Reconciliation and Settlement Method and Device for Financial Management Services

Abstract

A reconciliation and settlement method and device for wealth management business, which can be used in the financial field or other fields. The method includes: obtaining the sales documents and settlement detail data of transactions, parsing the sales documents and settlement detail data to obtain data such as business payable data; according to the preset first reconciliation rule, performing associated reconciliation on the business receivable data and business received data to obtain the first reconciliation result; if the first reconciliation result is that the reconciliation is passed, then updating the ledger confirmation field corresponding to the transaction according to the first reconciliation result, and performing risk verification and automatic settlement on the business payable data; according to the preset second reconciliation rule, performing associated reconciliation on the business payable data and business paid data to obtain the second reconciliation result, and updating the ledger confirmation field corresponding to the transaction according to the second reconciliation result. The present invention realizes the automatic account reconciliation of the receivables and received amounts of the wealth management product settlement account, combines prevention and control mechanisms such as risk verification and automatic settlement, and improves the efficiency of reconciliation and settlement of wealth management business.

Description

Technical Field

[0001] The present invention relates to the technical field of reconciliation and settlement, and particularly to a method and device for reconciling and settling financial management business. Background Art

[0002] At present, with the accelerating release of products after the full implementation of the bank's financial management business and the continuous increase in the demand for various fund settlement services with distributors after the establishment of the consignment channels, manual fund settlement and transfer can no longer meet the business needs, consuming huge human and time costs. At the same time, due to the increase in the number of T+0 real-time settlement products, the method of manual reconciliation and the initiation of manual settlement strategies are prone to slow down the efficiency of manual accounts receivable and actual receipt reconciliation and settlement, increasing the time limit of fund turnover. Summary of the Invention

[0003] Aiming at 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 reconciling and settling financial management business, improving the efficiency of reconciling and settling financial management business and solving the pressure of manual reconciliation and settlement.

[0004] To achieve the above object, an embodiment of the present invention provides a method for reconciling and settling financial management business, the method comprising:

[0005] Obtaining a sales document and settlement detail data of a transaction, and parsing the sales document and the settlement detail data to obtain business payable data, business receivable data, business actual payment data and business actual receipt data;

[0006] According to a preset first reconciliation rule, performing associated reconciliation on the business receivable data and the business actual receipt data to obtain a first reconciliation result;

[0007] If the first reconciliation result is that the reconciliation is passed, updating the ledger confirmation field corresponding to the transaction according to the first reconciliation result, and performing risk verification and automatic settlement on the business payable data;

[0008] According to a preset second reconciliation rule, performing associated reconciliation on the business payable data and the business actual payment data to obtain a second reconciliation result, and updating the ledger confirmation field corresponding to the transaction according to the second reconciliation result.

[0009] Optionally, in an embodiment of the present invention, the parsing the sales document and the settlement detail data to obtain business payable data, business receivable data, business actual payment data and business actual receipt data includes:

[0010] Performing text parsing on the sales document to obtain the business payable data and the business receivable data;

[0011] Parse the liquidation details data and identify fields to obtain the actual business payment data and actual business receipt data.

[0012] Optionally, in an embodiment of the present invention, the correlative reconciliation of the business receivable data and the actual business receipt data according to a preset first reconciliation rule to obtain a first reconciliation result includes:

[0013] Using the Quartz Job scheduling task technology, perform correlative reconciliation on the business receivable data and the actual business receipt data according to a preset first reconciliation rule to obtain a first reconciliation result.

[0014] Optionally, in an embodiment of the present invention, the risk verification and automatic liquidation of the business payable data include:

[0015] According to preset verification rules, perform dual-channel verification and risk verification on the business payable data;

[0016] After the dual-channel verification and risk verification are passed, use the Quartz Job scheduling task technology to perform automatic liquidation on the business payable data.

[0017] An embodiment of the present invention also provides a reconciliation and liquidation device for wealth management services, and the device includes:

[0018] A data parsing module, configured to obtain a sales document and liquidation details data of a transaction, and parse the sales document and the liquidation details data to obtain business payable data, business receivable data, actual business payment data, and actual business receipt data;

[0019] A first reconciliation module, configured to perform correlative reconciliation on the business receivable data and the actual business receipt data according to a preset first reconciliation rule to obtain a first reconciliation result;

[0020] An automatic liquidation module, configured to, if the first reconciliation result is reconciliation passed, update the ledger confirmation field corresponding to the transaction according to the first reconciliation result, and perform risk verification and automatic liquidation on the business payable data;

[0021] A second reconciliation module, configured to perform correlative reconciliation on the business payable data and the actual business payment data according to a preset second reconciliation rule to obtain a second reconciliation result, and update the ledger confirmation field corresponding to the transaction according to the second reconciliation result.

[0022] Optionally, in an embodiment of the present invention, the data parsing module includes:

[0023] A text parsing unit, configured to perform text parsing on the sales document to obtain the business payable data and business receivable data;

[0024] A field identification unit, configured to parse the settlement detail data and identify fields, so as to obtain the actual business payment data and the actual business receipt data.

