Account reconciliation method, account reconciliation device and account reconciliation system

Abstract

The present application provides a reconciliation method, a reconciliation device, and a reconciliation system. The reconciliation method includes: upon receiving a reconciliation request, obtaining target customer account balance information from multiple distributed service units, wherein the distributed service units store account balance information of multiple customers divided according to customer dimensions, and the target customer is one or more of the multiple customers; classifying the target customer account balance information according to predetermined classification rules to obtain multiple reconciliation files, wherein the predetermined classification rules are rules formulated based on at least certificate of deposit category and currency category; and sending the multiple reconciliation files to an accounting system, so that the accounting system performs reconciliation based on at least the reconciliation files and the target account balance, wherein the target account balance is the target customer account balance information stored in the accounting system. This solves the problem in the prior art that reconciliation is difficult to perform relatively stable and reliable due to the high degree of interactive coupling of customer data.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a reconciliation method, a reconciliation device and a reconciliation system. Background Art

[0002] With the iteration of business needs, the increase in customer data volume, and the addition and expansion of functions, applications have become large, complex, severely logically coupled, difficult to understand, difficult to deploy, and have poor reliability. As a result, during the accounting reconciliation process, there are differences in data between accounting books.

[0003] To better address these issues, distributed reconciliation systems have emerged during the digital transformation of the financial industry. However, existing systems still fail to adequately address some of the issues inherent in monolithic systems. For example, due to the high degree of cross-coupling and complexity of customer data, the routing strategies within existing accounting reconciliation systems cannot adequately meet reconciliation requirements. Furthermore, when the number of customers increases dramatically or fluctuates significantly, existing accounting reconciliation systems struggle to provide stable, reliable, and efficient reconciliation functions. Summary of the Invention

[0004] The main purpose of this application is to provide a reconciliation method, a reconciliation device and a reconciliation system to solve the problem in the prior art that it is difficult to reconcile relatively stably and reliably due to the high degree of interactive coupling of customer data.

[0005] According to one aspect of an embodiment of the present invention, a reconciliation method is provided, which is applied in a deposit system, and the reconciliation method includes: upon receiving a reconciliation request, obtaining account balance information of a target customer from multiple distributed service units, the distributed service units storing account balance information of multiple customers divided according to customer dimensions, and the target customer being one or more of the multiple customers; classifying the account balance information of the target customer according to predetermined classification rules to obtain multiple reconciliation files, the predetermined classification rules being rules formulated based on at least certificate of deposit category and currency category; and sending the multiple reconciliation files to an accounting system, so that the accounting system performs reconciliation based at least on the reconciliation files and the target account balance, the target account balance being the account balance information of the target customer stored in the accounting system.

[0006] Optionally, the reconciliation file includes a first reconciliation file, a second reconciliation file, a third reconciliation file and a fourth reconciliation file. The account balance information of the target customer is classified according to a predetermined classification rule to obtain multiple reconciliation files, including: storing the account balance information of the target customer whose certificate of deposit category is a current certificate of deposit and whose currency category is the local currency in the first reconciliation file; storing the account balance information of the target customer whose certificate of deposit category is the current certificate of deposit and whose currency category is the foreign currency in the second reconciliation file; storing the account balance information of the target customer whose certificate of deposit category is a time certificate of deposit and whose currency category is the local currency in the third reconciliation file; storing the account balance information of the target customer whose certificate of deposit category is the time certificate of deposit and whose currency category is the foreign currency in the fourth reconciliation file.

[0007] Optionally, the process of the accounting system performing reconciliation based at least on the reconciliation file and the target account balance is: parsing the reconciliation file to obtain the account balance information of the target customer; determining that the reconciliation is passed when the account balance information of the target customer is consistent with the corresponding target account balance; and determining that the reconciliation is failed when the account balance information of the target customer is inconsistent with the corresponding target account balance.

[0008] Optionally, when the account balance information of the target customer is inconsistent with the corresponding target account balance, after determining that the reconciliation has failed, the reconciliation method further includes: the accounting system generates a balance discrepancy file based on the account balance information of the target customer that is inconsistent with the target account balance, and sends it to the deposit system.

[0009] Optionally, the reconciliation method further includes: splitting the received balance discrepancy file based on the ID information of each of the distributed service units to obtain multiple balance discrepancy sub-files; sending each of the balance discrepancy sub-files to the corresponding distributed service unit, so that the distributed service unit generates a corresponding transaction detail file based on the balance discrepancy sub-file, and sending the multiple transaction detail files to the deposit system.

[0010] Optionally, the process of the distributed service unit generating a corresponding transaction detail file based on the balance discrepancy sub-file is as follows: based on the customer number of the target customer in the balance discrepancy sub-file, determining the transaction detail information of the target customer within a predetermined time period; and the transaction detail information of the target customer constitutes the transaction detail file.

[0011] Optionally, after sending the multiple transaction detail files to the deposit system, the reconciliation method further includes: sending the multiple transaction detail files to the accounting system, so that the accounting system performs reconciliation based on the multiple transaction detail files and target transaction information, where the target transaction information is the transaction information of the target customer stored in the accounting system.

[0012] Optionally, the process of the accounting system reconciling the multiple transaction detail files and the target transaction information is as follows: parsing the transaction detail files to obtain the transaction detail information of the target customer; determining that the reconciliation is passed when the transaction detail information of the target customer is consistent with the corresponding target transaction information; determining that the reconciliation is failed when the transaction detail information of the target customer is inconsistent with the corresponding target transaction information, and generating a transaction detail discrepancy file based on the transaction detail information of the target customer that failed the reconciliation, and sending it to the deposit system.

[0013] According to another aspect of an embodiment of the present invention, a reconciliation device is further provided, which is applied in a deposit system, and the reconciliation device includes: a receiving unit, for obtaining the account balance information of a target customer from a plurality of distributed service units when a reconciliation request is received, the distributed service units storing the account balance information of a plurality of customers divided according to customer dimensions, the target customer being one or more of the plurality of customers; a classification unit, for classifying the account balance information of the target customer according to a predetermined classification rule to obtain a plurality of reconciliation files, the predetermined classification rule being a rule formulated at least based on the certificate of deposit category and the currency category; a reconciliation unit, for sending the plurality of reconciliation files to an accounting system, so that the accounting system performs reconciliation based at least on the reconciliation file and the target account balance, the target account balance being the account balance information of the target customer stored in the accounting system.

