CN117474675A

CN117474675A - Multistage auditing method and system suitable for financial transaction

Info

Publication number: CN117474675A
Application number: CN202311425623.9A
Authority: CN
Inventors: 高星
Original assignee: CITIC Aibank Corp Ltd
Current assignee: CITIC Aibank Corp Ltd
Priority date: 2023-10-31
Filing date: 2023-10-31
Publication date: 2024-01-30

Abstract

The invention provides a multi-stage auditing method and a system thereof applicable to financial transactions, and relates to the field of computer systems. The invention aims to solve the problem that different financial transactions cannot realize corresponding approval flows through simple configuration, the approval flows are configured to a user, the user completes corresponding flow setting according to own requirements, the auditing flows expressed by the invention can support one transaction function to configure one auditing flow, or a plurality of transaction functions jointly correspond to one auditing flow, the auditing flow is very flexible, the auditing flows can be adjusted according to different business requirements, and personnel and resources required by auditing can be reduced and the auditing cost is reduced through an automatic and centralized mode.

Description

Multistage auditing method and system suitable for financial transaction

Technical Field

The invention relates to the field of computer systems, in particular to a multi-stage auditing method and a system thereof suitable for financial transactions.

Background

The current prior art sets audit level aiming at customization of specific service scenes, and is mainly realized by the following modes:

customizing and checking flow: for different business scenarios, enterprises can customize different audit flows. For example, for some transactions that require high sensitivity, multiple approval sessions may be required, while for some normal transactions, only a simple audit may be required. The customized auditing flow can be adjusted and optimized according to business requirements.

Audit level configuration: in the customized auditing process, different auditing levels can be set according to different business functions. For example, some important financial transactions may require a high level of approval, while some conventional operations may require only a low level of approval.

Introducing an approval process framework: to achieve multi-level auditing of financial-type transactions, enterprises may introduce a heavyweight approval process framework. Such a framework may provide a flexible way to implement multi-level auditing and may be integrated with existing business processes.

However, these techniques also present some challenges and limitations:

the customized development cost is high: aiming at different business scenes, a great amount of manpower and material resources are required to be input in the customized development auditing process, and the development cost is high.

Cross-department collaboration is difficult to achieve: in a multi-level audit, collaboration between different departments is a difficulty. For example, in financial transactions, joint participation by multiple departments of finance, wind control, business, and the like may be required. How to achieve collaboration and information sharing across departments is a challenge.

The audit rules are difficult to formulate and execute: in multi-level auditing, how to formulate reasonable auditing rules is a difficulty. For example, in financial transactions, what transactions require high-level approval, how to ensure fairness and transparency of the approval, which are problems to be solved.

The auditing process has high complexity: the process of multi-stage auditing is often complex, and the auditing of a plurality of links is needed. This not only reduces auditing efficiency, but may also increase the risk of error.

Therefore, when implementing multi-level auditing of financial transactions, the problems of business requirements, development cost, cross-department collaboration, auditing rule formulation and execution and the like need to be comprehensively considered, and a proper solution is selected to implement flexible configuration. Meanwhile, the auditing process is required to be continuously optimized and improved, and the auditing efficiency and quality are improved.

Disclosure of Invention

Aiming at the requirements set forth in the background art, the embodiment of the invention provides a multi-stage auditing method and a system thereof suitable for financial transactions, which aim to solve the problem that different financial transactions cannot realize corresponding approval processes through simple configuration, and the approval processes are configured to users, and the users finish corresponding process settings according to the requirements.

A multi-stage auditing method suitable for financial transaction comprises the following specific steps:

step one: configuring a transaction auditing flow, wherein a user carries out auditing flow configuration on financial transactions existing in the system through an enterprise terminal;

step two: initiating a transaction, namely initiating the transaction through a configured auditing flow transaction function, checking whether the transaction function configures an auditing flow, checking whether a passage exists in the auditing flow, generating an auditing flow task and adding the auditing flow task into a task entity;

step three: the first-level auditing method comprises the steps that an operator receives transaction auditing notification, auditing is conducted, the task state in a task step entity is changed, after the last person auditing is passed, personnel information records of the task in an authorized user entity are deleted, next-level auditing steps are generated to the task step entity, next-level authorized personnel are stored in the authorized user entity, and an authorized user is notified;

step four: the multi-stage auditing is carried out, and the primary auditing logic is repeated until the auditing number is not configured at the next stage, and the auditing flow is ended;

step five: task processing for checking pass: and transferring the tasks which pass the auditing to the corresponding historical entities.

