Method and device for checking account self-balancing results

Abstract

The embodiment of the present invention discloses a method and device for checking the result of self-balancing of pending accounts, which can be used in the financial field or other technical fields. The method includes: obtaining loan details and processing results of the loan details by the self-balancing system of pending accounts; dividing the loan details according to preset categories to obtain all loan details corresponding to each category; calculating the pending account amount corresponding to each category; when the pending account amount of a certain category is 0, determining whether the debit pending account account or the credit pending account account corresponding to the category has a corresponding pending account record in the processing result; when the pending account amount of a certain category is not 0, determining whether the debit pending account account or the credit pending account account corresponding to the category has a corresponding pending account record in the processing result. The present invention can automatically check the pending account processing results of the pending account self-balancing system, solving the problems of time-consuming, labor-intensive and inefficient manual checking at present.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a method and device for checking self-balancing results of pending accounts. Background Art

[0002] Hanging accounts is a common practice in current accounting processing. Due to the inconsistency of daily cut-off time, the accounts of the borrower and the lender are not reflected on the same day, resulting in hanging accounts.

[0003] Accounting is carried out according to this document and netting is carried out according to the transaction institution, business type, currency, and loan dimensions. The corresponding platform internal account is recorded according to the netting result: if there are more debits and fewer credits, it is recorded in the credit platform netting account; if there are fewer debits and more credits, it is recorded in the debit platform netting account.

[0004] like Figure 4 As shown: a transfer initiated by product application A, because the debit occurs on T day and the credit occurs on T+1, after each product application provides the netting amount to accounting, accounting will generate active accounts with the same amount and opposite debits and credits on T day and T+1 respectively.

[0005] In recent years, there are more and more applications involving accounts, and each application involving accounts has the possibility of accounts being left on hold the next day. At present, the automatic balance function of pending accounts is realized based on the pending accounts of the next day through the pending account self-balancing system. The pending account self-balancing system is used to determine whether it is necessary to put the account on hold based on the debit and credit details of the day, and add the pending account to the preset account when it is necessary to put the account on hold. At present, there are more and more applications involving accounts, and the pending account details have reached the million level. The subsequent business volume will increase to the billion level. At present, the automatic balance processing of the pending accounts of various applications in the pending account self-balancing system depends entirely on manual verification. At present, this manual verification method is time-consuming and labor-intensive, and has low efficiency. The existing technology lacks a more efficient method for verifying the pending account processing results of the pending account self-balancing system. Summary of the invention

[0006] In order to solve the technical problems in the above-mentioned background technology, the present invention proposes a method and device for checking the self-balancing results of pending accounts.

[0007] In order to achieve the above object, according to one aspect of the present invention, a method for checking the result of self-balancing of pending accounts is provided, the method comprising:

[0008] Obtaining loan details and the processing results of the loan details by the self-balancing system;

[0009] The loan details are divided according to preset categories to obtain all loan details corresponding to each category, wherein any two categories differ in at least one of the four attributes of region, outlet, currency and business type;

[0010] Calculate the corresponding outstanding amount for each category based on all the debit and credit details corresponding to each category;

[0011] When the pending account amount of a certain category is 0, determine whether there is a corresponding pending account record for the debit pending account account or the credit pending account account corresponding to the category in the processing result; if so, add all the debit and credit details corresponding to the category to the unchecked list; if not, add all the debit and credit details corresponding to the category to the checked list;

[0012] When the pending account amount of a certain category is not 0, determine whether there is a corresponding pending account record for the debit pending account number or the credit pending account number corresponding to the category in the processing result. If so, all the debit and credit details corresponding to the category are added to the passed verification list; if not, all the debit and credit details corresponding to the category are added to the failed verification list.

[0013] Optionally, the account self-balancing system is used to determine whether each category needs to be processed based on all the debit and credit details corresponding to each category. When a category needs to be processed, the category is processed and an account record is generated, wherein the account processing includes: active account suspension by the creditor and active account suspension by the debitor. The account record corresponding to the active account suspension by the creditor includes: the credit account number and amount corresponding to the category, and the account record corresponding to the active account suspension by the debitor includes: the debit account number and amount corresponding to the category.