[0014] According to another aspect of an embodiment of the present invention, a reconciliation system is further provided, comprising: a deposit system, the deposit system comprising a reconciliation device, the reconciliation device being used to execute any one of the reconciliation methods described above; and an accounting system, communicating with the deposit system and being used to perform reconciliation based at least on a reconciliation file sent by the deposit system and a target account balance, the target account balance being the account balance information of the target customer stored in the accounting system.

[0015] In an embodiment of the present invention, the reconciliation method stores account balance information of multiple customers in multiple distributed service units according to customer dimensions. Upon receiving a reconciliation request, the account balance information of a target customer in the multiple distributed service units is obtained and classified according to predetermined classification rules to obtain multiple reconciliation files. The reconciliation files are then sent to an accounting system, allowing the accounting system to reconcile at least the received multiple reconciliation files with the target account balances. The reconciliation method of the present application, by classifying customer account balance information according to customer dimensions and storing it in the distributed service units, ensures low coupling between customer account balance information and simplifies storage of customer account balance information. Upon receiving a reconciliation request, the account balance information of the target customer can be obtained relatively easily. The account balance information is then classified according to predetermined rules, and the resulting multiple reconciliation files are sent to the accounting system, allowing the accounting system to reconcile at least the received reconciliation files with the target account balances. This ensures relatively stable and reliable reconciliation by the accounting system, thereby resolving the problem of high mutual coupling of customer data in the prior art, which makes relatively stable and reliable reconciliation difficult. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] The drawings that constitute part of this application are used to provide a further understanding of this application. The illustrative embodiments of this application and their descriptions are used to explain this application and do not constitute an improper limitation on this application. In the drawings:

[0017] Figure 1 A flowchart showing a reconciliation method according to an embodiment of the present application is shown;

[0018] Figure 2 A schematic diagram showing the structure of a distributed service unit according to an embodiment of the present application is shown;

[0019] Figure 3 A partial flow chart of a reconciliation method according to an embodiment of the present application is shown;

[0020] Figure 4 A partial flow chart of a reconciliation method according to another embodiment of the present application is shown;

[0021] Figure 5 A schematic structural diagram of an account reconciliation device according to an embodiment of the present application is shown. DETAILED DESCRIPTION

[0022] It should be noted that, in the absence of conflict, the embodiments and features of the embodiments in this application can be combined with each other. The present application will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0023] In order to enable those skilled in the art to better understand the present invention, the following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments in the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of this application.

[0024] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequential order. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present application described here. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0025] For ease of description, some nouns or terms involved in the embodiments of the present application are explained below:

[0026] Shard data: This refers to the customer's business data, which is segmented based on the customer dimension. The shard primary key is the customer number.

[0027] Non-sharded data: Data that cannot be segmented by customer dimension, such as product information, pricing information, organization information, etc. This non-sharded data is retained in the corresponding business database in the form of a copy to improve access performance;

[0028] Distributed Unit of Services (DUS): A DUS maximizes its availability and stability by matching physical resources (cabinets, storage, servers, switches). By utilizing multiple DUSs, sharded and non-sharded data can be distributed across different DUSs. This reduces the risks of centralized storage and enables DUS-based operations management, resulting in more refined operations management.

[0029] As mentioned in the background technology, the existing technology has the problem of difficulty in performing reconciliation in a relatively stable and reliable manner due to the high degree of interactive coupling of customer data. In order to solve the above problem, a typical embodiment of the present application provides a reconciliation method, a reconciliation device and a reconciliation system.

[0030] According to an embodiment of the present application, a reconciliation method is provided.

[0031] Figure 1 Flowchart of the reconciliation method according to the embodiment of the present application. The above reconciliation method is applied in a deposit system, such as Figure 1 As shown, the reconciliation method includes the following steps:

[0032] Step S101: upon receiving a reconciliation request, obtaining account balance information of a target customer from a plurality of distributed service units, wherein the distributed service units store account balance information of a plurality of customers divided according to a customer dimension, and the target customer is one or more of the plurality of customers;

[0033] Step S102: classifying the target customer's account balance information according to a predetermined classification rule to obtain a plurality of reconciliation files, wherein the predetermined classification rule is a rule formulated based on at least the certificate of deposit type and the currency type;

[0034] Step S103 : sending the multiple reconciliation files to the accounting system, so that the accounting system performs reconciliation based at least on the reconciliation files and the target account balance, where the target account balance is the account balance information of the target customer stored in the accounting system.

[0035] In the aforementioned reconciliation method, account balance information for multiple customers is stored in multiple distributed service units according to customer dimensions. Upon receiving a reconciliation request, the account balance information for a target customer from the multiple distributed service units is obtained and classified according to predetermined classification rules to obtain multiple reconciliation files. The reconciliation files are then sent to the accounting system, allowing the accounting system to reconcile at least the received multiple reconciliation files with the target account balances. The reconciliation method of the present application, by classifying customer account balance information according to customer dimensions and storing it in the distributed service units, ensures low coupling between customer account balance information and simplifies storage of customer account balance information. Upon receiving a reconciliation request, the account balance information for the target customer can be obtained relatively easily. The account balance information is then classified according to predetermined rules, resulting in multiple reconciliation files that are sent to the accounting system, allowing the accounting system to reconcile at least the received reconciliation files with the target account balances. This ensures relatively stable and reliable reconciliation, thereby resolving the issue in prior art where high mutual coupling of customer data hinders stable and reliable reconciliation.

[0036] In actual applications, the deposit system receives a reconciliation request, which is a scheduled task (e.g., a daily end-of-day batch task) initiated by the daily cut after the daily cut completes. Specifically, the target customer can be one or more. The target customer is a customer who has transactions within a predetermined time period (e.g., the same day). Furthermore, the daily cut can initiate the deposit system's daily end-of-day batch task at, for example, 11:55 PM each night. In other words, the daily cut can initiate the deposit system's daily end-of-day batch task at a fixed time.

[0037] Specifically, in actual applications, the above-mentioned certificate of deposit categories may include demand certificates of deposit, time certificates of deposit, and so on. Of course, these are not limited to the demand certificates of deposit and time certificates of deposit listed above, and may also include other certificate of deposit categories known in the art. Furthermore, the above-mentioned currency categories can also be simply divided into local currency categories and foreign currency categories. In other words, the above-mentioned currency categories are not limited to the local currency categories and foreign currency categories listed above, and may also include other currency categories known in the art. Of course, after adjusting the above-mentioned certificate of deposit categories and currency categories, the above-mentioned predetermined classification rules can also be flexibly formulated and adjusted.

