Data Processing Method, Apparatus, Device, Medium and Computer Program Product

Abstract

The present application discloses a data processing method, apparatus, device, medium and computer program product. The method includes obtaining a first fund balance of an account with changed funds at a first-party institution and a second fund balance at a third-party institution, obtaining a third fund balance of each business department of the third-party institution at the first-party institution and a fourth fund balance at the third-party institution, obtaining the total balance of the third-party institution in the previous cycle of the second cycle and the total balance and total amount occurred in the second cycle, and according to the obtained various fund balances, verifying whether the settlement result of the account balance meets a first preset condition, verifying whether the settlement result of the balance of each business department meets a second preset condition, verifying whether the settlement result of the total balance of the third-party institution meets a third preset condition, and when all are yes, determining that the fund settlement passes, ensuring the fund safety of the account in the first-party institution and the account balance between the first-party institution and the third-party institution.

Description

Technical Field

[0001] This application belongs to the field of data processing, and particularly relates to a data processing method, apparatus, device, medium, and computer program product. Background Art

[0002] With the booming development of the financial market, the accounting data of the first-party institution is increasing day by day. The first-party institution is a system that processes transfer transactions between the second-party institution and the third-party institution, generates transaction accounting statements, and can realize the transfer of funds between the second-party institution and the third-party institution.

[0003] Since the first-party institution involves the funds of both the second-party institution and the third-party institution, to ensure the safe operation of the first-party institution, the issue of user fund security and the fund balance between the first-party institution and the third-party institution are extremely important. Therefore, there is an urgent need for a settlement method that can not only ensure the fund security of customers but also verify the fund balance between the first-party institution and the third-party institution. Summary of the Invention

[0004] Embodiments of this application provide a data processing method, apparatus, device, and computer storage medium, which can ensure the fund security of accounts in the first-party institution and also ensure the accounting balance between the first-party institution and the third-party institution.

[0005] In a first aspect, embodiments of this application provide a data processing method, which may include:

[0006] Obtain the first fund balance of an account with changed funds in the first-party institution, the second fund balance of the account in the third-party institution, the third fund balance of each business department in the third-party institution in the first-party institution, and the fourth fund balance in the third-party institution, the total balance of the third-party institution in the first period and the total balance and total transaction amount in the second period; the first period is the previous period of the second period;

[0007] According to the first fund balance and the second fund balance, verify whether the settlement result of the account balance meets a first preset condition to obtain a first verification result;

[0008] According to the third fund balance and the fourth fund balance, verify whether the settlement result of the balance of each business department meets a second preset condition to obtain a second verification result;

[0009] According to the sum of the total balance of the third-party institution in the first period and the total transaction amount in the second period and the total balance in the second period, verify whether the settlement result of the total balance of the third-party institution meets a third preset condition to obtain a third verification result;

[0010] When the first verification result, the second verification result, and the third verification result are all "yes", it is determined that the fund settlement is passed.

[0011] In one embodiment, the first preset condition is that the first fund balance is equal to the second fund balance; the second preset condition is that the third fund balance is equal to the fourth fund balance; the third preset condition is that the sum of the total balance of the third party institution in the first period and the total amount occurred in the second period is equal to the total balance in the second period. In one embodiment, the above-mentioned obtaining the first fund balance of the account with changed funds in the first party institution and the second fund balance of the account in the third party institution may include:

[0012] Obtaining the fund change amounts of multiple accounts with changed funds in the second party institution, the amounts occurred by the multiple accounts in the third party institution, and the fund balances of the multiple accounts in the third party institution;

[0013] Calculating the sum of the fund change amounts of the multiple accounts in the second party institution and the amounts occurred by the multiple accounts in the third party institution to obtain the first fund balance of the multiple accounts in the first party institution;

[0014] Obtaining the sum of the fund balances of the multiple accounts in the third party institution to obtain the second fund balance.

[0015] In one embodiment, the above-mentioned calculating the fund change amount of the account in the second party institution and the amount occurred by the account in the third party institution to obtain the first fund balance of the account with changed funds in the first party institution may include:

[0016] Calculating the sum of the fund change amount of each account in the second party institution and the amount occurred by each account in the third party institution for each account among the multiple accounts to obtain the fund balance of each account in the first party institution;

[0017] Calculating the difference between the fund balance of each account in the first party institution and the fund balance of each account in the third party institution for each account to obtain the difference of each account;

[0018] Calculating the sum of the total fund change amount of the multiple accounts in the second party institution, the total amount occurred by the multiple accounts in the third party institution, and the total difference of the multiple accounts to obtain the first fund balance of the account with changed funds in the first party institution.

[0019] In one embodiment, after the above-mentioned calculating the difference between the fund balance of each account in the first party institution and the fund balance of each account in the third party institution to obtain the difference of each account, the method may further include:

[0020] When the difference is not zero, register the account with a non - zero difference in the reconciliation imbalance table;

[0021] Send the reconciliation imbalance table to the third - party institution.

[0022] In one embodiment, the obtaining of the third fund balance of each business department in the third - party institution in the first - party institution and the fourth fund balance in the third - party institution may include:

[0023] Obtain the sum of the fund change amount of each business department in the third - party institution in the second - party institution and the transaction amount of each business department in the third - party institution to obtain the third fund balance; and

[0024] Obtain the sum of the fund balance of each business department of the third - party institution in the first - party institution in the first period and the transaction amount in the second period to obtain the fourth fund balance.

[0025] In one embodiment, the third preset condition that the sum of the total balance of the third - party institution in the first period and the total transaction amount in the second period is equal to the total balance in the second period may include:

[0026] The third preset condition is that the sum of the total balance of the third - party institution in the first period and the total transaction amount in the second period is equal to the sum of the true balance of the account and the provision balance of the third - party institution.

[0027] In a second aspect, an embodiment of the present application provides a data processing device, which may include:

[0028] An obtaining module, configured to obtain the first fund balance of an account with a changed fund in the first - party institution, the second fund balance of the account in the third - party institution, the third fund balance of each business department in the third - party institution in the first - party institution and the fourth fund balance in the third - party institution, the total balance of the third - party institution in the first period and the total balance and total transaction amount in the second period; the first period is the previous period of the second period;

[0029] A first verification module, configured to verify whether the settlement result of the account balance meets a first preset condition according to the first fund balance and the second fund balance, and obtain a first verification result;

[0030] A second verification module, configured to verify whether the settlement result of the balance of each business department meets a second preset condition according to the third fund balance and the fourth fund balance, and obtain a second verification result;

[0031] A third verification module, configured to verify whether the liquidation result of the total balance of the third-party institution meets a third preset condition according to the sum of the total balance of the third-party institution in the first period and the total occurrence amount in the second period, and the total balance in the second period, so as to obtain a third verification result;

[0032] A determination module, configured to determine that the fund liquidation is passed when the first verification result, the second verification result, and the third verification result are all yes.

[0033] In one embodiment, the above-mentioned acquisition module may include:

[0034] A first acquisition sub-module, configured to acquire the fund change amount of multiple accounts with changed funds in the second-party institution, the occurrence amount of the multiple accounts in the third-party institution, and the fund balance of the multiple accounts in the third-party institution;

[0035] A first calculation sub-module, configured to calculate the sum of the fund change amount of the multiple accounts in the second-party institution and the occurrence amount of the multiple accounts in the third-party institution, so as to obtain a first fund balance of the multiple accounts in the first-party institution;

[0036] A second acquisition sub-module, configured to acquire the sum of the fund balances of the multiple accounts in the third-party institution, so as to obtain the second fund balance.

