Account auditing method and device, electronic equipment and computer readable medium

Abstract

The application discloses an account auditing method and device, electronic equipment and a computer readable medium, and relates to the technical field of big data processing. A specific embodiment of the method comprises: creating two real sub-accounts for each account respectively; constructing a tree-shaped hierarchical account according to the hierarchical relationship of each account and the two real sub-accounts of each account; wherein each node in the tree-shaped hierarchical account has two leaf nodes, the two leaf nodes correspond to the two real sub-accounts of each account respectively, and a non-leaf node corresponds to a virtual sub-account of each account; auditing each account according to the tree-shaped hierarchical account, and saving the auditing result into a data exception list. The embodiment can solve the technical problems of slow auditing speed and high auditing difficulty.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of big data processing, and in particular to an account auditing method and device, an electronic device and a computer readable medium. BACKGROUND

[0002] The business mode of traditional pre-sale fund supervision is various, such as mainly from contract entry, mainly from building or sales plan or project entry, and has a large difference from normal accounting system design, such as the accumulation fund is stored by individuals and withdrawn by individuals. The pre-sale fund supervision is generally extracted from the intermediate account level and stored in the bottom account level, which causes difficulty in checking the balance of the pre-sale fund supervision system itself. The account here refers to the system background account designed according to the actual business scene. The account is used to record the entry and exit records of the corresponding business object in the actual business system.

[0003] In the process of implementing the present application, the inventors found that there are at least the following problems in the prior art:

[0004] At present, the general account auditing method is to check according to the details, such as the entry and exit of the details equal to the balance of the current account. With the growth of the transaction volume, this kind of auditing method will become slower and slower. Moreover, with the cross of various accounting transactions such as entry, exit and refund of pre-sale fund business, the balance of the account in the system cannot be guaranteed, and the unbalanced transaction of the account cannot be audited in the first time. SUMMARY

[0005] Therefore, the embodiments of the present application provide an account auditing method, device, electronic device and computer readable medium to solve the technical problems of slow auditing speed and high auditing difficulty.

[0006] To achieve the above object, according to one aspect of the embodiments of the present application, an account auditing method is provided, comprising:

[0007] Two real sub-accounts are respectively created for each account;

[0008] A tree-shaped hierarchical account is constructed according to the hierarchical relationship of each account and the two real sub-accounts of each account. In the tree-shaped hierarchical account, each node has two leaf nodes, and the two leaf nodes correspond to the two real sub-accounts of each account. The non-leaf node corresponds to the virtual sub-account of each account.

[0009] According to the tree-shaped hierarchical account, each account is audited, and the auditing result is saved in a data exception list.

[0010] Optionally, the two real sub-accounts include an entry real sub-account and an exit real sub-account.

[0011] The leaf node corresponding to the account entry real sub-account is used for recording the account number of the account entry real sub-account, the account number of the upper virtual sub-account, the account entry details of the account entry real sub-account and the balance of the account entry real sub-account;

[0012] The leaf node corresponding to the account entry real sub-account is used for recording the account number of the account entry real sub-account, the account number of the upper virtual sub-account, the account entry details of the account entry real sub-account and the balance of the account entry real sub-account;

[0013] The non-leaf node corresponding to the virtual sub-account is used for recording the account number of the virtual sub-account, the account number of the upper virtual sub-account, the balance and the details of the virtual sub-account.

[0014] Optionally, according to the tree-like hierarchical account, each account is audited, and the auditing result is saved into a data exception list, including:

[0015] For any one level of virtual sub-account, according to the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the leaf node of the virtual sub-account, the virtual sub-account is audited;

[0016] The auditing result is saved into a data exception list.

[0017] Optionally, according to the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the leaf node of the virtual sub-account, the virtual sub-account is audited, including:

[0018] According to the account number of the virtual sub-account, the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the leaf node of the virtual sub-account are found;

[0019] According to the balance recorded by the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the balance recorded by the leaf node of the virtual sub-account, the virtual sub-account is audited.

[0020] Optionally, according to the balance recorded by the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the balance recorded by the leaf node of the virtual sub-account, the virtual sub-account is audited, including:

[0021] The balance of the lower virtual sub-account of the virtual sub-account is added to the balance of the account entry real sub-account of the virtual sub-account minus the balance of the account entry real sub-account of the virtual sub-account, so as to calculate the balance of the virtual sub-account;

[0022] It is judged whether the calculated balance of the virtual sub-account is consistent with the balance stored in the non-leaf node corresponding to the virtual sub-account, so as to obtain the auditing result of the virtual sub-account.

[0023] Optionally, according to the tree-like hierarchical account, each account is audited, and the auditing result is saved into a data exception list, including:

[0024] According to the tree-shaped hierarchical account, each account is audited layer by layer in the order from top to bottom or from bottom to top, and the auditing result is saved into a data exception list.

