WO2019075835A1 - 货币基金系统自动化清算方法、装置、设备及存储介质 - Google Patents

货币基金系统自动化清算方法、装置、设备及存储介质 Download PDF

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WO2019075835A1
WO2019075835A1 PCT/CN2017/112338 CN2017112338W WO2019075835A1 WO 2019075835 A1 WO2019075835 A1 WO 2019075835A1 CN 2017112338 W CN2017112338 W CN 2017112338W WO 2019075835 A1 WO2019075835 A1 WO 2019075835A1
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reconciliation file
clearing
data
reconciliation
detected
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French (fr)
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伍朗
伍振亮
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Ping An Technology Shenzhen Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/22—Indexing; Data structures therefor; Storage structures
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24—Querying
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis

Definitions

  • the present application relates to the field of money fund settlement technology, and in particular, to a method, device, device and storage medium for automatic clearing of a money fund system.
  • the money fund system conducts daily liquidation every day.
  • the daily liquidation includes steps such as reconciliation and exporting data. Since daily liquidation is performed after 3 pm every working day, it is necessary to wait until after 3 pm to perform daily liquidation. Can be carried out.
  • the reconciliation file is sent by the upstream system, it must be waited until the upstream system pushes the reconciliation file. It is difficult to know the specific time of sending the reconciliation file through manual monitoring, which may result in the failure to process the reconciliation file in time. As described above, the entire process of daily liquidation in the prior art is cumbersome, labor intensive, and inefficient in execution.
  • the purpose of the application is to provide an automatic clearing method, device, device and storage medium for the money fund system, which can realize automatic account clearing and high execution efficiency.
  • the application is implemented in this way.
  • the first aspect of the present application provides an automated method for daily clearing of a money fund system, and the method for automatic clearing includes:
  • the data of the reconciliation file is exported to the database and the state of the exported data is monitored;
  • a data query is initiated to the database to confirm that the database stores the exported data.
  • the second aspect of the present application provides an automatic device for daily clearing of a money fund system, the automated clearing device comprising:
  • a reconciliation file detecting module configured to detect whether a reconciliation file exists on the money fund system at a preset time point
  • a reconciliation file clearing module configured to: when the reconciliation file detecting module detects that a reconciliation file exists on the money fund system, perform a clearing task on the reconciliation file and monitor a clearing status of the reconciliation file;
  • the data exporting module is configured to: when the clearing module monitors the clearing status of the reconciliation file as the clearing completion, export the data of the reconciliation file to the database and monitor the status of the exported data;
  • the data query module is configured to: when the data exporting module monitors that the state of the data export is a preset export state, initiate a data query to the database to confirm the database storage and export data.
  • a third aspect of the present application provides a terminal device including a memory, a processor, and computer readable instructions stored in the memory and executable on the processor, the processor executing the computer readable instructions Implement the following steps:
  • the data of the clearing completed reconciliation file is exported to the database and the state of the data export is monitored;
  • a data query is initiated to the database to confirm that the database stores the derived data.
  • a fourth aspect of the present application provides a computer readable storage medium storing computer readable instructions that, when executed by a processor, implement the following steps:
  • the data of the clearing completed reconciliation file is exported to the database and the state of the data export is monitored;
  • a data query is initiated to the database to confirm that the database stores the derived data.
  • the embodiment of the present application provides an automatic clearing method, device, device and storage medium for a money fund system, and the data import, execution clearing, data export and database storage confirmation process from the reconciliation file are all automatically executed, and execution of each process is performed.
  • the state is monitored, and the automatic execution of each stage can be realized, and the parallel execution of multiple stages can be realized, the execution efficiency is improved, the labor cost is saved, and the correctness of the result is also ensured.
  • FIG. 1 is a flow chart of an automated clearing method for a money fund system according to an embodiment of the present application
  • step S10 is a specific flowchart provided by an implementation manner of step S10 in an automatic clearing method of a money fund system provided by an embodiment of the present application;
  • step S20 of an automatic clearing method of a money fund system according to an embodiment of the present application
  • step S40 of an automatic clearing method of a money fund system provided by an embodiment of the present application
  • FIG. 5 is a schematic structural diagram of an automatic clearing device for a money fund system according to another embodiment of the present application.
  • FIG. 6 is a schematic diagram of a specific structure provided by an implementation manner of a reconciliation file detecting module in an automatic clearing device of a money fund system according to another embodiment of the present application;
  • FIG. 7 is a schematic structural diagram of a terminal device according to another embodiment of the present application.
  • the first embodiment of the present application provides an automated clearing method for a money fund system.
  • the automated clearing method includes:
  • Step S10 Detect whether there is a reconciliation file on the money fund system at a preset time point.
  • the preset time point is a specific time set by the user according to the actual situation and the specific time can be changed. For example, if the user sets the preset time point at 3 o'clock in the afternoon, the automatic clearing is started at 3 o'clock in the afternoon. .
  • step S10 after the preset time point is reached, the detection is started, and whether the reconciliation file exists on the money fund system can be detected according to the set frequency of the user, and may be always in the detection state, or may be preset every time period.
  • the detection is performed, for example, whether the reconciliation file is detected once every 15 minutes on the money fund system, and the default detection frequency is every 0.5h/time.
  • step S10 for detecting whether a specific detection manner of the reconciliation file exists on the money fund system, optionally, it may be a detection of the size of the reconciliation file on the money fund system.
  • the reconciliation file on the user's money fund system is pushed by the upstream system.
  • the ratio of the received file size to the reconciliation file sent by the upstream system is determined.
  • the size ratio of the received file reaches a preset ratio, the next step can be performed.
  • the detection system is detected. Execution detection tasks are no longer run.
  • Step S20 When it is detected that the reconciliation file exists on the monetary fund system, the clearing task for the reconciliation file is performed and the clearing status of the reconciliation file is monitored.
