Reconciliation method, reconciliation system, computer-readable storage medium and banking system

Abstract

The application provides a reconciliation method, a reconciliation system, a computer readable storage medium and a bank system. The reconciliation method comprises the following steps: receiving a plurality of first Hash values sent by a first business system and receiving a plurality of second Hash values sent by a second business system; preprocessing the plurality of first Hash values to obtain at least one first target Hash value and preprocessing the plurality of second Hash values to obtain at least one second target Hash value; reconciling based on the first target Hash value and the corresponding second target Hash value, and in the case that the reconciliation fails, preprocessing the plurality of first Hash values and the plurality of second Hash values again for at least one time until a predetermined condition is reached, realizing a convergence process from the whole to the part, and quickly converging the problematic transaction, thereby solving the problems of low efficiency and low reliability of the reconciliation method in the prior art.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of big data, in particular to an account reconciliation method, an account reconciliation system, a computer readable storage medium and a bank system. BACKGROUND

[0002] In a conventional account reconciliation business scenario, each business system provides account data to an account reconciliation system through end-of-day batch processing. The account reconciliation system compares the received account data item by item to complete account reconciliation.

[0003] For the conventional account reconciliation method, the following problems exist:

[0004] 1. The conventional account reconciliation method needs to be performed at a specific time period every day, and cannot discover and handle abnormal transactions in a timely manner.

[0005] 2. The account data received by the account reconciliation system is detailed account information, which is prone to leakage of business data during transmission from the business system to the account reconciliation system, and also causes large I / O interface interaction data between the account reconciliation system and the business systems, i.e., increases I / O overhead.

[0006] 3. Since the account data received by the account reconciliation system is detailed account information, the complexity of account reconciliation by the account reconciliation system is large, and the account reconciliation efficiency is low.

[0007] In view of the above problems, there is an urgent need for a method that can efficiently and reliably perform account reconciliation. SUMMARY

[0008] The main purpose of the present application is to provide an account reconciliation method, an account reconciliation system, a computer readable storage medium and a bank system to solve the problems of low efficiency and low reliability of the prior art account reconciliation method.

[0009] According to an aspect of the embodiments of the present application, there is provided a reconciliation method applied in a reconciliation system, the reconciliation method comprising: receiving a plurality of first Hash values sent by a first business system and receiving a plurality of second Hash values sent by a second business system, wherein the first business system is a system used by a payee, the second business system is a system used by a payee, the first Hash value is obtained by the first business system through hashing and concatenating corresponding transaction detail data, and the second Hash value is obtained by the second business system through hashing and concatenating corresponding transaction detail data; pre-processing the plurality of first Hash values to obtain at least one first target Hash value, and pre-processing the plurality of second Hash values to obtain at least one second target Hash value, wherein the pre-processing comprises grouping processing and hashing and concatenating processing; reconciling based on the first target Hash value and the corresponding second target Hash value, and in the case that the reconciliation fails, pre-processing the plurality of first Hash values and the plurality of second Hash values again at least once until a predetermined condition is reached, wherein the predetermined condition comprises at least one of the following: the reconciliation passes after the pre-processing again, and the reconciliation based on the first Hash value and the corresponding second Hash value.

[0010] Optionally, the process of obtaining the first Hash value by the first business system through hashing and concatenating corresponding transaction detail data comprises: the first business system concatenating a first transaction element, a second transaction element and a third transaction element to obtain the corresponding first Hash value, wherein the first transaction element is composed of a serial number, a transaction type, a transaction state and a transaction amount, the second transaction element is a transaction time, and the third transaction element is composed of the transaction time, the serial number, a payee institution, a payee institution and the transaction state.

[0011] Optionally, the process of obtaining the second Hash value by the second business system through hashing and concatenating corresponding transaction detail data comprises: the second business system concatenating a first transaction element, a second transaction element and a third transaction element to obtain the corresponding second Hash value, wherein the first transaction element is composed of a serial number, a transaction type, a transaction state and a transaction amount, the second transaction element is a transaction time, and the third transaction element is composed of the transaction time, the serial number, a payee institution, a payee institution and the transaction state.

[0012] Optionally, the first Hash values are preprocessed to obtain at least one first target Hash value, including: grouping the first Hash values according to a first predetermined rule to obtain at least one first Hash group, wherein the first Hash group includes a plurality of the first Hash values, and the first predetermined rule is a rule of grouping according to a first predetermined time interval; and performing Hash splicing on the first Hash values in at least one first Hash group to obtain at least one first target Hash value.

[0013] Optionally, the second Hash values are preprocessed to obtain at least one second target Hash value, including: grouping the second Hash values according to a first predetermined rule to obtain at least one second Hash group, wherein the second Hash group includes a plurality of the second Hash values, and the first predetermined rule is a rule of grouping according to a first predetermined time interval; and performing Hash splicing on the second Hash values in at least one second Hash group to obtain at least one second target Hash value.

[0014] Optionally, the predetermined condition is that the re-processing of the first Hash values and the second Hash values is performed at least once until the predetermined condition is reached in the case that the reconciliation passes after the re-processing, including: performing the grouping and the Hash splicing on the first Hash values corresponding to the first target Hash value according to a second predetermined rule to obtain a plurality of first target sub-Hash values, and performing the grouping and the Hash splicing on the second Hash values corresponding to the second target Hash value according to the second predetermined rule to obtain a plurality of second target sub-Hash values, wherein the second predetermined rule is a rule of grouping according to a second predetermined time interval, and the second predetermined time interval is less than the first predetermined time interval; and determining that the reconciliation passes when each of the first target sub-Hash values is the same as the corresponding second target sub-Hash value.

[0015] Optionally, after the re-processing of the first Hash values and the second Hash values is performed at least once until the predetermined condition is reached in the case that the reconciliation is based on the first Hash values and the corresponding second Hash values, the reconciliation method further includes: in the case that the reconciliation based on the first Hash values and the corresponding second Hash values fails, sending a reconciliation instruction to the first business system and the second business system, respectively, wherein the reconciliation instruction carries a serial number, a transaction type, a transaction state, and a transaction amount of the first Hash value and the second Hash value that fail.

[0016] According to another aspect of the embodiments of the present application, there is also provided an account reconciliation system, comprising: a message receiving module configured to receive a plurality of first Hash values sent by a first business system and a plurality of second Hash values sent by a second business system, wherein the first business system is a system used by a payee, the second business system is a system used by a payor, the first Hash value is obtained by the first business system by hashing and concatenating corresponding transaction detail data, and the second Hash value is obtained by the second business system by hashing and concatenating corresponding transaction detail data; an account reconciliation module configured to pre-process the plurality of first Hash values to obtain at least one first target Hash value, and pre-process the plurality of second Hash values to obtain at least one second target Hash value, wherein the pre-processing comprises grouping processing and hashing and concatenating processing; and the account reconciliation module is configured to perform account reconciliation based on the first target Hash value and the corresponding second target Hash value, and in the case that the account reconciliation fails, perform at least one time of pre-processing again on the plurality of first Hash values and the plurality of second Hash values until a predetermined condition is reached, wherein the predetermined condition comprises at least one of the following: the account reconciliation passes after the pre-processing again, and the account reconciliation is performed based on the first Hash value and the corresponding second Hash value.