[0014] Optionally, the calculating the amount of outstanding accounts corresponding to each category according to all the debit and credit details corresponding to each category specifically includes:

[0015] Subtract the total amount of credits from the total amount of debits of all debit and credit details corresponding to each category to obtain the amount on account corresponding to each category.

[0016] Optionally, when the pending account amount of a certain category is not 0, it is determined whether there is a corresponding pending account record in the processing result for the debit pending account account or the credit pending account account corresponding to the category. If so, all the debit and credit details corresponding to the category are added to the passed verification list. If not, all the debit and credit details corresponding to the category are added to the failed verification list, specifically including:

[0017] When the outstanding amount of a certain category is greater than 0, determine whether there is a corresponding outstanding record for the credit outstanding account corresponding to the category in the processing result. If so, all the debit and credit details corresponding to the category are added to the passed verification list. If not, all the debit and credit details corresponding to the category are added to the failed verification list, wherein the outstanding amount recorded in the corresponding outstanding record is equal to the outstanding amount of the category.

[0018] Optionally, when the pending account amount of a certain category is not 0, it is determined whether there is a corresponding pending account record in the processing result for the debit pending account account or the credit pending account account corresponding to the category. If so, all the debit and credit details corresponding to the category are added to the passed verification list. If not, all the debit and credit details corresponding to the category are added to the failed verification list, specifically including:

[0019] When the outstanding balance of a certain category is less than 0, determine whether there is a corresponding outstanding balance record for the debit outstanding account corresponding to the category in the processing result. If so, all the debit and credit details corresponding to the category are added to the verified list; if not, all the debit and credit details corresponding to the category are added to the unverified list, wherein the outstanding balance amount recorded in the corresponding outstanding balance record is equal to the absolute value of the outstanding balance amount of the category.

[0020] Optionally, the method for checking the result of the self-balancing of the pending account further includes:

[0021] Add the obtained loan details that are not in the verified list and not in the unverified list to the suspected multiple accounts list.

[0022] Optionally, the method for checking the result of the self-balancing of the pending account further includes:

[0023] Obtain a request for querying the details of the verification, wherein the request for querying the details of the verification includes information in four dimensions: region, outlet, currency, and business type;

[0024] All loan details corresponding to the checked detail query request are queried from the checked list, and a display interface is generated according to all the queried loan details to visually display the queried loan details.

[0025] Optionally, the method for checking the result of the self-balancing of the pending account further includes:

[0026] Obtaining a request for querying details of failed verification, wherein the request for querying details of failed verification includes information in four dimensions: region, outlet, currency, and business type;

[0027] All loan details corresponding to the failed detail query request are queried from the failed verification list, and a display interface is generated according to all the queried loan details to visually display the queried loan details.

[0028] Optionally, obtaining loan details specifically includes:

[0029] Get all loan details of the previous day after the day cut.

[0030] In order to achieve the above object, according to another aspect of the present invention, a device for checking the result of self-balancing of pending accounts is provided, the device comprising:

[0031] A module for obtaining processing results of the self-balancing system for hanging accounts, used to obtain loan details and processing results of the self-balancing system for hanging accounts on the loan details;

[0032] A loan details classification module, used to classify the loan details according to preset categories, and obtain all loan details corresponding to each category, wherein any two categories differ in at least one of the four attributes of region, outlet, currency and business type;

[0033] The module for determining the amount of outstanding accounts is used to calculate the amount of outstanding accounts corresponding to each category according to all the debit and credit details corresponding to each category;

[0034] A first checking module is used to determine whether there is a corresponding pending account record in the processing result for the debit pending account account or the credit pending account account corresponding to the category when the pending account amount of a certain category is 0, and if so, add all the debit and credit details corresponding to the category to the failed verification list; if not, add all the debit and credit details corresponding to the category to the passed verification list;

[0035] The second verification module is used to determine whether there is a corresponding account record in the debit account number or the credit account number corresponding to the category in the processing result when the account amount of a certain category is not 0. If so, all the debit and credit details corresponding to the category are added to the verified list; if not, all the debit and credit details corresponding to the category are added to the unverified list.

[0036] In order to achieve the above-mentioned purpose, according to another aspect of the present invention, a computer device is also provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps in the above-mentioned method for checking the self-balancing results of pending accounts when executing the computer program.

[0037] In order to achieve the above-mentioned purpose, according to another aspect of the present invention, a computer-readable storage medium is further provided, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed in a computer processor, the steps in the above-mentioned method for checking the self-balancing results of pending accounts are implemented.