[0038] Specifically, in the actual application process, after receiving a large amount of customer business data, the corresponding business data is segmented according to the customer dimension, and the segmented data is assigned to different data shards, and multiple data shards are assigned to different sub-tables, and finally multiple sub-tables are assigned to the corresponding DUS business database. Among them, the business database includes sharded data and non-sharded data. Figure 2 As shown, the distributed service unit (DUS) not only includes the business database, but can also provide services and basic resources.

[0039] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0040] In order to more simply divide the target customer's account balance information and more simply obtain multiple reconciliation files, that is, more simply obtain a first reconciliation file, a second reconciliation file, a third reconciliation file, and a fourth reconciliation file, in one embodiment of the present application, the reconciliation files include a first reconciliation file, a second reconciliation file, a third reconciliation file, and a fourth reconciliation file. The account balance information of the target customer is classified according to a predetermined classification rule to obtain multiple reconciliation files, including: storing the account balance information of the target customer whose certificate of deposit type is a demand certificate of deposit and whose currency type is the local currency in the first reconciliation file; storing the account balance information of the target customer whose certificate of deposit type is the demand certificate of deposit and whose currency type is a foreign currency in the second reconciliation file; storing the account balance information of the target customer whose certificate of deposit type is a time certificate of deposit and whose currency type is the local currency in the third reconciliation file; and storing the account balance information of the target customer whose certificate of deposit type is the time certificate of deposit and whose currency type is the foreign currency in the fourth reconciliation file.

[0041] In a specific embodiment of the present application, if only one target customer deposits 100,000 yuan at XX Bank on XX day, when the deposit system receives a reconciliation request on that day, the target customer's account balance information after the deposit can be copied from the corresponding distributed service unit. The target customer's account balance information is then classified according to predetermined classification rules. The following scenarios exist: 1) The target customer only deposited current local currency at XX Bank. In this case, according to the predetermined classification rules, a first reconciliation file can be obtained; 2) The target customer deposited current local currency and current foreign currency at XX Bank. In this case, according to the predetermined classification rules, a first reconciliation file and a second reconciliation file can be obtained. In other words, in the present application, the number of reconciliation files can be determined based on the number of target customers and the type of their account balances. In the present application, there is no limit on the number of reconciliation files obtained by classifying the target customer's account balance information according to the predetermined classification rules.

[0042] In another embodiment of the present application, the process of reconciling the above-mentioned accounting system based on at least the above-mentioned reconciliation file and the target account balance is as follows: parsing the above-mentioned reconciliation file to obtain the above-mentioned account balance information of the above-mentioned target customer; when the above-mentioned account balance information of the above-mentioned target customer is consistent with the corresponding above-mentioned target account balance, determining that the reconciliation is passed; when the above-mentioned account balance information of the above-mentioned target customer is inconsistent with the corresponding above-mentioned target account balance, determining that the reconciliation is failed. In this embodiment, for the accounting system, when receiving the reconciliation file sent by the deposit system, the reconciliation file is parsed, so that the target customer's account balance information can be obtained more simply. The target customer's account balance information is then compared with the target account balance of the target customer (i.e., the balance information of the target customer on the accounting system). If they are consistent, the reconciliation is determined to be passed; if they are inconsistent, the reconciliation is determined to be failed. This further enables the accounting system to perform reconciliation more simply and stably.

[0043] In order to facilitate further determination of the reason why the reconciliation failed and to further ensure that the reconciliation result is more accurate, in another embodiment of the present application, when the account balance information of the target customer is inconsistent with the corresponding target account balance, after determining that the reconciliation has failed, the reconciliation method further includes: the accounting system generates a balance discrepancy file based on the account balance information of the target customer that is inconsistent with the target account balance, and sends it to the deposit system.

[0044] In a specific embodiment of the present application, Figure 3As shown, after the daily cut is completed, the daily cut invokes the end-of-day batch task on the deposit system (i.e., when the deposit system receives a reconciliation request), and obtains the target customer's account balance information from multiple distributed service units (DUS). Based on predetermined classification rules, the obtained target customer's account balance information is classified according to the classification rules of demand certificates of deposit and local currency, demand certificates of deposit and foreign currency, time certificates of deposit and local currency, and time certificates of deposit and foreign currency, thereby obtaining multiple account files (i.e., a first account file, a second account file, a third account file, and a fourth account file). The deposit system sends the first, second, third, and fourth account files to the accounting system, respectively. The accounting system parses the received first, second, third, and fourth reconciliation files one by one to obtain the target customer's corresponding account balance information. The accounting system then compares the account balance information in the first, second, third, and fourth reconciliation files one by one. If the target customer's account balance information is consistent with the corresponding target account balance, the reconciliation is determined to be successful; if the target customer's account balance information is inconsistent with the corresponding target account balance, the reconciliation is determined to be unsuccessful. If the target customer's account balance information is inconsistent with the corresponding target account balance, a balance discrepancy file is generated based on the target customer's customer number (i.e., ID information representing the target customer) and the account balance information that is inconsistent with the corresponding target account balance, and sent to the above-mentioned deposit system.

[0045] In another embodiment of the present application, the reconciliation method further includes: splitting the received balance discrepancy file based on the ID information of each of the distributed service units to obtain multiple balance discrepancy subfiles; sending each of the balance discrepancy subfiles to the corresponding distributed service unit, so that the distributed service unit generates a corresponding transaction detail file based on the balance discrepancy subfile, and sends the multiple transaction detail files to the deposit system. In this embodiment, the balance discrepancy file sent from the accounting system to the deposit system is split based on the ID information of the distributed service unit to obtain multiple balance discrepancy subfiles. The multiple balance discrepancy subfiles are then sent to the corresponding distributed service unit, which allows the distributed service unit to more easily generate a transaction detail file based on the balance discrepancy subfile.