[0017] According to still another aspect of the embodiments of the present application, there is also provided a computer readable storage medium, comprising a stored program, wherein the program performs any of the account reconciliation methods.

[0018] According to yet another aspect of the embodiments of the present application, there is also provided a bank system, comprising: a first business system, a second business system and an account reconciliation system, wherein the account reconciliation system is in communication with the first business system and the second business system respectively, and the account reconciliation system is configured to perform any of the account reconciliation methods.

[0019] In this embodiment of the invention, the reconciliation method involves the reconciliation system receiving multiple first hash values ​​from a first business system and multiple second hash values ​​from a second business system. Since the first hash value is obtained by hashing the corresponding transaction detail data by the first business system, and the second hash value is obtained by hashing the corresponding transaction detail data by the second business system, both the first and second hash values ​​received by the reconciliation system are data digest information, not the corresponding transaction detail data. This ensures that the length and complexity of the transaction detail data are low, and that transaction information is not easily leaked during data transmission, thus guaranteeing high data security. Simultaneously, the reconciliation system preprocesses the received multiple first and second hash values, i.e., it groups and hashes the first and second hash values, and then performs reconciliation based on the obtained first and second target hash values. If reconciliation fails, the system performs at least one more preprocessing step on the multiple first hash values ​​corresponding to the first target hash value and the multiple second hash values ​​corresponding to the second target hash value until reconciliation succeeds or reconciliation is performed based on the first hash value and its corresponding second hash value. Since the reconciliation system does not need to compare each transaction detail, this ensures high overall reconciliation efficiency. In cases of failed reconciliation, further subdivision and reconciliation are performed; that is, the reconciliation method of this application achieves a convergence process from the overall to the local, which can quickly identify problematic transactions, thus solving the problems of low efficiency and low reliability in existing reconciliation methods. Attached Figure Description

[0020] The accompanying drawings, which form part of this application, are used to provide a further understanding of this application. The illustrative embodiments and descriptions of this application are used to explain this application and do not constitute an undue limitation of this application. In the drawings:

[0021] Figure 1 A flowchart of a reconciliation method according to an embodiment of this application is shown;

[0022] Figure 2 A schematic diagram of the architecture of an account reconciliation system according to an embodiment of this application is shown;

[0023] Figure 3 A flowchart of an embodiment of the reconciliation scheme of this application is shown;

[0024] Figure 4 A schematic diagram of the structure of an account reconciliation system according to an embodiment of this application is shown.

[0025] The above figures include the following reference numerals:

[0026] 100, reconciliation system; 200, message receiving module; 300, reconciliation module; 302, parsing sub-module; 301, reconciliation sub-module. DETAILED DESCRIPTION

[0027] It should be noted that the embodiments and features of the embodiments in the present application can be combined with each other without conflict. The technical solutions in the embodiments of the present application will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0028] In order for those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be described clearly and completely below in combination with the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, not all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those skilled in the art without creative labor should be within the scope of protection of the present application.

[0029] It should be noted that the terms "first", "second" and the like in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and do not necessarily indicate a specific order or a chronological sequence. It should be understood that the data thus used can be interchanged under appropriate circumstances, so that the embodiments of the present application described herein can be implemented. In addition, the terms "include" and "have" and any variations thereof are intended to cover non-exclusive inclusion, for example, a process, method, system, product or device including a series of steps or units does not necessarily have to be limited to those steps or units clearly listed, but can include other steps or units not clearly listed or inherent to these processes, methods, products or devices.

[0030] As mentioned in the background, the reconciliation method in the prior art has low efficiency and low reliability. In order to solve the above problems, in a typical embodiment of the present application, a reconciliation method, a reconciliation system, a computer readable storage medium and a bank system are provided.

[0031] According to the embodiments of the present application, a reconciliation method is provided.

[0032] Figure 1 is a flowchart of the reconciliation method according to the embodiments of the present application. The above-mentioned reconciliation method is applied to a reconciliation system, such as Figure 1 As shown in the figure, the reconciliation method includes the following steps:

[0033] Step S101, receiving a plurality of first Hash values sent by a first service system and receiving a plurality of second Hash values sent by a second service system, wherein the first service system is a system used by a payment user, the second service system is a system used by a collection user, the first Hash value is obtained by the first service system through hash splicing on corresponding transaction detail data, and the second Hash value is obtained by the second service system through hash splicing on corresponding transaction detail data;

[0034] Step S102, preprocessing a plurality of the first Hash values to obtain at least one first target Hash value, and preprocessing a plurality of the second Hash values to obtain at least one second target Hash value, wherein the preprocessing includes grouping processing and hash splicing processing;

[0035] Step S103, performing reconciliation based on the first target Hash value and the corresponding second target Hash value, and in the case of failing to pass the reconciliation, performing at least one preprocessing again on a plurality of the first Hash values and a plurality of the second Hash values until a predetermined condition is reached, wherein the predetermined condition includes at least one of the following: passing the reconciliation after the reprocessing, performing reconciliation based on the first Hash value and the corresponding second Hash value.

[0036] In the above account checking method, the account checking system receives the plurality of first Hash values sent by the first business system and receives the plurality of second Hash values sent by the second business system. Since the first Hash values are obtained by the first business system hashing and splicing corresponding transaction detail data, and the second Hash values are obtained by the second business system hashing and splicing corresponding transaction detail data, the first Hash values and the second Hash values received by the account checking system are all data digest information, not corresponding transaction detail data, which ensures that the length and complexity of the transaction detail data are low, and the transaction information is not easily leaked during data transmission, ensuring high data security. At the same time, the account checking system pre-processes the plurality of first Hash values and the plurality of second Hash values received, that is, groups and hashes the first Hash values and the plurality of second Hash values, and then checks based on the obtained first target Hash value and second target Hash value. In the case where the account checking fails, the plurality of first Hash values corresponding to the first target Hash value and the plurality of second Hash values corresponding to the second target Hash value are pre-processed at least once until the account checking passes or the account checking is based on the first Hash value and the corresponding second Hash value. Since the account checking system does not need to compare the transaction detail data one by one, the overall account checking efficiency is high. In the case where the account checking fails, the subdivision and account checking are performed again, that is, the account checking method of the application realizes the convergence process from the whole to the part, which can quickly converge the problematic transaction, thereby solving the problems of low efficiency and low reliability of the account checking method in the prior art.

[0037] In the account checking method of the application, since the first Hash values and the second Hash values transmitted are data digest information, the length and complexity of the data are reduced, which is convenient for processing. Moreover, the account checking method of the application does not need to store the flow information into the database, and can complete the account checking, which can also reduce the interaction process of the first business system and the database, the second business system and the database, and the account checking system and the database, thereby reducing the I / O overhead and improving the operation efficiency of the entire bank system.

[0038] It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although the logical order is shown in the flowchart, in some cases, the steps shown or described herein can be executed in an order different from that shown herein.

