Abnormal account early warning method and device

Abstract

An abnormal account early warning method and device can be used in the financial field or other fields. The method includes: obtaining internal account information and business detail information; the internal account information includes internal account balance information and internal account transaction details; matching the business detail information with the internal account transaction details to generate data matching results; using the preset fund in / out rules, verifying the business detail information and the internal account transaction details, and generating fund verification results; using the preset balance verification rules, verifying the balance of the business detail information and the internal account balance information, and generating balance verification results; generating abnormal account early warning results based on the data matching results, fund verification results and balance verification results. The present invention automatically matches the internal account information and the business detail information, and uses the fund in / out verification rules and the balance verification rules to automatically warn of abnormal accounts, thereby saving the labor cost of internal account management.

Description

Technical Field

[0001] The present invention relates to the technical field of abnormal account processing, and in particular to an abnormal account early warning method and device. Background Art

[0002] Internal accounts are commonly used in special banking businesses. Traditional ordinary internal accounts can be transferred out as long as there is a balance. There is no corresponding relationship between transfers out and transfers in, which can easily cause abnormal account problems such as account confusion, difficulty in reconciliation, and overdue accounts. There are currently two types of processing methods: 1) Manual verification, which is often performed by the bank's accounting management department to regularly check and find problems, and then manually trace the account details, which is usually difficult to implement and inefficient; 2) Transform into an internal account for cancellation, establish a ledger entry and expenditure registration system, but certain conditions must be met before the transformation can be carried out, and the transformation cost is extremely high, and it cannot fully cover all scenarios. Therefore, the current processing method cannot achieve timely and effective early warning of abnormal accounts of internal accounts. Summary of the invention

[0003] In view of the problems existing in the prior art, the main purpose of the embodiments of the present invention is to provide a method and device for abnormal account warning, so as to achieve timely and effective warning of abnormal accounts of internal accounts, strengthen the automated management of internal accounts, and save the labor cost of internal account management.

[0004] In order to achieve the above object, an embodiment of the present invention provides an abnormal account early warning method, the method comprising:

[0005] Obtaining internal account information and business details; wherein the internal account information includes internal account balance information and internal account transaction details;

[0006] Matching the business details information with the internal account transaction details and generating a data matching result;

[0007] Using the preset fund inflow and outflow rules, verify the fund inflow and outflow of the business details and the internal account transaction details, and generate the fund verification results;

[0008] Using the preset balance verification rules, the business detail information and the internal account balance information are checked, and a balance verification result is generated;

[0009] An abnormal account warning result is generated based on the data matching result, the fund verification result and the balance verification result.

[0010] Optionally, in one embodiment of the present invention, the business detail information includes a transaction serial number, a transaction amount information and counterparty account information.

[0011] Optionally, in an embodiment of the present invention, matching the business detail information with the internal account transaction details and generating a data matching result includes:

[0012] According to the transaction serial number, transaction amount information and counterparty account information, the internal account transaction details are matched item by item, the transaction tag type corresponding to each detail in the internal account transaction details is determined, and a data matching result is generated.

[0013] Optionally, in an embodiment of the present invention, the using of preset fund inflow and outflow rules to verify the business detail information and the internal account transaction details, and generating a fund verification result includes:

[0014] According to the transaction mark type corresponding to each detail in the internal account transaction details, the preset fund inflow and outflow rules are used to verify the fund inflow and outflow of the business detail information and the internal account transaction details, and generate the fund verification result.

[0015] The embodiment of the present invention further provides an abnormal account early warning device, the device comprising:

[0016] A data acquisition module, used to acquire internal account information and business details; wherein the internal account information includes internal account balance information and internal account transaction details;

[0017] A data matching module, used to match the business detail information with the internal account transaction details and generate a data matching result;

[0018] A fund verification module is used to verify the fund inflow and outflow of the business details and the internal account transaction details using the preset fund inflow and outflow rules, and generate a fund verification result;

[0019] A balance verification module, used to perform balance verification on the business detail information and the internal account balance information using preset balance verification rules, and generate a balance verification result;

[0020] The warning result module is used to generate abnormal account warning results according to the data matching results, the fund verification results and the balance verification results.

[0021] Optionally, in one embodiment of the present invention, the business detail information includes a transaction serial number, a transaction amount information and counterparty account information.

[0022] Optionally, in one embodiment of the present invention, the data matching module is also used to match the internal account transaction details one by one according to the transaction serial number, transaction amount information and counterparty account information, determine the transaction tag type corresponding to each detail in the internal account transaction details, and generate a data matching result.