[0025] Optionally, in an embodiment of the present invention, the first reconciliation module is further configured to use the Quartz Job scheduling task technology to perform associated reconciliation on the business receivable data and the actual business receipt data according to a preset first reconciliation rule, so as to obtain a first reconciliation result.

[0026] Optionally, in an embodiment of the present invention, the automatic settlement module includes:

[0027] A risk verification unit, configured to perform dual-channel verification and risk verification on the business payable data according to a preset verification rule;

[0028] An automatic settlement unit, configured to, after the dual-channel verification and risk verification are passed, use the Quartz Job scheduling task technology to perform automatic settlement on the business payable data.

[0029] The present invention further provides an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor implements the above method when executing the program.

[0030] The present invention further provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program for executing the above method.

[0031] By parsing the sales documents and settlement detail data of transactions related to the wealth management business, and using the reconciliation rules and the parsed data for reconciliation and settlement, the present invention realizes the automatic reconciliation of the accounts receivable and actual receipts of the wealth management product settlement account, and combines prevention and control mechanisms such as risk verification and automatic settlement, so as to solve the problem of heavy manual settlement pressure while completing the automatic settlement function of the wealth management business, and improve the efficiency of reconciliation and settlement of the wealth management business. BRIEF DESCRIPTION OF THE DRAWINGS

[0032] In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings required for the description of the embodiments. Obviously, the following drawings are only some embodiments of the present invention, and those of ordinary skill in the art can obtain other drawings without creative efforts based on these drawings.

[0033] Figure 1 It is a flowchart of a reconciliation and settlement method for a wealth management business according to an embodiment of the present invention;

[0034] Figure 2 It is a data parsing flowchart in an embodiment of the present invention;

[0035] Figure 3 This is the verification and settlement flowchart in the embodiment of the present invention;

[0036] Figure 4 This is the schematic diagram of the system working timing of the reconciliation and settlement method for wealth management services in a specific embodiment of the present invention;

[0037] Figure 5 This is the structural schematic diagram of a reconciliation and settlement device for wealth management services in the embodiment of the present invention;

[0038] Figure 6 This is the structural schematic diagram of the data parsing module in the embodiment of the present invention;

[0039] Figure 7 This is the structural schematic diagram of the automatic settlement module in the embodiment of the present invention;

[0040] Figure 8 This is the structural schematic diagram of the electronic device provided in an embodiment of the present invention. Detailed implementation manners

[0041] The embodiment of the present invention provides a reconciliation and settlement method and device for wealth management services, which can be used in the financial field and other fields. It should be noted that the reconciliation and settlement method and device for wealth management services 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 reconciliation and settlement method and device for wealth management services of the present invention is not limited.

[0042] Next, the technical solutions in the embodiments of the present invention will be clearly and completely described in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

[0043] As Figure 1 shown in the flowchart of a reconciliation and settlement method for wealth management services in the embodiment of the present invention, the execution subject of the reconciliation and settlement method for wealth management services provided by the embodiment of the present invention includes but is not limited to the business system host. The method shown in the figure includes:

[0044] Step S1, obtain the sales file and settlement detail data of the transaction, and parse the sales file and the settlement detail data to obtain business payable data, business receivable data, business actual payment data, and business actual receipt data.

[0045] Among them, the sales documents and liquidation details data of transactions corresponding to the wealth management business are obtained from the storage device or business system. Specifically, the text parsing of the wealth management product sales data file can be realized through SQLLRD and the batch framework, and the parsed data is used as the business payable data and business receivable data. Specifically, the parsed data also includes product subscription, purchase, dividend, maturity, and redemption accounting data, as well as product share adjustment and reconciliation data.

[0046] Furthermore, through the Quartz Job scheduled task technology, an automated processing mechanism for downloading and writing off the liquidation account details is established to realize the acquisition and parsing of the liquidation account transaction details.

[0047] Specifically, the Quartz Job scheduled task CRON expression can be pre-configured to specify its invocation frequency. For example, the invocation frequency is to be triggered every 15 minutes from 8:00 to 19:00 for polling. After each trigger, the relevant information of the configured liquidation account number is read, and the liquidation details data of the liquidation account is obtained in batches and stored in the database. After all the details are downloaded, the details data is uniformly traversed and processed.

[0048] Furthermore, since there are only the transfer details of the receiving account and the paying account in the details data, the data in the details data is parsed and identified according to its summary field. Identified into the corresponding ledger data in the format of product + business type, and the business types of the ledger data include subscription, purchase, dividend, maturity, and redemption, which are used for subsequent reconciliation of receivables and actual receipts, payables and actual payments, that is, as business actual payment data and business actual receipt data.

[0049] Step S2, according to the preset first reconciliation rule, perform associated reconciliation on the business receivable data and the business actual receipt data to obtain the first reconciliation result.