[0037] In one embodiment, the first preset condition is that the first fund balance is equal to the second fund balance; the second preset condition is that the third fund balance is equal to the fourth fund balance; the third preset condition is that the sum of the total balance of the third-party institution in the first period and the total occurrence amount in the second period is equal to the total balance in the second period.

[0038] In one embodiment, the above-mentioned first calculation sub-module may include:

[0039] A first calculation sub-unit, configured to calculate the sum of the fund change amount of each account in the second-party institution and the occurrence amount of each account in the third-party institution, so as to obtain the fund balance of each account in the first-party institution;

[0040] A second calculation sub-unit, configured to calculate the difference between the fund balance of each account in the first-party institution and the fund balance of each account in the third-party institution, so as to obtain the difference of each account;

[0041] A third calculation sub-unit, configured to calculate the sum of the total fund change amount of the multiple accounts in the second-party institution, the total occurrence amount of the multiple accounts in the third-party institution, and the total difference of the multiple accounts, so as to obtain the first fund balance of the accounts with changed funds in the first-party institution.

[0042] In one embodiment, the apparatus may further include:

[0043] A registration module, configured to register the account with a non-zero difference in a reconciliation imbalance table when the difference is not zero;

[0044] A sending module, configured to send the reconciliation imbalance table to the third party institution.

[0045] In one embodiment, the obtaining module may include:

[0046] A third obtaining sub-module, configured to obtain the sum of the fund change amounts of each business department in the third party institution at the second party institution and the occurrence amounts of each business department in the third party institution, to obtain the third fund balance; and

[0047] A fourth obtaining sub-module, configured to obtain the sum of the fund balance of each business department in the third party institution in the first period and the occurrence amounts in the second period at the first party institution, to obtain the fourth fund balance.

[0048] In one embodiment, the third preset condition that the sum of the total balance of the third party institution in the first period and the total occurrence amounts in the second period is equal to the total balance in the second period may include:

[0049] The third preset condition is that the sum of the total balance of the third party institution in the first period and the total occurrence amounts in the second period is equal to the sum of the true balance of the account and the reserve fund balance of the third party institution.

[0050] In a third aspect, an embodiment of the present application provides a data processing device, including: a processor and a memory storing computer program instructions;

[0051] When the processor executes the computer program instructions, the data processing method described in the first aspect is implemented.

[0052] In a fourth aspect, an embodiment of the present application provides a computer storage medium, on which computer program instructions are stored, and when the computer program instructions are executed by a processor, the data processing method described in the first aspect is implemented.

[0053] In a fifth aspect, when the instructions in the computer program product are executed by a processor of an electronic device, the electronic device is caused to execute the data processing method described in the first aspect.

[0054] The data processing method, apparatus, equipment, medium and computer program product of the embodiments of the present application clear the funds of the accounts whose funds have changed in the first-party institution, and verify whether the clearing results of the first-party institution for the accounts whose funds have changed and the clearing results of the third-party institution for the accounts whose funds have changed meet the preset conditions. If the preset conditions are met, it is determined that the funds verification for the accounts has passed, thereby ensuring the security of the funds in the accounts in the first-party institution and the balance of funds in the accounts in the first-party institution and the accounts in the third-party institution; the first-party institution also clears the funds of various business departments in the third-party institution, and verifies whether the clearing results of the first-party institution for various business departments and the clearing results of the third-party institution for various business departments meet the preset conditions. If the preset conditions are met, it is determined that the funds for the business departments have passed. Verification passed; and in the first-party institution, the total balance of the third-party institution in the first period and the total amount of the second period are used to settle the total funds of the third-party institution, and verify whether the settlement result of the first-party institution for the total funds of the third-party institution and the settlement result of the third-party institution for the total funds meet the preset conditions. When the preset conditions are met, it is determined that the verification of the total funds of the third-party institution has passed. Further, when the funds verification of the account where the funds have changed, the funds verification of each business department, and the total funds verification of the third-party institution are all passed, it is determined that the funds settlement has passed. In this way, by verifying the funds in the account, the funds of each business department, and the total funds of the third-party institution, the funds security of the account in the first-party institution and the account balance between the first-party institution and the third-party institution can be guaranteed. BRIEF DESCRIPTION OF THE DRAWINGS

[0055] In order to more clearly illustrate the technical solution of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0056] Figure 1 It is a schematic diagram of an application scenario of a data processing method provided by an embodiment of the present application;

[0057] Figure 2 It is a flowchart of a data processing method provided by an embodiment of the present application;

[0058] Figure 3 is a structural schematic diagram of a data processing device provided by an embodiment of the present application;

[0059] Figure 4 It is a schematic diagram of the structure of an electronic device for data processing provided by an embodiment of the present application. DETAILED DESCRIPTION

[0060] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the objectives, technical solutions, and advantages of the present application clearer and more understandable, the present application will be further described in detail below in combination with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, rather than limiting the present application. For those skilled in the art, the present application can be implemented without some of these specific details. The following description of the embodiments is only intended to provide a better understanding of the present application by showing examples of the present application.

[0061] It should be noted that, in this document, relational terms such as first and second are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual relationship or order between these entities or operations. Moreover, the term "comprising", "including" or any other variant thereof is intended to cover a non-exclusive inclusion, such that a process, method, article or device comprising a series of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such process, method, article or device. Without further limitation, the elements defined by the statement "comprising..." do not exclude the presence of additional identical elements in the process, method, article or device comprising the said elements.

[0062] In addition, the acquisition, storage, use, processing, etc. of relevant data such as funds and finance in the technical solution of the present application all comply with the relevant regulations of national laws and regulations.

[0063] In the prior art, the first-party institution is a system for processing transfer transactions between the second-party institution and the third-party institution, and realizes the fund transfer between the second-party institution and the third-party institution through transactions that generate accounting transactions during the day; among them, the day transfer means that a user in the second-party institution signs a contract with the first-party institution, binds an asset card in the first-party institution, and transfers funds to a margin account opened in the third-party institution through the asset card, so that the third-party institution can use the funds in the margin account for transactions.

[0064] Therefore, the first-party institution involves the funds of both the second-party institution and the third-party institution. To ensure the safe operation of the first-party institution, the issues of user fund safety and accounting balance are extremely important. Therefore, there is an urgent need for a settlement method that can not only ensure the safety of customers' funds but also verify the fund balance between the first-party institution and the third-party institution.

[0065] To solve the problems in the prior art, the embodiments of the present application provide a data processing method, device, equipment, and computer storage medium. First, the data processing method provided by the embodiments of the present application will be introduced below.

[0066] Figure 1 It is a schematic diagram of an application scenario of a data processing method provided by an embodiment of the present application, including: a first-party institution 101, a third-party institution 102, and a second-party institution 103; among them, the third-party institution 102 is the institution for conducting transactions, and the transaction can be a stock transaction, and the second-party institution 103 is a financial institution that can deposit and withdraw funds.

[0067] The first-party institution 101 includes a ledger system, in which information such as basic account information, account balance, and account fund changes is recorded. For example, information such as account name, account transfer details, and account transaction amounts is recorded.