[0039] In actual application process, the first business system and the second business system can send the corresponding plurality of first Hash values and the corresponding plurality of second Hash values to the reconciliation system at a predetermined time interval. If the first Hash value and the second Hash value data volume in the predetermined time interval is small, after receiving the plurality of first Hash values and the plurality of second Hash values, the reconciliation system can not need to perform grouping processing again, and can directly perform hash splicing on the plurality of first Hash values to obtain the first target Hash value, and directly perform hash splicing on the plurality of second Hash values to obtain the second target Hash value. Of course, if the first Hash value and the second Hash value data volume in the predetermined time interval is large, in order to ensure the accuracy of the reconciliation result, the reconciliation system can perform grouping processing and hash processing on the received plurality of first Hash values and the plurality of second Hash values, and the grouping rule at this time can be divided according to the size of the data volume or subdivided according to the time interval again. In the present application, the basis for grouping is not limited, and any suitable method in the prior art can be used and flexible processing can be performed according to the actual situation.

[0040] In a specific embodiment of the present application, in the case that the first target Hash value and the corresponding second target Hash value are the same, it is determined that the reconciliation is passed, and the reconciliation is completed. In the case that the first target Hash value and the corresponding second target Hash value are not the same, it is determined that the reconciliation is not passed. In the case that the first target Hash value and the corresponding second target Hash value are not passed, the plurality of first Hash values corresponding to the first target Hash value and the plurality of second Hash values corresponding to the second target Hash value are grouped and hash-spliced at least once. If the reconciliation is passed again, the reconciliation is completed. If the reconciliation is not passed again, the subdivision can be continued until the transaction data that appears to be problematic (i.e., the transaction corresponding to the problem) is found.

[0041] In actual application process, the reconciliation system can also be provided with a message receiving module. At the same time, the first business system and the second business system can put the corresponding first Hash value and second Hash value into the message queue and wait for the message receiving module to consume. Of course, it is not limited to obtaining the first Hash value and the second Hash value through the message receiving module and through the message queue, and any feasible way can be used to receive the first Hash value and the second Hash value, for example, the first business system stores the plurality of first Hash values in the first file and sends the first file to the reconciliation system. The second business system stores the plurality of second Hash values in the second file and sends the second file to the reconciliation system.

[0042] Meanwhile, multiple reconciliation modules can be set in the reconciliation system. The message receiving module can allocate corresponding reconciliation modules for the first file and the corresponding second file based on the load balancing principle. That is, the reconciliation method of the present application sets multiple active reconciliation models, further ensuring high reconciliation efficiency. Of course, it is not limited to allocating reconciliation models through the message receiving module, and a controller or an allocation module can also be set in the reconciliation system to allocate reconciliation modules based on the load balancing principle.

[0043] In order to make the first Hash value data obtained after hash splicing shorter, while retaining more useful information to facilitate subsequent problem tracing of problematic transaction data, in an embodiment of the present application, the process of obtaining the first Hash value by the first business system through hash splicing of the corresponding transaction detail data includes: the first business system performs string splicing on the first transaction element, the second transaction element and the third transaction element to obtain the corresponding first Hash value, wherein the first transaction element is composed of a serial number, a transaction type, a transaction state and a transaction amount, the second transaction element is a transaction time, and the third transaction element is composed of the transaction time, the serial number, a payment institution, a receiving institution and the transaction state.

[0044] In another embodiment of the present application, the process of obtaining the second Hash value by the second business system through hash splicing of the corresponding transaction detail data includes: the second business system performs string splicing on the first transaction element, the second transaction element and the third transaction element to obtain the corresponding second Hash value, wherein the first transaction element is composed of a serial number, a transaction type, a transaction state and a transaction amount, the second transaction element is a transaction time, and the third transaction element is composed of the transaction time, the serial number, a payment institution, a receiving institution and the transaction state. Specifically, the first transaction element, the second transaction element and the third transaction element are hash spliced to obtain the second Hash value, which ensures that the obtained second Hash value has a small data size, and also retains more useful information to facilitate subsequent problem tracing of problematic transaction data.

[0045] Specifically, the transaction type in the above embodiment can be payment, deduction or refund, etc.

[0046] In actual application, in the case that the amount of data of the first Hash values received by the first business system is large, in order to ensure that the plurality of first Hash values of the first business system and the plurality of second Hash values of the second business system can be more accurately reconciled, in another embodiment of the present application, the plurality of first Hash values are preprocessed to obtain at least one first target Hash value, comprising: grouping the plurality of first Hash values according to a first predetermined rule to obtain at least one first Hash group, wherein the first Hash group comprises the plurality of first Hash values, and the first predetermined rule is a rule of grouping according to a first predetermined time interval; and performing Hash splicing on the plurality of first Hash values in at least one first Hash group to obtain at least one first target Hash value.

[0047] Specifically, grouping the plurality of first Hash values according to the first predetermined rule can be grouping the first Hash values in the same hour into a group according to an hour as a time unit.

[0048] In another embodiment of the present application, the plurality of second Hash values are preprocessed to obtain at least one second target Hash value, comprising: grouping the plurality of second Hash values according to a first predetermined rule to obtain at least one second Hash group, wherein the second Hash group comprises the plurality of second Hash values, and the first predetermined rule is a rule of grouping according to a first predetermined time interval; and performing Hash splicing on the plurality of second Hash values in at least one second Hash group to obtain at least one second target Hash value, so as to ensure that the obtained second target Hash value is more accurate, and ensure that the plurality of first Hash values of the first business system and the plurality of second Hash values of the second business system can be more accurately reconciled.

[0049] Specifically, grouping the plurality of second Hash values according to the first predetermined rule can be grouping the second Hash values in the same hour into a group according to an hour as a time unit.

[0050] In order to further quickly complete the reconciliation, in an embodiment of the present application, the predetermined condition is that the reconciliation passes again after the above-mentioned preprocessing, and the above-mentioned first Hash value and the above-mentioned second Hash value are preprocessed at least once until the predetermined condition is reached, including: according to a second predetermined rule, the above-mentioned grouping processing and the above-mentioned hash splicing processing are performed on the above-mentioned first Hash value corresponding to the above-mentioned first target Hash value to obtain a plurality of first target sub-Hash values, and according to the above-mentioned second predetermined rule, the above-mentioned grouping processing and the above-mentioned hash splicing processing are performed on the above-mentioned second Hash value corresponding to the above-mentioned second target Hash value to obtain a plurality of second target sub-Hash values, wherein the above-mentioned second predetermined rule is a rule of grouping according to a second predetermined time interval, and the above-mentioned second predetermined time interval is less than the first predetermined time interval; and in the case that each of the above-mentioned first target sub-Hash values and the corresponding above-mentioned second target sub-Hash values are the same, it is determined that the reconciliation passes.