Further: the auditing flow corresponds to single or multiple transaction function configurations.

Further: a multi-stage auditing system suitable for financial transaction comprises an auditing flow configuration entity, a flow, a product association entity and a flow execution entity;

the flow execution entity comprises a transaction task entity, a task execution step entity and an authorized user alignment entity;

an auditing flow configuration entity for storing flow configuration items set by a user, auditing people of each level and transaction amount intervals corresponding to the flow;

the process and product association entity is used for storing product group information configured by a user setting process, and comprises a process id, a name and contained product functions;

and the transaction task entity is used for storing the audit flow task generated by transaction initiation, each transaction corresponds to a record, and whether the flow is completed or not is identified through the task state.

A task step entity for generating sub-steps according to the number of people in each level of auditing of the flow configuration and creating the next level of auditing step;

and the authorized user entity is used for storing a user list which can be authorized with the current step by each stage, completing the authorization of a person at the current stage, removing the authorized user entity from the authorized list, deleting all authorized persons of the task of the entity when the number of the audited persons reaches the current stage configuration, and generating a personnel list which needs to be audited by the authority at the next stage.

Further: the terminal device may include: the system comprises a processor, a storage medium and a bus, wherein the storage medium stores machine-readable instructions executable by the processor, when the terminal device is running, the processor communicates with the storage medium through the bus, and the processor executes the machine-readable instructions to execute the steps of the deep learning model training method as described in the previous embodiment.

Further: a storage medium storing a computer program which, when executed by a processor, performs the steps of the method described above.

Further: a computer program product comprising a computer program which, when executed by a processor, performs the method described above.

The invention has the beneficial effects that:

the flexibility is high: the auditing process can support one transaction function to configure one auditing process, or a plurality of transaction functions jointly correspond to one auditing process, so that the auditing process is very flexible and can be adjusted according to different business requirements.

The auditing efficiency is high: through a multi-level auditing mode, the time required by single auditing can be reduced, and auditing efficiency is improved.

The safety is strong: the multi-level auditing can avoid the error or malicious behavior of a single person or department in the auditing process, and reduce the risk of financial transaction.

The traceability is strong: each step of auditing has records, so that the auditing process and result of the transaction can be conveniently tracked and inquired, and the traceability of the transaction is improved.

The degree of automation is high: most of auditing flows can be automatically completed through a task generation and query mechanism, so that manual operation is reduced, and auditing accuracy and efficiency are improved.

The application range is wide: the invention is suitable for various financial transaction scenes including but not limited to stock, futures, foreign exchange and other transactions, and has wider application range.

The cost is reduced: by means of automation and centralization, personnel and resources required by auditing can be reduced, and auditing cost is reduced.

Improving user experience: by reducing manual operation and simplifying the auditing process, the experience of the user for financial transaction can be improved.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the embodiments will be briefly described below, it being understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and other related drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

Fig. 1 shows a schematic diagram of the composition of the system of the present invention.

FIG. 2 is a flowchart of the overall steps of the present invention from transaction verification process configuration to transaction initiation to verification completion.

FIG. 3 is a flow chart of the steps of the present invention for initiating a financial transaction.

FIG. 4 is a flow chart of the execution of a task through which the present invention passes migrating into a corresponding historical entity.

Fig. 5 shows a schematic diagram of the composition of the terminal device of the present invention.

Detailed Description

For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the technical solutions of the embodiments of the present invention will be clearly and completely described with reference to the accompanying drawings in the embodiments of the present invention, and it should be understood that the drawings in the present invention are for the purpose of illustration and description only and are not intended to limit the scope of the present invention. In addition, it should be understood that the schematic drawings are not drawn to scale. A flowchart, as used in this disclosure, illustrates operations implemented according to some embodiments of the present invention. It should be understood that the operations of the flow diagrams may be implemented out of order and that steps without logical context may be performed in reverse order or concurrently. Moreover, one or more other operations may be added to or removed from the flow diagrams by those skilled in the art under the direction of the present disclosure.

In addition, the described embodiments of the invention are only some, but not all, embodiments of the invention. The components of the embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the invention, as presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be made by a person skilled in the art without making any inventive effort, are intended to be within the scope of the present invention.

It should be noted that the term "comprising" will be used in embodiments of the invention to indicate the presence of the features stated hereafter, but not to exclude the addition of other features. It should also be noted that: like reference numerals and letters denote like items in the following figures, and thus once an item is defined in one figure, no further definition or explanation thereof is necessary in the following figures. In the description of the present invention, it should also be noted that the terms "first," "second," "third," and the like are used merely to distinguish between descriptions and should not be construed as indicating or implying relative importance.