[0068] The first-party institution 101 also records the basic information of the third-party institution. For example, relevant information of the third-party institution such as the name of the third-party institution and information of each business department in the third-party institution is recorded.

[0069] Before the first-party institution conducts liquidation, it first conducts end-of-day reconciliation with the second-party institution. The first-party institution applies to the second-party institution for a host file, obtains a transaction file, and conducts the reconciliation operation; among them, the above transaction file at least includes: fund change information of the accounts with changed funds, and the accounts with changed funds at least include transfer accounts and interest settlement accounts.

[0070] After the first-party institution conducts end-of-day reconciliation with the second-party institution, it sends the above transaction file to the third-party institution, so that the third-party institution conducts reconciliation based on the transaction file, and after the reconciliation, sends a reconciliation file to the first-party institution.

[0071] After the first-party institution receives the reconciliation file sent by the third-party institution, it parses the reconciliation file to obtain a liquidation file and an interest settlement file, and based on the liquidation file and the interest settlement file, conducts fund liquidation, verifies the fund changes of each customer, the fund changes of each business department in the third-party institution, and the total fund changes of the third-party institution. In the case that all verifications are successful, it determines that the fund liquidation passes. The first-party institution ensures the fund safety of customers and the fund balance between the first-party institution and the third-party institution through liquidation, effectively guaranteeing the healthy and stable operation of the first-party institution.

[0072] Figure 2 It is a schematic flowchart of a data processing method provided by an embodiment of the present application. It should be noted that this data processing method can be applied to a data processing device, such as Figure 2 As shown, this data processing method may include the following steps:

[0073] S210. Obtain the first fund balance of the account with changed funds in the first-party institution, the second fund balance of the account in the third-party institution, the third fund balance of each business department in the third-party institution in the first-party institution, and the fourth fund balance in the third-party institution, the total balance of the third-party institution in the first period, the total balance and total transaction amount of the second period; the first period is the previous period of the second period.

[0074] S220. According to the first fund balance and the second fund balance, verify whether the settlement result of the account balance meets the first preset condition to obtain the first verification result.

[0075] S230. According to the third fund balance and the fourth fund balance, verify whether the settlement result of the balance of each business department meets the second preset condition to obtain the second verification result.

[0076] S240. According to the sum of the total balance of the third-party institution in the first period and the total transaction amount of the second period and the total balance of the second period, verify whether the settlement result of the total balance of the third-party institution meets the third preset condition to obtain the third verification result.

[0077] S250. When the first verification result, the second verification result, and the third verification result are all "yes", determine that the fund settlement is passed.

[0078] Thus, by clearing the funds of the accounts with changed funds in the first-party institution and verifying whether the clearing result of the first-party institution for the accounts with changed funds meets the preset conditions compared with the clearing result of the third-party institution for the accounts with changed funds, when the preset conditions are met, it is determined that the fund verification for the accounts passes, ensuring the safety of the funds in the accounts of the first-party institution and ensuring the fund balance between the accounts in the first-party institution and the accounts in the third-party institution; also clearing the funds of each business department in the third-party institution by the first-party institution and verifying whether the clearing result of the first-party institution for each business department meets the preset conditions compared with the clearing result of the third-party institution for each business department, and when the preset conditions are met, it is determined that the fund verification for the business department passes; and clearing the total funds of the third-party institution by the first-party institution using the total balance of the third-party institution in the first period and the total amount of transactions in the second period, and verifying whether the clearing result of the first-party institution for the total funds of the third-party institution meets the preset conditions compared with the clearing result of the third-party institution for the total funds, and when the preset conditions are met, it is determined that the fund verification for the total funds of the third-party institution passes. Further, only when the fund verifications for the accounts with changed funds, for each business department, and for the total funds of the third-party institution all pass, is it determined that the fund clearing passes. In this way, by verifying the funds of the accounts, the funds of each business department, and the total funds of the third-party institution, it is possible to ensure both the safety of the funds in the accounts of the first-party institution and the accounting balance between the first-party institution and the third-party institution.

[0079] Among them, the above first preset condition is that the first fund balance is equal to the second fund balance; the above second preset condition is that the third fund balance is equal to the fourth fund balance; the above third preset condition is that the sum of the total balance of the third-party institution in the first period and the total amount of transactions in the second period is equal to the total balance in the second period.

[0080] Regarding S210, clear each account with changed funds in the first-party institution, and then clear all the accounts with changed funds recorded in the ledger to obtain the clearing result, that is, the total ledger balance, which is also the first fund balance, and obtain the second fund balance of the account in the third-party institution; and clear the current balance of each business department in the third-party institution in the first-party institution to obtain the third fund balance, and obtain the actual balance of each business department in the third-party institution, that is, the fourth fund balance; and obtain the sum of the total balance of the third-party institution in the first period and the total amount of transactions in the second period, and obtain the total balance of the third-party institution in the second period, where the first period is the previous period of the second period.

[0081] In some embodiments, in the above S210, obtaining the first fund balance of the account with changed funds in the first-party institution and the second fund balance of the account in the third-party institution may specifically include:

[0082] Obtaining the fund change amounts of multiple accounts with changed funds in the second-party institution, the transaction amounts of the multiple accounts in the third-party institution, and the fund balances of the multiple accounts in the third-party institution;

[0083] Calculating the fund change amounts of the multiple accounts in the second-party institution and the transaction amounts of the multiple accounts in the third-party institution to obtain the first fund balance of the multiple accounts in the first-party institution;

[0084] Obtaining the sum of the fund balances of the multiple accounts in the third-party institution to obtain the second fund balance.

[0085] Specifically, since the ledger of the first-party institution records the fund details of all customers who have signed contracts with the first-party institution, before verifying whether the total ledger balance (i.e., the first fund balance) of the first-party institution is equal to the total account balance (i.e., the second fund balance) of the third-party institution, it is necessary to obtain the fund change amounts of multiple accounts with changed funds in the second-party institution, the transaction amounts of the multiple accounts in the third-party institution, and the fund balances of the multiple accounts in the third-party institution.

[0086] In an example, a customer signs a contract with the first-party institution and needs to bind an asset card in the first-party institution. This asset card is used to store and withdraw funds. At the same time, a margin account is set up for the customer in the third-party institution. The customer transfers money from the asset card bound in the first-party institution to the margin account, and the transfer amount is the balance of the margin account. Then, the balance of the margin account is used for transactions to generate transaction amounts. At the same time, the customer also has an account corresponding to the margin account in the first-party institution, and the balance of this account changes with the balance of the margin account and is the real-time balance of the customer in the first-party institution. The account with changed funds refers to the account that conducts transactions in the third-party institution, that is, the account that generates transaction amounts.

[0087] After counting all users with changed funds, obtain the fund change amounts (i.e., the transfer amounts from the asset card to the margin account) of multiple accounts with changed funds in the second-party institution, the transaction amounts (i.e., the transaction amounts) of the multiple accounts in the third-party institution, and the fund balances (i.e., the fund balances obtained after the third-party institution clears the transactions) of the multiple accounts in the third-party institution.

[0088] Calculating the fund change amounts of the multiple accounts in the second-party institution and the transaction amounts of the multiple accounts in the third-party institution to obtain the first fund balance of the multiple accounts in the first-party institution, that is, the total ledger balance.

[0089] Calculate the sum of the fund balances of multiple accounts in a third-party institution to obtain a second fund balance, that is, the total balance in the third-party institution.