[0038] The beneficial effects of the present invention are as follows: the embodiment of the present invention obtains the loan details and the processing results of the loan details by the self-balancing system, divides the loan details according to preset categories, obtains all the loan details corresponding to each category, calculates the corresponding amount of each category according to all the loan details corresponding to each category, and then verifies the processing results of the self-balancing system according to the amount of each category, and records the verification results. The present invention can automatically verify the processing results of the self-balancing system, which solves the time-consuming, labor-intensive and inefficient problems of current manual verification. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0040] Figure 1 Flow chart of a method for checking a self-balancing result of an account in an embodiment of the present invention;

[0041] Figure 2 is a flowchart of checking a list query according to an embodiment of the present invention;

[0042] Figure 3 This is a flowchart of checking a failed list query according to an embodiment of the present invention;

[0043] Figure 4 This is a schematic diagram of the alternate-day account suspension according to an embodiment of the present invention;

[0044] Figure 5 is a schematic diagram of a check list query interface according to an embodiment of the present invention;

[0045] Figure 6 2. It is a schematic diagram of a query interface for checking a failed list according to an embodiment of the present invention;

[0046] Figure 7 This is a structural block diagram of a device for checking the result of a self-balancing account according to an embodiment of the present invention;

[0047] Figure 8 It is a schematic diagram of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0048] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below 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 of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0049] 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.

[0050] It should be noted that the terms "including" and "having" and any variations thereof in the specification and claims of the present invention and the above-mentioned drawings are intended to cover non-exclusive inclusions. For example, a process, method, system, product or apparatus comprising 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 apparatus.

[0051] It should be noted that, in the absence of conflict, the embodiments of the present invention and the features in the embodiments can be combined with each other. The present invention will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0052] It should be noted that the method and device for checking the result of the self-balancing of the pending account of the present invention can be used in the financial field, and can also be applied to other technical fields.

[0053] Figure 1 Flow chart of the method for checking the result of the self-balancing of the account according to the embodiment of the present invention. Figure 1 As shown, in one embodiment of the present invention, the method for checking the result of the self-balancing of the pending account of the present invention includes steps S101 to S105.

[0054] Step S101, obtaining loan details and the processing result of the loan details by the self-balancing system.

[0055] In the embodiment of the present invention, the loan details obtained in this step are the loan details connected to the account self-balancing system, and the loan details include two types: borrowing details and loan details. Each loan detail includes: account number and amount, etc., where the account number can be a debit account number or a credit account number. For example, a loan detail is a debit account number A with a 100 yuan account.

[0056] In one embodiment of the present invention, this step obtains the loan details, which can be specifically obtained by obtaining all the loan details of the previous day after the day cut. In the embodiment of the present invention, after the day cut every day, that is, from T day to T+1 day, the present invention verifies the processing results generated by the account self-balancing system processing all the loan details of the previous day (that is, T day).

[0057] Step S102, classifying the loan details according to preset categories to obtain all loan details corresponding to each category, wherein any two categories differ in at least one of the four attributes of region, outlet, currency and business type.

[0058] The present invention targets the loan details connected to the account self-balancing system, and further classifies them according to the dimensions of region, outlet, currency and business type.

[0059] In the present invention, each classification of the present invention represents a channel, that is, this step is used to obtain all loan details corresponding to each channel, and each channel is different from other channels in at least one of the four dimensions of region, outlets, currency and business type.

[0060] Step S103, calculating the corresponding outstanding amount for each category according to all the debit and credit details corresponding to each category.

[0061] In one embodiment of the present invention, this step may specifically subtract the total amount of credits from the total amount of debits of all debit and credit details corresponding to each category to obtain the outstanding amount corresponding to each category.

[0062] The present invention accumulates the debit amount and the credit amount for all the loan details corresponding to each category (channel). After the accumulation is completed, the total debit amount is subtracted from the total credit amount to obtain the pending amount, and the pending direction is determined according to the pending amount. If the pending amount corresponding to a certain category is 0, the pending account is not performed, but the debit pending account account and the credit pending account account corresponding to the category are obtained. If the pending amount corresponding to a certain category is greater than 0, the credit pending account account corresponding to the category is obtained. If the pending amount corresponding to a certain category is less than 0, the debit pending account account corresponding to the category is obtained.