  • step S20 for detecting that there is a reconciliation file on the money fund system, specifically, detecting that the size of the reconciliation file on the monetary fund system is a preset ratio of the proportion of files pushed by the upstream system, the liquidation task is started.
  • the source of the reconciliation file may be different.
  • the reconciliation file in the user's monetary fund may be a reconciliation file when the detection system continuously detects the arrival of the preset proportion state, or the detection system does not reach the preset ratio.
  • the reconciliation file that reaches the preset proportional state after manual intervention can trigger the clearing unit to perform liquidation; the user can also customize the percentage of the reconciliation file that exists in the system to trigger the clearing state to be the first preset ratio.
  • the ratio of manually triggering the clearing unit for clearing may also be set to a second preset ratio, wherein the first preset ratio is greater than the second preset ratio, for example, when 40% of the reconciliation files exist in the system, the clearing is automatically triggered.
  • the unit performs clearing, and the percentage of the manually triggered clearing unit can be set to 10% by default. By detecting the proportion of the reconciliation file, the ratio is reached. The ratio is started to clear, and the transmission reconciliation file and the clearing of the transmitted reconciliation files are realized synchronously, which improves the execution efficiency of the entire system.
  • Step S30 When it is detected that the clearing status of some or all of the reconciliation files is the completion of the liquidation, the data of the clearing completed reconciliation file is exported to the database and the state of the data export is monitored.
  • the partial reconciliation file refers to a reconciliation file of a preset proportion
  • the preset proportional size may be set according to user requirements, for example, the preset proportional size may be 50%, and the preset proportional size pair
  • the reconciliation file can be exported first. Of course, all the reconciliation documents can be exported after the reconciliation is completed.
  • the clearing is completed, the data is exported, and the clearing of the reconciliation file and the data export of the reconciliation completed reconciliation file are realized, which improves the execution efficiency of the entire system.
  • the monitoring clearing status is the completion of the clearing. Specifically, when the confirmation information of the reconciliation file is detected, the clearing message is generated by using the reconciliation file, and the clearing message is sent to the first server, so that the first server is used. The clearing total amount is transferred to the second server according to the clearing message, and the clearing is completed when the total clearing amount is completed, wherein the first server and the second server may be a fund system server or a bank server.
  • a reconciliation log may be formed and saved, and the save date may be changed.
  • the user sets the save date to 30 days according to the needs of the user and the size of the memory, and the default is The number of days saved is 7 days.
  • Step S40 When it is detected that the status of the data export is the preset export status, a data query is initiated to the database to confirm that the database stores the exported data.
  • the preset export status may be a state in which the data is started to be exported, and may be a state in which the preset proportional data is exported, for example, half of the data is exported, or the status of all the data is completed, and the data of the reconciliation file is exported.
  • the export of the data of the first reconciliation file can be regarded as starting to export the data
  • the derivation of the data of the reconciliation file of the intermediate serial number can be regarded as the state of deriving the 50% proportional data, and this step is to set the export preset ratio by setting.
  • the status data initiates a data query
  • the exported data can be stored at the fastest speed, which improves the execution efficiency of the entire system.
  • step S40 a data query is initiated to the database to confirm that the database stores the exported data
  • the data query may be performed through the data state stored in the database, or the data query may be performed according to the storage state of the database.
  • the SQL query is initiated to the database, according to the query. As a result, it is judged whether the exported data is stored in the database.
  • the embodiment of the present application provides an automated clearing method for a money fund system, which automatically performs the data import, execution clearing, data export, and database storage confirmation processes from the reconciliation file, and monitors the execution status of each process, and can implement each
  • the stages are automatically executed in sequence, or Parallel execution of multiple stages is achieved, which improves execution efficiency, saves labor costs, and ensures correct results.
  • step S10 in the above embodiment it is detected whether there is a reconciliation file on the money fund system at a preset time point, and then includes:
  • Step S101 When it is detected at the preset time point that the reconciliation file does not exist on the money fund system, whether the reconciliation file exists on the money fund system is detected after a preset time period.
  • the preset time period may be set by the user, and may be 1 minute, 10 minutes, or 1 hour, etc., and the system default value is 5 o'clock after the preset time period.
  • Step S102 When it is detected that the reconciliation file still does not exist on the money fund system, an alarm message is issued.
  • step S102 when it is detected that the reconciliation file still exists on the money fund system after the preset time period, that is, the reconciliation file is not overdue, indicating that the system transmits the reconciliation file at this time, to ensure the reconciliation file.
  • Can be liquidated still can not detect the reconciliation documents, send an alarm message to the relevant personnel, such as issuing an alarm mail, through manual intervention to achieve the reconciliation file to the money fund system, to ensure the normalization of the reconciliation file clearing.
  • step S20 in the above embodiment when the reconciliation file exists on the money fund system, the clearing task for the reconciliation file and the clearing status of the reconciliation file are executed. Monitoring, followed by:
  • Step S201 When it is detected that the clearing status of the reconciliation file is the completion of the liquidation, the account details after the clearing of the reconciliation file are monitored, and whether the account details are balanced is determined.
  • step S201 the clearing status of the reconciliation file is monitored as the clearing completion may be the clearing status of the reconciliation file set by the monitoring part, or may be the monitoring of the clearing status of all reconciliation files, and some or all pairs of the completed clearing
  • the accounts of the account documents are checked to see if the account details are balanced.
  • Step S202 when it is determined that the account details are not fair, the existing uneven account data is saved, and Send an alarm message.
  • step S202 when the account details are not fair, the data of the account is not fair, and the alarm information is sent to the relevant personnel, so that the relevant personnel can timely and accurately understand the location of the unbalanced data, and can also make up for the shortage of the liquidation by using the manual. Ensure that the liquidation results are correct.