[0050] Among them, through the Quartz Job scheduled task technology, according to the preset first reconciliation rule, perform associated reconciliation on the business receivable data and the business actual receipt data.

[0051] Furthermore, configure the Quartz Job scheduled task CRON expression to specify its invocation frequency. For example, the invocation frequency is to be triggered every 15 minutes from 8:00 to 20:00 for polling. This task respectively obtains the business receivable data split from the sales data file and the business actual receipt data obtained from the details download. According to these two parts of data, perform full-join merge reconciliation according to the preset first reconciliation rule. The full-join conditions include: own account number, currency, counterparty name, counterparty account number, transaction direction, combination code. If the conditions match, check whether the amounts are consistent. If they are consistent, the reconciliation is successful, that is, the reconciliation passes; if they are inconsistent or there is no matching record, record the reconciliation failure. Specifically, the preset first reconciliation rule is shown in Table 1.

[0052] Table 1

[0053]

[0054]

[0055] Step S3. If the first reconciliation result is reconciliation passed, update the ledger confirmation field corresponding to the transaction according to the first reconciliation result, and perform risk verification and automatic settlement on the business payable data.

[0056] Among them, if the first reconciliation result is reconciliation passed, that is, the verification is consistent, the ledger confirmation field is updated to "confirmed". The meaning of this status segment is used to identify that the receivables and the actual received amounts have been confirmed. In addition, the initial state of the ledger confirmation field can be empty or "unconfirmed".

[0057] Furthermore, when the first reconciliation result is reconciliation passed, that is, the receivables and actual received data are reconciled consistently, the dual-channel verification, automatic settlement pre-verification and automatic settlement process of the settlement instruction are triggered through the QuartzJob scheduled task technology. The specific process is as follows:

[0058] 1). The dual-channel verification process refers to using the instruction elements to be settled to reverse query the initial business payable data source (obtained by splitting the sales document). If the product, date, currency, corresponding account number of the seller, and amount are completely compared and consistent according to the elements, the automatic settlement can be initiated;

[0059] 2). The automatic settlement pre-verification refers to the legalization verification of the elements on the instruction form before settlement, which belongs to the ex-ante risk control mechanism;

[0060] 3). If the risk control check is risk-free, set the approval status of the sales transfer instruction in the wealth management business transaction to approved (no manual approval by the business is required). At the same time, the business system background calls the host settlement transfer interface of the business transaction to initiate the settlement instruction and submit it to the host to complete the automatic settlement process.

[0061] Step S4. According to the preset second reconciliation rule, perform associated reconciliation on the business payable data and the business actual payment data to obtain the second reconciliation result, and update the ledger confirmation field corresponding to the transaction according to the second reconciliation result.

[0062] Among them, through the Quartz Job scheduled task technology, according to the preset second reconciliation rule, perform rule-based associated reconciliation on the business payable data and the business actual payment data.

[0063] Furthermore, this step is a post-clearing reconciliation mechanism. After the automatic clearing or manual clearing after landing is completed, the host side will record the clearing details data. According to the preset second reconciliation rule, the payables (obtained by parsing the sales documents) and actual payments (obtained by parsing the clearing details) are checked similarly to step S3. If the second reconciliation result is consistent, the ledger confirmation field is updated to "cleared", which means that the received funds have been paid to the customer or the custodian bank. At this point, all business processes have been closed, and the reconciliation and clearing of the wealth management business has been completed. Specifically, the preset second reconciliation rule is shown in Table 2.

[0064] Table 2

[0065]

[0066]

[0067] As an embodiment of the present invention, Figure 2 As shown, the sales document and the liquidation detail data are parsed to obtain the business payable data, business receivable data, business actual payment data and business actual receipt data including:

[0068] Step S21, performing text parsing on the sales document to obtain the business payable data and business receivable data;

[0069] Step S22, parsing and field identification of the settlement detail data to obtain the business actual payment data and business actual receipt data.

[0070] Among them, SQLLRD and batch framework can be used to implement text parsing of financial product sales data files, and the parsed data can be used as business payable data and business receivable data. Specifically, the parsed data also includes product subscription, application, dividend, maturity and redemption accounting data, as well as product share adjustment and reconciliation data.

[0071] Furthermore, the Quartz Job scheduled task CRON expression can be pre-configured to specify its call frequency, for example, the call frequency is to call it every 15 minutes from 8:00 to 19:00. After each call, read the relevant information of the configured clearing account, obtain the clearing account clearing details in batches and store them in the database. After all the details are downloaded, traverse and process the details uniformly.

[0072] Furthermore, since the detailed data only contains the transfer details of the receiving account and the payment account, data parsing and identification are performed on the detailed data according to its summary field. Identified into the corresponding ledger data according to the format of the summary as product + business type. The business types of the ledger data include subscription, purchase, dividend, maturity, and redemption, which are used for subsequent reconciliation of receivables and actual receipts, and payables and actual payments, that is, as business actual payment data and business actual receipt data.