[0090] Then, verify whether the total balance of the ledger in the first-party institution is equal to the total balance in the third-party institution.

[0091] In this way, by clearing the accounts with changed funds in the first-party institution, and then verifying whether the total balance of the ledger system in the first-party institution that records the accounts with changed funds is equal to the total balance of the accounts statistically calculated by the third-party institution. That is, by verifying the fund changes of the accounts, the fund security of each customer is ensured, and by verifying the balance between the total balance of the ledger and the total balance of the accounts statistically calculated by the third-party institution, the accounting balance among the first-party institution, the third-party institution, and the second-party institution is ensured.

[0092] In some embodiments, calculating the amount of fund changes of an account in the second-party institution and the amount of transactions of the account in the third-party institution to obtain the first fund balance of the account with changed funds in the first-party institution may specifically include:

[0093] Calculate the sum of the amount of fund changes of each account in multiple accounts in the second-party institution and the amount of transactions of each account in the third-party institution to obtain the fund balance of each account in the first-party institution;

[0094] Calculate the difference between the fund balance of each account in the first-party institution and the fund balance of each account in the third-party institution to obtain the difference of each account;

[0095] Calculate the sum of the total amount of fund changes of multiple accounts in the second-party institution, the total amount of transactions of multiple accounts in the third-party institution, and the total difference of multiple accounts to obtain the first fund balance of the account with changed funds in the first-party institution.

[0096] Specifically, since the fund details of each user are recorded in the ledger, before verifying whether the total balance of the ledger in the first-party institution is equal to the total balance of the third-party institution, it is necessary to verify the funds of each user with changed funds, specifically including:

[0097] The first-party institution needs to reconcile accounts with the second-party institution to obtain information such as all the accounts with changed funds recorded by the second-party institution (i.e., the accounts transferred by the second-party institution to the third-party institution) and the transfer amounts; the first-party institution also needs to receive the reconciliation file sent by the third-party institution, and the reconciliation file includes information such as the accounts with changed funds statistically calculated by the third-party institution, the total balance statistically calculated by the third-party institution, and the transaction amounts.

[0098] Then, the first-party institution conducts liquidation on each account with changed funds respectively, and verifies whether the balance of the account in the first-party institution is equal to the balance of the account in the third-party institution;

[0099] If so, conduct liquidation on the next account; if not, register the reconciliation imbalance form, record the difference between the balance of the account in the first-party institution and the balance of the account in the third-party institution. After conducting liquidation on all accounts, count the reconciliation imbalance form to obtain the total difference of all accounts with changed funds. If the total difference is not zero, it means that there is a situation where the funds of individual accounts are unbalanced when verifying whether the funds of each account are balanced.

[0100] After counting all accounts with changed funds, verify whether the total balance of the ledger in the first-party institution is equal to the total balance of the third-party institution. Specifically, the total balance of the ledger in the first-party institution is equal to the total balance of the second-party institution (that is, after reconciling the first-party institution and the second-party institution, obtain the total change amount of funds of multiple accounts in the second-party institution, calculate the sum of the total change amount of funds of multiple accounts in the second-party institution, the total occurrence amount of multiple accounts in the third-party institution (i.e., the transaction occurrence amount), and the above total difference of multiple accounts to obtain the first fund balance of the accounts with changed funds in the first-party institution.

[0101] In an example, assume that the total occurrence amount of the third-party institution is 0, the total balance of the third-party institution is 100, the balance of account A in the third-party institution is 50, the total balance of the ledger is 110, and the balance of account A in the ledger is 40. Then, the total balance of the third-party institution 100 (i.e., the second fund balance) is equal to the sum of the total balance of the ledger 110, the total occurrence amount of the third-party institution 0, and the total difference 10 (i.e., the first fund balance). Thus, it can be seen that although there are discrepancies in the balances of individual accounts, the first fund balance is equal to the second fund balance, and the liquidation is considered to pass (i.e., the total balance of our ledger is balanced with the total balance of the third-party institution). If they are not equal, the third-party institution shall resend the reconciliation file.

[0102] In an example, update the reconciliation flag with the third-party institution to in progress and the liquidation flag with the third-party institution to in progress according to the date, the third-party institution number, and the reconciliation completion flag with the third-party institution, and clear the previous reconciliation data liquidation to ensure that the reconciliation liquidation can be initiated repeatedly.

[0103] Obtain the currency information in the first-party institution and obtain the business department information of the third-party institution. Obtain the number of records in the temporary settlement table of the third-party institution's margin account according to the date and the third-party institution number (for example, the temporary settlement table of the third-party institution's margin account stores the information of ten accounts with changes in funds, and the number of records is ten). Query the temporary settlement table of the third-party institution's margin account and the account balance table by associating the margin account and the currency to check whether there are records of margin accounts in the first-party institution that have not been processed, that is, have not been settled; in the case of yes, calculate whether the balance of the margin account (that is, the sum of the transfer amount of the second-party institution and the transaction amount of the third-party institution) is less than 0, and query whether the third-party institution allows redrawing (that is, whether overdraft is allowed); in the case of no, update the reconciliation and settlement status table of the third-party institution to the reconciliation flag, and the settlement flag to the initial state. In the case of yes, check whether the account status is normal or reported lost; in the case of reported lost, update the reconciliation and settlement status table of the third-party institution to the reconciliation flag, and the settlement flag to the initial state. In the case of normal, check whether the balance of the account in the first-party institution is not equal to the balance of the account in the third-party institution and the account is not in the closed state; calculate whether the difference between the balance and the balance of the third-party institution is 0; query the transfer amount on the day according to the date, margin account number, and currency, and if there is no record, the transfer amount is 0; register the above-mentioned transfer amount, the difference between the balance and the balance of the third-party institution in the margin account and the reconciliation uneven table between the first-party institution and the third-party institution, and count all the accounts with changes in funds. For each account counted, the first-party institution makes a record, and the number of records in the first-party institution is the number of accounts with changes in funds counted by the first-party institution.

[0104] Compare whether the number of records of the third-party institution is equal to the number of records of the first-party institution. In the case of no, update the reconciliation and settlement status table of the third-party institution to the reconciliation flag, and the settlement flag to the initial state. In the case of yes, use the margin account settlement table generated during the accounting check of the second-party institution (that is, the in-house reconciliation between the first-party institution and the second-party institution). The margin account settlement table stores the accounts with changes in funds, including transfer and interest settlement accounts, and compare it with the temporary settlement table of the third-party institution's margin account that stores the details in the third-party institution's settlement file. Insert the records that exist in the second-party institution but not in the third-party institution (that is, the number of accounts is the same, but the accounts are different) into the reconciliation uneven table between the margin account and the third-party institution.

[0105] Obtain the total balance of the third party (i.e., the second fund balance) of all margin accounts of the third party by querying the summary table of the liquidation fund balance of the third party institution (the total balance from the liquidation documents of the third party institution); and calculate the total fund change amount of multiple accounts in the second party institution. Specifically, it is the total balance of each business department in the balance statistics table of the third party institution business department (generated during in-bank reconciliation, including transfers and single-account interest settlement) and the amount after the netting of the third party institution in the single-account interest settlement offset and correction table (with positive and negative values).

[0106] Calculate the total amount of multiple accounts in the third party institution. Specifically, obtain the total amount of the third party institution (with positive and negative values) by calculating the netting difference of the amounts of all records in the temporary table for the third party institution margin liquidation (detailed records in the third party institution liquidation documents).