  • step S40 in the foregoing embodiment when the state of the exported data is monitored as the derived data, an SQL query is initiated to the database, and whether the exported data is stored in the database is determined according to the query result. It also includes:
  • Step S401 When the judgment result is YES, the entire liquidation flow is ended.
  • Step S402. When the judgment result is no, an alarm message is issued.
  • step S402 when it is detected that the exported data does not exist in the database, an alarm message is sent to the relevant personnel, for example, an alarm mail is sent, and after receiving the alarm information, the relevant personnel perform manual intervention to store the exported data in the database.
  • an alarm message is sent to the relevant personnel, for example, an alarm mail is sent, and after receiving the alarm information, the relevant personnel perform manual intervention to store the exported data in the database.
  • the automatic clearing device of the money fund system includes:
  • the reconciliation file detecting module 501 is configured to detect whether a reconciliation file exists on the money fund system at a preset time point;
  • the clearing module 502 is configured to perform a clearing task on the reconciliation file and monitor the clearing status of the reconciliation file when the reconciliation file detecting module detects that the reconciliation file exists on the monetary fund system.
  • the data exporting module 503 is configured to: when the clearing module 502 monitors that the clearing status of the reconciliation file is the completion of the clearing, export the data of the reconciliation file to the database and monitor the status of the exported data.
  • the data query module 504 is configured to: when the data exporting module 503 monitors that the status of the data export is the export completion, initiate a data query to the database to confirm the database storage and export data.
  • the clearing module 502 performs a clearing task on the reconciliation file and clears the reconciliation file Monitoring, specifically:
  • the clearing module 502 When the reconciliation file detecting module 501 detects that the size ratio of the receiving reconciliation file on the money fund system reaches a preset ratio, the clearing module 502 performs a clearing task on the received reconciliation file and clears the received reconciliation file. Status is monitored.
  • the reconciliation file detecting module 501 includes:
  • the reconciliation file detecting unit 510 is configured to detect whether a reconciliation file exists in the monetary fund system
  • the control unit 520 is configured to drive the reconciliation file detecting unit 510 to detect again after the reconciliation file detecting unit 510 detects that the reconciliation file does not exist in the monetary fund system;
  • the alarm unit 530 is configured to issue an alarm message when the reconciliation file detecting unit 510 detects that the reconciliation file still does not exist on the money fund system.
  • the clearing module 502 also includes:
  • the reconciliation unit is configured to monitor the account details after the clearing of the reconciliation file when the liquidation status of the reconciliation document is completed, and determine whether the account details are balanced, and when the account details are not fair, the existence is Uneven account data is saved and an alarm message is issued.
  • Another embodiment of the present application provides a computer readable storage medium having stored thereon computer readable instructions that, when executed by a processor, implement automated clearing of the money fund system in the above embodiments.
  • the method in order to avoid repetition, will not be described here.
  • the computer readable instructions when executed by the processor, the functions of the modules/units in the automatic clearing device of the money fund system in the above embodiments are implemented. To avoid repetition, details are not described herein again.
  • Fig. 7 is a schematic diagram of a terminal device in this embodiment.
  • the terminal device 6 includes a processor 60, a memory 61, and computer readable instructions 62 stored in the memory 61 and operable on the processor 60.
  • the processor 60 executes one of the currencies in the above embodiments when executing the computer readable instructions 62
  • the various steps of the fund system automated clearing method such as steps S10, S20, S30, and S40 shown in FIG.
  • processor 60 when executing computer readable instructions 62, implements the functions of each module/unit of a money transfer system automated clearing apparatus of the above-described embodiments.
  • computer readable instructions 62 may be partitioned into one or more modules/units, one or more modules/units being stored in memory 61 and executed by processor 60 to complete the application.
  • the one or more modules/units may be a series of computer readable instruction segments capable of performing a particular function for describing the execution of computer readable instructions 62 in the terminal device 6.
  • computer readable instructions 62 may be partitioned into a reconciliation file detection module 501, a reconciliation file clearing module 502, a data export module 503, and a data export module 504 as shown in FIG.
  • the terminal device 6 can be a computing device such as a desktop computer, a notebook, a palmtop computer, and a cloud server.
  • the terminal device may include, but is not limited to, the processor 60, the memory 61. It will be understood by those skilled in the art that FIG. 7 is only an example of the terminal device 6, and does not constitute a limitation of the terminal device 6, and may include more or less components than those illustrated, or combine some components, or different components.
  • the terminal device may further include an input/output device, a network access device, a bus, and the like.
  • the so-called processor 60 may be a central processing unit (CPU), or may be other general-purpose processors, a digital signal processor (DSP), an application specific integrated circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, etc.
  • the general purpose processor may be a microprocessor or the processor or any conventional processor or the like.
  • the memory 61 may be an internal storage unit of the terminal device 6, such as a hard disk or a memory of the terminal device 6.
  • the memory 61 may also be an external storage device of the terminal device 6, such as a plug-in hard disk provided on the terminal device 6, a smart memory card (SMC), a Secure Digital (SD) card, and a flash memory card (Flash). Card) and so on.
  • the memory 61 may also include both an internal storage unit of the terminal device 6 and an external storage device.
  • the memory 61 is used to store computer readable instructions and other programs and data required by the terminal device.
  • the memory 61 can also be used to temporarily store the already lost Data that is or will be output.
  • each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.
  • the above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.
  • the integrated modules/units if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium.
  • the present application implements all or part of the processes in the foregoing embodiments, and may also be implemented by computer readable instructions, which may be stored in a computer readable storage medium.
  • the computer readable instructions when executed by a processor, may implement the steps of the various method embodiments described above.
  • the computer readable instructions comprise computer readable instruction code, which may be in the form of source code, an object code form, an executable file or some intermediate form or the like.
  • the computer readable medium can include any entity or device capable of carrying the computer readable instruction code, a recording medium, a USB flash drive, a removable hard drive, a magnetic disk, an optical disk, a computer memory, a read only memory (ROM, Read-Only) Memory), random access memory (RAM), electrical carrier signals, telecommunications signals, and software distribution media.