[0046] In order to further improve the efficiency of subsequent accounting system reconciliation based on the transaction detail file and the target transaction information, in one embodiment of the present application, the process of the above-mentioned distributed service unit generating the corresponding transaction detail file based on the above-mentioned balance discrepancy subfile is as follows: based on the customer number of the above-mentioned target customer in the above-mentioned balance discrepancy subfile, determining the transaction detail information of the above-mentioned target customer within a predetermined time period; and forming the above-mentioned transaction detail file from the transaction detail information of the above-mentioned target customer. In this embodiment, the corresponding distributed service unit determines the transaction detail information of the target customer within the predetermined time period based on the customer number in the received balance discrepancy subfile. This makes it easier for the distributed service unit to retrieve the target customer's transaction detail information and avoids failure problems caused by the large amount of data retrieved.

[0047] Specifically, the above-mentioned predetermined time period can be flexibly adjusted according to actual circumstances, and the size of the above-mentioned predetermined time period is not limited in this application.

[0048] In order to further improve the accuracy of the reconciliation results and to enable the accounting system to perform relatively simple reconciliation, in another embodiment of the present application, after sending the multiple transaction detail files mentioned above to the above deposit system, the reconciliation method also includes: sending the multiple transaction detail files mentioned above to the above accounting system, so that the above accounting system performs reconciliation based on the multiple transaction detail files and target transaction information, and the above target transaction information is the transaction information of the above target customer stored in the above accounting system.

[0049] In another embodiment of the present application, the process of reconciling the above-mentioned accounting system based on the plurality of the above-mentioned transaction detail files and the target transaction information is as follows: parsing the above-mentioned transaction detail files to obtain the transaction detail information of the above-mentioned target customer; if the above-mentioned transaction detail information of the above-mentioned target customer is consistent with the corresponding above-mentioned target transaction information, determining that the reconciliation is passed; if the above-mentioned transaction detail information of the above-mentioned target customer is inconsistent with the corresponding above-mentioned target transaction information, determining that the reconciliation is failed, and generating a transaction detail discrepancy file based on the above-mentioned transaction detail information of the above-mentioned target customer that failed the reconciliation, and sending it to the above-mentioned deposit system; after the deposit system receives the transaction detail discrepancy file, it can manually intervene to reconcile and inquire about the reason for the reconciliation failure. In other words, for the reconciliation method of the present application, if the reconciliation based on the transaction detail information still fails, manual intervention and reconciliation are performed, which further ensures the high accuracy of the reconciliation method of the present application and reduces labor costs.

[0050] In a specific embodiment of the present application, Figure 4As shown, after the deposit system receives the balance discrepancy file sent by the accounting system, it splits the received balance discrepancy file based on the ID information of each distributed service unit to obtain multiple balance discrepancy subfiles. Each of the above balance discrepancy subfiles is sent to the corresponding distributed service unit (i.e., DUS). Each DUS parses the received balance discrepancy subfile and stores the parsed account balance information of the target customer into the business database corresponding to the DUS. Based on the account balance information in the business database, the transaction details of the target customer in the predetermined time period are found and the corresponding transaction detail subfile is generated. After the deposit system receives the easy-to-detail subfiles sent by each DUS, it merges the multiple transaction detail subfiles to obtain a transaction detail file. Afterwards, the deposit system sends the transaction detail file to the accounting system. The accounting system parses the transaction details file to obtain the target customer's transaction details. If the target customer's transaction details match the corresponding target transaction information, the reconciliation is considered successful. If they do not match the corresponding target transaction information, the reconciliation is considered unsuccessful. This means that the deposit system has the target customer's transaction information, but the accounting system does not, or the deposit system does not have the target customer's transaction information, but the accounting system does. Based on the target customer's transaction details that failed reconciliation, a transaction details discrepancy file is generated and sent to the deposit system, which then requires manual intervention for reconciliation.

[0051] The embodiment of the present application further provides a reconciliation device. It should be noted that the reconciliation device of the embodiment of the present application can be used to execute the reconciliation method provided in the embodiment of the present application. The reconciliation device provided in the embodiment of the present application is introduced below.

[0052] Figure 5 Schematic diagram of the structure of the reconciliation device according to the embodiment of the present application. The above reconciliation device is used in a deposit system, such as Figure 5 As shown, the reconciliation device includes:

[0053] The receiving unit 10 is configured to, upon receiving a reconciliation request, obtain account balance information of a target customer from the plurality of distributed service units, wherein the distributed service units store account balance information of a plurality of customers divided according to a customer dimension, and the target customer is one or more of the plurality of customers;

[0054] a classification unit 20 configured to classify the account balance information of the target customer according to a predetermined classification rule to obtain a plurality of reconciliation files, wherein the predetermined classification rule is a rule formulated based on at least a certificate of deposit type and a currency type;

[0055] The reconciliation unit 30 is configured to send a plurality of reconciliation files to the accounting system so that the accounting system performs reconciliation based on the reconciliation files and the target account balance, where the target account balance is the account balance information of the target customer stored in the accounting system.

[0056] In the above-mentioned reconciliation device, the account balance information of multiple customers is stored in multiple distributed service units according to the customer dimension. The receiving unit is used to obtain the account balance information of the target customer in multiple distributed service units when a reconciliation request is received; the classification unit is used to classify the account balance information of the target customer according to a predetermined classification rule to obtain multiple reconciliation files; the reconciliation unit is used to send the reconciliation file to the accounting system, so that the accounting system reconciles based on at least the received multiple reconciliation files and the target account balance. The reconciliation device of the present application divides the customer's account balance information according to the customer dimension and stores it in the distributed service unit, which ensures that the customer's account balance information has a low coupling degree and the storage of the customer's account balance information is relatively simple. When a reconciliation request is received, the target customer's account balance information can be obtained relatively easily. The account balance information is then divided according to predetermined rules, and the resulting multiple reconciliation files are sent to the accounting system, so that the accounting system can at least perform reconciliation based on the received reconciliation files and the target account balances. This ensures that the accounting system performs reconciliation more stably and reliably, thereby solving the problem of the prior art that is difficult to perform reconciliation more stably and reliably due to the high degree of interactive coupling of customer data.

[0057] In actual applications, the deposit system receives a reconciliation request, which is a scheduled task (e.g., a daily end-of-day batch task) initiated by the daily cut after the daily cut completes. Specifically, the target customer can be one or more. The target customer is a customer who has transactions within a predetermined time period (e.g., the same day). Furthermore, the daily cut can initiate the deposit system's daily end-of-day batch task at, for example, 11:55 PM each night. In other words, the daily cut can initiate the deposit system's daily end-of-day batch task at a fixed time.