[0051] Specifically, in the above-mentioned embodiment, in the case that the reconciliation based on the first target Hash value and the corresponding second target Hash value fails, then according to a second predetermined rule (for example, if the first target Hash value is obtained by grouping and hash splicing a plurality of first Hash values according to an hour time interval, then the second predetermined rule is to group a plurality of first Hash values again according to a minute time interval), the first Hash value corresponding to the first target Hash value is preprocessed to obtain a plurality of first target sub-Hash values. And according to the second predetermined rule, the second Hash value corresponding to the second target Hash value is preprocessed to obtain a plurality of second target sub-Hash values. In the case that each of the first target sub-Hash values and the corresponding second target sub-Hash values are the same, it is determined that the reconciliation passes. In the case that there is a first target sub-Hash value and the corresponding second target sub-Hash value are not the same, it is determined that the reconciliation fails, and the first Hash value corresponding to the above-mentioned first target sub-Hash value and the second Hash value corresponding to the second target sub-Hash value are preprocessed again until the reconciliation based on the above-mentioned first Hash value and the corresponding above-mentioned second Hash value is performed.

[0052] In a specific embodiment of the present application, the process of reconciliation based on the first Hash value and the second Hash value corresponding to the first Hash value includes: if the first Hash value and the second Hash value corresponding to the first Hash value are the same, it is determined that the reconciliation passes; if the first Hash value and the second Hash value corresponding to the first Hash value are not the same, it is determined that the reconciliation fails.

[0053] In another embodiment of the present application, in the case that the predetermined condition is to perform reconciliation based on the first Hash value and the corresponding second Hash value, after the plurality of first Hash values and the plurality of second Hash values are preprocessed at least once until the predetermined condition is reached, the reconciliation method further comprises: in the case that the reconciliation based on the first Hash value and the corresponding second Hash value fails, sending a reconciliation instruction to the first business system and the second business system respectively, the reconciliation instruction carrying the serial number, the transaction type, the transaction status and the transaction amount of the failed first Hash value and the second Hash value, so as to facilitate timely processing of the problematic transaction data.

[0054] The embodiment of the present application further provides a reconciliation system. It should be noted that the reconciliation system of the embodiment of the present application can be used to execute the reconciliation method provided by the embodiment of the present application. The reconciliation system provided by the embodiment of the present application is introduced as follows.

[0055] Figure 4 FIG. 1 is a structural schematic diagram of a reconciliation system according to the embodiment of the present application. As shown in FIG. 1, the reconciliation system comprises: Figure 4

[0056] The message receiving module 200 is configured to receive a plurality of first Hash values sent by a first business system and receive a plurality of second Hash values sent by a second business system, wherein the first business system is a system used by a payee, the second business system is a system used by a payee, the first Hash value is obtained by the first business system by hashing and splicing corresponding transaction detail data, and the second Hash value is obtained by the second business system by hashing and splicing corresponding transaction detail data.

[0057] The reconciliation module 300 is configured to preprocess the plurality of first Hash values to obtain at least one first target Hash value, and preprocess the plurality of second Hash values to obtain at least one second target Hash value, wherein the preprocessing comprises grouping processing and hashing and splicing processing.

[0058] The reconciliation module 300 is configured to perform reconciliation based on the first target Hash value and the corresponding second target Hash value, and in the case that the reconciliation fails, the plurality of first Hash values and the plurality of second Hash values are preprocessed at least once until a predetermined condition is reached, and the predetermined condition comprises at least one of the following: the reconciliation passes after the preprocessing, and the reconciliation is performed based on the first Hash value and the corresponding second Hash value.

[0059] ​The message receiving module is configured to receive a plurality of first Hash values sent by the first business system and a plurality of second Hash values sent by the second business system. Since the first Hash values are obtained by the first business system by hashing and splicing corresponding transaction detail data, and the second Hash values are obtained by the second business system by hashing and splicing corresponding transaction detail data, the first Hash values and the second Hash values received by the reconciliation system are all data digest information, not corresponding transaction detail data, which ensures that the length and complexity of the transaction detail data are low, and the transaction information is not easily leaked during data transmission, ensuring high data security. The reconciliation module is configured to pre-process the plurality of first Hash values and the plurality of second Hash values received, that is, group and hash the first Hash values and the plurality of second Hash values, and then perform reconciliation based on the obtained first target Hash value and the second target Hash value. In the case where the reconciliation fails, the plurality of first Hash values corresponding to the first target Hash value and the plurality of second Hash values corresponding to the second target Hash value are pre-processed at least once until the reconciliation passes or the reconciliation is performed based on the first Hash value and the corresponding second Hash value. Since the reconciliation system does not need to compare the transaction detail data one by one, the overall reconciliation efficiency is high. In the case where the reconciliation fails, the subdivision and reconciliation are performed again, that is, the reconciliation system of the present application realizes a convergence process from the whole to the local, which can quickly converge the problematic transaction, thereby solving the problems of low efficiency and low reliability of the reconciliation method in the prior art.

[0060] In the reconciliation system of the present application, since the first Hash values and the second Hash values transmitted are data digest information, the length and complexity of the data are reduced, which is convenient for processing. Moreover, the reconciliation method of the present application does not need to store the flow information into the database, and can complete the reconciliation, which can also reduce the interaction process of the first business system and the database, the second business system and the database, and the reconciliation system and the database, thereby reducing the I / O overhead and improving the operation efficiency of the entire bank system.

[0061] In actual application process, the first business system and the second business system can send the corresponding plurality of first Hash values and the corresponding plurality of second Hash values to the reconciliation system at a predetermined time interval. If the first Hash value and the second Hash value data volume in the predetermined time interval is small, after receiving the plurality of first Hash values and the plurality of second Hash values, the reconciliation system can not need to perform grouping processing again, and can directly hash splice the plurality of first Hash values to obtain the first target Hash value, and directly hash splice the plurality of second Hash values to obtain the second target Hash value. Of course, if the first Hash value and the second Hash value data volume in the predetermined time interval is large, in order to ensure the accuracy of the reconciliation result, the reconciliation system can perform grouping processing and hash processing on the received plurality of first Hash values and the plurality of second Hash values, and the grouping rule at this time can be divided according to the size of the data volume or subdivided according to the time interval again. In the present application, the basis for grouping is not limited, and any suitable method in the prior art can be used for flexible processing according to the actual situation.

[0062] In a specific embodiment of the present application, in the case that the first target Hash value and the corresponding second target Hash value are the same, it is determined that the reconciliation is passed, and the reconciliation is completed. In the case that the first target Hash value and the corresponding second target Hash value are not the same, it is determined that the reconciliation is not passed. In the case that the first target Hash value and the corresponding second target Hash value are not passed, the plurality of first Hash values corresponding to the first target Hash value and the plurality of second Hash values corresponding to the second target Hash value are grouped and hash-spliced at least once. If the reconciliation is passed again, the reconciliation is completed. If the reconciliation is not passed again, the subdivision can be continued until the transaction data with the problem (i.e. the transaction corresponding to the problem) is found.

[0063] In actual application process, the first business system and the second business system can put the corresponding first Hash value and second Hash value into the message queue, and wait for the message receiving module to consume. Of course, it is not limited to obtaining the first Hash value and the second Hash value through the message receiving module and through the message queue, and any feasible way can be used to receive the first Hash value and the second Hash value, for example, the first business system stores the plurality of first Hash values in the first file, and sends the first file to the reconciliation system. The second business system stores the plurality of second Hash values in the second file, and sends the second file to the reconciliation system.