  • a recording medium a USB flash drive
  • a removable hard drive a magnetic disk, an optical disk
  • a computer memory a read only memory (ROM, Read-Only) Memory
  • RAM random access memory

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Abstract

一种货币基金系统自动化清算方法、装置、设备及存储介质，自动化清算方法包括：在预设时间点检测所述货币基金系统上是否存在对账文件（S10）；当检测到货币基金系统上存在对账文件时，执行对对账文件的清算任务并对对账文件的清算状态进行监测（S20）；当监测到部分或者全部对账文件的清算状态为清算完成时，向数据库中导出清算完成的对账文件的数据并监测导出数据的状态（S30）；当监测到数据导出的状态为预设导出状态时，向数据库发起数据查询以确认数据库存储所述导出数据（S40），该方法可以实现每个阶段的自动依次执行，也可以实现多个阶段的并行执行，提高了执行效率，节省人力成本，同时也保证结果的正确性。

Description

货币基金系统自动化清算方法、装置、设备及存储介质
本专利申请以2017年10月17日提交的申请号为201710963209.1，名称为“货币基金系统自动化清算方法、装置、设备及存储介质”的中国发明专利申请为基础，并要求其优先权。
技术领域
本申请涉及货币基金结算技术领域，尤其涉及一种货币基金系统自动化清算方法、装置、设备及存储介质。
背景技术
货币基金系统每日都会进行日常清算，日常清算包含了对账以及导出数据等步骤，由于日常清算是在每个工作日下午3点过后进行的，所以要执行日常清算就需要等到下午3点后才能进行。另外，由于对账文件是由上游系统发送的，所以必须要等到上游系统推送对账文件之后才能进行，通过人工监测很难知晓发送对账文件的具体时间，导致不能及时处理对账文件，综上所述，现有技术中日常清算的整个流程繁琐，浪费人力，并且执行效率低。
发明内容
本申请的目的在于提供一种货币基金系统自动化清算方法、装置、设备及存储介质，能够实现账目清算自动化并且执行效率高。
本申请是这样实现的，本申请第一方面提供一种货币基金系统日常清算的自动化的方法，所述自动化清算的方法包括：
在预设时间点检测货币基金系统上是否存在对账文件；当检测到货币基金系统上存在所述对账文件时，执行对对账文件的清算任务并对对账文件的清算 状态进行监测；
当监测到所述对账文件的清算状态为清算完成时，向数据库中导出对账文件的数据并监测导出数据的状态；
当监测到数据导出的状态为预设导出状态时，向数据库发起数据查询以确认数据库存储导出数据。
本申请第二方面提供一种货币基金系统日常清算的自动化装置，所述自动化清算装置包括：
对账文件检测模块，用于在预设时间点检测货币基金系统上是否存在对账文件；
对账文件清算模块，用于当所述对账文件检测模块检测到所述货币基金系统上存在对账文件时，执行对对账文件的清算任务并对对账文件的清算状态进行监测；
数据导出模块，用于当清算模块监测到对账文件的清算状态为清算完成时，向数据库中导出对账文件的数据并监测导出数据的状态；
数据查询模块，用于当数据导出模块监测到所述数据导出的状态为预设导出状态时，向数据库发起数据查询以确认数据库存储导出数据。
本申请第三方面提供一种终端设备，包括存储器、处理器以及存储在所述存储器中并可在所述处理器上运行的计算机可读指令，所述处理器执行所述计算机可读指令时实现如下步骤：
在预设时间点检测所述货币基金系统上是否存在对账文件；
当检测到所述货币基金系统上存在所述对账文件时，执行对所述对账文件的清算任务并对所述对账文件的清算状态进行监测；
当监测到部分或者全部对账文件的清算状态为清算完成时，向数据库中导出清算完成的对账文件的数据并监测数据导出的状态；
当监测到所述数据导出的状态为预设导出状态时，向所述数据库发起数据查询以确认所述数据库存储所述导出数据。
本申请第四方面提供一种计算机可读存储介质，所述计算机可读存储介质存储有计算机可读指令，所述计算机可读指令被处理器执行时实现如下步骤：
在预设时间点检测所述货币基金系统上是否存在对账文件；
当检测到所述货币基金系统上存在所述对账文件时，执行对所述对账文件的清算任务并对所述对账文件的清算状态进行监测；
当监测到部分或者全部对账文件的清算状态为清算完成时，向数据库中导出清算完成的对账文件的数据并监测数据导出的状态；
当监测到所述数据导出的状态为预设导出状态时，向所述数据库发起数据查询以确认所述数据库存储所述导出数据。
本申请实施例提供一种货币基金系统自动化清算方法、装置、设备及存储介质，从对账文件的数据导入、执行清算、数据导出以及数据库存储确认流程全部自动化执行，并且对每一个流程的执行状态进行监控，可以实现每个阶段的自动依次执行，也可以实现多个阶段的并行执行，提高了执行效率，节省了人力成本，同时也保证了结果的正确性。
附图说明
为了更清楚地说明本申请实施例中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。
图1是本申请一种实施例提供的一种货币基金系统自动化清算方法的流程图；
图2是本申请一种实施例提供的一种货币基金系统自动化清算方法中的步骤S10的一种实施方式提供的具体流程图；
图3是本申请一种实施例提供的一种货币基金系统自动化清算方法的步骤S20的具体流程图；
图4是本申请一种实施例提供的一种货币基金系统自动化清算方法的步骤S40的一种实施方式提供的具体流程图；
图5是本申请另一种实施例提供的一种货币基金系统自动化清算装置的结构示意图；
