Third-party underlay account balance monitoring and account checking method

Abstract

The invention discloses a third-party underlay account balance monitoring and account checking method. The method comprises the steps that on the premise that channel capital entry in T days is completed, a system automatically checks transition users by reading files and amount records required by real-time earlier and earlier transition subject balances, the transition user balances are still not checked within a specified time limit after checking is initiated, and transition user balance checking abnormity reminding is automatically sent to business personnel; and if the check is completed, sending reminding information that the check result is normal. On the basis of basic functions of a clearing comprehensive service system, an automatic monitoring function of a third-party advance account balance is constructed, and the problems that under a T + 0 fund advance payment mode, an acquirer is inconsistent with a channel daily switching time point, so that the balance of a transitionuser cannot be checked, and error abnormity in the clearing process cannot be found in time are solved.

Description

【Technical field】 [0001] The invention belongs to the technical field of financial data processing, and specifically refers to a third-party advance account balance monitoring and reconciliation method. 【Background technique】 [0002] With the rapid development of domestic Internet finance, all market participants have almost immediately put their energy into the bank card acquiring market. Especially for banks, the acquiring business is one of the extremely rare ways to drive deposit growth. one. With the continuous expansion of the bank's acquiring business scale, the workload of clearing and reconciliation of the acquiring business is increasing, and the complexity is also greatly increased. However, the bank's clearing and reconciliation is still limited to simple information monitoring based on manual monitoring. mode. On the one hand, the bank and the third-party payment platform (hereinafter referred to as "channel", the channel refers to the platform to establish a...

AI Technical Summary

Problems solved by technology

At present, some systems (such as a bank's intermediary business system) adopt the method of stopping business processing during the night liquidation period in order to avoid the problem of inconsistent liquidation time of different systems, but this method cannot completely solve the problem

[0008] Although the above-mentioned invention patent mentions that the system automatically blends each transaction flow, it ignores that sometimes due to the complexity of the business scene, there are many reasons for the uneven reconciliation of the clearing system, and the mechanism of detailed account reconciliation and error handling cannot be used by third parties. Advance accounts are monitored

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