[0063] In the present invention, a debit account and a credit account are preset for each category (channel). When the category needs to be accounted, the account self-balancing system accounts for the debit account or the credit account corresponding to the category. Optionally, the debit account and the credit account are internal bank accounts.

[0064] Step S104, when the pending account amount of a certain category is 0, determine whether there is a corresponding pending account record for the debit pending account number or the credit pending account number corresponding to the category in the processing result. If so, add all the debit and credit details corresponding to the category to the unchecked list; if not, add all the debit and credit details corresponding to the category to the checked list.

[0065] The present invention performs full information verification based on the pending account information obtained in step S103 and the processing result file of the pending account self-balancing system.

[0066] When the amount of a certain category of pending account is 0, the present invention uses the pending account account numbers of both the debit and credit parties and the amount of 0 to search for the processing result file of the pending account self-balancing system. If no record is found, the corresponding access to the pending account self-balancing system is output with a detailed list of verification passed, and the verification result field records the verification passed. For each detail, the pending account account number is recorded as 0, the amount is 0, and the debit and credit flag is 0.

[0067] Step S105, when the pending account amount of a certain category is not 0, determine whether there is a corresponding pending account record for the debit pending account number or the credit pending account number corresponding to the category in the processing result. If so, add all the debit and credit details corresponding to the category to the passed verification list; if not, add all the debit and credit details corresponding to the category to the failed verification list.

[0068] When the amount of a certain category of pending account is not 0, the present invention uses the debit pending account account number or the credit pending account account number corresponding to the category, as well as the pending account amount and other information to search for the processing result file of the pending account self-balancing system. If a record is found, the record is verified, and the corresponding access to the pending account self-balancing system through verification details list is output, and the verification result field records the verification, and the pending account account number, amount, debit and credit mark and other information of each detail are recorded accordingly, and the processing result record of the pending account self-balancing system is marked with a verified mark. If the corresponding record cannot be found, the corresponding verification failure list is output, and the account number to be pending, the amount to be pending, the debit and credit mark to be pending and other information are recorded.

[0069] In one embodiment of the present invention, the account self-balancing system is used to determine whether each category (channel) needs to be processed based on all the debit and credit details corresponding to each category. When a category needs to be processed, the credit account number or debit account number corresponding to the category is obtained to perform account processing and generate an account record, wherein the account processing includes: active credit account and active debit account, and the account record corresponding to the active credit account includes: the credit account number and amount corresponding to the category, and the account record corresponding to the active debit account includes: the debit account number and amount corresponding to the category.

[0070] In one embodiment of the present invention, the above step S105 specifically includes:

[0071] When the pending account amount of a certain category is greater than 0, determine whether there is a corresponding pending account record in the processing result for the credit pending account corresponding to the category; if so, add all the debit and credit details corresponding to the category to the passed verification list; if not, add all the debit and credit details corresponding to the category to the failed verification list, wherein the pending account amount recorded in the corresponding pending account record is equal to the pending account amount of the category;

[0072] When the outstanding balance of a certain category is less than 0, determine whether there is a corresponding outstanding balance record for the debit outstanding account corresponding to the category in the processing result. If so, all the debit and credit details corresponding to the category are added to the verified list; if not, all the debit and credit details corresponding to the category are added to the unverified list, wherein the outstanding balance amount recorded in the corresponding outstanding balance record is equal to the absolute value of the outstanding balance amount of the category.

[0073] The present invention also displays the intelligent checking result through an interface, and the user can query the intelligent checking result on the interface.

[0074] Figure 2 1 is a flowchart of checking the list query according to an embodiment of the present invention, such as Figure 2 As shown, in one embodiment of the present invention, the process of querying the checklist includes step S201 and step S202.

[0075] Step S201, obtaining a query request for verified details, wherein the query request for verified details contains information in four dimensions: region, outlet, currency, and business type.

[0076] Figure 5 2 is a schematic diagram of a check list query interface according to an embodiment of the present invention, such as Figure 5As shown, the present invention can display the check list through the interface. Enter the region, outlet, currency, business (i.e. business type) in the interface and click [Query] to obtain the corresponding detailed records, as well as the corresponding details under the region, outlet, currency, business, and the account number, debit and credit mark, and amount of the detailed records. In the present invention, the four information of region, outlet, currency, and business type can determine a preset classification (channel).