[0064] Meanwhile, the message receiving module can assign the corresponding reconciliation module to the first file and the corresponding second file based on a load balancing principle. That is, the reconciliation method of the present application sets a multi-live reconciliation model, further ensuring that the reconciliation efficiency is high. Of course, it is not limited to assigning the reconciliation model through the message receiving module, and a controller or an assignment module can also be set in the reconciliation system to assign the reconciliation module based on the load balancing principle.

[0065] In order to make the first Hash value data obtained after the hash splicing shorter, while retaining more useful information to facilitate subsequent problem tracing of problematic transaction data, in an embodiment of the present application, the process of the first business system obtaining the first Hash value by hash splicing the corresponding transaction detail data includes: the first business system splicing the first transaction element, the second transaction element and the third transaction element to obtain the corresponding first Hash value, wherein the first transaction element is composed of a serial number, a transaction type, a transaction state and a transaction amount, the second transaction element is a transaction time, and the third transaction element is composed of the transaction time, the serial number, a payment institution, a receiving institution and the transaction state.

[0066] In another embodiment of the present application, the process of the second business system obtaining the second Hash value by hash splicing the corresponding transaction detail data includes: the second business system splicing the first transaction element, the second transaction element and the third transaction element to obtain the corresponding second Hash value, wherein the first transaction element is composed of a serial number, a transaction type, a transaction state and a transaction amount, the second transaction element is a transaction time, and the third transaction element is composed of the transaction time, the serial number, a payment institution, a receiving institution and the transaction state. Specifically, the first transaction element, the second transaction element and the third transaction element are hash spliced to obtain the second Hash value, which ensures that the obtained second Hash value has a small data amount, and also retains more useful information to facilitate subsequent problem tracing of problematic transaction data.

[0067] Specifically, the transaction type in the above embodiment can be payment, deduction or refund, etc.

[0068] In actual application, in the case that the amount of data of the first Hash values received by the first business system is large, in order to ensure that the plurality of first Hash values of the first business system and the plurality of second Hash values of the second business system can be more accurately reconciled, in another embodiment of the present application, the reconciliation module comprises an analysis submodule, configured to group the plurality of first Hash values according to a first predetermined rule to obtain at least one first Hash group, wherein the first Hash group comprises the plurality of first Hash values, and the first predetermined rule is a rule of grouping according to a first predetermined time interval; and the plurality of first Hash values in the at least one first Hash group are hashed and spliced to obtain at least one first target Hash value.

[0069] Specifically, grouping the plurality of first Hash values according to the first predetermined rule can be grouping the first Hash values in the same hour into a group according to an hour as a time unit.

[0070] In another embodiment of the present application, the analysis submodule is configured to group the plurality of second Hash values according to a first predetermined rule to obtain at least one second Hash group, wherein the second Hash group comprises the plurality of second Hash values, and the first predetermined rule is a rule of grouping according to a first predetermined time interval; and the plurality of second Hash values in the at least one second Hash group are hashed and spliced to obtain at least one second target Hash value, so as to ensure that the obtained second target Hash value is more accurate, and ensure that the plurality of first Hash values of the first business system and the plurality of second Hash values of the second business system can be more accurately reconciled.

[0071] Specifically, grouping the plurality of second Hash values according to the first predetermined rule can be grouping the second Hash values in the same hour into a group according to an hour as a time unit.

[0072] In order to further quickly complete the reconciliation, in an embodiment of the present application, the predetermined condition is that the reconciliation passes when the above-mentioned preprocessing is performed again. The reconciliation module further includes a reconciliation submodule. The analysis submodule is further configured to perform the grouping and hash concatenation processing on the plurality of first Hash values corresponding to the first target Hash value according to a second predetermined rule to obtain a plurality of first target sub-Hash values, and perform the grouping and hash concatenation processing on the plurality of second Hash values corresponding to the second target Hash value according to the second predetermined rule to obtain a plurality of second target sub-Hash values. The second predetermined rule is a rule of grouping according to a second predetermined time interval, and the second predetermined time interval is less than the first predetermined time interval. The reconciliation submodule is configured to determine that the reconciliation passes when each of the first target sub-Hash values is the same as the corresponding second target sub-Hash value.

[0073] Specifically, in the above-mentioned embodiment, when the reconciliation based on the first target Hash value and the corresponding second target Hash value fails, the plurality of first Hash values corresponding to the first target Hash value are preprocessed according to a second predetermined rule (for example, if the first target Hash value is obtained by grouping and hash concatenating the plurality of first Hash values according to an hour time interval, the second predetermined rule is to group the plurality of first Hash values again according to a minute time interval) to obtain a plurality of first target sub-Hash values. The plurality of second Hash values corresponding to the second target Hash value are preprocessed according to the second predetermined rule to obtain a plurality of second target sub-Hash values. When each of the first target sub-Hash values is the same as the corresponding second target sub-Hash value, it is determined that the reconciliation passes. When one of the first target sub-Hash values is not the same as the corresponding second target sub-Hash value, it is determined that the reconciliation fails, and the plurality of first Hash values corresponding to the first target sub-Hash value and the plurality of second Hash values corresponding to the second target sub-Hash value which fail in the reconciliation are preprocessed again until the reconciliation based on the first Hash value and the corresponding second Hash value is performed.

[0074] In a specific embodiment of the present application, the process of performing the reconciliation based on the first Hash value and the second Hash value corresponding to the first Hash value includes: when the first Hash value and the second Hash value corresponding to the first Hash value are the same, it is determined that the reconciliation passes; and when the first Hash value and the second Hash value corresponding to the first Hash value are not the same, it is determined that the reconciliation fails.

[0075] In another embodiment of the present application, when the predetermined condition is that the reconciliation is based on the first Hash value and the corresponding second Hash value, the reconciliation system further comprises a sending module configured to perform the preprocessing on the plurality of first Hash values and the plurality of second Hash values at least once again until the predetermined condition is reached, and when the reconciliation based on the first Hash value and the corresponding second Hash value fails, send a reconciliation instruction to the first business system and the second business system respectively, the reconciliation instruction carrying the serial number, the transaction type, the transaction status and the transaction amount corresponding to the failed first Hash value and the second Hash value, so as to facilitate timely processing of the problematic transaction data.

[0076] The reconciliation system comprises a processor and a memory, and the message receiving module and the reconciliation module are stored in the memory as program units, and the processor executes the program units stored in the memory to realize the corresponding functions.

[0077] The processor comprises a core, and the core retrieves the corresponding program units from the memory. The core can be one or more, and the efficiency and reliability of the reconciliation method in the prior art can be improved by adjusting the core parameters.

[0078] The memory can include non-permanent memory in a computer readable medium, random access memory (RAM) and / or non-volatile memory such as read-only memory (ROM) or flash memory (flash RAM), and the memory comprises at least one memory chip.

[0079] The embodiment of the present application provides a computer readable storage medium, which stores a program, and the program is executed by a processor to realize the reconciliation method.

[0080] The embodiment of the present application provides a processor, which is used to run a program, and the program is executed to perform the reconciliation method.