图6是本申请另一种实施例提供的一种货币基金系统自动化清算装置中的对账文件检测模块的一种实施方式提供的具体结构示意图；
图7是本申请另一种实施例提供的终端设备的结构示意图。
具体实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
为了说明本申请的技术方案，下面通过具体实施例来进行说明。
本申请第一种实施例提供一种货币基金系统自动化清算方法，如图1所示，该自动化清算方法包括：
步骤S10.在预设时间点检测货币基金系统上是否存在对账文件。
在步骤S10中，预设时间点为用户根据实际情况设定的具体时间并且该具体时间可以更改，例如，用户把预设时间点设定在下午3点钟，则到达下午3点开启自动清算。
在步骤S10中，到达预设时间点后即开始进行检测，检测货币基金系统上是否存在对账文件可以根据用户的设定频率进行检测，可以一直处于检测状态，也可以每隔预设时间段进行检测，例如，每隔15分钟对货币基金系统上是否存在对账文件检测一次，默认检测频率为每0.5h/次。
在步骤S10中，对于检测货币基金系统上是否存在对账文件的具体检测方式，可选的，可以为对货币基金系统上的对账文件的大小的检测。例如，用户的货币基金系统上的对账文件是由上游系统推送的，当检测到存在对账文件时， 判断接收的文件大小占上游系统中发送的对账文件的比例，当接收文件的大小比例达到预设比例时，即可以执行下一步骤，当接收文件的大小比例达到100％时，则检测系统不再运行执行检测任务。
步骤S20.当检测到货币基金系统上存在对账文件时，执行对对账文件的清算任务并对对账文件的清算状态进行监测。
在步骤S20中，对于检测到货币基金系统上存在对账文件，具体的，检测到货币基金系统上的对账文件的大小为占上游系统推送的文件比例达到预设比例时，开始清算任务，其中，对账文件的来源可以不同，例如，用户的货币基金中的对账文件可以是在经检测系统不断检测到达预设比例状态时的对账文件，也可以是检测系统未达到预设比例而经人工干预后达到预设比例状态的对账文件，这两者都可以触发清算单元进行清算；用户也可以自定义触发清算状态在系统中存在的对账文件的百分比为第一预设比例，也可以设定手动触发清算单元进行清算的比例为第二预设比例，其中，第一预设比例大于第二预设比例，例如，当系统中存在40％的对账文件时自动触发清算单元进行清算，人工触发清算单元的百分比可以默认为10％，通过检测对账文件的比例达到预设比例即开始清算，实现了传输对账文件和对已传输对账文件进行清算的同步进行，提高了整个系统的执行效率。
步骤S30.当监测到部分或者全部对账文件的清算状态为清算完成时，向数据库中导出清算完成的对账文件的数据并监测数据导出的状态。
在步骤S30中，部分对账文件是指预设比例大小的对账文件，该预设比例大小可以根据用户需求进行设定，例如预设比例大小可以为50％，该预设比例大小的对账文件的清算状态为清算完成时即认为部分对账文件清算完成，可以先对清算完成的对账文件进行导出，当然，也可以全部对账文件清算完成后再进行导出，在部分对账文件完成清算时即进行导出数据，实现了对账文件的清算以及清算完成的对账文件的数据导出的同步进行，提高了整个系统的执行效率。
在步骤S30中，监测清算状态为清算完成具体为：在检测到存在对账文件的确认信息时，利用对账文件生成清算报文，将清算报文发送至第一服务器，以使得第一服务器根据清算报文将清算总金额转移至第二服务器，当清算总金额完成转移时确认为清算完成，其中，第一服务器和第二服务器可以为基金系统服务器或者银行服务器。
在步骤S30中，导出对账文件的数据的过程中，可以形成对账日志并予以保存，保存日期可以更改，例如，用户根据自己的需要和内存的大小，设置保存天数为30天，默认的保存天数为7天。
步骤S40.当监测到数据导出的状态为预设导出状态时，向数据库发起数据查询以确认数据库存储导出数据。
在步骤S40中，预设导出状态可以为开始导出数据的状态，可以为导出预设比例数据的状态，例如导出一半数据，也可以为完成所有数据导出的状态，将对账文件的数据导出时，可以创建一个导出任务并将完成清算的对账文件形成一个队列中，并对队列中的对账文件进行编号，依次按照序号进行数据导出，并根据对账文件的序号判定导出数据的状态，例如，完成第一个对账文件的数据的导出可以视为开始导出数据，完成中间序号的对账文件的数据的导出可以视为导出50％比例数据的状态，本步骤通过设置导出预设比例状态的数据就发起数据查询，可以用最快的速度得到导出的数据是否被存储，提高了整个系统的执行效率。
在步骤S40中，向数据库发起数据查询以确认数据库存储导出数据，可以通过数据库存储的数据状态进行数据查询，也可以根据数据库的存储状态进行数据查询，优选的，向数据库发起SQL查询，根据查询结果判断数据库中是否存储导出数据。
本申请实施例提供一种货币基金系统自动化清算方法，从对账文件的数据导入、执行清算、数据导出以及数据库存储确认流程全部自动化执行，并且对每一个流程的执行状态进行监控，可以实现每个阶段的自动依次执行，也可以 实现多个阶段的并行执行，提高了执行效率，节省了人力成本，同时也保证了结果的正确性。
对于上述实施例中的步骤S10，作为一种实施方式，如图2所示，在预设时间点检测货币基金系统上是否存在对账文件，之后还包括：
步骤S101.当在预设时间点检测到货币基金系统上不存在对账文件时，经过预设时间段检测货币基金系统上是否存在对账文件。
在步骤S101中，预设时间段可以由用户自定义设置，可以为1分钟、10分钟或者1小时等，系统默认值为经过该预设时间段后的下午5点钟。
步骤S102.当检测到货币基金系统上仍然不存在对账文件时，发出报警信息。
在步骤S102中，当经过预设时间段，检测到货币基金系统上仍然不存在对账文件时，即对账文件逾期不达，说明此时系统传送对账文件出现问题，为保证对账文件能被清算，仍然检测不到对账文件时，向相关人员发出报警信息，例如发出警报邮件，通过人工干预来实现对账文件到达货币基金系统，保证了对账文件清算的正常进行。
