Reconciliation risk identification control method and system for financial reconciliation system, medium and equipment

Abstract

The invention discloses a financial reconciliation system reconciliation risk identification control method and system, a medium and equipment. The method comprises the following steps: a payer acquisition step: acquiring a transaction bill of a payment channel; a transaction party acquisition step: acquiring a transaction bill of a business party; an account checking platform acquisition step: acquiring an account checking result generated by the financial account checking platform; a risk identification control step: checking the transaction bill of the payment channel, the transaction bill of the business party and an account checking result generated by the account checking platform, modifying error data, and sending a processing result to an abnormal data processing module; an abnormal data processing step: receiving an error data modification structure, and manually modifying the unmodified data; and an abnormal data display step: analyzing, counting and displaying the reconciliation data subjected to error data processing. According to the method, the collection and automatic reconciliation of the transaction bill can be realized, and the abnormal data generated after reconciliation can be cleaned and corrected.

Description

Technical Field

[0001] The present invention relates to the field of risk identification and control in hospital financial reconciliation, and in particular to a method, system, medium and equipment for risk identification and control of a financial reconciliation system. Background Art

[0002] With the widespread application of various convenient payment methods, people are increasingly keen on using mobile payments such as WeChat, Alipay, Cloud QuickPass, and digital RMB. The inconsistency of various payment channels and various abnormal payment data have led to various reconciliation platforms being unable to completely avoid the occurrence of wrong accounts. The immaturity and lack of rigor of the reconciliation platform have led to some erroneous data in the reconciliation.

[0003] Manual analysis and processing of each unilateral or abnormal account will take up a lot of time and be prone to errors. This requires a risk control mechanism to automatically handle the abnormal data generated after various complex reconciliations, perform data cleanup and correction, and report abnormal data results in real time, and display abnormal records in real time. Summary of the invention

[0004] The technical problem solved by the present invention is to provide a method, system, medium and equipment for identifying and controlling the reconciliation risk of a financial reconciliation system for correcting abnormal data.

[0005] The technical solution adopted by the present invention to solve the technical problem is: a method for identifying and controlling reconciliation risks of a financial reconciliation system, comprising the following steps:

[0006] Payer collection steps: collect transaction bills from payment channels;

[0007] Transaction party collection steps: Collect the transaction bills of the business party;

[0008] Reconciliation platform collection steps: collect reconciliation results generated by the financial reconciliation platform;

[0009] Risk identification and control steps: respectively check the transaction bill of the payment channel, the transaction bill of the business party and the reconciliation results generated by the reconciliation platform, modify the erroneous data, and send the processing results to the abnormal data processing module;

[0010] Abnormal data processing steps: receiving the error data modification structure and manually modifying the unmodified data;

[0011] Abnormal data display steps: analyze, count and display the reconciliation data after the erroneous data processing.

[0012] Furthermore, it also includes a cyclic collection step, which specifically includes: performing cyclic collection when the payer collection step, the transaction party collection step and the reconciliation platform collection step fail, and when the failure occurs more than three times, pushing a message to the management party for manual triggering.

[0013] Furthermore, in the payer collection step, the transaction bills of the payment channels are collected, specifically: the transaction bills of each payment channel are automatically collected on time every day. When the collection fails, an early warning mechanism will be triggered to wait for the next automatic collection. If the collection fails more than n times, it will be recorded and notified.

[0014] Furthermore, in the transaction party collection step, the transaction bill of the business party is collected, specifically: the transaction bill of the business party is automatically collected in real time every day. When the collection fails, an early warning mechanism will be triggered to wait for the next automatic collection. If the collection fails more than n times, it will be recorded and notified.

[0015] Furthermore, in the reconciliation platform collection step, the reconciliation results generated by the financial reconciliation platform are collected, specifically: the reconciliation results generated by the financial reconciliation platform are automatically collected in real time every day. When the collection fails, an early warning mechanism will be triggered to wait for the next automatic collection. If the collection fails more than n times, it will be recorded and notified.