[0023] Optionally, in one embodiment of the present invention, the funds verification module is also used to verify the funds inflow and outflow of the business detail information and the internal account transaction details according to the transaction mark type corresponding to each detail in the internal account transaction details, using preset funds inflow and outflow rules, and generate funds verification results.

[0024] The present invention also provides an electronic device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above method when executing the program.

[0025] The present invention also provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program for executing the above method.

[0026] The present invention implements the business and purpose corresponding to each transaction in the internal account by automatically matching the internal account information and the business detail information, and uses the fund inflow and outflow verification rules and the balance verification rules to automatically warn of abnormal accounts, thereby realizing automated management of accounts, greatly improving the operation and maintenance efficiency of account management, and saving the labor cost of internal account management. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0028] Figure 1 This is a flow chart of an abnormal account early warning method according to an embodiment of the present invention;

[0029] Figure 2 This is a schematic diagram of capital flow in a specific embodiment of the present invention;

[0030] Figure 3 A schematic diagram of the system structure of an abnormal account early warning method in a specific embodiment of the present invention;

[0031] Figure 4 This is a schematic diagram of the structure of an abnormal account early warning device according to an embodiment of the present invention;

[0032] Figure 5 A schematic diagram of the structure of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0033] The embodiments of the present invention provide an abnormal account warning method and device, which can be used in the financial field or other fields. It should be noted that the abnormal account warning method and device of the present invention can be used in the financial field, and can also be used in any field other than the financial field. The application field of the abnormal account warning method and device of the present invention is not limited.

[0034] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions 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 of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0035] like Figure 1 The flowchart of an abnormal account early warning method according to an embodiment of the present invention is shown. The execution subject of the abnormal account early warning method provided by the embodiment of the present invention includes but is not limited to a computer. The method shown in the figure includes:

[0036] Step S1, obtaining internal account information and business detail information; wherein the internal account information includes internal account balance information and internal account transaction details.

[0037] Among them, internal account information and business details information can be obtained from the database. Internal account information includes internal account balance information and internal account transaction details, and business details information includes transaction serial number, transaction amount information and counterparty account information.

[0038] Step S2, matching the business detail information with the internal account transaction details, and generating a data matching result.

[0039] Among them, according to the transaction serial number, transaction amount information and counterparty account information, each detail in the internal account transaction details is reconciled to generate a data matching result. The data matching result includes data matching or data mismatch to determine the consistency of accounts.

[0040] Furthermore, the transaction tag type corresponding to each detail in the internal account transaction details is determined based on the transaction serial number, transaction amount information and counterparty account information. Specifically, taking the bank's aggregate payment + second-clearance platform as an example, the aggregate payment platform connects with institutions such as China UnionPay and China National Payment Corporation for payment channels, and the platform-type partner connects with the aggregate payment system and the bank's second-clearance platform performs clearing in the income and expenditure separation mode, involving such things as Figure 4In the fund flow shown, suppose a secondary merchant has a payment transaction of b yuan on day T, the third-party payment institution charges a channel fee of e yuan, the bank charges a rebate of c yuan, and the platform charges a fee of c yuan. On T+1 day, the clearing institution will actively initiate clearing to the bank's AN account and deposit a yuan of principal; the secondary clearing platform will calculate the details of the first and second clearings based on the transaction results of the previous day, including: 1) the bank will make up the channel fee of e yuan from the cost expenditure account to AN, and clear the full amount to the transitional internal account of b yuan opened by the partner (i.e. the first-level institution); 2) clearing c yuan to the bank's rebate income account; 3) clearing c yuan to the platform's rebate income account; 4) clearing d yuan of principal to the merchant's settlement account. Now suppose that the two types of internal accounts marked in red in the figure need to be checked to ensure the normal clearing of funds, including the accuracy of the calculation of the clearing amount, the correctness of the borrowing and lending parties, and the accuracy of the results submitted to the host interface clearing. For the internal account of bank channel clearing, as the credit side, 1) it will receive clearing funds from clearing institutions such as China UnionPay and China NetsUnion, and can mark such transactions in the internal account details as "zero-level clearing" according to the special counterparty account; 2) it will receive the channel fee paid by the bank, and according to the transaction serial number, counterparty account information, transaction amount information and other elements in the business details, mark such transactions in the internal account details as "channel fee padding"; at the same time, as the debit side, this account will clear funds to the first-level institution clearing transition internal account through the first-level clearing, and can mark such transactions as "first-level clearing" according to the transaction serial number, counterparty account information, transaction amount information and other elements in the business details. Similarly, the first-level institution clearing internal account can also be marked as "first-level clearing", "second-level clearing", "bank rebate", "platform rebate" and other types according to the transaction serial number, counterparty account information, transaction amount information and other elements in the business details.