[0073] Specifically, QuartzJob timing cluster technology: The listener of Quartz is used to obtain the notification of an event in a timely manner when an event you are concerned about occurs in task scheduling. Similar to reminders such as emails and text messages during task execution. There are mainly three types of Quartz listeners: JobListener, TriggerListener, and SchedulerListener. As the name implies, they represent the listeners corresponding to tasks, triggers, and schedulers respectively. The usage methods of the three are similar. Before introducing the three listeners, two concepts need to be clarified: global listener and non-global listener. The difference between the two is that the global listener can receive event notifications of all Jobs / Triggers, while the non-global listener can only receive event notifications of Jobs or Triggers registered on it, and Jobs or Triggers not registered on it will not be monitored.

[0074] Furthermore, SQLLRD text parsing technology: SQL*LOADER is an ORACLE data loading tool, usually used to migrate operating system files (data) to the ORACLE database. SQL*LOADER is the loading method selected by large data warehouses because it provides the fastest way (DIRECT, PARALLEL).

[0075] As an embodiment of the present invention, according to the preset first reconciliation rule, the business receivable data and the business actual receipt data are associated and reconciled to obtain a first reconciliation result, including: using the Quartz Job timing task technology, according to the preset first reconciliation rule, the business receivable data and the business actual receipt data are associated and reconciled to obtain a first reconciliation result.

[0076] Among them, through the Quartz Job timing task technology, according to the preset first reconciliation rule, the business receivable data and the business actual receipt data are associated and reconciled.

[0077] Further, configure the Quartz Job scheduled task CRON expression to specify its invocation frequency. This task separately obtains the business receivables data split from the sales data file and the business actual receipts data downloaded from the details. Based on these two parts of data, a full outer join reconciliation is performed according to the preset first reconciliation rule. The full outer join conditions include: own account, currency, counterparty name, counterparty account, transaction direction, and combination code. If the conditions match, check whether the amounts are consistent. If they are consistent, the reconciliation is successful, that is, the reconciliation passes; if they are inconsistent or there is no matching record, record the reconciliation failure.

[0078] As an embodiment of the present invention, as Figure 3 shown, performing risk verification and automatic clearing on the business payables data includes:

[0079] Step S31, according to the preset verification rules, perform two-way verification and risk verification on the business payables data;

[0080] Step S32, after the two-way verification and risk verification pass, use the Quartz Job scheduled task technology to perform automatic clearing on the business payables data.

[0081] Among them, the two-way verification mainly adopts the method of reverse query of the source data. The instruction to be verified currently is reversely queried for the basic sales data through the combination code, currency, amount, account, and date elements. If the sales amounts queried for each element are equal to the amount to be cleared, the verification is consistent.

[0082] Further, the preset verification rules for the preposed risk verification adopt a configurable method. The rule set includes:

[0083] a. For the same product, the same date, the same channel, and the same batch, only one transfer can be made (the same channel is determined by the account);

[0084] b. The accounts of the remitting household and the receiving household cannot be the same;

[0085] c. The transfer date is equal to the system date;

[0086] d. The receiving account is 17 or 19 digits, the currency is the same, and the amount is greater than 0;

[0087] e. According to the product and the transaction type (intercepted from the summary), judge whether the switch status is on;

[0088] f. It is necessary to configure a system-level maximum amount, and those exceeding it cannot be automatically transferred;

[0089] Furthermore, through the Quartz Job scheduled task technology, the pending liquidation queue is scanned at a fixed frequency and automatic liquidation is realized. Different liquidation modes are selected according to conditions such as business models and liquidation accounts. Specifically, it includes three types of liquidation modes, which respectively process subscription, redemption, maturity dividend, and automatic liquidation instructions for sales fees.

[0090] In a specific embodiment of the present invention, as Figure 4 shown is a schematic diagram of the system working time sequence of the reconciliation and liquidation method for wealth management business. Aiming at the disadvantages of slow manual account reconciliation and liquidation efficiency in the existing system, in order to relieve the growth pressure of the liquidation business of each distributor after the full development of the bank's wealth management business with multiple distribution channels, and to reduce the human input cost of the sales liquidator's business for reconciliation and initiation of manual liquidation through manual verification, etc., the reconciliation and liquidation system for wealth management business provided by the present invention can improve the automatic risk control level and liquidation efficiency of wealth management funds, and solve the current pressure of nearly a hundred manual liquidations per day. The system shown in the figure includes: a sales data parsing module, a liquidation account detailed data module, an income data rule reconciliation module, an automatic liquidation module, and an expenditure data rule reconciliation module.

[0091] In this embodiment, the specific processing flow of the system includes:

[0092] 1) Based on the SQLLRD and ENTEGOR batch technologies, a data processing and processing mechanism for the subscription, redemption, and maturity dividend of wealth management products is established to realize the text parsing of the wealth management product sales data file. Then, the next step of automated accounts payable and receivable reconciliation is carried out.