[0016] Furthermore, in the risk identification and control step, the transaction bill of the payment channel, the transaction bill of the business party and the reconciliation result generated by the reconciliation platform are checked respectively. If the record is erroneous data, the correct reconciliation result is fed back to the reconciliation platform. The reconciliation platform updates the data again, displays the correct reconciliation result, and sends the abnormal data information that still exists to the abnormal data processing module.

[0017] The present invention also discloses a financial reconciliation system reconciliation risk identification and control system, including the financial reconciliation system reconciliation risk identification and control method described above, including a payer collection module (first collection unit), a transaction party collection module (second collection unit), a reconciliation platform collection module (third collection unit), a risk identification control module, an abnormal data processing module and an abnormal data display module;

[0018] The payer collection module is used to collect transaction bills of payment channels;

[0019] The transaction party collection module is used to collect transaction bills of the business party;

[0020] The reconciliation platform collection module is used to collect the reconciliation results generated by the financial reconciliation platform;

[0021] The risk identification control module is used to check the transaction bill of the payment channel, the transaction bill of the business party and the reconciliation result generated by the reconciliation platform respectively, modify the erroneous data, and send the processing result to the abnormal data processing module;

[0022] The abnormal data processing module is used to receive the error data modification structure and manually modify the unmodified data;

[0023] The abnormal data display module is used to analyze, count and display the reconciliation data after the error data processing.

[0024] Furthermore, it also includes a cyclic collection module, which is used to perform cyclic collection when the payer collection step, the transaction party collection step and the reconciliation platform collection step fail. When the failure occurs more than three times, a message is pushed to the management party for manual triggering.

[0025] The present invention also discloses a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps of the above-mentioned method for identifying and controlling reconciliation risks of a branch financial reconciliation system are implemented.

[0026] The present invention also discloses a computer device, comprising a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory communicate with each other via the communication bus; wherein:

[0027] The memory is used to store computer programs;

[0028] The processor is used to execute the steps of the above-mentioned financial reconciliation system reconciliation risk identification and control method by running the program stored in the memory.

[0029] The beneficial effects of the present invention are:

[0030] 1. This method can collect and automatically reconcile transaction bills, and clean and correct abnormal data generated after reconciliation.

[0031] 2. In this method, when data collection fails, manual forced collection can be called to prevent the system from being in a failed state.

[0032] 3. In this method, when the abnormal data cannot be processed, the abnormal data will be sent to the system processing personnel, so there is no need to manually check the reconciliation results in each billing business system. After the account processing is completed, the reconciliation results will be automatically updated and recorded. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] Figure 1This is a flow chart of a method for identifying and controlling reconciliation risks in a financial reconciliation system according to an embodiment of the present application.

[0034] Figure 2 This is a flow chart of human intervention in the reconciliation risk identification and control method of the financial reconciliation system according to an embodiment of the present application. DETAILED DESCRIPTION

[0035] In order to make the above-mentioned objects, features and advantages of the present invention more obvious and easy to understand, the specific embodiments of the present invention are described in detail below with reference to the accompanying drawings.

[0036] like Figure 1 and Figure 2 As shown, the embodiment of the present application discloses a method for identifying and controlling reconciliation risks of a financial reconciliation system, comprising the following steps:

[0037] Payer collection steps: collect transaction bills from payment channels;

[0038] Transaction party collection steps: Collect the transaction bills of the business party;

[0039] Reconciliation platform collection steps: collect reconciliation results generated by the financial reconciliation platform;

[0040] Risk identification and control steps: respectively check the transaction bill of the payment channel, the transaction bill of the business party and the reconciliation results generated by the reconciliation platform, modify the erroneous data, and send the processing results to the abnormal data processing module;

[0041] Abnormal data processing steps: receiving the error data modification structure and manually modifying the unmodified data;

[0042] Abnormal data display steps: analyze, count and display the reconciliation data after the erroneous data processing.

[0043] This method can realize the collection and automatic reconciliation of transaction bills, and clean up and correct the abnormal data generated after the reconciliation.