[0081] In a typical embodiment of the present application, a bank system is further provided. The bank system comprises a first business system, a second business system and a reconciliation system. The reconciliation system is in communication with the first business system and the second business system, and the reconciliation system is configured to perform any of the reconciliation methods.

[0082] The bank system includes an account reconciliation system, and the account reconciliation system can be used to perform any of the account reconciliation methods. In the account reconciliation method, the account reconciliation system receives a plurality of first Hash values sent by the first business system and a plurality of second Hash values sent by the second business system. Since the first Hash values are obtained by the first business system by hashing and splicing corresponding transaction detail data, and the second Hash values are obtained by the second business system by hashing and splicing corresponding transaction detail data, the first Hash values and the second Hash values received by the account reconciliation system are all data digest information, not corresponding transaction detail data, which ensures that the length and complexity of the transaction detail data are low, and the transaction information is not easily leaked in the data transmission process, ensuring that the data security is high. At the same time, the account reconciliation system pre-processes the plurality of first Hash values and the plurality of second Hash values received, that is, groups and hashes the first Hash values and the plurality of second Hash values, and then performs account reconciliation based on the obtained first target Hash value and the second target Hash value. In the case where the account reconciliation fails, the plurality of first Hash values corresponding to the first target Hash value and the plurality of second Hash values corresponding to the second target Hash value are pre-processed at least once again until the account reconciliation passes or the account reconciliation is performed based on the first Hash value and the corresponding second Hash value. Since the account reconciliation system does not need to compare the transaction detail data one by one, the overall account reconciliation efficiency is high. In the case where the account reconciliation fails, the subdivision and account reconciliation are performed again, that is, the account reconciliation method of the present application realizes a convergence process from the whole to the part, which can quickly converge the problematic transaction, thereby solving the problems of low efficiency and low reliability of the account reconciliation method in the prior art.

[0083] The embodiment of the present application provides a device, the device comprises a processor, a memory and a program stored on the memory and executable on the processor, and at least the following steps are implemented when the processor executes the program:

[0084] In step S101, a plurality of first Hash values sent by a first business system and a plurality of second Hash values sent by a second business system are received, wherein the first business system is a system used by a payee, the second business system is a system used by a payee, the first Hash values are obtained by the first business system by hashing and splicing corresponding transaction detail data, and the second Hash values are obtained by the second business system by hashing and splicing corresponding transaction detail data;

[0085] Step S102, pre-processing a plurality of the first Hash values to obtain at least one first target Hash value, and pre-processing a plurality of the second Hash values to obtain at least one second target Hash value, the pre-processing including grouping processing and Hash splicing processing;

[0086] Step S103, based on the first target Hash value and the corresponding second target Hash value, performing reconciliation, in the case that the reconciliation fails, again performing at least one pre-processing on a plurality of the first Hash values and a plurality of the second Hash values until a predetermined condition is reached, the predetermined condition including at least one of the following: reconciliation passing after re-processing, performing reconciliation based on the first Hash value and the corresponding second Hash value.

[0087] The device herein can be a server, a PC, a PAD, a mobile phone, etc.

[0088] The present application also provides a computer program product adapted to execute a program initialized with at least the following method steps when executed on a data processing device:

[0089] Step S101, receiving a plurality of first Hash values sent by a first business system and receiving a plurality of second Hash values sent by a second business system, wherein the first business system is a system used by a payment user, the second business system is a system used by a collection user, the first Hash value is obtained by the first business system through Hash splicing on corresponding transaction detail data, and the second Hash value is obtained by the second business system through Hash splicing on corresponding transaction detail data;

[0090] Step S102, pre-processing a plurality of the first Hash values to obtain at least one first target Hash value, and pre-processing a plurality of the second Hash values to obtain at least one second target Hash value, the pre-processing including grouping processing and Hash splicing processing;

[0091] Step S103, based on the first target Hash value and the corresponding second target Hash value, performing reconciliation, in the case that the reconciliation fails, again performing at least one pre-processing on a plurality of the first Hash values and a plurality of the second Hash values until a predetermined condition is reached, the predetermined condition including at least one of the following: reconciliation passing after re-processing, performing reconciliation based on the first Hash value and the corresponding second Hash value.

[0092] In order for those skilled in the art to have a clearer understanding of the technical solutions of the present application, the technical solutions and technical effects of the present application will be described in conjunction with specific embodiments below.

[0093] Embodiment

[0094] The embodiment relates to an account reconciliation scheme, which is specifically shown in Figure 2 and Figure 3 . The account reconciliation system 100 comprises a message receiving module 200 and an account reconciliation module 300. The account reconciliation module 300 comprises an analysis submodule 302 and an account reconciliation submodule 301, that is, multiple account reconciliation modules 300 are arranged in the account reconciliation system 100, and the high availability of the account reconciliation system 100 is ensured through the multi-live design. The specific steps of the account reconciliation scheme are as follows:

[0095] The first step: the message receiving module 200 receives multiple first Hash values sent by a first business system and multiple second Hash values sent by a second business system. The first Hash value is obtained by the first business system through string splicing of a first transaction element, a second transaction element and a third transaction element, and the second Hash value is obtained by the second business system through string splicing of the first transaction element, the second transaction element and the third transaction element. After receiving the multiple first Hash values and the multiple second Hash values, the message receiving module 200 allocates corresponding account reconciliation modules 300 based on the load balancing principle.

[0096] The second step: the analysis submodule 302 in the account reconciliation module 300 determines whether the multiple first Hash values and the multiple second Hash values are grouped according to the size of the data quantity in the case of receiving the multiple first Hash values and the multiple second Hash values. In the case of large data quantity, the multiple first Hash values and the multiple second Hash values are grouped and processed through hash splicing according to a first predetermined rule (that is, the time period is divided according to unit hours), and multiple first target Hash values and multiple second target Hash values are obtained.

[0097] The third step: the account reconciliation submodule 301 in the account reconciliation module 300 performs account reconciliation based on each first target Hash value and the second target Hash value corresponding to the first target Hash value. In the case that the first target Hash value and the second target Hash value corresponding to the first target Hash value are the same, it is determined that the account reconciliation is passed, that is, the account reconciliation is completed. In the case that the first target Hash value and the second target Hash value corresponding to the first target Hash value are different, it is determined that the account reconciliation is not passed.

[0098] The parsing submodule 302 in the reconciliation module 300 again groups and hash concatenates the plurality of first Hash values corresponding to the first target Hash value and the plurality of second Hash values corresponding to the second target Hash value according to the second predetermined rule (i.e., time period division according to unit minutes) to obtain a plurality of first target sub-Hash values and a plurality of second target sub-Hash values.

[0099] The reconciliation submodule 301 in the reconciliation module 300 reconciles each first target sub-Hash value with the second target sub-Hash value corresponding thereto. If the first target sub-Hash value and the second target sub-Hash value corresponding thereto are identical, it is determined that the reconciliation is passed, i.e., the reconciliation is completed. If the first target sub-Hash value and the second target sub-Hash value corresponding thereto are not identical, it is determined that the reconciliation is not passed.