[0093] Among them, the ENTEGOR batch technology: Entegor is an application platform for enterprise process management, suitable for large and medium-sized enterprises and institutions such as banks, insurance companies, securities companies, telecommunications companies, governments, and post offices that have large and medium-sized data centers and require the safe, stable, and efficient operation of internal IT application systems. The product series includes: Entegor job scheduling, Entegor manual operation standardization, and Entegor application system health check.

[0094] 2) Based on the Quartz Job scheduled task technology, an automated processing mechanism for downloading and writing off the details of the liquidation account is established to realize the acquisition and parsing of the liquidation account transaction details. That is, through the system configuration method, Quartz Job regularly pulls the configured liquidation account detail batch download interface and classifies and archives the transaction details. Then, the next step of automated actual payment and receipt reconciliation is carried out.

[0095] 3) Through the Quartz Job scheduled task technology, using the first reconciliation rule, the rule-based reconciliation of the receivable and actual receipt data is carried out. The preset first reconciliation rule is shown in Table 1.

[0096] Among them, configure the CRON expression of the QuartzJob timed task to specify its invocation frequency. Currently, the invocation frequency is to start a round-robin every 15 minutes from 8:00 to 20:00. This task obtains the business receivables data split from the sales data file and the business actual receipts data downloaded from the details respectively. According to these two parts of data, the full-join reconciliation conditions include: the account of this party, currency, counterparty name, counterparty account, transaction direction, and combination code. If the conditions match, check whether the amounts are consistent. If they are consistent, the reconciliation is successful (=); if they are inconsistent or there is no matching record, record the reconciliation failure (≠).

[0097] Furthermore, perform an associated reconciliation by full-joining the receivables details and the actual receipts details, and update the confirmation status to "confirmed" after verification and confirmation.

[0098] 4) When the reconciliation of the receivables and actual receipts data is consistent, trigger the dual-channel verification, automatic clearing pre-verification, and automatic clearing process of the clearing instruction.

[0099] Among them, the dual-channel verification mainly adopts the method of reverse query of the source-attached data. Reverse query the basic sales data for the instruction to be verified currently through elements such as combination code, currency, amount, account, and date. If the sales amount retrieved for each element is equal to the amount to be cleared, the verification is consistent.

[0100] Furthermore, the preset verification rules adopt a configurable method, and the rule set includes:

[0101] a. For the same product, on the same date, through the same channel, and in the same batch, only one transfer can be made (the same channel is determined by the account);

[0102] b. The accounts of the remitting household and the receiving household cannot be the same;

[0103] c. The transfer date is equal to the system date;

[0104] d. The receiving account has 17 or 19 digits, the currency is consistent, and the amount is greater than 0;

[0105] e. Determine whether the switch status is on according to the product and transaction type (intercepted from the summary);

[0106] f. It is necessary to configure a system-level maximum amount, and amounts exceeding it cannot be automatically transferred;

[0107] Furthermore, use the Quartz Job timed task technology to scan the queue to be cleared at a fixed frequency and implement automatic clearing. The automatic clearing selects different clearing modes according to conditions such as business models and clearing accounts. Currently, it includes three types of clearing modes, which are used to process subscription, redemption maturity dividend, and sales fee automatic clearing instructions respectively.

[0108] 5) Using the Quartz Job scheduled task technology and the second reconciliation rule, perform rule - related reconciliation on the payable and actual payment data. The preset second reconciliation rule is shown in Table 2.

[0109] The system of the present invention performs fixed - frequency scanning of the Quartz Job cluster scheduled tasks to automatically reconcile the accounts receivable and actual receipts of the liquidation accounts of wealth management products. Through the fund liquidation reconciliation module compatible with the consignment channels and prevention and control mechanisms such as automatic liquidation dual - channel backup, the reconciliation is completed and verified to be consistent through the business rule engine. Finally, relying on the Quartz Job cluster scheduled task call interface, a real - time interface liquidation instruction is initiated to complete the fund liquidation. This device realizes the automatic liquidation function of wealth management product subscription, redemption, sales commission and other services, solves the current manual liquidation pressure of nearly a hundred times a day, and improves the system's automatic risk control level and liquidation efficiency of ICBC wealth management fund liquidation.

[0110] On the premise of ensuring risk control, after completing the reconciliation and passing the verification of the business rule engine, dual - channel backup and other prevention and control mechanisms that attach equal importance to business and system, the Quartz Job cluster scheduled task is used again to call the API interface to initiate a real - time interface liquidation instruction to complete the fund liquidation, greatly enhancing the efficiency of business liquidation and ensuring the accuracy of liquidation reconciliation at the same time.