[0044] Specifically, it also includes a cyclic collection step, which is specifically: when the payer collection step, the transaction party collection step and the reconciliation platform collection step fail, cyclic collection is performed, and when the failure occurs more than three times, a message is pushed to the management party for manual triggering.

[0045] Specifically, the cyclic collection mentioned above refers to continuous data collection until the required data is successfully collected. If the cyclic collection fails three times, it means that the system has a fault and the data collection operation cannot continue. At this time, the management personnel needs to find the cause and manually trigger the processing.

[0046] The above steps can prevent the system from being stuck, that is, prevent the system from being in a state where data cannot be collected.

[0047] Specifically, in the payer collection step, the transaction bills of the payment channels are collected, specifically: the transaction bills of each payment channel are automatically collected on time every day. When the collection fails, an early warning mechanism will be triggered to wait for the next automatic collection. If the collection fails more than n times, it will be recorded and notified, and the collection step will be cyclically performed.

[0048] It should be explained that the above n can be 3, 4, 5, etc., and can be set according to actual conditions, such as payment channels such as WeChat, Alipay, etc.; when collecting payment channel data, if the collection fails, an early warning will be issued and the current number of collection failures will be recorded, and the next collection will be waited for. When the number of consecutive collection failures reaches the set n times, the next step of cyclic collection operation will be carried out.

[0049] The setting of this step can prevent the transaction bill of the payment channel from being in a state of collection failure. When collection failure is confirmed, manual intervention can be carried out as soon as possible.

[0050] In the transaction party collection step, the transaction bill of the business party is collected, specifically: the transaction bill of the business party is automatically collected in real time every day. When the collection fails, an early warning mechanism will be triggered to wait for the next automatic collection. If the collection fails more than n times, it will be recorded and notified, and the collection step will be cyclically performed.

[0051] It should be explained that the above n can be 3, 4, 5, etc., and can be set according to actual conditions. The transaction bill of the above business party is the bill of the payee. When the business party collects data, if the collection fails, an early warning will be issued and the current number of collection failures will be recorded, and the next collection will be waited for. When the number of consecutive collection failures reaches the set n times, the next step of cyclic collection operation will be carried out.

[0052] The setting of this step can prevent the business party's transaction bill from being in a state of collection failure. When collection failure is confirmed, manual intervention can be carried out as soon as possible.

[0053] In the reconciliation platform collection step, the reconciliation results generated by the financial reconciliation platform are collected, specifically: the reconciliation results generated by the financial reconciliation platform are automatically collected in real time every day. When the collection fails, an early warning mechanism will be triggered to wait for the next automatic collection. If the collection fails more than n times, it will be recorded and notified, and the collection step will be cyclically performed.

[0054] It should be explained that the above n can be 3, 4, 5, etc., and can be set according to actual conditions; when collecting data on the reconciliation platform, if the collection fails, an early warning will be issued and the current number of collection failures will be recorded, and the next collection will be waited for. When the number of consecutive collection failures reaches the set n times, the next step of cyclic collection operation will be carried out.

[0055] The setting of this step can prevent the transaction bills of the reconciliation platform from being in a state of collection failure. When collection failure is confirmed, manual intervention can be carried out as soon as possible.

[0056] In this embodiment, in the risk identification and control step, the transaction bill of the payment channel, the transaction bill of the business party and the reconciliation result generated by the reconciliation platform are checked respectively. If the record is erroneous data, the correct reconciliation result is fed back to the reconciliation platform. The reconciliation platform updates the data again, displays the correct reconciliation result, and sends the abnormal data information that still exists to the abnormal data processing module.

[0057] Specifically, when the abnormal data cannot be automatically corrected, the abnormal data will be sent to the abnormal data processing module, that is, the system processing personnel will receive the information and perform manual accounting processing on the reconciliation platform.

[0058] The above steps can be set up so that when abnormal data cannot be processed, the abnormal data will be sent to the system processing personnel, so that there is no need to manually go to each billing business system to check the reconciliation results. After the account processing is completed, the reconciliation results are automatically updated and recorded, so that the abnormal data can be quickly processed.