[0041] Step S3, using the preset fund inflow and outflow rules, verify the fund inflow and outflow of the business detail information and the internal account transaction details, and generate a fund verification result.

[0042] Among them, the specific process of fund inflow and outflow verification is: by pre-defining fund inflow and outflow rules, the expression of fund inflow and outflow f(t1)=g(t2) can be used to check funds, check whether the accounting rules are accurate, and discover the over and under of funds in time.

[0043] Specifically, in the expression f(t1)=g(t2), t1 and t2 are calculation parameters. For the aggregate payment + second clearing platform mentioned in the above example, t1 and t2 can be unified as t, which represents the date parameter, and f and g represent the fund formulas that need to be checked in the calculation. For internal accounts of bank channel clearing, f(t) is the funds deposited into the account, f(t) = ∑(zero-level clearing funds on day t) + ∑(adjustment fee on day t), and g(t) is the funds withdrawn from the account, g(t) = ∑(first-level clearing funds on day t); for internal accounts of first-level clearing institutions, the funds deposited f(t) = ∑(first-level clearing funds on day t), and the funds withdrawn g(t) = ∑(second-level merchant principal on day t) + ∑(bank rebate on day t) + ∑(platform rebate on day t); Under normal circumstances, the deposits and withdrawals should be consistent, that is, the funds verification result is f(t) = g(t); if the funds verification result is that f(t) is greater than or less than g(t), an account problem may have occurred and an early warning is required.

[0044] Step S4, using the preset balance verification rules, the business detail information and the internal account balance information are checked and a balance verification result is generated.

[0045] Among them, the specific process of account balance verification is: the pre-defined balance verification rules can be used to verify the verification expression N=f(t) for yesterday's or real-time balance, so as to realize the verification of product amount and internal account balance. N represents the balance of the internal account (which can be obtained through the bank interface query), t represents the parameter of the calculation expression, generally the date, and f(t) represents the balance that should exist in the internal account. For the aggregate payment + second-level clearing platform mentioned in the above example, the first-level institution clears the internal account f(t)=∑(second-level merchant clearing failed funds on day t)+∑(bank rebate clearing failed funds on day t)+∑(platform rebate clearing failed funds on day t). Under normal circumstances, when there is no problem with the account, the balance verification result is N=f(t); if the balance verification result is that N is greater than or less than f(t), there may be an account problem and an early warning is required.

[0046] Step S5, generating an abnormal account warning result according to the data matching result, the fund verification result and the balance verification result.

[0047] Among them, if any of the data matching results, fund verification results and balance verification results is abnormal, the abnormal account warning result generated is account abnormality; if the data matching results, fund verification results and balance verification results are all normal, the abnormal account warning result generated is account normal.

[0048] Furthermore, if the data matching result is a data mismatch, it indicates an account abnormality; if the fund verification result is that f(t) is greater than or less than g(t), it indicates an account abnormality; if the balance verification result is that N is greater than or less than f(t), it indicates an account abnormality.

[0049] As an embodiment of the present invention, the business detail information includes a transaction serial number, a transaction amount information and counterparty account information.

[0050] In this embodiment, the business detail information is matched with the internal account transaction details, and a data matching result is generated, including: according to the transaction serial number, transaction amount information and counterparty account information, the internal account transaction details are matched item by item, the transaction tag type corresponding to each detail in the internal account transaction details is determined, and a data matching result is generated.

[0051] Among them, according to the transaction serial number, transaction amount information and counterparty account information, each detail in the internal account transaction details is reconciled to generate a data matching result. The data matching result includes data matching or data mismatch to determine the consistency of accounts.