[0111] As Figure 5 shown is the structural schematic diagram of a reconciliation and liquidation device for a wealth management business according to an embodiment of the present invention. The device shown in the figure includes:

[0112] A data parsing module 10, configured to obtain the sales file and liquidation detail data of a transaction, and parse the sales file and the liquidation detail data to obtain business payable data, business receivable data, business actual payment data, and business actual receipt data.

[0113] Among them, the sales file and liquidation detail data of the transaction corresponding to the wealth management business are obtained from a storage device or a business system. Specifically, the text parsing of the wealth management product sales data file can be implemented through SQLLRD and a batch framework, and the parsed data is used as the business payable data and business receivable data. Specifically, the parsed data also includes product subscription, purchase, dividend, maturity, and redemption accounting data, as well as product share adjustment and reconciliation data.

[0114] Furthermore, through the Quartz Job scheduled task technology, an automated processing mechanism for downloading and writing off the liquidation account details is established to realize the acquisition and parsing of the liquidation account transaction details.

[0115] Specifically, you can pre-configure the Quartz Job scheduled task CRON expression to specify its call-up frequency. After each call-up, read the relevant information of the configured clearing account, obtain the clearing account clearing details in batches and store them in the database. After all the details are downloaded, traverse and process the details uniformly.

[0116] Furthermore, since the detailed data only contains the transfer details of the receiving account and the payment account, the detailed data is parsed and identified according to its summary field. The corresponding ledger data is identified in the format of product + business type according to the summary. The business types of the ledger data include subscription, application, dividend, maturity and redemption, which are used for the subsequent reconciliation of actual receivables and actual payables, that is, as business actual payment data and business actual collection data.

[0117] The first reconciliation module 20 is used to perform associated reconciliation on the business receivable data and the business actually received data according to a preset first reconciliation rule to obtain a first reconciliation result.

[0118] Among them, through the Quartz Job scheduled task technology, the business receivables data and the business actual collection data are reconciled according to the preset first reconciliation rule.

[0119] Furthermore, configure the Quartz Job scheduled task CRON expression to specify its call frequency. This task splits the business receivable data obtained from the sales data file and the business actual collection data obtained from the detailed download. Based on these two parts of data, a full connection consolidation reconciliation is performed according to the preset first reconciliation rule. The full connection conditions include: local account, currency, counterparty name, counterparty account, transaction direction, and combination code. If the conditions match, check whether the amount is consistent. If it is consistent, the reconciliation is successful, that is, the reconciliation passes; if it is inconsistent or there is no matching record, the reconciliation failure is recorded.

[0120] The automatic clearing module 30 is used to update the ledger confirmation field corresponding to the transaction according to the first reconciliation result if the first reconciliation result is that the reconciliation is passed, and to perform risk verification and automatic clearing on the business payable data.

[0121] If the first reconciliation result is that the reconciliation is passed, that is, the verification is consistent, the ledger confirmation field is updated to "confirmed". This status segment means that the receivables and actual receipts have been confirmed. In addition, the initial status of the ledger confirmation field can be empty or "unconfirmed".

[0122] Furthermore, when the first reconciliation result is that the reconciliation is passed, that is, the reconciliation of the receivables and actual receipts is consistent, the two-way verification, automatic liquidation pre-verification and automatic liquidation process of the liquidation instruction are triggered through the QuartzJob scheduled task technology. The specific process is as follows:

[0123] 1) The two-way verification process refers to using the instruction elements to be cleared to check the initial business payable data source (obtained by splitting the sales file). If the product, date, currency, seller's corresponding account number and amount are completely consistent according to the elements, automatic clearing can be initiated;

[0124] 2) Automatic clearing pre-verification refers to the legalization verification of the elements on the order before clearing, which is a pre-risk control mechanism;

[0125] 3) If the risk control verification shows no risk, the approval status of the sales transfer instruction in the wealth management business transaction will be set to approved (no manual approval by the business is required). At the same time, the business system backend calls the host clearing and transfer interface of the business transaction to initiate the clearing instruction and submit it to the host to complete the automatic clearing process.

[0126] The second reconciliation module 40 is used to perform associated reconciliation on the business payable data and the business actual payment data according to a preset second reconciliation rule, obtain a second reconciliation result, and update the ledger confirmation field corresponding to the transaction according to the second reconciliation result.

[0127] Among them, through the Quartz Job scheduled task technology, the business payable data and the business actual payment data are reconciled according to the preset second reconciliation rule.

[0128] Furthermore, this step is a post-clearing reconciliation mechanism. After the automatic clearing or manual clearing after landing is completed, the host side will record the clearing details data. According to the preset second reconciliation rule, the payables (obtained by parsing the sales documents) and actual payments (obtained by parsing the clearing details) are checked similarly in step S3. If the second reconciliation result is consistent, the ledger confirmation field is updated to "cleared", which means that the received funds have been paid to the customer or custodian bank. At this point, all business processes have been closed, and the reconciliation and clearing of the wealth management business has been completed.