[0059] The present invention also discloses a financial reconciliation system reconciliation risk identification and control system, including the financial reconciliation system reconciliation risk identification and control method described above, including a payer collection module, a transaction party collection module, a reconciliation platform collection module, a risk identification and control module, an abnormal data processing module and an abnormal data display module;

[0060] The payer collection module is used to collect transaction bills of payment channels;

[0061] The transaction party collection module is used to collect transaction bills of the business party;

[0062] The reconciliation platform collection module is used to collect the reconciliation results generated by the financial reconciliation platform;

[0063] The risk identification control module is used to check the transaction bill of the payment channel, the transaction bill of the business party and the reconciliation result generated by the reconciliation platform respectively, modify the erroneous data, and send the processing result to the abnormal data processing module;

[0064] The abnormal data processing module is used to receive the error data modification structure and manually modify the unmodified data;

[0065] The abnormal data display module is used to analyze, count and display the reconciliation data after the error data processing.

[0066] Specifically, it also includes a cyclic collection module, which is used to perform cyclic collection when the payer collection step, the transaction party collection step and the reconciliation platform collection step fail. When the failure occurs more than three times, a message is pushed to the management party for manual triggering.

[0067] The specific usage of this system is as follows:

[0068] Step 1: The system operator sets the date and time for automatic collection according to actual needs, deploys the payer collection module, the transaction party collection module, and the reconciliation platform collection module, and verifies the accuracy of the collected data.

[0069] Step 2: The system operator deploys the risk identification control module and executes the collection module to collect data from each module for risk identification and data verification.

[0070] Step 3: Establish a data notification unit, deploy message notification service, import user contact information, and test the real-time and accuracy of message notification.

[0071] Step 4: Each unit module performs joint debugging and testing, verifies data, marks abnormal data for automatic processing, and notifies the processing results through the message notification service.

[0072] Step 5: Stress test and use. Perform data analysis, statistics, and visualization on the risk control system processing results.

[0073] The present invention also discloses a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps of the above-mentioned financial reconciliation system reconciliation risk identification and control method are implemented.

[0074] In addition, the computer-readable storage medium of this embodiment may adopt any combination of one or more computer-readable storage media, wherein the computer-readable storage medium includes electrical, optical, electromagnetic, infrared or semiconductor systems, devices or components, or any combination thereof.

[0075] The present invention also discloses a computer device, comprising a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory communicate with each other via the communication bus; wherein:

[0076] The memory is used to store computer programs;

[0077] The processor is used to execute the steps of the above-mentioned financial reconciliation system reconciliation risk identification and control method by running the program stored in the memory.

[0078] As an embodiment of the present invention, the communication bus mentioned in the above terminal can be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus, etc. The communication bus can be divided into an address bus, a data bus, a control bus, etc.

[0079] As an implementation mode of the present invention, the communication interface is used for communication between the above-mentioned terminal and other devices.

[0080] As an embodiment of the present invention, the memory may include a random access memory (RAM) or a non-volatile memory, such as at least one disk memory. Optionally, the memory may also be at least one storage device located away from the aforementioned processor.

[0081] As an embodiment of the present invention, the above-mentioned processor can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components.

[0082] Different from the existing technology, this method can collect and automatically reconcile transaction bills, and clean and correct the abnormal data generated after reconciliation. At the same time, when data collection fails, manual forced collection can be called to prevent the system from being in a failed state. When the abnormal data cannot be processed, the abnormal data will be sent to the system processing personnel, so there is no need to manually go to each bill business system to check the reconciliation results. After the account processing is completed, the reconciliation results are automatically updated and recorded.