[0058] Specifically, in actual applications, the above-mentioned certificate of deposit categories may include demand certificates of deposit, time certificates of deposit, and so on. Of course, these are not limited to the demand certificates of deposit and time certificates of deposit listed above, and may also include other certificate of deposit categories known in the art. Furthermore, the above-mentioned currency categories can also be simply divided into local currency categories and foreign currency categories. In other words, the above-mentioned currency categories are not limited to the local currency categories and foreign currency categories listed above, and may also include other currency categories known in the art. Of course, after adjusting the above-mentioned certificate of deposit categories and currency categories, the above-mentioned predetermined classification rules can also be flexibly formulated and adjusted.

[0059] Specifically, in the actual application process, after receiving a large amount of customer business data, the corresponding business data is segmented according to the customer dimension, and the segmented data is assigned to different data shards, and multiple data shards are assigned to different sub-tables, and finally multiple sub-tables are assigned to the corresponding DUS business database. Among them, the business database includes sharded data and non-sharded data. Figure 2 As shown, the distributed service unit (DUS) not only includes the business database, but can also provide services and basic resources.

[0060] In order to more easily divide the account balance information of the target customers and more easily obtain multiple reconciliation files, that is, more easily obtain the first reconciliation file, the second reconciliation file, the third reconciliation file and the fourth reconciliation file, in one embodiment of the present application, the above-mentioned reconciliation files include the first reconciliation file, the second reconciliation file, the third reconciliation file and the fourth reconciliation file, and the classification unit includes the first storage module, the second storage module, the third storage module and the fourth storage module. Among them, the above-mentioned first storage module is used to store the above-mentioned account balance information of the above-mentioned target customer whose certificate of deposit category is current certificate of deposit and whose currency category is local currency in the above-mentioned first reconciliation file; the above-mentioned second storage module is used to store the above-mentioned account balance information of the above-mentioned target customer whose certificate of deposit category is current certificate of deposit and whose currency category is foreign currency in the above-mentioned second reconciliation file; the above-mentioned third storage module is used to store the above-mentioned account balance information of the above-mentioned target customer whose certificate of deposit category is time deposit and whose currency category is local currency in the above-mentioned third reconciliation file; the above-mentioned fourth storage module is used to store the above-mentioned account balance information of the above-mentioned target customer whose certificate of deposit category is time deposit and whose currency category is foreign currency in the above-mentioned fourth reconciliation file.

[0061] In a specific embodiment of the present application, if only one target customer deposits 100,000 yuan at XX Bank on XX day, when the deposit system receives a reconciliation request on that day, the target customer's account balance information after the deposit can be copied from the corresponding distributed service unit. The target customer's account balance information is then classified according to predetermined classification rules. The following scenarios exist: 1) The target customer only deposited current local currency at XX Bank. In this case, according to the predetermined classification rules, a first reconciliation file can be obtained; 2) The target customer deposited current local currency and current foreign currency at XX Bank. In this case, according to the predetermined classification rules, a first reconciliation file and a second reconciliation file can be obtained. In other words, in the present application, the number of reconciliation files can be determined based on the number of target customers and the type of their account balances. In the present application, there is no limit on the number of reconciliation files obtained by classifying the target customer's account balance information according to the predetermined classification rules.

[0062] In another embodiment of the present application, the process of reconciling the above-mentioned accounting system based on at least the above-mentioned reconciliation file and the target account balance is as follows: parsing the above-mentioned reconciliation file to obtain the above-mentioned account balance information of the above-mentioned target customer; when the above-mentioned account balance information of the above-mentioned target customer is consistent with the corresponding above-mentioned target account balance, determining that the reconciliation is passed; when the above-mentioned account balance information of the above-mentioned target customer is inconsistent with the corresponding above-mentioned target account balance, determining that the reconciliation is failed. In this embodiment, for the accounting system, when receiving the reconciliation file sent by the deposit system, the reconciliation file is parsed, so that the target customer's account balance information can be obtained more simply. The target customer's account balance information is then compared with the target account balance of the target customer (i.e., the balance information of the target customer on the accounting system). If they are consistent, the reconciliation is determined to be passed; if they are inconsistent, the reconciliation is determined to be failed. This further enables the accounting system to perform reconciliation more simply and stably.

[0063] In order to facilitate further determination of the reasons why the reconciliation failed and to further ensure that the reconciliation results are more accurate, in another embodiment of the present application, the above-mentioned reconciliation device also includes a generation unit, which is used to determine that the reconciliation failed after the above-mentioned account balance information of the above-mentioned target customer is inconsistent with the corresponding above-mentioned target account balance. The above-mentioned accounting system generates a balance discrepancy file based on the above-mentioned account balance information of the above-mentioned target customer that is inconsistent with the above-mentioned target account balance, and sends it to the above-mentioned deposit system.

[0064] In a specific embodiment of the present application, Figure 3As shown, after the daily cut is completed, the daily cut invokes the end-of-day batch task on the deposit system (i.e., when the deposit system receives a reconciliation request), and obtains the target customer's account balance information from multiple distributed service units (DUS). Based on predetermined classification rules, the obtained target customer's account balance information is classified according to the classification rules of demand certificates of deposit and local currency, demand certificates of deposit and foreign currency, time certificates of deposit and local currency, and time certificates of deposit and foreign currency, thereby obtaining multiple account files (i.e., a first account file, a second account file, a third account file, and a fourth account file). The deposit system sends the first, second, third, and fourth account files to the accounting system, respectively. The accounting system parses the received first, second, third, and fourth reconciliation files one by one to obtain the target customer's corresponding account balance information. The accounting system then compares the account balance information in the first, second, third, and fourth reconciliation files one by one. If the target customer's account balance information is consistent with the corresponding target account balance, the reconciliation is determined to be successful; if the target customer's account balance information is inconsistent with the corresponding target account balance, the reconciliation is determined to be unsuccessful. If the target customer's account balance information is inconsistent with the corresponding target account balance, a balance discrepancy file is generated based on the target customer's customer number (i.e., ID information representing the target customer) and the account balance information that is inconsistent with the corresponding target account balance, and sent to the above-mentioned deposit system.