[0077] Step S202 queries all loan details corresponding to the checked detail query request from the checked list, and generates a display interface based on all the queried loan details to visually display the queried loan details.

[0078] Figure 3 1 is a flowchart of checking a failed list according to an embodiment of the present invention, such as Figure 3 As shown, in one embodiment of the present invention, the process of querying the check-not-passed list includes step S301 and step S302.

[0079] Step S301, obtaining a request for detailed inquiry of items that have not been verified, wherein the request for detailed inquiry of items that have not been verified contains information in four dimensions: region, outlet, currency, and business type.

[0080] Figure 6 2 is a schematic diagram of a query interface for checking a failed list according to an embodiment of the present invention. Figure 6 As shown, the present invention can display the unchecked list in an interface. Enter the region, outlet, currency, and business (i.e., business type) in the interface and click [Query] to obtain the corresponding detailed records, and obtain information such as the account number that should be posted but not posted, the amount that should be posted but not posted, etc. in each detailed record.

[0081] Step S302, all loan details corresponding to the failed detail query request are searched from the failed verification list, and a display interface is generated according to all the queried loan details to visually display the queried loan details.

[0082] In one embodiment of the present invention, the method for checking the result of the self-balancing of the pending account of the present invention further includes:

[0083] Add the obtained loan details that are not in the verified list and not in the unverified list to the suspected multiple accounts list.

[0084] In one embodiment of the present invention, the present invention can also display the suspected list of multiple accounts in the form of a report, as shown in Table 1 below.

[0085]

[0086] Table 1

[0087] It can be seen from the above embodiments that the present invention processes the loan details connected to the account self-balancing system, each loan detail includes information such as the account number and amount, and automatically checks with the processing result of the account self-balancing system, outputs the check result, and uses the interface to display the check result, which is convenient for people who are not familiar with the account self-balancing system to directly check the account result. The present invention intelligently outputs the account check result and displays the check result in an interface, solving the testing dilemma of large check workload and difficult business check.

[0088] 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.

[0089] Based on the same inventive concept, an embodiment of the present invention also provides a device for checking the result of self-balancing an account, which can be used to implement the method for checking the result of self-balancing an account described in the above embodiment, as described in the following embodiment. Since the principle of solving the problem by the device for checking the result of self-balancing an account is similar to that of the method for checking the result of self-balancing an account, the embodiment of the device for checking the result of self-balancing an account can refer to the embodiment of the method for checking the result of self-balancing an account, and the repeated parts will not be repeated. As used below, the term "unit" or "module" can be a combination of software and / or hardware that implements a predetermined function. Although the device described in the following embodiment is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceivable.

[0090] Figure 7 is a structural block diagram of a device for checking the result of a self-balancing account according to an embodiment of the present invention. Figure 7 As shown, the device for checking the result of the self-balancing of the account in the embodiment of the present invention includes:

[0091] The processing result acquisition module 1 of the account self-balancing system is used to obtain the loan details and the processing result of the loan details by the account self-balancing system;

[0092] The loan details classification module 2 is used to classify the loan details according to preset categories to obtain all loan details corresponding to each category, wherein any two categories differ in at least one of the four attributes of region, outlet, currency and business type;

[0093] The pending account amount determination module 3 is used to calculate the pending account amount corresponding to each category according to all the debit and credit details corresponding to each category;

[0094] The first checking module 4 is used to determine whether there is a corresponding pending account record in the processing result for the debit pending account account or the credit pending account account corresponding to the category when the pending account amount of a certain category is 0, and if so, add all the debit and credit details corresponding to the category to the failed verification list; if not, add all the debit and credit details corresponding to the category to the passed verification list;

[0095] The second checking module 5 is used to determine whether there is a corresponding account record in the processing result for the debit account number or the credit account number corresponding to the category when the account amount of a certain category is not 0. If so, all the debit and credit details corresponding to the category are added to the checked list; if not, all the debit and credit details corresponding to the category are added to the unchecked list.

[0096] In one embodiment of the present invention, the pending account amount determination module 3 is specifically used to subtract the total amount of credits from the total amount of debits of all debit and credit details corresponding to each category to obtain the pending account amount corresponding to each category.