[0025] Optionally, the method further comprises:

[0026] receiving a deposit request, the deposit request carrying a target account and a deposit amount;

[0027] updating the balance of the deposit real sub-account corresponding to the target account, the balance of the virtual sub-account corresponding to the target account, and the balance of the upper virtual sub-account of the virtual sub-account according to the deposit amount.

[0028] Optionally, the method further comprises:

[0029] receiving a deposit request, the deposit request carrying a target account and a deposit amount;

[0030] updating the balance of the deposit real sub-account corresponding to the target account, the balance of the virtual sub-account corresponding to the target account, and the balance of the upper virtual sub-account of the virtual sub-account according to the deposit amount.

[0031] In addition, according to another aspect of an embodiment of the present application, an account auditing device is provided, comprising:

[0032] a creating module configured to create two real sub-accounts for each account respectively;

[0033] a constructing module configured to construct a tree-shaped hierarchical account according to the hierarchical relationship of each account and the two real sub-accounts of each account; wherein each node in the tree-shaped hierarchical account has two leaf nodes, the two leaf nodes respectively corresponding to the two real sub-accounts of each account, and a non-leaf node corresponding to a virtual sub-account of each account;

[0034] an auditing module configured to audit each account according to the tree-shaped hierarchical account, and save the auditing result into a data exception list.

[0035] Optionally, the two real sub-accounts comprise a deposit real sub-account and a withdrawal real sub-account;

[0036] the leaf node corresponding to the deposit real sub-account is configured to record the account number of the deposit real sub-account, the account number of the upper virtual sub-account, the deposit details of the deposit real sub-account, and the balance of the deposit real sub-account;

[0037] the leaf node corresponding to the withdrawal real sub-account is configured to record the account number of the withdrawal real sub-account, the account number of the upper virtual sub-account, the deposit details of the withdrawal real sub-account, and the balance of the withdrawal real sub-account;

[0038] The non-leaf node corresponding to the virtual sub-account is used for recording the account number of the virtual sub-account, the account number of the upper virtual sub-account, the balance of the virtual sub-account, and details.

[0039] Optionally, the auditing module is further configured to:

[0040] For any one level of virtual sub-account, according to the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the leaf node of the virtual sub-account, the virtual sub-account is audited.

[0041] The auditing result is saved into a data exception list.

[0042] Optionally, the auditing module is further configured to:

[0043] According to the account number of the virtual sub-account, the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the leaf node of the virtual sub-account are found.

[0044] According to the balance recorded in the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the balance recorded in the leaf node of the virtual sub-account, the virtual sub-account is audited.

[0045] Optionally, the auditing module is further configured to:

[0046] The balance of the lower virtual sub-account of the virtual sub-account is added to the balance of the in-account real sub-account of the virtual sub-account and subtracted from the balance of the out-account real sub-account of the virtual sub-account, so as to calculate the balance of the virtual sub-account.

[0047] It is judged whether the calculated balance of the virtual sub-account is consistent with the balance stored in the non-leaf node corresponding to the virtual sub-account, so as to obtain the auditing result of the virtual sub-account.

[0048] Optionally, the auditing module is further configured to:

[0049] According to the tree-like hierarchical account, each account is audited layer by layer in top-to-bottom or bottom-to-top order, and the auditing result is saved into a data exception list.

[0050] Optionally, further comprising a processing module configured to:

[0051] An in-account request is received, and the in-account request carries a target account and an in-account amount;

[0052] According to the in-account amount, the balance of the in-account real sub-account corresponding to the target account, the balance of the virtual sub-account corresponding to the target account, and the balance of the upper virtual sub-account of the virtual sub-account are updated.

[0053] Optionally, further comprising a processing module configured to:

[0054] receive a debit request, the debit request carrying a target account and a debit amount;

[0055] update a balance of a credit sub-account corresponding to the target account, a balance of a virtual sub-account corresponding to the target account, and a balance of a virtual sub-account corresponding to the virtual sub-account according to the debit amount.

[0056] According to another aspect of the embodiments of the present application, an electronic device is also provided, comprising:

[0057] one or more processors;

[0058] a storage device for storing one or more programs,

[0059] The one or more processors implement the method according to any of the above embodiments when the one or more programs are executed by the one or more processors.

[0060] According to another aspect of the embodiments of the present application, a computer readable medium is also provided, having a computer program stored thereon, the program being executed by a processor to implement the method according to any of the above embodiments.

[0061] According to another aspect of the embodiments of the present application, a computer program product is also provided, comprising a computer program, the computer program being executed by a processor to implement the method according to any of the above embodiments.