[0065] In another embodiment of the present application, the reconciliation device further includes a splitting unit and a first sending unit. The splitting unit is used to split the received discrepancy balance file based on the ID information of each of the distributed service units to obtain a plurality of discrepancy balance subfiles; the first sending unit is used to send each of the discrepancy balance subfiles to the corresponding distributed service unit, so that the distributed service unit generates a corresponding transaction detail file based on the discrepancy balance subfile, and sends the plurality of the transaction detail files to the deposit system. In this embodiment, the discrepancy balance file sent from the accounting system to the deposit system is split based on the ID information of the distributed service unit to obtain a plurality of discrepancy balance subfiles. The plurality of discrepancy balance subfiles are then sent to the corresponding distributed service unit, so that the distributed service unit can more easily generate a transaction detail file based on the discrepancy balance subfile.

[0066] In order to further improve the efficiency of subsequent accounting system reconciliation based on the transaction detail file and the target transaction information, in one embodiment of the present application, the process of the above-mentioned distributed service unit generating the corresponding transaction detail file based on the above-mentioned balance discrepancy subfile is as follows: based on the customer number of the above-mentioned target customer in the above-mentioned balance discrepancy subfile, determining the transaction detail information of the above-mentioned target customer within a predetermined time period; and forming the above-mentioned transaction detail file from the transaction detail information of the above-mentioned target customer. In this embodiment, the corresponding distributed service unit determines the transaction detail information of the target customer within the predetermined time period based on the customer number in the received balance discrepancy subfile. This makes it easier for the distributed service unit to retrieve the target customer's transaction detail information and avoids failure problems caused by the large amount of data retrieved.

[0067] Specifically, the above-mentioned predetermined time period can be flexibly adjusted according to actual circumstances, and the size of the above-mentioned predetermined time period is not limited in this application.

[0068] In order to further improve the accuracy of the reconciliation results and to enable the accounting system to perform relatively simple reconciliation, in another embodiment of the present application, after sending the multiple transaction detail files mentioned above to the above deposit system, the reconciliation device also includes a second sending unit for sending the multiple transaction detail files mentioned above to the above accounting system, so that the above accounting system performs reconciliation based on the multiple transaction detail files and target transaction information, and the above target transaction information is the transaction information of the above target customer stored in the above accounting system.

[0069] In another embodiment of the present application, the process of reconciling the above-mentioned accounting system based on the plurality of the above-mentioned transaction detail files and the target transaction information is as follows: parsing the above-mentioned transaction detail files to obtain the transaction detail information of the above-mentioned target customer; if the above-mentioned transaction detail information of the above-mentioned target customer is consistent with the corresponding above-mentioned target transaction information, determining that the reconciliation is passed; if the above-mentioned transaction detail information of the above-mentioned target customer is inconsistent with the corresponding above-mentioned target transaction information, determining that the reconciliation is failed, and generating a transaction detail discrepancy file based on the above-mentioned transaction detail information of the above-mentioned target customer that failed the reconciliation, and sending it to the above-mentioned deposit system; after the deposit system receives the transaction detail discrepancy file, it can manually intervene to reconcile and inquire about the reason for the reconciliation failure. In other words, for the reconciliation method of the present application, if the reconciliation based on the transaction detail information still fails, manual intervention and reconciliation are performed, which further ensures the high accuracy of the reconciliation method of the present application and reduces labor costs.

[0070] In a specific embodiment of the present application, Figure 4As shown, after the deposit system receives the balance discrepancy file sent by the accounting system, it splits the received balance discrepancy file based on the ID information of each distributed service unit to obtain multiple balance discrepancy subfiles. Each of the above balance discrepancy subfiles is sent to the corresponding distributed service unit (i.e., DUS). Each DUS parses the received balance discrepancy subfile and stores the parsed account balance information of the target customer into the business database corresponding to the DUS. Based on the account balance information in the business database, the transaction details of the target customer in the predetermined time period are found and the corresponding transaction detail subfile is generated. After the deposit system receives the easy-to-detail subfiles sent by each DUS, it merges the multiple transaction detail subfiles to obtain a transaction detail file. Afterwards, the deposit system sends the transaction detail file to the accounting system. The accounting system parses the transaction details file to obtain the target customer's transaction details. If the target customer's transaction details match the corresponding target transaction information, the reconciliation is considered successful. If they do not match the corresponding target transaction information, the reconciliation is considered unsuccessful. This means that the deposit system has the target customer's transaction information, but the accounting system does not, or the deposit system does not have the target customer's transaction information, but the accounting system does. Based on the target customer's transaction details that failed reconciliation, a transaction details discrepancy file is generated and sent to the deposit system, which then requires manual intervention for reconciliation.

[0071] The above-mentioned reconciliation device includes a processor and a memory. The above-mentioned receiving unit, classification unit and reconciliation unit are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to realize corresponding functions.

[0072] The processor includes a kernel, which retrieves the corresponding program unit from memory. One or more kernels can be configured, and kernel parameters can be adjusted to address the existing technology's difficulty in performing stable and reliable reconciliation due to the high degree of interactive coupling of customer data.

[0073] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0074] An embodiment of the present invention provides a computer-readable storage medium having a program stored thereon, which implements the above-mentioned reconciliation method when executed by a processor.

[0075] An embodiment of the present invention provides a processor, which is used to run a program, wherein the reconciliation method is executed when the program is run.

[0076] In a typical embodiment of the present application, a reconciliation system is further provided. The reconciliation system includes a deposit system and an accounting system. The deposit system includes a reconciliation device configured to execute any of the aforementioned reconciliation methods; the accounting system communicates with the deposit system and is configured to perform reconciliation based at least on a reconciliation file sent by the deposit system and a target account balance, where the target account balance is the target customer's account balance information stored in the accounting system.

[0077] The reconciliation system includes a deposit system and an accounting system. The deposit system includes a reconciliation device configured to perform any of the aforementioned reconciliation methods. The accounting system communicates with the deposit system and is configured to reconcile accounts based on at least a reconciliation file sent by the deposit system and a target account balance, where the target account balance is the target customer's account balance information stored in the accounting system. In the reconciliation method, the account balance information of multiple customers is stored in multiple distributed service units according to customer dimensions. Upon receiving a reconciliation request, the target customer's account balance information in the multiple distributed service units is obtained and classified according to predetermined classification rules to obtain multiple reconciliation files. The reconciliation files are then sent to the accounting system, allowing the accounting system to reconcile accounts based on at least the received multiple reconciliation files and the target account balance. The reconciliation method of the present application, because it divides customer account balance information according to customer dimensions and stores it in the distributed service units, ensures a low degree of coupling between customer account balance information and simplifies storage of customer account balance information. Upon receiving a reconciliation request, the target customer's account balance information can be obtained relatively easily. The account balance information is then divided according to predetermined rules, and the resulting multiple reconciliation files are sent to the accounting system, so that the accounting system can at least perform reconciliation based on the received reconciliation files and the target account balances. This ensures that the accounting system performs reconciliation more stably and reliably, thereby solving the problem of the prior art that is difficult to perform reconciliation more stably and reliably due to the high degree of interactive coupling of customer data.