[0100] The parsing submodule 302 in the reconciliation module 300 again groups and hash concatenates the plurality of first Hash values corresponding to the first target sub-Hash value and the plurality of second Hash values corresponding to the second target sub-Hash value according to the third predetermined rule (i.e., time period division according to unit seconds) to obtain a plurality of first target second-level sub-Hash values and a plurality of second target second-level sub-Hash values.

[0101] The reconciliation submodule 301 in the reconciliation module 300 reconciles each first target second-level sub-Hash value with the second target second-level sub-Hash value corresponding thereto. If the first target second-level sub-Hash value and the second target second-level sub-Hash value corresponding thereto are identical, it is determined that the reconciliation is passed, i.e., the reconciliation is completed. If the first target second-level sub-Hash value and the second target second-level sub-Hash value corresponding thereto are not identical, it is determined that the reconciliation is not passed. In this case, in actual application, the first target second-level sub-Hash value and the second target second-level sub-Hash value that are not passed can be further grouped (e.g., time period division according to second division) and hash concatenated according to actual conditions. This will not be described one by one in the present embodiment.

[0102] The eighth step: the reconciliation submodule 301 in the reconciliation module 300 performs reconciliation based on the first Hash value and the second Hash value corresponding to the first Hash value. In the case that the first Hash value and the second Hash value corresponding to the first Hash value are the same, it is determined that the reconciliation is passed, that is, the reconciliation is completed. In the case that the first Hash value and the second Hash value corresponding to the first Hash value are not the same, the reconciliation instruction carrying the serial number, the transaction type, the transaction state and the transaction amount corresponding to the first Hash value and the second Hash value which are not passed is sent to the first business system and the second business system.

[0103] In the above-described embodiments of the present application, the description of each embodiment has its own focus, and the parts not described in detail in a certain embodiment can be referred to the relevant description of other embodiments.

[0104] In several embodiments provided in the present application, it should be understood that the disclosed technical contents can be implemented by other ways. Among them, the above-described device embodiments are only schematic, for example, the division of the above-described units can be a logical function division, and actual implementation can have another division way, for example, a plurality of units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the coupling or direct coupling or communication connection between the displayed or discussed units can be indirect coupling or communication connection through some interfaces, units or modules, which can be electrical or other forms.

[0105] The units described as separate components above can or can not be physically separated, and the components displayed as units can or can not be physical units, that is, they can be located in one place, or can be distributed to multiple units. According to actual needs, part or all of the units can be selected to achieve the purpose of the present embodiment scheme.

[0106] In addition, each functional unit in each embodiment of the present application can be integrated in one processing unit, or each unit can exist physically, or two or more units can be integrated in one unit. The above integrated unit can be realized in the form of hardware or in the form of software functional unit.

[0107] The integrated unit described above, if realized in the form of a software function unit and sold or used as an independent product, can be stored in a computer-readable storage medium. Based on such understanding, the technical solutions of the present application essentially or the part that contributes to the prior art or the whole or part of the technical solutions can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes a plurality of instructions for causing a computer device (which can be a personal computer, a server or a network device, etc.) to execute all or part of the steps of the above-mentioned method of each embodiment of the present application. The aforementioned storage medium includes: a U disk, a read-only memory (ROM), a random access memory (RAM), a mobile hard disk, a magnetic disk or an optical disk, and various media that can store program codes.

[0108] From the above description, it can be seen that the above-mentioned embodiments of the present application achieve the following technical effects:

[0109] 1) In the reconciliation method of the present application, the reconciliation system receives a plurality of first Hash values sent by the first business system and a plurality of second Hash values sent by the second business system. Since the first Hash values are obtained by the first business system by hashing and splicing corresponding transaction detail data, and the second Hash values are obtained by the second business system by hashing and splicing corresponding transaction detail data, the first Hash values and the second Hash values received by the reconciliation system are all data digest information, not corresponding transaction detail data, which ensures that the length and complexity of the transaction detail data are low, and the transaction information is not easily leaked in the data transmission process, ensuring high data security. At the same time, the reconciliation system pre-processes the plurality of first Hash values and the plurality of second Hash values received, that is, groups and hashes the first Hash values and the plurality of second Hash values, and then reconciles based on the obtained first target Hash value and second target Hash value. In the case where the reconciliation fails, the plurality of first Hash values corresponding to the first target Hash value and the plurality of second Hash values corresponding to the second target Hash value are pre-processed at least once again until the reconciliation passes or the reconciliation is performed based on the first Hash value and the corresponding second Hash value. Since the reconciliation system does not need to compare the transaction detail data one by one, the overall reconciliation efficiency is high. In the case where the reconciliation fails, subdivision and reconciliation are performed again, that is, the reconciliation method of the present application realizes a convergence process from the whole to the part, which can quickly converge the problematic transaction, thereby solving the problems of low efficiency and low reliability of the reconciliation method in the prior art.

[0110] 2)、In the reconciliation device of the application, the message receiving module is used for receiving a plurality of first Hash values sent by the first business system and receiving a plurality of second Hash values sent by the second business system. Since the first Hash value is obtained by the first business system for hashing splicing corresponding transaction detail data, and the second Hash value is obtained by the second business system for hashing splicing corresponding transaction detail data, so that the first Hash value and the second Hash value received by the reconciliation system are all data digest information, not corresponding transaction detail data, which ensures that the length and complexity of the transaction detail data are low, and the transaction information is not easy to leak in the data transmission process, ensuring that the data security is high. The reconciliation module is used for preprocessing the received plurality of first Hash values and plurality of second Hash values, that is, grouping and hashing processing the first Hash value and plurality of second Hash values, and then performing reconciliation based on the obtained first target Hash value and second target Hash value. In the case of failing to reconcile, the plurality of first Hash values corresponding to the first target Hash value and the plurality of second Hash values corresponding to the second target Hash value are preprocessed at least once until the reconciliation is passed or the reconciliation is performed based on the first Hash value and the corresponding second Hash value. Since the reconciliation system does not need to compare the transaction detail data one by one, which ensures that the overall reconciliation efficiency is high. In the case of failing to reconcile, subdivision and reconciliation are performed again, that is, the reconciliation system of the application realizes the convergence process from the whole to the local, which can quickly converge the problematic transaction, thereby solving the problems of low efficiency and low reliability of the reconciliation method in the prior art.

[0111] 3) The banking system of this application includes a reconciliation system, which can be used to execute any of the reconciliation methods described above. In the reconciliation method, the reconciliation system receives multiple first hash values ​​sent by a first business system and multiple second hash values ​​sent by a second business system. Since the first hash value is obtained by hashing the corresponding transaction detail data by the first business system, and the second hash value is obtained by hashing the corresponding transaction detail data by the second business system, the first and second hash values ​​received by the reconciliation system are both data digest information, not the corresponding transaction detail data. This ensures that the length and complexity of the transaction detail data are low, and that transaction information is not easily leaked during data transmission, thus ensuring high data security. Simultaneously, the reconciliation system preprocesses the received multiple first hash values ​​and multiple second hash values, i.e., it groups and hashes the first hash values ​​and multiple second hash values, and then performs reconciliation based on the obtained first target hash value and second target hash value. If reconciliation fails, the system performs at least one more preprocessing step on the multiple first hash values ​​corresponding to the first target hash value and the multiple second hash values ​​corresponding to the second target hash value until reconciliation succeeds or reconciliation is performed based on the first hash value and its corresponding second hash value. Since the reconciliation system does not need to compare each transaction detail, this ensures high overall reconciliation efficiency. In cases of failed reconciliation, further subdivision and reconciliation are performed; that is, the reconciliation method of this application achieves a convergence process from the overall to the local, which can quickly identify problematic transactions, thus solving the problems of low efficiency and low reliability in existing reconciliation methods.