[0062] One embodiment of the above application has the following advantages or beneficial effects: because the technical means of creating two real sub-accounts for each account respectively, and constructing a tree-like hierarchical account according to the hierarchical relationship of each account and the two real sub-accounts of each account, the technical problems of slow and difficult auditing in the prior art are overcome. The embodiment of the present application can improve the account auditing performance, register balance information according to the actual business income and expenditure direction from the corresponding credit sub-account, debit sub-account, and modify the corresponding virtual sub-account balance information, and perform balance auditing of all virtual sub-accounts before the end of each day. The impact of inventory data details can be avoided, the efficiency and accuracy of account auditing can be improved, and early warning of unbalanced accounts can be performed. Moreover, there is less redundant information, the superior-inferior relationship of accounts at all levels is convenient for balance auditing of each account, and the balance of accounts is maximally guaranteed.

[0063] The further effects of the above non-conventional optional mode will be described in the following in combination with the specific embodiments. BRIEF DESCRIPTION OF DRAWINGS

[0064] In order to make the technical solutions of the embodiments of the present application or the prior art clearer, the accompanying drawings needed in the embodiments or prior art description will be briefly introduced. Obviously, the accompanying drawings in the following description only aim to some embodiments of the present application, and other drawings can be obtained by those skilled in the art without any creative effort on the basis of these drawings. Among them:

[0065] Figure 1 is a flowchart of an account auditing method according to an embodiment of the present application;

[0066] Figure 2 is a structural schematic diagram of a tree-level account according to an embodiment of the present application;

[0067] Figure 3 is a structural schematic diagram of a tree-level account for real estate supervision according to an embodiment of the present application;

[0068] Figure 4 is a flowchart of an account auditing method according to a reference embodiment of the present application;

[0069] Figure 5 is a balance change schematic diagram of a tree-level account in a depositing scenario according to an embodiment of the present application;

[0070] Figure 6 is a flowchart of an account auditing method according to another reference embodiment of the present application;

[0071] Figure 7 is a balance change schematic diagram of a tree-level account in a withdrawing scenario according to an embodiment of the present application;

[0072] Figure 8 is an auditing flowchart of a tree-level account in an auditing scenario according to an embodiment of the present application;

[0073] Figure 9 is a schematic diagram of an account auditing device according to an embodiment of the present application;

[0074] Figure 10 is an exemplary system architecture diagram to which embodiments of the present application can be applied;

[0075] Figure 11 is a structural schematic diagram of a computer system of a terminal device or a server suitable for implementing embodiments of the present application. DETAILED DESCRIPTION

[0076] Exemplary embodiments of the present application are described herein below with reference to the accompanying drawings, in which various details are set forth to provide an understanding of various details of the embodiments of the present application. However, it will be apparent to those of ordinary skill in the art that various changes in the embodiments described herein can be made without departing from the scope and spirit of the application. Also, the description set forth herein focuses on the functioning of the application as an aid in understanding the application. Thus, it will be apparent to a person of ordinary skill in the art that the functions of the application can be implemented in different manners from those described herein without departing from the scope and spirit of the application. For the sake of clarity and conciseness, the description below omits descriptions of well-known functions and structures.

[0077] It should be noted that the collection, analysis, use, transmission, storage, etc. of user personal information involved in the technical solutions of the present application comply with relevant laws and regulations, are used for legal and reasonable purposes, are not shared, disclosed, or sold outside these legal uses, and are subject to supervision and management by regulatory authorities. Necessary measures should be taken to protect such personal information data from illegal access, to ensure that personnel with access to personal information data comply with relevant laws and regulations, and to ensure the security of user personal information. Once such user personal information data is no longer needed, the risk should be minimized by limiting or even prohibiting data collection and / or deleting the data.

[0078] When applicable, including in certain related applications, user privacy is protected by de-identifying data, such as by removing specific identifiers (e.g., account numbers, names, amounts, etc.), controlling the amount or specificity of data stored, controlling how data is stored, and / or other methods of de-identification, as applicable.

[0079] Figure 1 is a flowchart of an account auditing method according to an embodiment of the present application. As one embodiment of the present application, as shown in Figure 1 the account auditing method can include:

[0080] Step 101, two real sub-accounts are created for each account, respectively.

[0081] First, two real sub-accounts are created for each account, respectively, including a credit real sub-account and a debit real sub-account. The real sub-account is the smallest unit of a regulated account, and each fund movement is reflected in the corresponding real sub-account. For example, two real sub-accounts are set up for each account (developer account, regulatory project account, pre-sale license account, building account, house account, contract account), one credit real account and one debit real account. For each account, the balance of the account = the balance of the credit real sub-account of the account - the balance of the debit real sub-account of the account.

