Next, the technical solutions in the embodiments of the present invention will be apparent from the embodiment of the present invention, and it is clearly described, and it is understood that the described embodiments are merely embodiments of the present invention, not all of the embodiments.
In order to understand the objectives, technical solutions and advantages of the present invention, the technical solutions and advantages will be further elaborated in conjunction with the accompanying drawings and examples.
Such asfigure 1 As shown, a main process of one embodiment of an abnormal monitoring method provided by the present invention is shown in the present invention; in this embodiment, the power system is abnormal during the bank's recording process. Methods, including the following steps:
Step S10, the marketing server of the power company passes the detailed document of the buckle electricity fee to the bank's background host; specifically, it can be a detailed document of a single or bulk buckle electricity fee; in this embodiment, through the Silver corrected the straight-connected interface, can build the data transmission technology model between banks and financial systems, and the power companies are connected between the bank background hosts;
Step S11, the bank's background host receives the file, performs the funds abnormal monitoring process. When the fund is not found, the bank deduction system is buckled, and then feedback to the accounting fine file to market; the statement details There is a single code related to this sub-account, as well as each detailed trading flow number;
Step S12, the bank will transfer the buckle fee to the bank account of the power company, and send the transaction of this buckle fee and the electronic return of each trading to the power enterprise finance server through the Silver Enterprise Direct Interface. The transaction details contains at least the only code, the transaction water number of each transaction, and the transaction amount information;
It will be appreciated that in some cases, the account server can also regularly request bank account transactions to the bank account transaction. After receiving the request, the bank background host sends a transaction detail and the electronic return order.
Step S13, the financial server performs alarm processing based on the received transaction, and performs an abnormal monitoring, and the alarm processing is discovered; when the fund is abnormal, generate a check list, and pushed to the marketing server, the recipient The list carrying the book unique code and the transaction sector corresponding to each transaction;
More specifically, in one example, the step S13 further includes:
The financial server receives the transaction details of the bank's background host corresponding to this buckle fee and the electronic return of each transaction;
Financial Server Checking the summary amount of the bank's transaction detail is consistent with the corresponding MLT, if it is inconsistent, the abnormal prompt is performed; and after finding the reason, obtain the correct data to the bank's background host request;
According to the received transaction details, the fund is abnormal monitoring is performed, and the alarm processing is performed when discoven an abnormality;
Based on the received transaction detail, it generates a check list, and is pushed to the marketing server; the check-account clearance is a single code and the transaction water number corresponding to each transaction.
Step S14, the marketing server is based on the unique code and the transaction water number, and the payment details will be submitted according to the settlement fine file, and the recipient processing result is sent to the finance server;
Step S15, after receiving the summate results of the marketing server, perform financial account processing, in a specific example, the step S15 further comprises:
Collect each transaction detail to form a transaction certificate corresponding to the transaction; the transaction document contains a trading sector;
By identifying information on the electronic return order, the electronic backfelt of each transaction is matched to the transaction sector, and the electronic return and credential association is established;
Execute an electronic backfinder automatic hook processing, hang each electronic backfelt to the corresponding electronic credential accessory.
It will be appreciated that by automatic acquisition, the return order can be collected to realize the automatic layout identification, automatic matching page information, automatically identifying the account processing such as the customer checks.
It will be appreciated that in some examples of the present invention, the data transmitted between the bank background host, the power company, and the data transmitted between the financial servers are processed by a dedicated addending.
It will be appreciated that in the embodiment of the present invention, by building a smart book model, through the new "Trading Water No.", "Complete Single Code" information transmission, the total number of banking charges and marketing electricity bills are established. Corresponding relationships to achieve intelligent accounts. Establish review of verification function test, implement the accuracy of the payment results, and data logic association, including the method, frequency, and intelligent transfer of the verification result.
After the account is implemented, the account results can be queried.
It will be appreciated that the funding abnormal monitoring of the above step S14 includes at least one of the following:
The payment restriction monitoring, monitoring, refund monitoring, not metofit monitoring, banks have paid unclear monitoring and designation monitoring.
For example, in one example, for example, it is notified for the bank's unformized prove, based on the collection details, from the T + 1 day of the trading date, if the details are not associated to any payment voucher, it is required to be monitored. come out. After the monitoring is abnormal, the marketing server can initiate an exception handler to give the person who correspond to the business. After the service is completed in time, the completion is completed in an exception handling document and completes the subsequent audit process, and passes the marketing server.
