Account checking early warning method and apparatus of inter-bank payment, computer equipment, and storage medium

An early warning device and account reconciliation technology, applied in computing, instruments, finance, etc., can solve problems such as poor timeliness, high labor costs, and complexity, and achieve the effect of reducing bank capital risks

Inactive Publication Date: 2018-04-13
BANK OF CHINA
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  • Claims
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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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  • Account checking early warning method and apparatus of inter-bank payment, computer equipment, and storage medium
  • Account checking early warning method and apparatus of inter-bank payment, computer equipment, and storage medium
  • Account checking early warning method and apparatus of inter-bank payment, computer equipment, and storage medium

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Embodiment Construction

[0065] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0066] figure 1 It is a flow chart of the inter-bank payment reconciliation early warning method of the embodiment of the present invention, as figure 1 As shown, the cross-bank payment reconciliation early warning method includes the following steps:

[0067] S101: Obtain the reconciliation message type, the total amount initiated and the total amount received of the bank's current day reconciliation message;

[0068] S102: According to the date of reconcil...

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Abstract

The invention provides an account checking early warning method and apparatus of inter-bank payment, computer equipment, and a storage medium. The early warning method comprises: an account checking message type, an aggregate initiating amount, and an aggregate receiving amount of a day checking message of a bank are obtained; according to an account checking date and the account checking messagetype, statistics and collection of aggregate vostro account amounts corresponding to all account checking message types of an inter-bank payment system are carried out; whether the aggregate vostro account amounts conforms to the aggregate receiving amount is determined; if not, statistics of abnormal amounts of all businesses is carried out; whether a sum of the sum total of all abnormal amountsand the aggregate vostro account amounts conforms to the aggregate receiving amount is determined; and if so, all account checking messages conforming to an incoming message and abnormal details causing unconformity of the aggregate vostro account amounts and the aggregate receiving amount are displayed. Analysis and positioning are carried out in different business scenes, so that factors causingaccount checking unconformity are located conveniently and rapidly and thus the fund risk of the bank is 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...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/02
Inventor 裘丰宋洁
Owner BANK OF CHINA
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