[0107] Calculate the sum of the total differences of multiple accounts. Specifically, obtain the total difference (with positive and negative values) by counting the unbalanced netting differences of all records in the reconciliation imbalance table between the margin account and the third party institution. Additionally, it is possible to determine whether to send a reconciliation file on behalf of the third party institution, and in the case of yes, verify the total balance.

[0108] Calculate the total fund change amount of the above-mentioned multiple accounts in the second party institution, the total amount of the above-mentioned multiple accounts in the third party institution, and the sum of the total differences of the above-mentioned multiple accounts to obtain the first fund balance of the accounts with changed funds in the first party institution.

[0109] Calculate whether the first fund balance is equal to the second fund balance. In the case of not being equal, calculate the difference between the first fund balance and the second fund balance, register the difference in the reconciliation total balance imbalance table between the margin account and the third party institution, and update the third party institution reconciliation liquidation status table with a reconciliation flag and an initial liquidation flag, thereby enabling the third party institution to reconcile again.

[0110] In this way, by liquidating each account with changed funds in the first party institution, it is further verified whether the total balance in the ledger system of each account with changed funds recorded in the first party institution is equal to the total account balance statistically by the third party institution. That is, by verifying the fund changes of each account, the fund security of each customer is ensured, and by verifying the balance between the total ledger balance and the total account balance statistically by the third party institution, the accounting balance of the first party institution, the third party institution, and the second party institution is ensured.

[0111] In some embodiments, to further ensure the fund security of customers, after calculating the difference between the fund balance of each account in the first party institution and the fund balance of each account in the third party institution to obtain the difference of each account, the data processing method may further include:

[0112] In the case where the difference is not zero, register the accounts with a non-zero difference in the reconciliation imbalance table;

[0113] Send the reconciliation imbalance table to a third-party institution.

[0114] In this way, by verifying the fund changes of each account, recording the accounts where the settlement results of the first-party institution do not match those of the third-party institution, and sending the inconsistent settlement results to the third-party institution for the third-party institution to find problems, the fund security of each customer is guaranteed.

[0115] In some embodiments, in the above S210, obtaining the third fund balance of each business department in the third-party institution in the first-party institution and the fourth fund balance in the third-party institution may specifically include:

[0116] Obtain the sum of the fund change amount of each business department in the third-party institution in the second-party institution and the occurrence amount of each business department in the third-party institution to obtain the third fund balance; and

[0117] Obtain the sum of the fund balance of the first cycle and the occurrence amount of the second cycle of each business department of the third-party institution in the first-party institution to obtain the fourth fund balance.

[0118] Settle the funds of each business department in the third-party institution respectively, and calculate whether the sum of the balance of the business department in the first cycle (i.e., how much money the business department has left in the first cycle) and the occurrence amount of the business department in the second cycle today (i.e., the sum of the money transferred from the second-party institution to the business department in the second cycle and the transaction occurrence amount of the business department today) is equal to the sum of the balance of the business department in the second-party institution (i.e., the fund change amount of each business department in the third-party institution in the second-party institution) and the occurrence amount of the business department (i.e., the occurrence amount of each business department in the third-party institution) (i.e., the current balance of the business department in the first-party institution, i.e., the third fund balance). If not, the third-party institution shall resend the reconciliation file.

[0119] If so, when the current balance of each business department in the first-party institution is equal to the fourth fund balance, register the current balance of the business department in the balance summary table of the business department of the third-party institution. When the current balance is not equal to the fourth fund balance, the third-party institution shall resend the reconciliation file.

[0120] In one example, query whether a third-party institution cancels settlement; if so, assign the balance values and transaction amounts in the balance summary table of the third-party institution's business department to 0; if not, loop through each business department; check whether there are unprocessed business departments; calculate the sum of the balance of the business department yesterday and the transaction amount today (i.e., the sum of the balance of the business department in the first cycle and the transaction amount of the business department in the second cycle today). Specifically, query the balance summary table of the third-party institution's business department to obtain the balance information of the third-party institution's business department on the previous day, and query the transaction amount statistical table of the business department according to the date, third-party institution number, business department number, currency, and transaction type, and summarize the total number of records, debit transaction amount, number of debit records, credit transaction amount, number of credit records, and the total transaction amount of the business department (with positive and negative values) to obtain the transaction amount today; set the debit and credit direction of the total transaction amount according to the positive and negative of the total transaction amount of the business department, where negative is debit and positive is credit.

[0121] Then calculate the current balance of the business department (i.e., the current balance of the business department in the first-party institution, which is also the third-party fund balance). Specifically, calculate the sum of the balance of the business department (including transfers and single-account interest settlement) in the balance statistical table of the third-party institution's business department and the transaction amount in the single-account interest settlement offset and adjustment positive and negative table of the business department, and then obtain the transaction amount of the business department (with positive and negative values, which is the transaction amount) according to the difference in the transaction amount of the business department in the temporary table for margin clearing of the third-party institution (detailed records in the third-party institution's clearing file), and sum them up to obtain the third-party fund balance.

[0122] Furthermore, judge whether the current balance of the business department is equal to the sum of the balance of the business department yesterday and the total transaction amount of the business department on the current day. If not, update the reconciliation and clearing status table of the third-party institution to the reconciliation flag, and the clearing flag to the initial state. If so, set the balance yesterday as the current balance, set the actual balance of the account yesterday as the current account balance, set the current balance as the total balance of the third-party institution's business department calculated above, and then set the current actual balance of the account as the sum of the current actual balance of the account and the transaction amount of the third-party institution's business department on the current day.

[0123] Calculate the account transaction amount and debit / credit flag. Assign the account transaction amount to the total transaction amount of the business department on the current day; judge whether the actual balance of the account yesterday is greater than the calculated actual balance of the account today; if so, set the debit / credit flag for the actual balance of the account after the difference calculation to debit, if not, set the debit / credit flag for the actual balance of the account after the difference calculation to credit; and judge whether the current balance is equal to the actual balance of the account. If not, update the reconciliation and clearing status table of the third-party institution to the reconciliation flag, and the clearing flag to the initial state. If so, take the absolute value of the transaction amount of the business department, take the absolute value of the excess reserve transaction amount of the business department, and set the debit / credit flag for the deposit by the third-party institution's custody to credit; and register the calculated current balance of the business department in the balance summary table of the third-party institution's business department.

[0124] In this way, by clearing the funds of each business department in the third-party institution, the account balance of each business department is ensured.

[0125] It involves S220. S220 corresponds to the first verification method. Specifically, before verification, first clear the accounts with changed funds in the first-party institution, and then clear all the accounts with changed funds recorded in the ledger to obtain the clearing result for the account balance, that is, the total ledger balance, which is also the first fund balance. Then, based on the first fund balance and the second fund balance, verify whether the clearing result of the account balance meets the first preset condition to obtain the first verification result, that is, verify whether the total account balance (i.e., the second fund balance) counted by the third-party institution for all accounts with changed funds is equal to the total ledger balance (i.e., the first fund balance) of the first-party institution. Among them, the details of the fund changes of each account are recorded in the ledger of the first-party institution.