The present invention is described in detail below with reference to the accompanying drawings.

As shown in fig. 1, the main entity components for implementing the multi-level auditing process are a multi-level auditing system suitable for financial transactions, wherein the entity components are mainly divided into two main types, the first type is that the process configuration entity comprises an auditing process configuration entity (A1) and a process and product association entity (A2), the main user is used for configuring the data entity of the auditing process for the function configuration of the transaction product, a plurality of products can be configured corresponding to one process to form a concept of a product group, one product group corresponds to one process, and one product group corresponds to a plurality of product functions;

the second type is a flow execution entity for controlling the execution of the whole auditing flow. The method mainly comprises a transaction task entity (T1), a task execution step entity (T2) and an authorized user opposite list entity (T3).

Audit flow configuration entity (A1): the method mainly comprises the steps of storing flow configuration items set by a user, auditing people of each level and transaction amount intervals corresponding to the flow;

process and product association entity (A2): the method mainly stores product group information configured by a user setting process, wherein the product group information comprises process ids, names and contained product functions, and one process can correspond to a plurality of transaction product functions. The configuration system and A1 together form an auditing flow, and the overall configuration schematic diagram is shown in FIG. 2:

transaction task entity (T1): and storing the auditing flow tasks generated by transaction initiation, wherein each transaction corresponds to a record, and identifying whether the flow is completed or not through the task state.

Task step entity (T2): generating sub-steps according to the number of each level of auditing of the process configuration, carrying out transaction price raising, wherein a level of auditing personnel needs 2 persons, generating two sub-step processes at the moment, wherein the states are all waiting for auditing, when the auditing of the level of auditing personnel is passed, the authorization state is changed to be passed, when the last auditing of the level is completed, creating a next level auditing step, and finally executing and submitting transaction execution transaction logic in all levels;

an authorized user entity (T3): storing a user list which can authorize the current step by each stage, completing the authorization of a person at the current stage, removing the person from the authorization list, deleting all authorized persons of the task of the entity when the number of the audited person reaches the current stage configuration, and generating a personnel list which needs authority audit at the next stage;

FIG. 2 shows the overall steps from transaction auditing flow configuration to transaction initiation to auditing completion, specifically, a user performs auditing flow configuration for finance existing in a system through an enterprise end, the auditing flow can support one transaction function to configure one auditing flow, or a plurality of transaction functions jointly correspond to one auditing flow, or a plurality of flow approval modes can be corresponding to the same approval flow in a transaction amount interval, a peer can configure a plurality of people approval, and when an approval flow is configured, whether personnel of a corresponding technology are enough or not can be checked;

through the configured auditing flow transaction function, initiating transaction, firstly checking whether the transaction function configures an auditing flow, then checking whether the auditing flow has a passage, generating an auditing flow task and adding the approval flow task into a task step entity (T1), generating the same number of task steps into a task step entity (T2) according to the number of first-stage auditors, and adding the personnel with authorization authority at the level into an authorized personnel entity (T3), wherein the specific execution steps are as shown in figure 3;

through the steps, a certain financial transaction is initiated, an operator with the first-level auditing authority can receive notification of transaction auditing, for example, the number of the first-level auditing people is configured as 2, an auditing record is found, when the auditing record is clicked, the auditing record is inquired according to the task id, the task step entity is inquired through the task id and the state to be audited, the two records are returned, whether the data are larger than 1 is judged, if the data are larger than 1, the fact that the peer auditing personnel also need other personnel for auditing is proved, the record state of the first sub-step of the task in the task step entity (T2) is changed to be the auditing passing state, and the auditing is ended. And (3) checking by a second person at the same level, inquiring a task step entity (T2) record to be checked, returning 1 record, proving the last person of the task to be checked, modifying the record as the checking pass, deleting the personnel information record of the task in an authorized user entity (T3), generating a next checking step to the task step entity (T2), storing the next authorized personnel in the authorized user entity (T3), and notifying the authorized user. The next-stage auditing logic repeats the first-stage auditing logic, knows that the next stage is not configured with auditing people, the auditing flow is finished, the record of the modification task entity (T1) is completed, the auditing of the modification task step entity (T2) is completed, and the task personnel in the authorized entity queue (T2) are deleted. The task passing the audit is migrated to the corresponding historical entity, and the execution flow is shown in figure 4.