Such asfigure 2 As shown, a structural diagram of one embodiment of an abnormal monitoring system provided in the present invention is shown in the bank recording process is shown. Please combine itFigure 3 to 5As shown in the embodiment of the present invention, the system includes at least a marketing server 1 disposed in a power company, a financial server 2, and a bank background host 3 provided on a bank; the marketing server 1, financial server 2 Between the banking background host 3 is used to communicate through a bank front machine 4 for providing a silver-owned straight interface, in which:
The marketing server 1 of the power company is used to send a detailed file for a buckle electricity fee 3 to the bank's background host 3; and for receiving a checkup file from the bank; and used to receive from financial server 2 The check list, and based on the sum of the book unique code and the transaction water number, according to the sub-list clearance, the account processing will be submitted, and the recipient processing result is sent to the finance server; the checkup file Contains a single code related to this review, as well as each detailed transaction water number;
The background host 3 for the bank is used to carry out the funds abnormal monitoring process after receiving the buckled electricity bill. When the fund is not found, the bank deduction system is buckled, and then feedback to the account details Marketing; and used to transfer the buckle fee into the bank account of the power company, and send the transaction of this buckle fee and each transaction to the electricity enterprise finance server 2 through the DISCP connector. The transaction details contains at least a single code, the transaction water number of each transaction, and the transaction amount information;
The financial server 2 is configured to perform alarm processing in accordance with the received transaction, and perform an abnormal monitoring, and the alarm processing is discovered; when the fund is abnormal, the check list is generated, and is pushed to the marketing server 1; After the results of the marketing server 1, the financial account processing is performed; where the check is single-carrying the single code and the transaction water number corresponding to each transaction.
Further, in the present system, the decryption processing apparatus 5 is also included in the bank, respectively, for the bank's background host 3, the marketing server 1, and the financial server 2 The transmitted data is processed by a dedicated addending calculation.
Further, a firewall can also be provided in the front end and the rear end of the bank front.
In a specific example, the marketing server 1 further comprises:
Detailed document sending unit 10, used to send a detailed document for a buckle electricity fee to the bank's background host through a silver-supplied straight interface;
The bank's submission will receive a set of sub-document files from the bank, which contains the book unique code related to this review, and each detailed transaction water number;
The sum of the single-receiving processing unit 12 is used to receive the check list for receiving the check list from the financial server, and based on the book unique code and the transaction water number, according to the accounting fine file, according to the settlement list;
The recipient processing result transmitting unit 13 is used to send the account processing result to the finance server.
In a specific example, the financial server 2 further comprises:
Mingjing Receiving unit 20 is used to receive transaction details corresponding to this buckle cost corresponding to this buckle fee and electronic backfelt;
The automatic check processing unit 21 is used to verify that the summary amount from the bank's transaction detail is consistent with the corresponding MLT, if not consistent, the abnormality prompt; and after finding the reason, obtain the correct data to the bank's background host;
The fund abnormality supervision and processing unit 22 is configured to generate a reconciliation list according to the received transaction details, perform fund abnormality monitoring, and perform alarm processing when an abnormality is found;
The reconciliation list generating unit 23 is configured to generate a reconciliation list according to the received transaction details and push it to the marketing server; the reconciliation list carries the reconciliation unique code and the transaction serial number corresponding to each transaction;
The accounting processing unit 24 is used to perform financial accounting processing after the result of the accounting processing of the marketing server.
In a specific example, the accounting processing unit 23 further includes:
The transaction voucher processing unit 230 is configured to collect the content of each transaction detail to form a transaction voucher corresponding to the exchange; the transaction voucher includes a transaction serial number;
The association processing unit 231 is configured to match the electronic receipt of each transaction with the transaction serial number by identifying the information on the electronic receipt, and establish an association relationship between the electronic receipt and the voucher;
The receipt linking unit 232 is configured to perform automatic linking processing of electronic receipts, and link each electronic receipt to the corresponding electronic voucher attachment.
For more details, please refer to the previous pairfigure 1 The description of is not repeated here.
The embodiments of the present invention have the following beneficial effects:
The embodiment of the present invention provides a method and system for monitoring abnormalities in the process of reconciliation between the power system and the bank, which can automatically realize the reconciliation between the power company and the bank, establish the association relationship between the bank transaction flow and the corporate accounting, and realize Automatic reconciliation, automatic collection and connection of bank receipts, improve efficiency;
And because of the use of network dedicated lines, encryption and decryption devices, and firewalls, the security of data transmission between power companies and banks can be improved; by optimizing the direct connection between banks and enterprises, directly obtaining bank transaction flow and receipts, making daily reconciliation work intelligent , Sharply reduce manual intervention, improve the efficiency of reconciliation and data accuracy;
At the same time, due to the establishment of a fund abnormal monitoring process, it is possible to restrict the monitoring of the payee, the monitoring of the private transfer limit, the monitoring of the refund, the monitoring of the details of the failure, the detailed monitoring of the bank's payment and the outstanding details, and the monitoring of the details to be investigated Carry out an alarm and deal with it in time after finding out the cause. The use of bank-enterprise reconciliation can lay a foundation for the establishment of value data decision-making and scenario prediction analysis through statistical analysis of income and expenditure and statistical analysis of unreached accounts on the results of reconciliation.
What is disclosed above is only a preferred embodiment of the present invention, which of course cannot be used to limit the scope of the present invention. Therefore, equivalent changes made according to the claims of the present invention still fall within the scope of the present invention.