[0083] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for identifying and controlling reconciliation risks in a financial reconciliation system, characterized in that: The steps include: Payer collection steps: collect transaction bills from payment channels; Transaction party collection steps: Collect the transaction bills of the business party; Reconciliation platform collection steps: collect reconciliation results generated by the financial reconciliation platform; Risk identification and control steps: respectively check the transaction bill of the payment channel, the transaction bill of the business party and the reconciliation results generated by the reconciliation platform, modify the erroneous data, and send the processing results to the abnormal data processing module; Abnormal data processing steps: receiving the error data modification structure and manually modifying the unmodified data; Abnormal data display steps: analyze, count and display the reconciliation data after the erroneous data processing.

2. The financial reconciliation system reconciliation risk identification and control method according to claim 1, characterized in that: It also includes a cyclic collection step, which specifically includes: performing cyclic collection when the payer collection step, the transaction party collection step and the reconciliation platform collection step fail, and when the failure occurs more than three times, a message is pushed to the management party for manual triggering.

3. The financial reconciliation system reconciliation risk identification and control method according to claim 2, characterized in that: In the payer collection step, the transaction bills of the payment channels are collected, specifically: the transaction bills of each payment channel are automatically collected on time every day. When the collection fails, an early warning mechanism will be triggered to wait for the next automatic collection. If the collection fails more than n times, it will be recorded and notified, and the collection step will be repeated.

4. The financial reconciliation system reconciliation risk identification and control method according to claim 2, characterized in that: In the transaction party collection step, the transaction bill of the business party is collected, specifically: the transaction bill of the business party is automatically collected in real time every day. When the collection fails, an early warning mechanism will be triggered to wait for the next automatic collection. If the collection fails more than n times, it will be recorded and notified, and the collection step will be cyclically performed.

5. The financial reconciliation system reconciliation risk identification and control method according to claim 2, characterized in that: In the reconciliation platform collection step, the reconciliation results generated by the financial reconciliation platform are collected, specifically: the reconciliation results generated by the financial reconciliation platform are automatically collected in real time every day. When the collection fails, an early warning mechanism will be triggered to wait for the next automatic collection. If the collection fails more than n times, it will be recorded and notified, and the collection step will be cyclically performed.

6. The financial reconciliation system reconciliation risk identification and control method according to claim 1, characterized in that: In the risk identification and control step, the transaction bill of the payment channel, the transaction bill of the business party and the reconciliation result generated by the reconciliation platform are checked respectively. If the record is erroneous data, the correct reconciliation result is fed back to the reconciliation platform. The reconciliation platform re-updates the data, displays the correct reconciliation result, and sends the abnormal data information that still exists to the abnormal data processing module.

7. A financial reconciliation system reconciliation risk identification control system, comprising the financial reconciliation system reconciliation risk identification control method according to any one of claims 1 to 6, characterized in that: It includes payer collection module, transaction party collection module, reconciliation platform collection module, risk identification control module, abnormal data processing module and abnormal data display module; The payer collection module is used to collect transaction bills of payment channels; The transaction party collection module is used to collect transaction bills of the business party; The reconciliation platform collection module is used to collect the reconciliation results generated by the financial reconciliation platform; The risk identification control module is used to check the transaction bill of the payment channel, the transaction bill of the business party and the reconciliation result generated by the reconciliation platform respectively, modify the erroneous data, and send the processing result to the abnormal data processing module; The abnormal data processing module is used to receive the error data modification structure and manually modify the unmodified data; The abnormal data display module is used to analyze, count and display the reconciliation data after the error data processing.

8. The financial reconciliation system reconciliation risk identification and control system as claimed in claim 7, characterized in that: It also includes a cyclic collection module, which is used to perform cyclic collection when the payer collection step, the transaction party collection step and the reconciliation platform collection step fail. When the failure occurs more than three times, a message is pushed to the management party for manual triggering.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by the processor, the steps of the reconciliation risk identification and control method of the branch financial reconciliation system according to any one of claims 1 to 6 are implemented.

10. A computer device, characterized in that: It includes a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory communicate with each other through the communication bus; wherein: The memory is used to store computer programs; The processor is used to execute the steps of the financial reconciliation system reconciliation risk identification and control method according to any one of claims 1 to 6 by running the program stored in the memory.

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