As can be seen from the above process, the multi-stage auditing method suitable for financial transaction of the present invention specifically comprises the following overall steps from transaction auditing flow configuration to transaction initiation to auditing completion:

step one, configuring a transaction auditing flow: and the user carries out auditing flow configuration on financial transactions existing in the system through the enterprise terminal. The auditing process can support one transaction function to configure one auditing process, or a plurality of transaction functions jointly correspond to one auditing process. Meanwhile, a plurality of flow approval modes can be corresponding to the same approval flow in the transaction amount interval. At the time of configuration approval flow, it is checked whether the personnel of the corresponding technology are enough.

Step two, initiating a transaction: and initiating the transaction through the configured auditing flow transaction function. First, it is checked whether the transaction function configures an audit flow, and then it is checked whether a path exists in the audit flow. If both checks pass, an approval process task is generated and added to the task entity (T1). And generating the same number of task steps into a task step entity (T2) according to the first-level auditor, and adding the personnel with the authorization authority of the level into an authorized personnel entity (T3).

Step three, primary auditing: an operator with primary auditing rights will receive notification of the transaction auditing. For example, the first-level auditor is configured as 2 persons, audit records are found, when audit is clicked, audit records are inquired according to task id, and a task step entity is inquired through the task id and the state to be audited to return two records. Judging whether the record state is larger than 1, if the record state is larger than 1, proving that the same-level auditor also needs other personnel to audit, and changing the record state of the first sub-step of the task in the task step entity (T2) to pass the audit, wherein the audit is ended. And (3) checking by a second person at the same level, inquiring a task step entity (T2) record to be checked, returning 1 record, proving the last person of the task to be checked, modifying the record as the checking pass, deleting the personnel information record of the task in an authorized user entity (T3), generating a next checking step to the task step entity (T2), storing the next authorized personnel in the authorized user entity (T3), and notifying the authorized user.

Fourth, second-level multi-level auditing: and the next-stage auditing logic repeats the first-stage auditing logic, and knows that the next stage is not configured with auditing people, and the auditing process is finished. The modification task entity (T1) records completion, the modification task step entity (T2) checks completion, and the authorized entity queue (T2) deletes the task personnel.

Step five, checking passing task processing: the tasks that pass the audit are migrated to the corresponding historical entities.

As shown in fig. 5, the terminal device 6 may include: processor 601, storage medium 602, and bus 603, storage medium 602 storing machine-readable instructions executable by processor 601, when the terminal device is running, the processor 601 communicates with storage medium 602 via bus 603, and processor 601 executes the machine-readable instructions to perform the steps of the deep learning model training method as described in the previous embodiments. The specific implementation manner and the technical effect are similar, and are not repeated here.

For ease of illustration, only one processor is described in the above terminal device. It should be noted, however, that in some embodiments, the terminal device of the present invention may also include multiple processors, and thus, the steps performed by one processor described in the present invention may also be performed jointly by multiple processors or separately.

The foregoing is merely illustrative of the present invention, and the present invention is not limited thereto, and any person skilled in the art will readily appreciate variations or alternatives within the scope of the present invention. Therefore, the protection scope of the invention is subject to the protection scope of the claims.

Claims

1. A multistage auditing method suitable for financial transactions is characterized by comprising the following specific steps:

step two: initiating a transaction, namely initiating the transaction through a configured auditing process transaction function, and checking whether the transaction function configures the auditing process;

2. The method of claim 1, wherein step two further comprises checking whether a path exists for the audit process, generating an audit process task and adding to the task entity.

3. The method of claim 1, wherein the audit process corresponds to a single or multiple transaction function configuration.

4. The multi-stage auditing system suitable for financial transaction is characterized by comprising an auditing flow configuration entity, a flow, a product association entity and a flow execution entity;

and the authorized user entity is used for storing a list of users which can be authorized with the current step by each stage.

5. The system of claim 4, wherein the authorized user entity authorizes a person at the current level, removes from the authorization list, deletes all authorized persons for the task for the entity when the number of persons audited reaches the current level configuration, and generates a list of persons for whom the next level requires authority for auditing.

6. A terminal device, comprising: a processor, a storage medium and a bus, the storage medium storing machine-readable instructions executable by the processor, the processor and the storage medium communicating over the bus when the terminal device is operating, the processor executing the machine-readable instructions to perform the steps of the method of any of claims 1 to 3 when executed.

7. A storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the method according to any of claims 1 to 3.

8. A computer program product comprising a computer program which, when executed by a processor, implements the method of any of claims 1-3.