对于上述实施例中的步骤S20，作为一种实施方式，如图3所示，当检测到货币基金系统上存在对账文件时，执行对对账文件的清算任务并对对账文件的清算状态进行监测，之后还包括:
步骤S201.当监测到对账文件的清算状态为清算完成时，对对账文件进行清算后的账目明细进行监测，并判断账目明细是否平衡。
在步骤S201中，监测到对账文件的清算状态为清算完成可以是监测部分设定的对账文件的清算状态，也可以是监测全部对账文件的清算状态，对完成清算的部分或者全部对账文件的账目进行检测账目明细是否平衡。
步骤S202，当判定账目明细不平时，对存在的不平账目数据进行保存，并 发出报警信息。
在步骤S202中，存在账目明细不平时，即保存账目不平的数据，同时发出报警信息给相关人员，可以使相关人员及时准确的了解对账不平数据位置，同时也可以利用人工弥补清算的不足，保证清算结果的正确。
对于上述实施例中的步骤S40，作为一种实施方式，如图4所示，当监测到导出数据的状态为导出数据时，向数据库发起SQL查询，根据查询结果判断数据库中是否存储导出数据，之后还包括：
步骤S401.当判断结果为是时，则结束整个清算流程。
步骤S402.当判断结果为否时，发出报警信息。
在步骤S402中，当检测到数据库中不存在导出数据时，向相关人员发出报警信息，例如发送报警邮件，相关人员接到报警信息后，进行人工干预，使数据库中存储导出数据。
本申请另一种实施例提供一种货币基金系统自动化清算装置，如图5所示，货币基金系统自动化清算装置包括：
对账文件检测模块501，用于在预设时间点检测货币基金系统上是否存在对账文件；
清算模块502，用于当对账文件检测模块检测到货币基金系统上存在对账文件时，执行对对账文件的清算任务并对对账文件的清算状态进行监测。
数据导出模块503，用于当清算模块502监测到对账文件的清算状态为清算完成时，向数据库中导出对账文件的数据并监测导出数据的状态。
数据查询模块504，用于当数据导出模块503监测到数据导出的状态为导出完成时，向数据库发起数据查询以确认数据库存储导出数据。
进一步的，当对账文件检测模块501检测到所述货币基金系统上存在所述对账文件时，清算模块502执行对对账文件的清算任务并对对账文件的清算状 态进行监测，具体为：
当对账文件检测模块501检测到货币基金系统上接收对账文件的大小比例达到预设比例时，清算模块502执行对所接收的对账文件的清算任务并对所接收的对账文件的清算状态进行监测。
进一步地，如图6所示，作为一种实施方式，对账文件检测模块501包括：
对账文件检测单元510，用于检测货币基金系统中是否存在对账文件；
控制单元520，用于在对账文件检测单元510检测到货币基金系统中不存在对账文件后的预设时间段再次驱动对账文件检测单元510进行检测；
报警单元530，用于当对账文件检测单元510检测到货币基金系统上仍然不存在对账文件时，发出报警信息。
清算模块502还包括：
对账单元，用于当监测到对账文件的清算状态为清算完成时，对对账文件进行清算后的账目明细进行监测，并判断账目明细是否平衡，当判定账目明细不平时，对存在的不平账目数据进行保存，并发出报警信息。
上述终端设备中模块的具体工作过程，可以参考前述方法实施例中的对应过程，在此不再赘述。
本申请另一种实施例提供一计算机可读存储介质，该计算机可读存储介质上存储有计算机可读指令，该计算机可读指令被处理器执行时实现上述实施例中的货币基金系统自动化清算方法，为避免重复，这里不再赘述。或者，该计算机可读指令被处理器执行时实现上述实施例中货币基金系统自动化清算装置中各模块/单元的功能，为避免重复，这里不再赘述。
图7是本实施例中终端设备的示意图。如图7所示，终端设备6包括处理器60、存储器61以及存储在存储器61中并可在处理器60上运行的计算机可读指令62。处理器60执行计算机可读指令62时实现上述实施例中的一种货币 基金系统自动化清算方法的各个步骤，例如图1所示的步骤S10、S20、S30和S40。或者，处理器60执行计算机可读指令62时实现上述实施例中一种货币基金系统自动化清算装置各模块/单元的功能。
示例性的，计算机可读指令62可以被分割成一个或多个模块/单元，一个或者多个模块/单元被存储在存储器61中，并由处理器60执行，以完成本申请。一个或多个模块/单元可以是能够完成特定功能的一系列计算机可读指令段，该指令段用于描述计算机可读指令62在终端设备6中的执行过程。例如，计算机可读指令62可以被分割成如图5所示的对账文件检测模块501、对账文件清算模块502、数据导出模块503、数据导出模块504。
该终端设备6可以是桌上型计算机、笔记本、掌上电脑及云端服务器等计算设备。终端设备可包括，但不仅限于，处理器60、存储器61。本领域技术人员可以理解，图7仅仅是终端设备6的示例，并不构成对终端设备6的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件，例如终端设备还可以包括输入输出设备、网络接入设备、总线等。
所称处理器60可以是中央处理单元(Central Processing Unit，CPU)，还可以是其他通用处理器、数字信号处理器(Digital Signal Processor，DSP)、专用集成电路(Application Specific Integrated Circuit，ASIC)、现场可编程门阵列(Field-Programmable Gate Array，FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件等。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。