[0052] Furthermore, the transaction tag type corresponding to each detail in the internal account transaction details is determined based on the transaction serial number, transaction amount information and counterparty account information. Figure 2 As shown in the figure, taking the bank's aggregate payment + second clearing platform as an example, the aggregate payment platform connects with the payment channels of institutions such as China UnionPay and China National Payment Corporation, and the platform partner connects with the aggregate payment system for payment, and the bank's second clearing platform performs clearing in the income and expenditure separation mode, involving such as Figure 4In the fund flow shown, suppose a secondary merchant has a payment transaction of b yuan on day T, the third-party payment institution charges a channel fee of e yuan, the bank charges a rebate of c yuan, and the platform charges a fee of c yuan. On T+1 day, the clearing institution will actively initiate clearing to the bank's AN account and deposit a yuan of principal; the secondary clearing platform will calculate the details of the first and second clearings based on the transaction results of the previous day, including: 1) the bank will make up the channel fee of e yuan from the cost expenditure account to AN, and clear the full amount to the transitional internal account of b yuan opened by the partner (i.e. the first-level institution); 2) clearing c yuan to the bank's rebate income account; 3) clearing c yuan to the platform's rebate income account; 4) clearing d yuan of principal to the merchant's settlement account. Now suppose that the two types of internal accounts marked in red in the figure need to be checked to ensure the normal clearing of funds, including the accuracy of the calculation of the clearing amount, the correctness of the borrowing and lending parties, and the accuracy of the results submitted to the host interface clearing. For the internal account of bank channel clearing, as the credit side, 1) it will receive clearing funds from clearing institutions such as China UnionPay and China NetsUnion, and can mark such transactions in the internal account details as "zero-level clearing" according to the special counterparty account; 2) it will receive the channel fee paid by the bank, and according to the transaction serial number, counterparty account information, transaction amount information and other elements in the business details, mark such transactions in the internal account details as "channel fee padding"; at the same time, as the debit side, this account will clear funds to the first-level institution clearing transition internal account through the first-level clearing, and can mark such transactions as "first-level clearing" according to the transaction serial number, counterparty account information, transaction amount information and other elements in the business details. Similarly, the first-level institution clearing internal account can also be marked as "first-level clearing", "second-level clearing", "bank rebate", "platform rebate" and other types according to the transaction serial number, counterparty account information, transaction amount information and other elements in the business details.

[0053] In this embodiment, the preset funds inflow and outflow rules are used to verify the funds inflow and outflow of the business detail information and the internal account transaction details, and generate the funds verification results, including: according to the transaction mark type corresponding to each detail in the internal account transaction details, the preset funds inflow and outflow rules are used to verify the funds inflow and outflow of the business detail information and the internal account transaction details, and generate the funds verification results.

[0054] Among them, the specific process of fund inflow and outflow verification is: by pre-defining fund inflow and outflow rules, the expression of fund inflow and outflow f(t1)=g(t2) can be used to check funds, check whether the accounting rules are accurate, and discover the over and under of funds in time.

[0055] Specifically, the pre-defined fund inflow and outflow rules can be the expression f(t1)=g(t2), where t1 and t2 are calculation parameters, combined with the types of "first clearing", "second clearing", "bank rebate", "platform rebate", etc., for the aggregated payment + second clearing platform mentioned in the above example, t1 and t2 can be unified as t, representing the date parameter, and f, g represent the fund formulas that need to be checked for calculation. For internal accounts of bank channel clearing, f(t) is the funds deposited into the account, f(t) = ∑(zero-level clearing funds on day t) + ∑(adjustment fee on day t), and g(t) is the funds withdrawn from the account, g(t) = ∑(first-level clearing funds on day t); for internal accounts of first-level clearing institutions, the funds deposited f(t) = ∑(first-level clearing funds on day t), and the funds withdrawn g(t) = ∑(second-level merchant principal on day t) + ∑(bank rebate on day t) + ∑(platform rebate on day t); Under normal circumstances, the deposits and withdrawals should be consistent, that is, the funds verification result is f(t) = g(t); if the funds verification result is that f(t) is greater than or less than g(t), an account problem may have occurred and an early warning is required.

[0056] In a specific embodiment of the present invention, Figure 3 The figure shows a schematic diagram of the system structure of an abnormal account early warning method in a specific embodiment of the present invention. The specific working process of the system shown in the figure includes:

[0057] 1. Data preparation includes registering internal account information, and storing internal account balances, internal account account details and other data on a daily basis; each business system stores transaction details on a daily basis. The business details generally record the account numbers of both borrowers and lenders, the amount, and the unique serial number submitted to the host interface, and these elements also exist in the internal account return details. In the business data matching of the core module, the internal account details will be marked and blended according to the key elements such as the serial number in the transaction details of the business system; in the fund verification, the amount of funds to be verified will be calculated based on the above details; in the balance verification, the balance information will be used, and the above details will also be used to calculate the balance that should exist.

[0058] The basic framework for job execution provides a general job execution framework, executes batch jobs according to the set dependencies, and provides batch jobs for management system functions such as query results and resubmitting abnormal jobs, that is, the outer framework for executing the matching, verification, and balance verification functions in the core module. Dependency refers to the execution of the core module. For example, the verification of account AN needs to wait for the account details to complete matching operations such as "zero-level clearing", "first-level clearing", and "handling fee supplementation".