[0129] As an embodiment of the present invention, Figure 6 As shown, the data parsing module 10 includes:

[0130] A text parsing unit 11 is used to perform text parsing on the sales document to obtain the business payable data and business receivable data;

[0131] The field identification unit 12 is used to parse and identify the fields of the settlement detail data to obtain the business actual payment data and business actual receipt data.

[0132] As an embodiment of the present invention, the first reconciliation module is further configured to use the Quartz Job scheduled task technology to perform associated reconciliation on the business receivable data and the business received data according to a preset first reconciliation rule, and obtain a first reconciliation result.

[0133] As an embodiment of the present invention, as Figure 7 shown, the automatic clearing module 30 includes:

[0134] A risk verification unit 31, configured to perform two-way verification and risk verification on the business payable data according to a preset verification rule;

[0135] An automatic clearing unit 32, configured to, after the two-way verification and risk verification are passed, use the Quartz Job scheduled task technology to perform automatic clearing on the business payable data.

[0136] Based on the same application concept as the above-mentioned reconciliation and clearing method for a financial management service, the present invention further provides the above-mentioned reconciliation and clearing device for a financial management service. Since the principle of solving problems by this reconciliation and clearing device for a financial management service is similar to that of the reconciliation and clearing method for a financial management service, the implementation of this reconciliation and clearing device for a financial management service can refer to the implementation of the reconciliation and clearing method for a financial management service, and the repeated parts will not be described again.

[0137] The present invention realizes the automatic reconciliation of the accounts receivable and received in the clearing account of the financial product by parsing the sales documents and clearing detail data related to the financial management service, and performing reconciliation and clearing by using the reconciliation rules and the parsed data, and combines prevention and control mechanisms such as risk verification and automatic clearing, so as to solve the problem of heavy manual clearing pressure while completing the automatic clearing function of the financial management service, and improve the efficiency of reconciliation and clearing of the financial management service.

[0138] The present invention further provides an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, and when the processor executes the program, the above method is implemented.

[0139] The present invention further provides a computer-readable storage medium, which stores a computer program for executing the above method.

[0140] As Figure 8 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 should be noted that the electronic device 600 does not necessarily include all the components shown in Figure 8 ; in addition, the electronic device 600 may further include components not shown in Figure 8 , and reference may be made to the prior art.

[0141] As Figure 8 shown, the central processing unit 100, sometimes also referred to as a controller or operation control, may include a microprocessor or other processor device and / or logic device. The central processing unit 100 receives inputs and controls the operation of various components of the electronic device 600.

[0142] Among them, the memory 140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory, or other suitable devices. It can store the above-mentioned failure-related information, and can also store programs for executing relevant information. And the central processing unit 100 can execute the programs stored in the memory 140 to implement information storage or processing, etc.

[0143] The input unit 120 provides inputs to the central processing unit 100. The input unit 120 is, for example, a key or a touch input device. The power supply 170 is used to supply power to the electronic device 600. The display 160 is used to display display objects such as images and texts. The display can be, for example, an LCD display, but is not limited thereto.

[0144] The memory 140 can be a solid-state memory. For example, a read-only memory (ROM), a random access memory (RAM), a SIM card, etc. It can also be a memory that stores information even when powered off, can be selectively erased and has more data. Examples of such a memory are sometimes referred to as EPROMs, etc. The memory 140 can also be some other type of device. The memory 140 includes a buffer memory 141 (sometimes referred to as a buffer). The memory 140 can include an application / function storage unit 142, which is used to store application programs and function programs or the processes for operating the electronic device 600 through the central processing unit 100.

[0145] The memory 140 can also include a data storage unit 143, which is used to store 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 can include various drivers for the communication functions of the electronic device and / or for executing other functions of the electronic device (such as a messaging application, an address book application, etc.).

[0146] The communication module 110 is a transmitter / receiver 110 that transmits and receives signals via the antenna 111. The communication module (transmitter / receiver) 110 is coupled to the central processing unit 100 to provide input signals and receive output signals, which can be the same as in the case of a conventional mobile communication terminal.

[0147] Based on different communication technologies, in the same electronic device, multiple communication modules 110 can be provided, such as a cellular network module, a Bluetooth module, and / or a wireless local area network module, etc. 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, so as to implement normal telecommunication functions. The audio processor 130 can include any suitable buffers, decoders, amplifiers, etc. Additionally, the audio processor 130 is also coupled to a central processor 100, enabling recording on the device through the microphone 132 and playing the sounds stored on the device through the speaker 131.

[0148] Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can 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.

[0149] The present invention is described with reference to the flowcharts and / or block diagrams of methods, apparatuses (systems), and computer program products according to embodiments of the present invention. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, and the combination of flows and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to generate a machine, such that the instructions executed by the processor of the computer or other programmable data processing devices generate means for implementing the functions specified in Figure 1 one or more of the flows Figure 1 or multiple flows and / or blocks

[0150] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, such that the instructions stored in the computer-readable memory generate a manufactured article including instruction means that implement the functions specified in Figure 1 one or more of the flows Figure 1 or multiple flows and / or blocks

[0151] These computer program instructions can also be loaded onto a computer or other programmable data processing apparatus, so that a series of operation steps are executed on the computer or other programmable apparatus to produce a computer-implemented process, thereby providing instructions for implementing the steps of the function specified in one process or a plurality of processes and / or blocks Figure 1 one process or a plurality of processes and / or blocks Figure 1 in one block or a plurality of blocks.