存储器61可以是终端设备6的内部存储单元，例如终端设备6的硬盘或内存。存储器61也可以是终端设备6的外部存储设备，例如终端设备6上配备的插接式硬盘，智能存储卡(Smart Media Card,SMC)，安全数字(Secure Digital,SD)卡，闪存卡(Flash Card)等。进一步地，存储器61还可以既包括终端设备6的内部存储单元也包括外部存储设备。存储器61用于存储计算机可读指令以及终端设备所需的其他程序和数据。存储器61还可以用于暂时地存储已经输 出或者将要输出的数据。
所属领域的技术人员可以清楚地了解到，为了描述的方便和简洁，仅以上述各功能单元、模块的划分进行举例说明，实际应用中，可以根据需要而将上述功能分配由不同的功能单元、模块完成，即将所述装置的内部结构划分成不同的功能单元或模块，以完成以上描述的全部或者部分功能。
另外，在本申请各个实施例中的各功能单元可以集成在一个处理单元中，也可以是各个单元单独物理存在，也可以两个或两个以上单元集成在一个单元中。上述集成的单元既可以采用硬件的形式实现，也可以采用软件功能单元的形式实现。
所述集成的模块/单元如果以软件功能单元的形式实现并作为独立的产品销售或使用时，可以存储在一个计算机可读取存储介质中。基于这样的理解，本申请实现上述实施例方法中的全部或部分流程，也可以通过计算机可读指令来指令相关的硬件来完成，所述的计算机可读指令可存储于一计算机可读存储介质中，该计算机可读指令在被处理器执行时，可实现上述各个方法实施例的步骤。其中，所述计算机可读指令包括计算机可读指令代码，所述计算机可读指令代码可以为源代码形式、对象代码形式、可执行文件或某些中间形式等。所述计算机可读介质可以包括：能够携带所述计算机可读指令代码的任何实体或装置、记录介质、U盘、移动硬盘、磁碟、光盘、计算机存储器、只读存储器(ROM，Read-Only Memory)、随机存取存储器(RAM，Random Access Memory)、电载波信号、电信信号以及软件分发介质等。需要说明的是，所述计算机可读介质包含的内容可以根据司法管辖区内立法和专利实践的要求进行适当的增减，例如在某些司法管辖区，根据立法和专利实践，计算机可读介质不包括是电载波信号和电信信号。
以上所述实施例仅用以说明本申请的技术方案，而非对其限制；尽管参照前述实施例对本申请进行了详细的说明，本领域的普通技术人员应当理解：其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分技术特 征进行等同替换；而这些修改或者替换，并不使相应技术方案的本质脱离本申请各实施例技术方案的精神和范围，均应包含在本申请的保护范围之内。

Claims (20)

  1. 一种货币基金系统自动化清算方法，其特征在于，所述自动化清算方法包括：
    在预设时间点检测所述货币基金系统上是否存在对账文件；
    当检测到所述货币基金系统上存在所述对账文件时，执行对所述对账文件的清算任务并对所述对账文件的清算状态进行监测；
    当监测到部分或者全部对账文件的清算状态为清算完成时，向数据库中导出清算完成的对账文件的数据并监测数据导出的状态；
    当监测到所述数据导出的状态为预设导出状态时，向所述数据库发起数据查询以确认所述数据库存储所述导出数据。
  2. 如权利要求1所述的自动化清算方法，其特征在于，当检测到所述货币基金系统上存在所述对账文件时，执行对所述对账文件的清算任务并对所述对账文件的清算状态进行监测，包括：
    当检测到所述货币基金系统上接收对账文件的大小比例达到预设比例时，执行对所接收的对账文件的清算任务并对所接收的对账文件的清算状态进行监测。
  3. 如权利要求1所述的自动化清算方法，其特征在于，在预设时间点检测所述货币基金系统上是否存在对账文件，之后还包括：
    当在预设时间点检测到所述货币基金系统上不存在所述对账文件时，经过预设时间段检测所述货币基金系统上是否存在对账文件；
    当检测到所述货币基金系统上仍然不存在所述对账文件时，发出报警信息。
  4. 如权利要求1所述的自动化清算方法，其特征在于，当检测到所述货币基金系统上存在所述对账文件时，执行对所述对账文件的清算任务并对所述对账文件的清算状态进行监测，之后还包括：
    当监测到所述对账文件的清算状态为清算完成时，对所述对账文件进行清算后的账目明细进行监测，并判断账目明细是否平衡，当判定账目明细不平时， 对存在的不平账目数据进行保存，并发出报警信息。
  5. 如权利要求1所述的自动化清算方法，其特征在于，当监测到所述数据导出的状态为预设导出状态时，向所述数据库发起数据查询以确认所述数据库存储所述导出数据，包括：
    当监测到所述数据的导出状态为导出完成状态时，向所述数据库发起SQL查询，根据查询结果判断数据库中是否存储所述导出数据。
  6. 如权利要求5所述的自动化清算方法，其特征在于，根据查询结果判断数据库中是否存储所述导出数据，之后还包括：
    当判定数据库中没有存储所述导出数据时，发出报警信息。
  7. 一种货币基金系统自动化清算装置，其特征在于，所述货币基金系统自动化清算装置包括：
    对账文件检测模块，用于在预设时间点检测所述货币基金系统上是否存在对账文件；
    对账文件清算模块，用于当所述对账文件检测模块检测到所述货币基金系统上存在所述对账文件时，执行对所述对账文件的清算任务并对所述对账文件的清算状态进行监测；
    数据导出模块，用于当所述对账文件清算模块监测到部分或者全部对账文件的清算状态为清算完成时，向数据库中导出所述对账文件的数据并监测数据导出的状态；
    数据查询模块，用于当所述数据导出模块监测到所述数据导出的状态为预设导出状态时，向所述数据库发起数据查询以确认所述数据库存储所述导出数据。
  8. 如权利要求7要求所述的货币基金系统自动化清算装置，其特征在于，所述对账文件检测模块包括：
    对账文件检测单元，用于检测所述货币基金系统中是否存在所述对账文件；