[0097] In one embodiment of the present invention, the second checking module 5 specifically includes:

[0098] The first processing unit is used to determine whether there is a corresponding pending account record in the processing result for the credit pending account corresponding to the category when the pending account amount of a certain category is greater than 0; if so, all the debit and credit details corresponding to the category are added to the verified list; if not, all the debit and credit details corresponding to the category are added to the unverified list, wherein the pending account amount recorded in the corresponding pending account record is equal to the pending account amount of the category.

[0099] In one embodiment of the present invention, the second checking module 5 specifically further includes:

[0100] The second processing unit is used to determine whether there is a corresponding pending account record in the processing result for the debit pending account corresponding to the category when the pending account amount of a certain category is less than 0; if so, all the debit and credit details corresponding to the category are added to the verified list; if not, all the debit and credit details corresponding to the category are added to the unverified list, wherein the pending account amount recorded in the corresponding pending account record is equal to the absolute value of the pending account amount of the category.

[0101] In one embodiment of the present invention, the device for checking the result of the self-balancing of the pending account of the present invention further includes:

[0102] The module for generating a suspected multiple-pending account list is used to add the loan details that are not in the verified list and not in the unverified list among all the obtained loan details to the suspected multiple-pending account list.

[0103] In one embodiment of the present invention, the device for checking the result of the self-balancing of the pending account of the present invention further includes:

[0104] A verification and passing detailed query request acquisition module is used to acquire a verification and passing detailed query request, wherein the verification and passing detailed query request contains information in four dimensions: region, outlet, currency, and business type;

[0105] The checked-through detail query module is used to query all loan details corresponding to the checked-through detail query request from the checked-through list, and generate a display interface based on all the queried loan details to visually display the queried loan details.

[0106] In one embodiment of the present invention, the device for checking the result of the self-balancing of the pending account of the present invention further includes:

[0107] A verification failure detailed query request acquisition module is used to acquire a verification failure detailed query request, wherein the verification failure detailed query request contains information in four dimensions: region, outlet, currency, and business type;

[0108] The failed verification detail query module is used to query all loan details corresponding to the failed verification detail query request from the failed verification list, and generate a display interface based on all the queried loan details to visually display the queried loan details.

[0109] In one embodiment of the present invention, the processing result acquisition module 1 of the account self-balancing system is specifically used to obtain all loan details of the previous day after the day cut.

[0110] In order to achieve the above object, according to another aspect of the present application, a computer device is also provided. Figure 8 As shown, the computer device includes a memory, a processor, a communication interface and a communication bus. A computer program that can be executed on the processor is stored in the memory. When the processor executes the computer program, the steps in the above-mentioned embodiment method are implemented.

[0111] The processor may be a central processing unit (CPU). The processor may also be other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or a combination of the above chips.

[0112] The memory, as a non-transitory computer-readable storage medium, can be used to store non-transitory software programs, non-transitory computer executable programs and units, such as the corresponding program units in the above method embodiments of the present invention. The processor executes various functional applications of the processor and works data processing by running the non-transitory software programs, instructions and modules stored in the memory, that is, implementing the method in the above method embodiments.

[0113] The memory may include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function; the data storage area may store data created by the processor, etc. In addition, the memory may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, or other non-volatile solid-state storage device. In some embodiments, the memory may optionally include a memory remotely arranged relative to the processor, and these remote memories may be connected to the processor via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0114] The one or more units are stored in the memory, and when executed by the processor, the method in the above embodiment is performed.

[0115] The specific details of the above-mentioned computer device can be understood by referring to the corresponding related descriptions and effects in the above-mentioned embodiments, and will not be repeated here.

[0116] In order to achieve the above purpose, according to another aspect of the present application, a computer-readable storage medium is also provided, wherein the computer-readable storage medium stores a computer program, and the computer program implements the steps in the above-mentioned method for checking the self-balancing result of the account when executed in a computer processor. It can be understood by those skilled in the art that the implementation of all or part of the processes in the above-mentioned embodiment method can be completed by instructing the relevant hardware through a computer program, and the program can be stored in a computer-readable storage medium, and the program can include the processes of the embodiments of the above-mentioned methods when executed. Among them, the storage medium can be a disk, an optical disk, a read-only memory (ROM), a random access memory (RAM), a flash memory (Flash Memory), a hard disk (Hard Disk Drive, abbreviated as: HDD) or a solid-state drive (SSD), etc.; the storage medium can also include a combination of the above-mentioned types of memory.