[0059] 2. The specific working process of the core module of the system includes:

[0060] (1) Business data matching: Based on the transaction serial number, transaction amount, counterparty account and other information, each detail of the internal account is matched with the transaction data to achieve account-to-actual consistency. Taking the bank's aggregate payment + second-clearance platform as an example, the aggregate payment platform connects with institutions such as China UnionPay and China National Payment Corporation to conduct payment channel docking, and the platform partner connects with the aggregate payment system and the bank's second-clearance platform conducts clearing in the income and expenditure separation mode, involving Figure 4 In the fund flow shown, suppose a secondary merchant has a payment transaction of b yuan on day T, the channel fee charged by the third-party payment institution is c yuan, the rebate charged by the bank is c yuan, and the fee charged by the platform is c yuan. On T+1 day, the clearing institution will actively initiate clearing to the bank's AN account and deposit the principal a yuan; the secondary clearing platform will calculate the details of the first and second clearings based on the transaction results of the previous day, including: 1) the bank will make up the channel fee e yuan from the cost expenditure account to AN, and clear the full amount to the transitional internal account b yuan opened by the partner (i.e. the first-level institution); 2) clearing c yuan to the bank's rebate income account; 3) clearing c yuan to the platform's rebate income account; 4) clearing d yuan of principal to the merchant's settlement account. Now suppose that the two types of internal accounts marked in red in the figure need to be checked to ensure the normal clearing of funds, including the accuracy of the calculation of the clearing amount, the correctness of the borrowing and lending parties, and the accuracy of the results submitted to the host interface clearing. For the internal account of bank channel clearing, as the credit side, 1) it will receive clearing funds from clearing institutions such as China UnionPay and China NetsUnion, and such transactions in the internal account details can be marked as "zero-level clearing" type according to the special counterparty account; 2) it will receive the channel fee paid by the bank, and such transactions in the internal account details can be marked as "channel fee padding" type according to the transaction serial number, counterparty account number, transaction amount and other elements in the clearing details imported by the business system; at the same time, as the debit side, this account will clear funds to the first-level institution clearing transition internal account through the first-level clearing, and such transactions can be marked as "first-level clearing" type according to the serial number, counterparty account number, amount and other elements in the clearing details imported by the business system. Similarly, the first-level institution clearing internal account can also be marked as "first-level clearing", "second-level clearing", "bank rebate", "platform rebate" and other types according to the serial number, counterparty account number, amount and other elements in the clearing details in the business system.

[0061] (2) Verification of funds inflow and outflow: The business system defines the expression of funds inflow and outflow f(t1) = g(t2) to verify the funds, check whether the accounting rules are accurate, and discover the surplus and shortage of funds in a timely manner. t1 and t2 are calculation parameters. For the aggregate payment + second-level clearing platform mentioned above, t1 and t2 can be unified as t, which represents the date parameter, and f and g represent the formulas for the funds that need to be verified in the calculation: for internal accounts of bank channel clearing, f(t) is the funds deposited into the account, f(t) = ∑(zero-level clearing funds on day t) + ∑(upfront handling fee on day t), and g(t) is the funds withdrawn from the account, g(t) = ∑(first-level clearing funds on day t); for internal accounts of first-level clearing institutions, the funds deposited f(t) = ∑(first-level clearing funds on day t), and the funds withdrawn g(t) = ∑(second-level merchant principal on day t) + ∑(bank rebate on day t) + ∑(platform rebate on day t); under normal circumstances, the deposited and withdrawn funds should be consistent, that is, f(t) = g(t); if the verification result is that f(t) is greater than or less than g(t), an account problem may have occurred and an early warning is required.

[0062] (3) Account balance verification: The business system defines the verification expression N = f(t) of yesterday's or real-time balance to verify the product amount and the internal account balance. N represents the balance of the internal account (which can be obtained through the bank interface query), t represents the parameter of the calculation expression, generally a date, and f(t) represents the balance that should exist in the internal account. For the above-mentioned aggregate payment + second-level clearing platform, the first-level institution clears the internal account f(t) = ∑(second-level merchant clearing failed funds on day t) + ∑(bank rebate clearing failed funds on day t) + ∑(platform rebate clearing failed funds on day t). If N is greater than or less than f(t), account problems may occur and early warning is required. The above functions all provide general templates, which can be implemented by simply configuring SQL statements or implementing several abstract classes, or can be customized by the business system.

[0063] 3. Exception handling: Issue early warnings for exceptions found in the three functions of the core module, and provide result query and exception handling functions in the management system.

[0064] 4. Account verification: All the balances found in data matching and fund verification of an internal account are displayed in a centralized manner, and verified with the current balance of the internal account. The system also provides management system query functions to realize balance query, matching result query, abnormal alarm query, verification result query, account summary query and job operation query.