[0078] An embodiment of the present invention provides a device, comprising a processor, a memory, and a program stored in the memory and executable on the processor. When the processor executes the program, at least the following steps are performed:

[0079] Step S101: upon receiving a reconciliation request, obtaining account balance information of a target customer from a plurality of distributed service units, wherein the distributed service units store account balance information of a plurality of customers divided according to a customer dimension, and the target customer is one or more of the plurality of customers;

[0080] Step S102: classifying the target customer's account balance information according to a predetermined classification rule to obtain a plurality of reconciliation files, wherein the predetermined classification rule is a rule formulated based on at least the certificate of deposit type and the currency type;

[0081] Step S103 : sending the multiple reconciliation files to the accounting system, so that the accounting system performs reconciliation based at least on the reconciliation files and the target account balance, where the target account balance is the account balance information of the target customer stored in the accounting system.

[0082] The devices in this article can be servers, PCs, PADs, mobile phones, etc.

[0083] The present application also provides a computer program product, which, when executed on a data processing device, is adapted to execute a program for initializing at least the following method steps:

[0084] Step S101: upon receiving a reconciliation request, obtaining account balance information of a target customer from a plurality of distributed service units, wherein the distributed service units store account balance information of a plurality of customers divided according to a customer dimension, and the target customer is one or more of the plurality of customers;

[0085] Step S102: classifying the target customer's account balance information according to a predetermined classification rule to obtain a plurality of reconciliation files, wherein the predetermined classification rule is a rule formulated based on at least the certificate of deposit type and the currency type;

[0086] Step S103 : sending the multiple reconciliation files to the accounting system, so that the accounting system performs reconciliation based at least on the reconciliation files and the target account balance, where the target account balance is the account balance information of the target customer stored in the accounting system.

[0087] In the above embodiments of the present invention, the description of each embodiment has its own focus. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0088] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only exemplary. For example, the division of the above-mentioned units can be a logical function division. In actual implementation, there may be other division methods, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0089] The units described above as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0090] In addition, the functional units in the various embodiments of the present invention may be integrated into a single processing unit, each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or software functional units.

[0091] If the above-mentioned integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes several instructions for enabling a computer device (which can be a personal computer, server or network device, etc.) to execute all or part of the steps of the above-mentioned methods of each embodiment of the present invention. The aforementioned storage medium includes: various media that can store program codes, such as a USB flash drive, a read-only memory (ROM), a random access memory (RAM), a mobile hard disk, a magnetic disk or an optical disk.

[0092] From the above description, it can be seen that the above embodiments of the present application achieve the following technical effects:

[0093] 1) In the reconciliation method of the present application, the account balance information of multiple customers is stored in multiple distributed service units according to the customer dimension. Upon receiving a reconciliation request, the account balance information of a target customer in the multiple distributed service units is obtained and classified according to predetermined classification rules to obtain multiple reconciliation files. The reconciliation files are then sent to the accounting system, allowing the accounting system to reconcile at least the received multiple reconciliation files with the target account balances. Because the reconciliation method of the present application divides the customer account balance information according to the customer dimension and stores it in the distributed service units, it ensures low coupling between the customer account balance information and simplifies the storage of the customer account balance information. Upon receiving a reconciliation request, the account balance information of the target customer can be obtained relatively easily. The account balance information is then divided according to predetermined rules, and the resulting multiple reconciliation files are sent to the accounting system, allowing the accounting system to reconcile at least the received reconciliation files with the target account balances. This ensures relatively stable and reliable reconciliation, thereby resolving the problem in the prior art of high mutual coupling of customer data, which hinders stable and reliable reconciliation.

[0094] 2) In the reconciliation device of the present application, the account balance information of multiple customers is stored in multiple distributed service units according to the customer dimension. The receiving unit is used to obtain the account balance information of the target customer in multiple distributed service units when a reconciliation request is received; the classification unit is used to classify the account balance information of the target customer according to a predetermined classification rule to obtain multiple reconciliation files; the reconciliation unit is used to send the reconciliation file to the accounting system, so that the accounting system reconciles based on at least the received multiple reconciliation files and the target account balance. The reconciliation device of the present application divides the customer's account balance information according to the customer dimension and stores it in the distributed service unit, which ensures that the customer's account balance information has a low coupling degree and the storage of the customer's account balance information is relatively simple. When a reconciliation request is received, the target customer's account balance information can be obtained relatively easily. The account balance information is then divided according to predetermined rules, and the resulting multiple reconciliation files are sent to the accounting system, so that the accounting system can at least perform reconciliation based on the received reconciliation files and the target account balances. This ensures that the accounting system performs reconciliation more stably and reliably, thereby solving the problem of the prior art that is difficult to perform reconciliation more stably and reliably due to the high degree of interactive coupling of customer data.

[0095] 3) The reconciliation system of the present application includes a deposit system and an accounting system. The deposit system includes a reconciliation device configured to perform any of the aforementioned reconciliation methods. The accounting system communicates with the deposit system and is configured to reconcile accounts based on at least a reconciliation file sent by the deposit system and a target account balance, where the target account balance is the target customer's account balance information stored in the accounting system. In the aforementioned reconciliation method, the account balance information of multiple customers is stored in multiple distributed service units according to customer dimensions. Upon receiving a reconciliation request, the target customer's account balance information in the multiple distributed service units is obtained and classified according to predetermined classification rules to obtain multiple reconciliation files. The reconciliation files are then sent to the accounting system, which performs reconciliation based on at least the received multiple reconciliation files and the target account balance. Because the reconciliation method of the present application divides customer account balance information according to customer dimensions and stores it in the distributed service units, it ensures a low degree of coupling between customer account balance information and simplifies storage of customer account balance information. Upon receiving a reconciliation request, the target customer's account balance information can be easily obtained. The account balance information is then divided according to predetermined rules, and the resulting multiple reconciliation files are sent to the accounting system, so that the accounting system can at least perform reconciliation based on the received reconciliation files and the target account balances. This ensures that the accounting system performs reconciliation more stably and reliably, thereby solving the problem of the prior art that is difficult to perform reconciliation more stably and reliably due to the high degree of interactive coupling of customer data.

