A method and system for maintaining the consistency of cross-bank transaction accounts

A consistency and accounting technology, applied in data processing applications, finance, instruments, etc., can solve problems such as the inability to maintain cross-bank transaction account consistency in real time, achieve fast and convenient handling, ensure consistency, and reduce manual intervention Effect

Active Publication Date: 2019-03-12
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] In view of this, this application provides a method and system for maintaining the consistency of cross-bank transaction accounts, so as to overcome the abnormal accounts in the cross-bank transaction business in the prior art, which can only be processed by manual intervention after day-end processing , the problem of being unable to maintain the consistency of cross-bank transaction accounts in real time

Method used

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  • A method and system for maintaining the consistency of cross-bank transaction accounts
  • A method and system for maintaining the consistency of cross-bank transaction accounts
  • A method and system for maintaining the consistency of cross-bank transaction accounts

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Embodiment 1

[0043] Embodiment 1 of this application provides a method for maintaining the consistency of cross-bank transaction accounts, such as figure 1 as shown, figure 1 It is a flow chart of a method for maintaining the consistency of cross-bank transaction accounts provided by Embodiment 1 of this application. The method includes:

[0044] S101: Monitor the account transaction request information initiated by the customer in real time;

[0045] The customer initiates an account transaction request information on the channel, and the channel sends the request information to the front-end system. Monitor the account transaction request information initiated by customers in real time by monitoring the front-end system.

[0046] S102: After monitoring the request information, compare the billing status of the front-end system with the billing status of the core system in real time;

[0047] S103: When it is found that the billing status of the front-end system is inconsistent with t...

Embodiment 2

[0051] On the basis of Embodiment 1, Embodiment 2 of this application provides a more specific method for maintaining the consistency of cross-bank transaction accounts, such as figure 2 as shown, figure 2 It is a flow chart of a method for maintaining the consistency of cross-bank transaction accounts provided by Embodiment 2 of the present application. The method includes:

[0052] S101: Monitor the account transaction request information initiated by the customer in real time;

[0053] The customer initiates an account transaction request information on the channel, and the channel sends the request information to the front-end system. Monitor the account transaction request information initiated by the customer in real time by monitoring the front-end system, and judge the type of requested information for subsequent account reconciliation operations. The type of requested information may include: deposit, withdrawal, or transfer, and may also include other types The ...

Embodiment 3

[0073] On the basis of Embodiment 1, Embodiment 3 of this application provides a system for maintaining the consistency of cross-bank transaction accounts, such as Figure 4 as shown, Figure 4 It is a schematic structural diagram of a system for maintaining account consistency of cross-bank transactions provided by Embodiment 3 of the present application. The system includes: a monitoring unit 201, a comparison unit 202, a first reconciliation unit 203 and a second reconciliation unit 204, wherein,

[0074] The monitoring unit 201 is used to monitor the account transaction request information initiated by the customer in real time;

[0075] The customer initiates an account transaction request information on the channel, and the channel sends the request information to the front-end system. The front-end system is monitored by the monitoring unit 201 to monitor the account transaction request information initiated by the customer in real time.

[0076] The comparison unit ...

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Abstract

The application provides a method for maintaining interbank transaction accounting consistency and a system thereof. The method comprises the steps that accounting transaction request information initiated by a client is monitored in real time; after the request information is monitored, the account keeping state of a front-end system and the account keeping state of a core system are compared in real time; when inconsistency of the account keeping state of the front-end system and the account keeping state of the core system is discovered, a first updating mode corresponding to the type of the request information is started to perform account checking updating; and after the account keeping state of the front-end system and the account keeping state of the core system are the same, a second updating mode corresponding to the type of the request information is started to perform account checking updating operation on the front-end system and a third-party system. According to the method, account checking operation is performed among the three parties of the front-end system, the core system and the third-party system in real time when the client performs interbank transaction business so that accounting inconsistency of the three parties and the client party caused by the problem of a certain node can be avoided, and interbank transaction accounting consistency can be guaranteed in real time.

Description

technical field [0001] The present application relates to the technical field of bank transactions, in particular to a method and system for maintaining the consistency of cross-bank transaction accounts. Background technique [0002] The agency system is a relatively common system in the banking system, such as agency banking securities business, agency bank futures business, agency other banking business, etc. With the rapid development of the financial industry, the demand for inter-bank account transactions has increased. How to efficiently and accurately maintain the consistency of accounts between systems is a key issue. [0003] At present, the method adopted for cross-bank transactions is: the customer initiates an account transaction request to the front-end system through a certain channel; after receiving the request, the front-end system initiates an account transaction to the background accounting core accounting system after completing a series of related proce...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q40/02
Inventor 张司阁张鹏侯建伟邵培兴胡保祥郝刚黎育龙
Owner CHINA CONSTRUCTION BANK
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