[0126] It involves S230. S230 corresponds to the second verification method. Specifically, based on the third fund balance and the fourth fund balance, verify whether the clearing result of the balance of each business department meets the second preset condition to obtain the second verification result, that is, respectively verify whether the current balance of each business department in the third-party institution in the first-party institution (i.e., the third fund balance, which is also the clearing result of the balance of each business department in the first-party institution) is equal to the actual balance of each business department in the third-party institution (i.e., the fourth fund balance, which is also the clearing result of the balance of each business department in the third-party institution). Among them, the current balance of each business department in the first-party institution is calculated based on the fund balance of each business department in the first-party institution in the previous period.

[0127] It involves S240. S240 corresponds to the third verification method. Specifically, based on the sum of the total balance of the third-party institution in the first period and the total occurrence amount in the second period and the total balance in the second period, verify whether the clearing result of the total balance of the third-party institution meets the third preset condition to obtain the third verification result, that is, calculate whether the sum of the total balance of the third-party institution in the first period (i.e., the total account balance in the first period) and the total occurrence amount in the second period (i.e., the total transaction occurrence amount in the second period) (i.e., the clearing result of the total balance of the third-party institution in the first-party institution) is equal to the total balance in the second period (i.e., the total account balance in the second period, which is also the clearing result of the total balance of the third-party institution in the third-party institution). Among them, the first period is the previous period of the second period, and calculate whether the total balance of the third-party institution is equal to the sum of the actual account balance and the excess reserve balance. Among them, the total balance of the third-party institution is calculated based on the total balance of the first-party institution in the previous period.

[0128] It should be noted that the above S220, the above S230, and the above S240 are not limited to the execution order, and any execution order is acceptable; for example, S220, S230, and S240 are executed in sequence; another example is to execute S230 first, then execute S240, and finally execute S220; still another example is to execute S240 first, then execute S230, and finally execute S220.

[0129] In some embodiments, the above third preset condition is that the sum of the total balance of the third party institution in the first period and the total occurrence amount in the second period is equal to the total balance in the second period. Therefore, verifying whether the sum of the total balance of the third party institution in the first period and the total occurrence amount in the second period is equal to the total balance in the second period to obtain the third verification result may include:

[0130] Verifying whether the sum of the total balance of the third party institution in the first period and the total occurrence amount in the second period is equal to the sum of the true balance of the account and the reserve fund balance of the third party institution to obtain the third verification result.

[0131] In an example, query the business department information of the third party institution; if it exists, determine whether the third party institution cancels the settlement. If so, assign the balance values and occurrence amount values in the summary account information table of the third party institution to 0; if not, query the previous day's balances in the summary account information table of the third party institution; query the credit and debit totals, total occurrence amounts, total balance information, and record number information of the third party institution from the balance summary table of the business department of the third party institution; if the record number is 0, set the total debit and credit occurrence amounts to 0; if the record number is not 0, query the reserve fund adjustment information table, and count the total debit occurrence amount of the reserve fund with the statistical type of reserve fund adjustment, internal transfer turning red, settlement turning red, debit flag of debit, and status of completed; and count the total credit occurrence amount of the reserve fund with the statistical type of reserve fund adjustment, internal transfer turning red, settlement turning red, debit flag of credit, and status of completed.

[0132] Assign the previous day's balance to the current balance, assign the previous day's true account balance to the current true account balance, and assign the previous day's reserve fund balance to the current reserve fund balance; determine whether the total debit occurrence amount is greater than the total credit occurrence amount; if so, set the debit and credit flag of the occurrence amount to debit; if not, set the debit and credit flag of the occurrence amount to credit; determine whether the total debit occurrence amount of the reserve fund is greater than the total credit occurrence amount of the reserve fund; if so, set the debit and credit flag of the reserve fund to debit; if not, set the debit and credit flag of the reserve fund to credit; then calculate the occurrence amount, that is, the absolute value of the difference between the debit occurrence amount and the credit occurrence amount; calculate the reserve fund occurrence amount, that is, the absolute value of the difference between the debit occurrence amount of the reserve fund and the credit occurrence amount of the reserve fund; calculate the reconciliation difference of the true account balance, that is, debit occurrence amount + credit occurrence amount of the reserve fund - credit occurrence amount - debit occurrence amount of the reserve fund.

[0133] Further, determine whether the net difference of the actual account balance is greater than 0; if so, mark the debit / credit of the actual account balance as debit; if not, mark the debit / credit of the actual account balance as credit; and assign the current actual account balance as the current actual account balance + debit amount of provision funds - credit amount of provision funds + credit amount - debit amount; assign the current balance of provision funds as the current balance of provision funds + credit amount of provision funds - debit amount of provision funds; take the absolute value of the net difference of the actual account balance; set the debit / credit flag of the third-party institution's custody as credit; if the debit / credit flag of the transaction amount is debit, the difference = 0 - transaction amount; if the debit / credit flag of the transaction amount is credit, the difference = transaction amount; determine whether the balance of the third-party institution is less than 0, if so, update the reconciliation and settlement status table of the third-party institution to the reconciliation flag, and the settlement flag to the initial state. If not, determine whether the sum of the balance of the third-party institution yesterday and the difference is equal to the balance today, if not, update the reconciliation and settlement status table of the third-party institution to the reconciliation flag, and the settlement flag to the initial state. If so, determine whether the balance of the third-party institution is equal to the sum of the balance of provision funds and the actual account balance, if not, update the reconciliation and settlement status table of the third-party institution to the reconciliation flag, and the settlement flag to the initial state. If so, assign the actual account balance as the difference between the balance of the third-party institution and the balance of provision funds; calculate the difference between the actual account balance and the above transaction amount according to the date, the first-level bank number, the third-party institution number, and the total transaction amount (with positive and negative) in the currency statistical accounting information table for transaction settlement accounting, to obtain the reconciled balance; register the obtained balance and transaction amount data in the third-party institution summary account information table.

[0134] In this way, by clearing the total fund balance in the third-party institution, the accounting balance of the total fund balance of the third-party institution in the first-party institution is ensured.

[0135] Based on the same inventive concept, an embodiment of the present application also provides a data processing device. The following combines Figure 3 to describe in detail the data processing device provided in the embodiment of the present application.

[0136] Figure 3 is a schematic structural diagram of a data processing device provided in an embodiment of the present application.

[0137] As Figure 3 shown, the data processing device may include:

[0138] An acquisition module 301 is configured to acquire the first fund balance of an account with changed funds in a first-party institution, the second fund balance of the account in a third-party institution, the third fund balance of each business department in the third-party institution in the first-party institution, and the fourth fund balance in the third-party institution, the total balance of the third-party institution in a first period and the total balance and total occurrence amount in a second period; the first period is the previous period of the second period.

[0139] A first verification module 302 is configured to verify whether the liquidation result of the account balance meets a first preset condition according to the first fund balance and the second fund balance, and obtain a first verification result.

[0140] A second verification module 303 is configured to verify whether the liquidation result of the balance of each business department meets a second preset condition according to the third fund balance and the fourth fund balance, and obtain a second verification result.

[0141] A third verification module 304 is configured to verify whether the liquidation result of the total balance of the third-party institution meets a third preset condition according to the sum of the total balance of the third-party institution in the first period and the total occurrence amount in the second period and the total balance in the second period, and obtain a third verification result.

[0142] A determination module 305 is configured to determine that the fund liquidation is passed when the first verification result, the second verification result, and the third verification result are all "yes".