[0117] Obviously, those skilled in the art should understand that the above modules or steps of the present invention can be implemented by a general computing device, they can be concentrated on a single computing device, or distributed on a network composed of multiple computing devices, and optionally, they can be implemented by a program code executable by a computing device, so that they can be stored in a storage device and executed by the computing device, or they can be made into individual integrated circuit modules, or multiple modules or steps therein can be made into a single integrated circuit module for implementation. Thus, the present invention is not limited to any specific combination of hardware and software.

[0118] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A method for checking the result of self-balancing of pending accounts, characterized in that: include: Obtaining loan details and processing results of the loan details by the self-balancing system, where the loan details include borrowing details and loan details, and each loan detail includes: a pending account number and a pending amount, where the pending account number is a debit pending account number or a credit pending account number; The loan details are divided according to preset categories to obtain all loan details corresponding to each category, wherein any two categories differ in at least one of the four attributes of region, outlet, currency and business type, each category represents a channel, and each channel differs from other channels in at least one of the four dimensions of region, outlet, currency and business type; Calculate the corresponding outstanding amount for each category based on all the debit and credit details corresponding to each category; When the pending account amount of a certain category is 0, determine whether there is a corresponding pending account record in the processing result for the debit pending account account or the credit pending account account corresponding to the category. If so, add all the debit and credit details corresponding to the category to the unchecked list. If not, add all the debit and credit pending account details corresponding to the category to the checked list. A debit pending account account and a credit pending account account are preset for each category. When the category needs to be pending, the pending account self-balancing system performs the pending account on the debit pending account account or the credit pending account account corresponding to the category. When the pending account amount of a certain category is not 0, determine whether there is a corresponding pending account record for the debit pending account number or the credit pending account number corresponding to the category in the processing result. If so, all the debit and credit details corresponding to the category are added to the passed verification list; if not, all the debit and credit details corresponding to the category are added to the failed verification list.

2. The method for checking the result of the self-balancing of the pending account according to claim 1, characterized in that: The account self-balancing system is used to determine whether each category needs to be processed based on all the debit and credit details corresponding to each category. When a category needs to be processed, the category is processed and a record of the account is generated, wherein the processing of the account includes: active account suspension by the creditor and active account suspension by the debitor. The account suspension record corresponding to the active account suspension by the creditor includes: the credit account number and amount corresponding to the category, and the account suspension record corresponding to the active account suspension by the debitor includes: the debit account number and amount corresponding to the category.

3. The method for checking the result of the self-balancing of the pending account according to claim 1, characterized in that: The calculation of the corresponding outstanding amount of each category according to all the debit and credit details corresponding to each category specifically includes: Subtract the total amount of credits from the total amount of debits of all debit and credit details corresponding to each category to obtain the amount on account corresponding to each category.

4. The method for checking the result of the self-balancing of the account according to claim 3 is characterized in that: When the pending account amount of a certain category is not 0, determine whether there is a corresponding pending account record in the processing result for the debit pending account account or the credit pending account account corresponding to the category. If so, add all the debit and credit details corresponding to the category to the passed verification list. If not, add all the debit and credit details corresponding to the category to the failed verification list, specifically including: When the outstanding amount of a certain category is greater than 0, determine whether there is a corresponding outstanding record for the credit outstanding account corresponding to the category in the processing result. If so, all the debit and credit details corresponding to the category are added to the passed verification list. If not, all the debit and credit details corresponding to the category are added to the failed verification list, wherein the outstanding amount recorded in the corresponding outstanding record is equal to the outstanding amount of the category.

5. The method for checking the result of the self-balancing of the account according to claim 3 is characterized in that: When the pending account amount of a certain category is not 0, determine whether there is a corresponding pending account record in the processing result for the debit pending account account or the credit pending account account corresponding to the category. If so, add all the debit and credit details corresponding to the category to the passed verification list. If not, add all the debit and credit details corresponding to the category to the failed verification list, specifically including: When the outstanding balance of a certain category is less than 0, determine whether there is a corresponding outstanding balance record for the debit outstanding account corresponding to the category in the processing result. If so, all the debit and credit details corresponding to the category are added to the verified list; if not, all the debit and credit details corresponding to the category are added to the unverified list, wherein the outstanding balance amount recorded in the corresponding outstanding balance record is equal to the absolute value of the outstanding balance amount of the category.

