Interbank payment account checking early warning method and device, computer equipment and storage medium

Abstract

The invention provides an interbank payment account checking early warning method and device, computer equipment and a storage medium. The interbank payment account checking early warning method comprises the steps that the settlement amount, the offset balance date and the offset balance sessions of the settlement message of the day of the bank are acquired; statistics of the actual amount of each offset balance session is performed according to the offset balance date and the offset balance sessions; whether the actual amount meets the settlement amount is judged; if the judgment result is no, statistics of abnormal amount of each business is performed; whether the sum of all the abnormal amount and the actual amount meet the settlement amount is judged; and if the judgment result is yes, the met offset balance session amount and the abnormal details causing inequality of the actual amount and the settlement amount are displayed. Analysis and locating are performed based on the business scene so that the reason of small amount of account inequality can be conveniently and rapidly located and searched and the risk of bank capital can be reduced.

Description

technical field [0001] The invention relates to bank data processing technology, in particular to an inter-bank payment reconciliation early warning method, device, computer equipment and storage medium. Background technique [0002] In commercial banks, account reconciliation processing is required at the end of each day to ensure the correctness of internal inter-bank payment account processing and to detect error transactions in a timely manner. Due to the large amount of daily business transactions in the inter-bank payment system, various types of businesses are processed, and many payment channels are involved. Once the account reconciliation is uneven, it is not easy to find the cause of the unbalanced account reconciliation, and there is a risk of advance payment of bank funds. [0003] Under normal circumstances, the reconciliation method of the inter-bank payment system of commercial banks is generally carried out in a semi-automatic mode. If it is inconsistent wi...

AI Technical Summary

Problems solved by technology

If the reconciliation injustice of the previous day is not resolved, it will often be accumulated in the business of the next day, resulting in injustice one day, and injustice every day. The later the reconciliation inequity becomes more complicated, and it may even cost a lot of labor costs to go one by one. Checking, poor timeliness, sometimes there is a risk of bank funds advance

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