[0143] In some embodiments, the first preset condition is that the first fund balance is equal to the second fund balance; the second preset condition is that the third fund balance is equal to the fourth fund balance; the third preset condition is that the sum of the total balance of the third-party institution in the first period and the total occurrence amount in the second period is equal to the total balance in the second period.

[0144] In some embodiments, the above-mentioned acquisition module 301 may include:

[0145] A first acquisition sub-module is configured to acquire the fund change amount of multiple accounts with changed funds in a second-party institution, the occurrence amount of the multiple accounts in a third-party institution, and the fund balance of the multiple accounts in the third-party institution.

[0146] A first calculation sub-module is configured to calculate the fund change amount of the multiple accounts in the second-party institution and the occurrence amount of the multiple accounts in the third-party institution, and obtain the first fund balance of the multiple accounts in the first-party institution.

[0147] A second acquisition sub-module, configured to acquire the sum of the fund balances of the multiple accounts in a third party institution to obtain the second fund balance.

[0148] In some embodiments, the above first calculation sub-module may include:

[0149] A first calculation sub-unit, configured to calculate the sum of the fund change amount of each account in the multiple accounts in a second party institution and the occurrence amount of each account in the third party institution to obtain the fund balance of each account in a first party institution;

[0150] A second calculation sub-unit, configured to calculate the difference between the fund balance of each account in the first party institution and the fund balance of each account in the third party institution to obtain the difference of each account;

[0151] A third calculation sub-unit, configured to calculate the sum of the total fund change amount of the multiple accounts in the second party institution, the total occurrence amount of the multiple accounts in the third party institution, and the total difference of the multiple accounts to obtain the first fund balance of the accounts with changed funds in the first party institution.

[0152] In some embodiments, the apparatus may further include:

[0153] A registration module, configured to register the accounts with non-zero differences in a reconciliation imbalance table when the difference is not zero;

[0154] A sending module, configured to send the reconciliation imbalance table to the third party institution.

[0155] In some embodiments, the above acquisition module 301 may specifically include:

[0156] A third acquisition sub-module, configured to acquire the sum of the fund change amount of each business department in the third party institution in the second party institution and the occurrence amount of each business department in the third party institution to obtain the third fund balance; and

[0157] A fourth acquisition sub-module, configured to acquire the sum of the fund balance of the first period and the occurrence amount of the second period of each business department of the third party institution in the first party institution to obtain the fourth fund balance.

[0158] In some embodiments, the third preset condition that the sum of the total balance of the third party institution in the first period and the total occurrence amount of the second period is equal to the total balance of the second period includes:

[0159] The third preset condition is that the sum of the total balance of the third party institution in the first period and the total occurrence amount of the second period is equal to the sum of the true balance of the account and the reserve fund balance of the third party institution.

[0160] Figure 4 This is a schematic structural diagram of an electronic device for data processing provided by an embodiment of the present application.

[0161] As Figure 4 shown, the electronic device 4 can implement a structural diagram of an exemplary hardware architecture of an electronic device according to the data processing method and data processing device in the embodiments of the present application. The electronic device may refer to the electronic device in the embodiments of the present application.

[0162] The electronic device 4 may include a processor 401 and a memory 402 storing computer program instructions.

[0163] Specifically, the above-mentioned processor 401 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or one or more integrated circuits configured to implement the embodiments of the present application.

[0164] The memory 402 may include a mass storage for data or instructions. By way of example and not limitation, the memory 402 may include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive or a combination of two or more of these. In a suitable case, the memory 402 may include removable or non-removable (or fixed) media. In a suitable case, the memory 402 may be inside or outside the integrated gateway disaster recovery device. In a particular embodiment, the memory 402 is a non-volatile solid state memory. In a particular embodiment, the memory 402 may include a read-only memory (ROM), a random access memory (RAM), a magnetic disk storage media device, an optical storage media device, a flash memory device, an electrical, optical, or other physical / tangible memory storage device. Thus, generally, the memory 402 includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to one aspect of the present application.

[0165] The processor 401 reads and executes the computer program instructions stored in the memory 402 to implement any one of the data processing methods in the above embodiments.

[0166] In one example, the electronic device may further include a communication interface 403 and a bus 404. Among them, as Figure 4As shown, a processor 401, a memory 402, and a communication interface 403 are connected via a bus 404 and complete communication with each other.

[0167] The communication interface 403 is mainly used to implement communication between various modules, devices, units, and / or equipment in the embodiments of the present application.

[0168] The bus 404 includes hardware, software, or both, and couples the components of the electronic device to each other. By way of example and not limitation, the bus may include an Accelerated Graphics Port (AGP) or other graphics bus, an Extended Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an InfiniBand interconnect, a Low Pin Count (LPC) bus, a memory bus, a MicroChannel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local (VLB) bus, or other suitable buses or a combination of two or more of these. In suitable cases, the bus 404 may include one or more buses. Although the embodiments of the present application describe and illustrate specific buses, the present application contemplates any suitable bus or interconnect.

[0169] The electronic device can execute the data processing method in the embodiments of the present application, thereby implementing the data processing method and apparatus in combination with Figures 1 to 3 the data processing method and apparatus described.

[0170] In addition, in combination with the data processing method in the above embodiments, the embodiments of the present application can be implemented by providing a computer storage medium. Computer program instructions are stored on the computer storage medium; when the computer program instructions are executed by a processor, any one of the data processing methods in the above embodiments is implemented.

[0171] It should be clear that the present application is not limited to the specific configurations and processes described above and shown in the figures. For the sake of brevity, detailed descriptions of known methods are omitted here. In the above embodiments, several specific steps are described and illustrated as examples. However, the method process of the present application is not limited to the specific steps described and illustrated, and those skilled in the art can make various changes, modifications, and additions, or change the order between steps after understanding the spirit of the present application.

[0172] The functional blocks shown in the above-described structural block diagrams can be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, it can be, for example, an electronic circuit, an application-specific integrated circuit (ASIC), appropriate firmware, a plug-in, a function card, and so on. When implemented in software, the elements of the present application are programs or code segments used to perform the required tasks. The program or code segment can be stored in a machine-readable medium or transmitted via a data signal carried in a carrier wave over a transmission medium or a communication link. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical discs, hard disks, fiber optic media, radio frequency (RF) links, and so on. The code segment can be downloaded via a computer network such as the Internet, an intranet, and so on.

[0173] It should also be noted that in the exemplary embodiments mentioned in the present application, some methods or systems are described based on a series of steps or devices. However, the present application is not limited to the order of the above steps, that is, the steps can be executed in the order mentioned in the embodiments, or different from the order in the embodiments, or several steps can be executed simultaneously.

[0174] Aspects of the present application have been described above with reference to the flowcharts and / or block diagrams of methods, apparatuses (systems), and computer program products according to embodiments of the present application. It should be understood that each block in the flowcharts and / or block diagrams, and the combinations of blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing devices to produce a machine, such that the instructions executed by the processor of the computer or other programmable data processing devices enable the implementation of the functions / actions specified in one or more blocks of the flowcharts and / or block diagrams. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field-programmable logic circuit. It can also be understood that each block in the block diagrams and / or flowcharts, and the combinations of blocks in the block diagrams and / or flowcharts, can also be implemented by dedicated hardware performing the specified functions or actions, or by a combination of dedicated hardware and computer instructions.