[0065] The present invention implements the business and purpose corresponding to each transaction in the internal account by automatically matching the internal account information and the business detail information, and uses the fund inflow and outflow verification rules and the balance verification rules to automatically warn of abnormal accounts, thereby realizing automated management of accounts, greatly improving the operation and maintenance efficiency of account management, and saving the labor cost of internal account management.

[0066] like Figure 4 The structure diagram of an abnormal account early warning device according to an embodiment of the present invention is shown in the figure, and the device shown in the figure includes:

[0067] The data acquisition module 10 is used to acquire internal account information and business detail information; wherein the internal account information includes internal account balance information and internal account transaction details.

[0068] Among them, internal account information and business details information can be obtained from the database. Internal account information includes internal account balance information and internal account transaction details, and business details information includes transaction serial number, transaction amount information and counterparty account information.

[0069] The data matching module 20 is used to match the business detail information with the internal account transaction details and generate a data matching result.

[0070] Among them, according to the transaction serial number, transaction amount information and counterparty account information, each detail in the internal account transaction details is reconciled to generate a data matching result. The data matching result includes data matching or data mismatch to determine the consistency of accounts.

[0071] Furthermore, the transaction tag type corresponding to each detail in the internal account transaction details is determined based on the transaction serial number, transaction amount information and counterparty account information. Specifically, taking the bank's aggregate payment + second-clearance platform as an example, the aggregate payment platform connects with institutions such as China UnionPay and China National Payment Corporation for payment channels, and the platform-type partner connects with the aggregate payment system and the bank's second-clearance platform performs clearing in the income and expenditure separation mode, involving such things as Figure 4In the fund flow shown, suppose a secondary merchant has a payment transaction of b yuan on day T, the third-party payment institution charges a channel fee of e yuan, the bank charges a rebate of c yuan, and the platform charges a fee of c yuan. On T+1 day, the clearing institution will actively initiate clearing to the bank's AN account and deposit a yuan of principal; the secondary clearing platform will calculate the details of the first and second clearings based on the transaction results of the previous day, including: 1) the bank will make up the channel fee of e yuan from the cost expenditure account to AN, and clear the full amount to the transitional internal account of b yuan opened by the partner (i.e. the first-level institution); 2) clearing c yuan to the bank's rebate income account; 3) clearing c yuan to the platform's rebate income account; 4) clearing d yuan of principal to the merchant's settlement account. Now suppose that the two types of internal accounts marked in red in the figure need to be checked to ensure the normal clearing of funds, including the accuracy of the calculation of the clearing amount, the correctness of the borrowing and lending parties, and the accuracy of the results submitted to the host interface clearing. For the internal account of bank channel clearing, as the credit side, 1) it will receive clearing funds from clearing institutions such as China UnionPay and China NetsUnion, and can mark such transactions in the internal account details as "zero-level clearing" according to the special counterparty account; 2) it will receive the channel fee paid by the bank, and according to the transaction serial number, counterparty account information, transaction amount information and other elements in the business details, mark such transactions in the internal account details as "channel fee padding"; at the same time, as the debit side, this account will clear funds to the first-level institution clearing transition internal account through the first-level clearing, and can mark such transactions as "first-level clearing" according to the transaction serial number, counterparty account information, transaction amount information and other elements in the business details. Similarly, the first-level institution clearing internal account can also be marked as "first-level clearing", "second-level clearing", "bank rebate", "platform rebate" and other types according to the transaction serial number, counterparty account information, transaction amount information and other elements in the business details.

[0072] The fund verification module 30 is used to verify the fund inflow and outflow of the business details and the internal account transaction details using the preset fund inflow and outflow rules, and generate the fund verification result.

[0073] Among them, the specific process of fund inflow and outflow verification is: by pre-defining fund inflow and outflow rules, the expression of fund inflow and outflow f(t1)=g(t2) can be used to check funds, check whether the accounting rules are accurate, and discover the over-and-under of funds in time.

[0074] Specifically, in the expression f(t1)=g(t2), t1 and t2 are calculation parameters. For the aggregate payment + second clearing platform mentioned in the above example, t1 and t2 can be unified as t, which represents the date parameter, and f and g represent the fund formulas that need to be checked in the calculation. For internal accounts of bank channel clearing, f(t) is the funds deposited into the account, f(t) = ∑(zero-level clearing funds on day t) + ∑(adjustment fee on day t), and g(t) is the funds withdrawn from the account, g(t) = ∑(first-level clearing funds on day t); for internal accounts of first-level clearing institutions, the funds deposited f(t) = ∑(first-level clearing funds on day t), and the funds withdrawn g(t) = ∑(second-level merchant principal on day t) + ∑(bank rebate on day t) + ∑(platform rebate on day t); Under normal circumstances, the deposits and withdrawals should be consistent, that is, the funds verification result is f(t) = g(t); if the funds verification result is that f(t) is greater than or less than g(t), an account problem may have occurred and an early warning is required.