[0096] The above description is merely a preferred embodiment of the present application and is not intended to limit the present application. Various modifications and variations are possible for those skilled in the art. Any modifications, equivalent substitutions, or improvements made within the spirit and principles of the present application shall be included within the scope of protection of the present application.

Claims

1. A reconciliation method, which is applied in a deposit system and is characterized by: The reconciliation method includes: Upon receiving a reconciliation request, obtaining account balance information of a target customer from a plurality of distributed service units, wherein the distributed service units store account balance information of a plurality of customers divided according to a customer dimension, the target customer being one or more of the plurality of customers; classifying the account balance information of the target customer according to a predetermined classification rule to obtain a plurality of reconciliation files, wherein the predetermined classification rule is a rule formulated based on at least a certificate of deposit type and a currency type; Sending the plurality of reconciliation files to an accounting system so that the accounting system performs reconciliation based at least on the reconciliation files and a target account balance, where the target account balance is account balance information of the target customer stored in the accounting system; The process of reconciling the accounting system based at least on the reconciliation file and the target account balance is as follows: parsing the reconciliation file to obtain the account balance information of the target customer; determining that the reconciliation is passed if the account balance information of the target customer is consistent with the corresponding target account balance; and determining that the reconciliation is failed if the account balance information of the target customer is inconsistent with the corresponding target account balance. In a case where the target customer's account balance information is inconsistent with the corresponding target account balance, after determining that the reconciliation has failed, the reconciliation method further includes: the accounting system generating a balance discrepancy file based on the target customer's account balance information that is inconsistent with the target account balance, and sending the file to the deposit system; The reconciliation method further includes: splitting the received balance discrepancy file based on the ID information of each distributed service unit to obtain multiple balance discrepancy subfiles; sending each of the balance discrepancy subfiles to the corresponding distributed service unit, so that the distributed service unit generates a corresponding transaction detail file based on the balance discrepancy subfile, and sending the multiple transaction detail files to the deposit system.

2. The reconciliation method according to claim 1, characterized in that: The reconciliation files include a first reconciliation file, a second reconciliation file, a third reconciliation file, and a fourth reconciliation file. The account balance information of the target customer is classified according to a predetermined classification rule to obtain multiple reconciliation files, including: storing the target customer's account balance information, whose deposit type is current deposit and whose currency type is local currency, in the first reconciliation file; storing the target customer's account balance information, whose deposit type is the demand deposit and whose currency type is foreign currency, in the second reconciliation file; storing the target customer's account balance information, whose deposit type is a time certificate and whose currency type is the local currency, in the third reconciliation file; The account balance information of the target customer whose deposit certificate type is the time deposit certificate and whose currency type is the foreign currency is stored in the fourth reconciliation file.

3. The reconciliation method according to claim 1, characterized in that: The process of the distributed service unit generating a corresponding transaction detail file based on the balance discrepancy subfile is as follows: based on the customer number of the target customer in the balance discrepancy subfile, determining the transaction detail information of the target customer within a predetermined time period; and forming the transaction detail file from the transaction detail information of the target customer.

4. The reconciliation method according to claim 1, characterized in that: After sending the plurality of transaction detail files to the deposit system, the reconciliation method further includes: The plurality of transaction detail files are sent to the accounting system, so that the accounting system performs reconciliation based on the plurality of transaction detail files and target transaction information, where the target transaction information is the transaction information of the target customer stored in the accounting system.

5. The reconciliation method according to claim 4, characterized in that: The process of reconciling the accounting system based on the multiple transaction detail files and the target transaction information is as follows: parsing the transaction detail files to obtain the transaction detail information of the target customer; determining that the reconciliation is passed if the transaction detail information of the target customer is consistent with the corresponding target transaction information; determining that the reconciliation is failed if the transaction detail information of the target customer is inconsistent with the corresponding target transaction information, and generating a transaction detail discrepancy file based on the transaction detail information of the target customer that failed the reconciliation, and sending it to the deposit system.

6. A reconciliation device, which is used in a deposit system, characterized in that: The reconciliation device includes: a receiving unit configured to, upon receiving a reconciliation request, obtain account balance information of a target customer from the plurality of distributed service units, wherein the distributed service units store account balance information of a plurality of customers divided according to a customer dimension, and the target customer is one or more of the plurality of customers; a classification unit, configured to classify the account balance information of the target customer according to a predetermined classification rule to obtain a plurality of reconciliation files, wherein the predetermined classification rule is a rule formulated based on at least a certificate of deposit type and a currency type; a reconciliation unit, configured to send a plurality of reconciliation files to an accounting system, so that the accounting system performs reconciliation based at least on the reconciliation files and a target account balance, where the target account balance is the account balance information of the target customer stored in the accounting system; The process of reconciling the accounting system based at least on the reconciliation file and the target account balance is as follows: parsing the reconciliation file to obtain the account balance information of the target customer; determining that the reconciliation is passed if the account balance information of the target customer is consistent with the corresponding target account balance; and determining that the reconciliation is failed if the account balance information of the target customer is inconsistent with the corresponding target account balance. The reconciliation device further includes: a generating unit configured to, when the account balance information of the target customer is inconsistent with the corresponding target account balance, generate a balance discrepancy file based on the account balance information of the target customer that is inconsistent with the target account balance, and send the file to the deposit system after determining that the reconciliation has failed; The reconciliation device also includes: a splitting unit and a first sending unit, wherein the splitting unit is used to split the received balance discrepancy file based on the ID information of each distributed service unit to obtain multiple balance discrepancy subfiles; the first sending unit sends each of the balance discrepancy subfiles to the corresponding distributed service unit, so that the distributed service unit generates a corresponding transaction detail file based on the balance discrepancy subfile, and sends the multiple transaction detail files to the deposit system.

7. A reconciliation system, characterized in that: include: A deposit system, the deposit system comprising a reconciliation device, the reconciliation device being configured to execute the reconciliation method according to any one of claims 1 to 5; An accounting system, in communication with the deposit system, is configured to perform reconciliation based at least on the reconciliation file sent by the deposit system and the target account balance, where the target account balance is the target customer's account balance information stored in the accounting system.

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