6. The method for checking the result of the self-balancing of the account according to claim 1, characterized in that: Also includes: Add the obtained loan details that are not in the verified list and not in the unverified list to the suspected multiple accounts list.

7. The method for checking the result of the self-balancing of the account according to claim 1, characterized in that: Also includes: Obtain a request for querying the details of the verification, wherein the request for querying the details of the verification includes information in four dimensions: region, outlet, currency, and business type; All loan details corresponding to the checked detail query request are queried from the checked list, and a display interface is generated according to all the queried loan details to visually display the queried loan details.

8. The method for checking the result of the self-balancing of the account according to claim 1, characterized in that: Also includes: Obtaining a request for querying details of failed verification, wherein the request for querying details of failed verification includes information in four dimensions: region, outlet, currency, and business type; All loan details corresponding to the failed detail query request are queried from the failed verification list, and a display interface is generated according to all the queried loan details to visually display the queried loan details.

9. The method for checking the result of the self-balancing of the account according to claim 1, characterized in that: The obtaining of loan details specifically includes: Get all loan details of the previous day after the day cut.

10. A device for checking the result of self-balancing of pending accounts, characterized in that: include: The processing result acquisition module of the self-balancing system for hanging accounts is used to obtain the loan details and the processing results of the self-balancing system for the loan details. The loan details include the borrowing details and the loan details. Each loan detail includes: the hanging account number and the hanging account amount. The hanging account number is the debit hanging account number or the credit hanging account number. A loan details classification module is used to classify the loan details according to preset classifications to obtain all loan details corresponding to each classification, wherein any two classifications differ in at least one of the four attributes of region, outlet, currency and business type, each classification represents a channel, and each channel differs from other channels in at least one of the four dimensions of region, outlet, currency and business type; The module for determining the amount of outstanding accounts is used to calculate the amount of outstanding accounts corresponding to each category according to all the debit and credit details corresponding to each category; A first checking module is used to determine whether there is a corresponding pending account record in the processing result for the debit pending account account or the credit pending account account corresponding to the category when the pending account amount of a certain category is 0, and if so, add all the debit and credit pending account details corresponding to the category to the failed verification list, and if not, add all the debit and credit pending account details corresponding to the category to the passed verification list, wherein a debit pending account account and a credit pending account account are preset for each category, and when the category needs to be pending accounted, the pending account self-balancing system performs the pending account on the debit pending account account or the credit pending account account corresponding to the category; The second verification module is used to determine whether there is a corresponding account record in the debit account number or the credit account number corresponding to the category in the processing result when the account amount of a certain category is not 0. If so, all the debit and credit details corresponding to the category are added to the verified list; if not, all the debit and credit details corresponding to the category are added to the unverified list.

11. The device for checking the result of the self-balancing of the account according to claim 10, characterized in that: The pending account amount determination module is specifically used to subtract the total amount of credits from the total amount of debits of all debit and credit details corresponding to each category to obtain the pending account amount corresponding to each category.

12. The device for checking the result of the self-balancing of the account according to claim 11, characterized in that: The second checking module specifically includes: The first processing unit is used to determine whether there is a corresponding pending account record in the processing result for the credit pending account corresponding to the category when the pending account amount of a certain category is greater than 0; if so, all the debit and credit details corresponding to the category are added to the verified list; if not, all the debit and credit details corresponding to the category are added to the unverified list, wherein the pending account amount recorded in the corresponding pending account record is equal to the pending account amount of the category.

13. The device for checking the result of the self-balancing of the account according to claim 11, characterized in that: The second checking module specifically includes: The second processing unit is used to determine whether there is a corresponding pending account record in the processing result for the debit pending account corresponding to the category when the pending account amount of a certain category is less than 0; if so, all the debit and credit details corresponding to the category are added to the verified list; if not, all the debit and credit details corresponding to the category are added to the unverified list, wherein the pending account amount recorded in the corresponding pending account record is equal to the absolute value of the pending account amount of the category.

14. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 9 is implemented.

15. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed in a computer processor, the computer program implements the method according to any one of claims 1 to 9.

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