[0075] The balance verification module 40 is used to perform balance verification on the business detail information and the internal account balance information using preset balance verification rules, and generate a balance verification result.

[0076] Among them, the specific process of account balance verification is: the pre-defined balance verification rules can be used to verify the verification expression N=f(t) for yesterday's or real-time balance, so as to realize the verification of product amount and internal account balance. N represents the balance of the internal account (which can be obtained through the bank interface query), t represents the parameter of the calculation expression, generally the date, and f(t) represents the balance that should exist in the internal account. For the aggregate payment + second-level clearing platform mentioned in the above example, the first-level institution clears the internal account f(t)=∑(second-level merchant clearing failed funds on day t)+∑(bank rebate clearing failed funds on day t)+∑(platform rebate clearing failed funds on day t). Under normal circumstances, when there is no problem with the account, the balance verification result is N=f(t); if the balance verification result is that N is greater than or less than f(t), there may be an account problem and an early warning is required.

[0077] The warning result module 50 is used to generate abnormal account warning results according to the data matching results, the fund verification results and the balance verification results.

[0078] Among them, if any of the data matching results, fund verification results and balance verification results is abnormal, the abnormal account warning result generated is account abnormality; if the data matching results, fund verification results and balance verification results are all normal, the abnormal account warning result generated is account normal.

[0079] Furthermore, if the data matching result is a data mismatch, it indicates an account abnormality; if the fund verification result is that f(t) is greater than or less than g(t), it indicates an account abnormality; if the balance verification result is that N is greater than or less than f(t), it indicates an account abnormality.

[0080] As an embodiment of the present invention, the business detail information includes a transaction serial number, a transaction amount information and counterparty account information.

[0081] In this embodiment, the data matching module is also used to match the internal account transaction details item by item according to the transaction serial number, transaction amount information and counterparty account information, determine the transaction tag type corresponding to each detail in the internal account transaction details, and generate a data matching result.

[0082] In this embodiment, the funds verification module is also used to verify the funds inflow and outflow of the business detail information and the internal account transaction details according to the transaction mark type corresponding to each detail in the internal account transaction details, using preset funds inflow and outflow rules, and generate funds verification results.

[0083] Based on the same application concept as the above-mentioned abnormal account early warning method, the present invention also provides the above-mentioned abnormal account early warning device. Since the principle of solving the problem by the abnormal account early warning device is similar to that of the abnormal account early warning method, the implementation of the abnormal account early warning device can refer to the implementation of the abnormal account early warning method, and the repeated parts will not be repeated.

[0084] The present invention implements the business and purpose corresponding to each transaction in the internal account by automatically matching the internal account information and the business detail information, and uses the fund inflow and outflow verification rules and the balance verification rules to automatically warn of abnormal accounts, thereby realizing automated management of accounts, greatly improving the operation and maintenance efficiency of account management, and saving the labor cost of internal account management.

[0085] The present invention also provides an electronic device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above method when executing the program.

[0086] The present invention also provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program for executing the above method.

[0087] like Figure 5 As shown, the electronic device 600 may further include: a communication module 110, an input unit 120, an audio processing unit 130, a display 160, and a power supply 170. It is worth noting that the electronic device 600 does not necessarily have to include Figure 5 In addition, the electronic device 600 may also include Figure 5 For components not shown, reference may be made to the prior art.

[0088] like Figure 5 As shown, the central processor 100 is sometimes also referred to as a controller or an operation control, and may include a microprocessor or other processor devices and / or logic devices. The central processor 100 receives inputs and controls the operations of various components of the electronic device 600.

[0089] The memory 140 may be, for example, one or more of a cache, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory or other suitable devices. The above-mentioned information related to the failure may be stored, and a program for executing the relevant information may also be stored. The CPU 100 may execute the program stored in the memory 140 to implement information storage or processing.

[0090] The input unit 120 provides input to the CPU 100. The input unit 120 is, for example, a key or a touch input device. The power supply 170 is used to provide power to the electronic device 600. The display 160 is used to display display objects such as images and text. The display may be, for example, an LCD display, but is not limited thereto.

[0091] The memory 140 may be a solid-state memory, such as a read-only memory (ROM), a random access memory (RAM), a SIM card, etc. It may also be a memory that saves information even when the power is off, can be selectively erased, and is provided with more data, examples of which are sometimes referred to as EPROMs, etc. The memory 140 may also be some other type of device. The memory 140 includes a buffer memory 141 (sometimes referred to as a buffer). The memory 140 may include an application / function storage unit 142, which is used to store application programs and function programs or processes for executing the operation of the electronic device 600 through the central processor 100.