[0112] The above description is merely a preferred embodiment of this application and is not intended to limit this application. Various modifications and variations can be made to this application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the protection scope of this application.

Claims

1. A reconciliation method applied in a reconciliation system, characterized by, The reconciliation method comprises: receiving a plurality of first Hash values sent by a first service system and a plurality of second Hash values sent by a second service system, wherein the first service system is a system used by a payment user, the second service system is a system used by a collection user, the first Hash value is obtained by the first service system through hashing splicing corresponding transaction detail data, and the second Hash value is obtained by the second service system through hashing splicing corresponding transaction detail data; preprocessing a plurality of the first Hash values to obtain at least one first target Hash value and preprocessing a plurality of the second Hash values to obtain at least one second target Hash value, wherein the preprocessing comprises grouping processing and hashing splicing processing; based on the first target Hash value and the corresponding second target Hash value, reconciliation is performed, and in the case that reconciliation fails, the plurality of first Hash values and the plurality of second Hash values are again subjected to at least one preprocessing until a predetermined condition is reached, wherein the predetermined condition comprises at least one of the following: reconciliation passes after re-preprocessing, reconciliation based on the first Hash value and the corresponding second Hash value; the preprocessing of the plurality of first Hash values to obtain at least one first target Hash value comprises: grouping a plurality of the first Hash values according to a first predetermined rule to obtain at least one first Hash group, wherein the first Hash group comprises a plurality of the first Hash values, and the first predetermined rule is a rule of grouping according to a first predetermined time interval; hashing splicing a plurality of the first Hash values in at least one first Hash group to obtain at least one first target Hash value; the predetermined condition is that, in the case that reconciliation passes after re-preprocessing, the plurality of first Hash values and the plurality of second Hash values are again subjected to at least one preprocessing until a predetermined condition is reached, comprising: grouping a plurality of the first Hash values corresponding to the first target Hash value according to the grouping processing and the hashing splicing processing according to a second predetermined rule to obtain a plurality of first target sub-Hash values, and grouping a plurality of the second Hash values corresponding to the second target Hash value according to the grouping processing and the hashing splicing processing according to the second predetermined rule to obtain a plurality of second target sub-Hash values, wherein the second predetermined rule is a rule of grouping according to a second predetermined time interval, and the second predetermined time interval is less than the first predetermined time interval; in the case that each of the first target sub-Hash values and the corresponding second target sub-Hash values is the same, it is determined that reconciliation passes.

2. The reconciliation method of claim 1, wherein, The process that the first business system obtains the first Hash value by hashing and splicing corresponding transaction detail data comprises: the first business system hashing and splicing a first transaction element, a second transaction element and a third transaction element to obtain the corresponding first Hash value, wherein the first transaction element is composed of a serial number, a transaction type, a transaction state and a transaction amount, the second transaction element is a transaction time, and the third transaction element is composed of the transaction time, the serial number, a payment institution, a receiving institution and the transaction state.

3. The reconciliation method of claim 1, wherein, The process that the second business system obtains the second Hash value by hashing and splicing corresponding transaction detail data comprises: the second business system hashing and splicing a first transaction element, a second transaction element and a third transaction element to obtain the corresponding second Hash value, wherein the first transaction element is composed of a serial number, a transaction type, a transaction state and a transaction amount, the second transaction element is a transaction time, and the third transaction element is composed of the transaction time, the serial number, a payment institution, a receiving institution and the transaction state.

4. The reconciliation method of claim 1, wherein, The preprocessing of the plurality of second Hash values to obtain at least one second target Hash value comprises: grouping the plurality of second Hash values according to a first predetermined rule to obtain at least one second Hash group, wherein the second Hash group comprises a plurality of second Hash values, and the first predetermined rule is a rule of grouping according to a first predetermined time interval; hashing and splicing the plurality of second Hash values in at least one second Hash group to obtain at least one second target Hash value.

5. The reconciliation method according to any one of claims 1 to 4, characterized in that, In the case that the predetermined condition is based on the first Hash value and the corresponding second Hash value for reconciliation, the method further comprises: In the case that the reconciliation based on the first Hash value and the corresponding second Hash value fails, sending a reconciliation instruction to the first business system and the second business system respectively, wherein the reconciliation instruction carries the serial number, the transaction type, the transaction state and the transaction amount of the failed first Hash value and the second Hash value.

6. A reconciliation system characterized by, Comprise: a message receiving module configured to receive a plurality of first Hash values sent by a first business system and receive a plurality of second Hash values sent by a second business system, wherein the first business system is a system used by a payment user, the second business system is a system used by a receiving user, the first Hash value is obtained by hashing and splicing corresponding transaction detail data by the first business system, and the second Hash value is obtained by hashing and splicing corresponding transaction detail data by the second business system; The reconciliation module is configured to: perform preprocessing on the first Hash values to obtain at least one first target Hash value, and perform the preprocessing on the second Hash values to obtain at least one second target Hash value, the preprocessing including grouping processing and Hash splicing processing; The reconciliation module is configured to: perform reconciliation based on the first target Hash value and the corresponding second target Hash value, and in the case that the reconciliation fails, perform the preprocessing on the first Hash values and the second Hash values again for at least one time until a predetermined condition is reached, the predetermined condition including at least one of the following: the reconciliation passes after the preprocessing again, and the reconciliation is performed based on the first Hash value and the corresponding second Hash value; The reconciliation module includes: The analysis submodule is configured to: group the first Hash values according to a first predetermined rule to obtain at least one first Hash group, wherein the first Hash group includes the first Hash values, and the first predetermined rule is a rule of grouping according to a first predetermined time interval; and perform Hash splicing on the first Hash values in the at least one first Hash group to obtain at least one first target Hash value; The analysis submodule is further configured to: perform the grouping processing and the Hash splicing processing on the first Hash values corresponding to the first target Hash value according to a second predetermined rule to obtain a plurality of first target sub-Hash values, and perform the grouping processing and the Hash splicing processing on the second Hash values corresponding to the second target Hash value according to the second predetermined rule to obtain a plurality of second target sub-Hash values, wherein the second predetermined rule is a rule of grouping according to a second predetermined time interval, and the second predetermined time interval is less than the first predetermined time interval; The reconciliation submodule is configured to: determine that the reconciliation passes when each of the first target sub-Hash values is the same as the corresponding second target sub-Hash value.

7. A computer-readable storage medium, characterized in that, The computer readable storage medium includes a stored program, wherein the program performs the reconciliation method of any one of claims 1 to 5.

8. A banking system characterized by The system includes: The system includes: The system includes: The system includes:

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