[0152] In the present invention, specific embodiments are used to illustrate the principles and implementation manners of the present invention. The description of the above embodiments is only used to help understand the method and its core idea of the present invention; at the same time, for those of ordinary skill in the art, according to the idea of the present invention, there will be changes in the specific implementation manners and application scopes. In summary, the content of this specification should not be construed as a limitation to the present invention.

Claims

1. A reconciliation and settlement method for a wealth management service, characterized in that, The method includes: Obtaining the sales document and liquidation detail data of the transaction, and parsing the sales document and the liquidation detail data to obtain business payable data, business receivable data, business actual payment data, and business actual receipt data; According to a preset first reconciliation rule, performing associated reconciliation on the business receivable data and the business actual receipt data to obtain a first reconciliation result; If the first reconciliation result is that the reconciliation is passed, updating the ledger confirmation field corresponding to the transaction according to the first reconciliation result, and performing risk verification and automatic liquidation on the business payable data; According to a preset second reconciliation rule, performing associated reconciliation on the business payable data and the business actual payment data to obtain a second reconciliation result, and updating the ledger confirmation field corresponding to the transaction according to the second reconciliation result; Wherein, the performing risk verification and automatic liquidation on the business payable data includes: According to a preset verification rule, performing dual-channel verification and pre-automatic liquidation verification on the business payable data; wherein, the dual-channel verification is to use the instruction elements to be liquidated to reverse query the initial business payable data source, and the pre-automatic liquidation verification is to perform legalization verification on the elements on the instruction form before liquidation; After the dual-channel verification and pre-automatic liquidation verification are passed, using Quartz Job timing task technology to perform automatic liquidation on the business payable data.

2. The method according to claim 1, characterized in that, The parsing the sales document and the liquidation detail data to obtain business payable data, business receivable data, business actual payment data, and business actual receipt data includes: Performing text parsing on the sales document to obtain the business payable data and the business receivable data; Parsing and field identifying the liquidation detail data to obtain the business actual payment data and the business actual receipt data.

3. The method according to claim 1, characterized in that, The performing associated reconciliation on the business receivable data and the business actual receipt data according to a preset first reconciliation rule to obtain a first reconciliation result includes: Using Quartz Job timing task technology, performing associated reconciliation on the business receivable data and the business actual receipt data according to a preset first reconciliation rule to obtain a first reconciliation result.

4. A reconciliation and settlement device for a wealth management service, characterized in that, The device includes: A data parsing module, configured to obtain the sales document and the liquidation detail data of the transaction, and parse the sales document and the liquidation detail data to obtain business payable data, business receivable data, business actual payment data, and business actual receipt data; A first reconciliation module, configured to perform associated reconciliation on the business receivable data and the business actual receipt data according to a preset first reconciliation rule to obtain a first reconciliation result; An automatic liquidation module, configured to, if the first reconciliation result is that the reconciliation is passed, update the ledger confirmation field corresponding to the transaction according to the first reconciliation result, and perform risk verification and automatic liquidation on the business payable data; A second reconciliation module, configured to perform associated reconciliation on the business payable data and the business actual payment data according to a preset second reconciliation rule to obtain a second reconciliation result, and update the ledger confirmation field corresponding to the transaction according to the second reconciliation result; Wherein, the automatic liquidation module includes: A risk verification unit, configured to perform dual-channel verification and pre-verification of automatic clearing on the business payable data according to preset verification rules; wherein, the dual-channel verification is to use the instruction elements to be cleared to reverse-check the initial business payable data source, and the pre-verification of automatic clearing is to perform legalization verification on the elements on the instruction form before clearing; An automatic clearing unit, configured to perform automatic clearing on the business payable data by using the Quartz Job scheduling task technology after the dual-channel verification and the pre-verification of automatic clearing are passed.

5. The device according to claim 4, characterized in that, The data parsing module includes: A text parsing unit, configured to perform text parsing on the sales document to obtain the business payable data and the business receivable data; A field identification unit, configured to parse and identify fields of the clearing detail data to obtain the business actual payment data and the business actual receipt data.

6. The device according to claim 4, characterized in that, The first reconciliation module is further configured to perform associated reconciliation on the business receivable data and the business actual receipt data according to a preset first reconciliation rule by using the Quartz Job scheduling task technology to obtain a first reconciliation result.

7. An electronic device, comprising a memory, a processor, and a computer program stored on 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 3 is implemented.

8. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program for executing the method according to any one of claims 1 to 3.

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