[0092] The memory 140 may also include a data storage unit 143 for storing data, such as contacts, digital data, pictures, sounds, and / or any other data used by the electronic device. The driver storage unit 144 of the memory 140 may include various drivers for communication functions of the electronic device and / or for executing other functions of the electronic device (such as messaging applications, address book applications, etc.).

[0093] The communication module 110 is a transmitter / receiver 110 that transmits and receives signals via an antenna 111. The communication module (transmitter / receiver) 110 is coupled to the central processor 100 to provide input signals and receive output signals, which may be the same as the case of a conventional mobile communication terminal.

[0094] Based on different communication technologies, multiple communication modules 110 may be provided in the same electronic device, such as a cellular network module, a Bluetooth module and / or a wireless LAN module. The communication module (transmitter / receiver) 110 is also coupled to a speaker 131 and a microphone 132 via an audio processor 130 to provide an audio output via the speaker 131 and receive an audio input from the microphone 132, thereby realizing a common telecommunication function. The audio processor 130 may include any suitable buffer, decoder, amplifier, etc. In addition, the audio processor 130 is also coupled to the central processor 100, so that the sound can be recorded on the local machine through the microphone 132, and the sound stored on the local machine can be played through the speaker 131.

[0095] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0096] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0097] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0098] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0099] The present invention uses specific embodiments to illustrate the principles and implementation methods of the present invention. The description of the above embodiments is only used to help understand the method of the present invention and its core idea. At the same time, for those skilled in the art, according to the idea of ​​the present invention, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on the present invention.

Claims

1. An abnormal account early warning method, It is characterized in that The method comprises: Obtaining internal account information and business details; wherein the internal account information includes internal account balance information and internal account transaction details; Matching the business details information with the internal account transaction details and generating a data matching result; Using the preset fund inflow and outflow rules, verify the fund inflow and outflow of the business details and the internal account transaction details, and generate the fund verification results; Using the preset balance verification rules, the business detail information and the internal account balance information are checked, and a balance verification result is generated; Generate abnormal account warning results according to the data matching results, the funds verification results and the balance verification results; The business details include transaction serial number, transaction amount and counterparty account information; Wherein, matching the business detail information with the internal account transaction details and generating a data matching result includes: According to the transaction serial number, transaction amount information and counterparty account information, the internal account transaction details are matched item by item, the transaction tag type corresponding to each detail in the internal account transaction details is determined, and a data matching result is generated; wherein the data matching result includes data matching or data mismatching to determine that the accounts are consistent.

2. The method according to claim 1, It is characterized in that The use of preset fund inflow and outflow rules to verify the business details and the internal account transaction details, and generating fund verification results includes: According to the transaction mark type corresponding to each detail in the internal account transaction details, the preset fund inflow and outflow rules are used to verify the fund inflow and outflow of the business detail information and the internal account transaction details, and generate the fund verification result.

3. An abnormal account early warning device, It is characterized in that The device comprises: A data acquisition module, used to acquire internal account information and business details; wherein the internal account information includes internal account balance information and internal account transaction details; A data matching module, used to match the business detail information with the internal account transaction details and generate a data matching result; A fund verification module is used to verify the fund inflow and outflow of the business details and the internal account transaction details using the preset fund inflow and outflow rules, and generate a fund verification result; A balance verification module, used to perform balance verification on the business detail information and the internal account balance information using preset balance verification rules, and generate a balance verification result; An early warning result module is used to generate an abnormal account early warning result according to the data matching result, the fund verification result and the balance verification result; The business details include transaction serial number, transaction amount and counterparty account information; Among them, the data matching module is also used to match the internal account transaction details one by one according to the transaction serial number, transaction amount information and counterparty account information, determine the transaction tag type corresponding to each detail in the internal account transaction details, and generate data matching results; wherein the data matching results include data matching or data mismatching to determine that the accounts are consistent.

4. The device according to claim 3, It is characterized in that The funds verification module is also used to verify the funds inflow and outflow of the business detail information and the internal account transaction details according to the transaction mark type corresponding to each detail in the internal account transaction details, using preset funds inflow and outflow rules, and generate funds verification results.

5. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, It is characterized in that When the processor executes the computer program, the method according to any one of claims 1 to 2 is implemented.

6. A computer-readable storage medium, It is characterized in that The computer-readable storage medium stores a computer program for executing the method according to any one of claims 1 to 2.

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