[0175] As described above, this is only the specific implementation manner of the present application. Those skilled in the art can clearly understand that for the convenience and brevity of description, the specific working processes of the systems, modules, and units described above can refer to the corresponding processes in the foregoing method embodiments, and will not be elaborated herein. It should be understood that the protection scope of the present application is not limited thereto. Any person skilled in the art within the technical scope disclosed by the present application can easily think of various equivalent modifications or substitutions, and these modifications or substitutions should all be covered within the protection scope of the present application.

Claims

1. A data processing method, characterized in that, The method includes: Obtaining a first fund balance of an account with changed funds in a first-party institution, a second fund balance of the account in a third-party institution, third fund balances of each business department in the third-party institution in the first-party institution and fourth fund balances of the business departments in the third-party institution, a total balance of the third-party institution in a first period and a total balance and total transaction amount in a second period; the first period is the previous period of the second period; The first-party institution is a system for processing transfer operations between a second-party institution and the third-party institution, the second-party institution is a financial institution for depositing and withdrawing funds, and the third-party institution is an institution for conducting transactions; the first fund balance is the sum of the fund change amount of the second-party institution recorded in the first-party institution and the transaction amount of the third-party institution, and the second fund balance is the fund balance obtained after the third-party institution clears the transactions; the third fund balance is the sum of the fund change amount of the business department in the second-party institution recorded in the first-party institution and the transaction amount of the business department in the third-party institution, and the fourth fund balance is the sum of the fund balance of the business department in the first-party institution in the first period and the transaction amount in the second period; the total balance in the first period is the total balance of the accounts of the third-party institution in the first period, the total balance in the second period is the total balance of the accounts of the third-party institution in the second period, and the total transaction amount in the second period is the sum of the transaction amounts of the third-party institution in the second period; Based on the first fund balance and the second fund balance, verifying whether the clearing result of the account balance meets a first preset condition to obtain a first verification result; Based on the third fund balance and the fourth fund balance, verifying whether the clearing results of the balances of each business department meet a second preset condition to obtain a second verification result; Based on the sum of the total balance of the third-party institution in the first period and the total transaction amount in the second period and the total balance in the second period, verifying whether the clearing result of the total balance of the third-party institution meets a third preset condition to obtain a third verification result; When the first verification result, the second verification result, and the third verification result are all "yes", determining that the fund clearing is passed.

2. The method according to claim 1, wherein The first preset condition is that the first fund balance is equal to the second fund balance; the second preset condition is that the third fund balance is equal to the fourth fund balance; the third preset condition is that the sum of the total balance of the third-party institution in the first period and the total transaction amount in the second period is equal to the total balance in the second period.

3. The method according to claim 1, wherein Obtaining the first fund balance of an account with changed funds in a first-party institution and the second fund balance of the account in a third-party institution includes: Obtaining the fund change amounts of multiple accounts with changed funds in a second-party institution, the transaction amounts of the multiple accounts in a third-party institution, and the fund balances of the multiple accounts in the third-party institution; Calculate the amount of funds changed in the second party institution for the multiple accounts and the transaction amounts of the multiple accounts in the third party institution to obtain the first fund balance of the multiple accounts in the first party institution; Obtain the sum of the fund balances of the multiple accounts in the third party institution to obtain the second fund balance.

4. The method according to claim 3, characterized in that The calculating the amount of funds changed in the second party institution for the multiple accounts and the transaction amounts of the multiple accounts in the third party institution to obtain the first fund balance of the multiple accounts in the first party institution includes: Calculate the sum of the amount of funds changed in the second party institution for each account among the multiple accounts and the transaction amount of each account in the third party institution to obtain the fund balance of each account in the first party institution; Calculate the difference between the fund balance of each account in the first party institution and the fund balance of each account in the third party institution to obtain the difference of each account; Calculate the sum of the total amount of funds changed in the second party institution for the multiple accounts, the total transaction amounts of the multiple accounts in the third party institution, and the total differences of the multiple accounts to obtain the first fund balance of the accounts with changed funds in the first party institution.

5. The method according to claim 4, wherein After the calculating the difference between the fund balance of each account in the first party institution and the fund balance of each account in the third party institution to obtain the difference of each account, the method further includes: In the case where the difference is not zero, register the accounts with non-zero differences in the reconciliation imbalance table; Send the reconciliation imbalance table to the third party institution.

6. The method according to claim 1, wherein The obtaining the third fund balance of each business department in the third party institution in the first party institution and the fourth fund balance in the third party institution includes: Obtain the sum of the amount of funds changed in the second party institution for each business department in the third party institution and the transaction amounts of each business department in the third party institution to obtain the third fund balance; and Obtain the sum of the fund balance of each business department in the first party institution in the first period and the transaction amount in the second period to obtain the fourth fund balance.

7. The method according to claim 2, wherein The third preset condition that the sum of the total balance of the third party institution in the first period and the total transaction amount in the second period is equal to the total balance in the second period includes: The third preset condition that the sum of the total balance of the third party institution in the first period and the total transaction amount in the second period is equal to the sum of the true balance of the account and the reserve fund balance of the third party institution.

8. A data processing device, characterized in that, The device includes: An obtaining module, configured to obtain the first fund balance of the accounts with changed funds in the first party institution, the second fund balance of the accounts in the third party institution, the third fund balance of each business department in the third party institution in the first party institution and the fourth fund balance in the third party institution, the total balance of the third party institution in the first period and the total balance and total transaction amount in the second period; the first period is the previous period of the second period; The first-party institution is a system for handling transfer operations between the second-party institution and the third-party institution. The second-party institution is a financial institution for depositing and withdrawing funds, and the third-party institution is an institution for conducting transactions. The first fund balance is the sum of the fund change amount of the second-party institution recorded in the first-party institution and the transaction amount of the third-party institution. The second fund balance is the fund balance obtained after the third-party institution clears the transactions. The third fund balance is the sum of the fund change amount of the business department in the second-party institution and the transaction amount of the business department in the third-party institution recorded in the first-party institution. The fourth fund balance is the sum of the fund balance of the business department in the first-party institution in the first period and the transaction amount in the second period. The total balance in the first period is the total balance of the third-party institution's account in the first period, and the total balance in the second period is the total balance of the third-party institution's account in the second period. The total transaction amount in the second period is the sum of the transaction amounts of the third-party institution in the second period. The first verification module is configured to verify whether the clearing result of the account balance meets a first preset condition based on the first fund balance and the second fund balance, and obtain a first verification result. The second verification module is configured to verify whether the clearing result of the balance of each business department meets a second preset condition based on the third fund balance and the fourth fund balance, and obtain a second verification result. The third verification module is configured to verify whether the clearing result of the total balance of the third-party institution meets a third preset condition based on the sum of the total balance of the third-party institution in the first period and the total transaction amount in the second period, and the total balance in the second period, and obtain a third verification result. The determination module is configured to determine that the fund clearing is passed when the first verification result, the second verification result, and the third verification result are all "yes".

9. A data processing device, characterized in that, The device includes: a processor and a memory storing computer program instructions. When the processor executes the computer program instructions, the data processing method according to any one of claims 1-7 is implemented.

10. A computer-readable storage medium, characterized in that, Computer program instructions are stored on the computer-readable storage medium. When the computer program instructions are executed by the processor, the data processing method according to any one of claims 1-7 is implemented.

11. A computer program product, characterized in that, When the instructions in the computer program product are executed by the processor of the electronic device, the electronic device is caused to execute the data processing method according to any one of claims 1-7.

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