survey template sequentially according to the due diligence user list and the plurality of tasks indicated by the due diligence survey process to obtain a due diligence survey report includes:

Acquiring the due-job investigation information of each user in the due-job investigation user list according to the filling task indicated by the due-job investigation flow, and filling the due-job investigation information into the due-job investigation template to obtain a due-job questionnaire;

according to the auditing task indicated by the due diligence investigation flow, an auditing instruction is sent to a first due diligence investigation terminal, an auditing result returned by the first due diligence investigation terminal according to the auditing instruction is obtained, and the auditing result is added into the due diligence questionnaire to obtain a primary core due diligence questionnaire;

sending a rechecking instruction to a second due diligence terminal according to the rechecking task indicated by the due diligence investigation flow, acquiring a rechecking result returned by the first due diligence investigation terminal according to the rechecking instruction, and adding the rechecking result into the primary due diligence questionnaire to obtain a final-audit due diligence questionnaire;

and generating a task according to the report indicated by the due-job investigation flow, and generating the due-job investigation report according to the final-audit due-job questionnaire.

7. The method of any of claims 1-5, wherein generating a due diligence survey template from an information profile and generating a due diligence survey process from a process profile comprises:

8. An due diligence survey report generating device, the device comprising:

the acquisition module is used for acquiring a due job investigation user list;

the generating module is used for generating a due job investigation template according to the information configuration file and generating a due job investigation flow according to the flow configuration file; the information configuration file comprises execution codes and code descriptions corresponding to the due diligence survey template; the flow configuration file comprises execution codes and code descriptions corresponding to the due diligence flow;

and the processing module is used for sequentially processing the due diligence survey template according to the due diligence survey user list and the tasks indicated by the due diligence survey flow to obtain a due diligence survey report.

9. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 7 when the computer program is executed.

10. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 7.