    控制单元，用于在所述对账文件检测单元检测到所述货币基金系统中不存 在所述对账文件后的预设时间段再次驱动所述检测单元进行检测；
    报警单元，用于当所述对账文件检测单元检测到所述货币基金系统上仍然不存在所述对账文件时，发出报警信息；
    所述清算模块还包括：
    对账单元，用于当监测到所述对账文件的清算状态为清算完成时，对所述对账文件进行清算后的账目明细进行监测，并判断账目明细是否平衡，当判定账目明细不平时，对存在的不平账目数据进行保存，并发出报警信息。
  9. 一种终端设备，包括存储器、处理器以及存储在所述存储器中并可在所述处理器上运行的计算机可读指令，其特征在于，所述处理器执行所述计算机可读指令时实现如下步骤：
    在预设时间点检测所述货币基金系统上是否存在对账文件；
    当检测到所述货币基金系统上存在所述对账文件时，执行对所述对账文件的清算任务并对所述对账文件的清算状态进行监测；
    当监测到部分或者全部对账文件的清算状态为清算完成时，向数据库中导出清算完成的对账文件的数据并监测数据导出的状态；
    当监测到所述数据导出的状态为预设导出状态时，向所述数据库发起数据查询以确认所述数据库存储所述导出数据。
  10. 如权利要求9所述的终端设备，其特征在于，当检测到所述货币基金系统上存在所述对账文件时，执行对所述对账文件的清算任务并对所述对账文件的清算状态进行监测，包括：
    当检测到所述货币基金系统上接收对账文件的大小比例达到预设比例时，执行对所接收的对账文件的清算任务并对所接收的对账文件的清算状态进行监测。
  11. 如权利要求9所述的终端设备，其特征在于，在预设时间点检测所述货币基金系统上是否存在对账文件之后，所述处理器执行所述计算机可读指令时还实现如下步骤：
    当在预设时间点检测到所述货币基金系统上不存在所述对账文件时，经过预设时间段检测所述货币基金系统上是否存在对账文件；
    当检测到所述货币基金系统上仍然不存在所述对账文件时，发出报警信息。
  12. 如权利要求9所述的终端设备，其特征在于，当检测到所述货币基金系统上存在所述对账文件时，执行对所述对账文件的清算任务并对所述对账文件的清算状态进行监测之后，所述处理器执行所述计算机可读指令时还实现如下步骤：
    当监测到所述对账文件的清算状态为清算完成时，对所述对账文件进行清算后的账目明细进行监测，并判断账目明细是否平衡，当判定账目明细不平时，对存在的不平账目数据进行保存，并发出报警信息。
  13. 如权利要求9所述的终端设备，其特征在于，当监测到所述数据导出的状态为预设导出状态时，向所述数据库发起数据查询以确认所述数据库存储所述导出数据，包括：
    当监测到所述数据的导出状态为导出完成状态时，向所述数据库发起SQL查询，根据查询结果判断数据库中是否存储所述导出数据。
  14. 如权利要求13所述的终端设备，其特征在于，根据查询结果判断数据库中是否存储所述导出数据之后，所述处理器执行所述计算机可读指令时还实现如下步骤：
    当判定数据库中没有存储所述导出数据时，发出报警信息。
  15. 一种计算机可读存储介质，所述计算机可读存储介质存储有计算机可读指令，其特征在于，所述计算机可读指令被处理器执行时实现如下步骤：
    在预设时间点检测所述货币基金系统上是否存在对账文件；
    当检测到所述货币基金系统上存在所述对账文件时，执行对所述对账文件的清算任务并对所述对账文件的清算状态进行监测；
    当监测到部分或者全部对账文件的清算状态为清算完成时，向数据库中导出清算完成的对账文件的数据并监测数据导出的状态；
    当监测到所述数据导出的状态为预设导出状态时，向所述数据库发起数据查询以确认所述数据库存储所述导出数据。
  16. 如权利要求15所述的计算机可读存储介质，其特征在于，当检测到所述货币基金系统上存在所述对账文件时，执行对所述对账文件的清算任务并对所述对账文件的清算状态进行监测，包括：
    当检测到所述货币基金系统上接收对账文件的大小比例达到预设比例时，执行对所接收的对账文件的清算任务并对所接收的对账文件的清算状态进行监测。
  17. 如权利要求15所述的计算机可读存储介质，其特征在于，在预设时间点检测所述货币基金系统上是否存在对账文件之后，所述处理器执行所述计算机可读指令时还实现如下步骤：
    当在预设时间点检测到所述货币基金系统上不存在所述对账文件时，经过预设时间段检测所述货币基金系统上是否存在对账文件；
    当检测到所述货币基金系统上仍然不存在所述对账文件时，发出报警信息。
  18. 如权利要求15所述的计算机可读存储介质，其特征在于，当检测到所述货币基金系统上存在所述对账文件时，执行对所述对账文件的清算任务并对所述对账文件的清算状态进行监测之后，所述处理器执行所述计算机可读指令时还实现如下步骤：
    当监测到所述对账文件的清算状态为清算完成时，对所述对账文件进行清算后的账目明细进行监测，并判断账目明细是否平衡，当判定账目明细不平时，对存在的不平账目数据进行保存，并发出报警信息。
  19. 如权利要求15所述的计算机可读存储介质，其特征在于，当监测到所述数据导出的状态为预设导出状态时，向所述数据库发起数据查询以确认所述数据库存储所述导出数据，包括：
    当监测到所述数据的导出状态为导出完成状态时，向所述数据库发起SQL查询，根据查询结果判断数据库中是否存储所述导出数据。
  20. 如权利要求19所述的计算机可读存储介质，其特征在于，根据查询结果判断数据库中是否存储所述导出数据之后，所述处理器执行所述计算机可读指令时还实现如下步骤：
    当判定数据库中没有存储所述导出数据时，发出报警信息。
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