[0082] Step 102, constructing a tree-like hierarchical account according to the hierarchical relationship of each account and the two real sub-accounts of each account; wherein in the tree-like hierarchical account, each node has two leaf nodes, and the two leaf nodes correspond to the two real sub-accounts of each account respectively, and the non-leaf node corresponds to the virtual sub-account of each account.

[0083] As shown in Figure 2 , a tree-like hierarchical account is constructed according to the hierarchical relationship of each account and the two real sub-accounts of each account, which can include a developer account, a supervised project account, a pre-sale license account, a building account, a house account, a contract account, etc. Wherein the leaf node corresponding to the account real sub-account is used to record the account number of the account real sub-account, the account number of the upper virtual sub-account, the account details and balance of the account real sub-account; the leaf node corresponding to the account real sub-account is used to record the account number of the account real sub-account, the account number of the upper virtual sub-account, the account details and balance of the account real sub-account; the non-leaf node corresponding to the virtual sub-account is used to record the account number of the virtual sub-account, the account number of the upper virtual sub-account, the balance and details of the virtual sub-account. That is, when the balance of the account real sub-account or the account real sub-account changes, the balance of the upper virtual sub-account will also change.

[0084] Generally speaking, the actual business objects involved in the pre-sale fund supervision include developers, projects, pre-sale licenses, buildings, houses, and contracts. According to the hierarchical relationship of these corresponding business objects, corresponding developer accounts, supervised project accounts, pre-sale license accounts, building accounts, house accounts, and contract accounts can be divided. A development enterprise can have multiple projects, a project can have multiple sales plans, and a sales plan can sell multiple buildings. A building can also be sold in multiple sales plans, and a house can only belong to a building under a sales plan. These specific business relationships are mapped according to the pre-sale fund supervision rules of each city. According to the analysis of these supervision systems, the corresponding supervision account hierarchy can be obtained. For example, as shown in Figure 3 , in the hierarchical relationship of the tree-like hierarchical account, the developer virtual sub-account is higher than the project virtual sub-account, the project virtual sub-account is higher than the building virtual sub-account, and the building virtual sub-account is higher than the contract virtual sub-account.

[0085] It should be noted that when the virtual sub-account is opened, two lower-level real sub-accounts, the account real sub-account and the account real sub-account, are opened by default to reflect the cash-out and cash-in of the virtual sub-account. The cash-out of the virtual sub-account corresponds to the account real sub-account record flow and balance change, and the cash-in of the virtual sub-account corresponds to the account real sub-account record flow and balance change.

[0086] Step 103, auditing each account according to the tree-like hierarchical account, and saving the audit results to a data exception list.

[0087] Specifically, as shown in Figure 2 The auditing of each account can be performed according to the tree hierarchy account in a top-to-bottom or bottom-to-top order, and the auditing result can be saved into the data exception list. Optionally, step 103 can be performed at the end of each day.

[0088] Optionally, step 103 can include: for any one level of virtual sub-account, auditing the virtual sub-account according to the non-leaf node corresponding to the lower level virtual sub-account of the virtual sub-account and the leaf node of the virtual sub-account; and saving the auditing result into the data exception list. Since in the tree hierarchy account, each two virtual sub-accounts have an upper and lower level relationship, when auditing a virtual sub-account at a certain level, the virtual sub-account is audited according to the non-leaf node corresponding to the lower level virtual sub-account of the virtual sub-account and the leaf node of the virtual sub-account, and the auditing result is saved into the data exception list for technicians to investigate problems and give early warning of the unbalanced account.

[0089] Optionally, auditing the virtual sub-account according to the non-leaf node corresponding to the lower level virtual sub-account of the virtual sub-account and the leaf node of the virtual sub-account includes: searching the non-leaf node corresponding to the lower level virtual sub-account of the virtual sub-account and the leaf node of the virtual sub-account according to the account number of the virtual sub-account; and auditing the virtual sub-account according to the balance recorded in the non-leaf node corresponding to the lower level virtual sub-account of the virtual sub-account and the balance recorded in the leaf node of the virtual sub-account. Since the leaf node of the in-account real sub-account records the account number of the in-account real sub-account, the account number of the upper level virtual sub-account, the in-account detail and the balance of the in-account real sub-account, the leaf node of the out-account real sub-account records the account number of the out-account real sub-account, the account number of the upper level virtual sub-account, the in-account detail and the balance of the out-account real sub-account, and the non-leaf node of the virtual sub-account records the account number of the virtual sub-account, the account number of the upper level virtual sub-account, the balance and the detail of the virtual sub-account, first, the non-leaf node corresponding to the lower level virtual sub-account of the virtual sub-account and the leaf node of the virtual sub-account are searched according to the account number of the virtual sub-account to be audited, and then the virtual sub-account is audited according to the balance recorded in the non-leaf node corresponding to the lower level virtual sub-account of the virtual sub-account and the balance recorded in the leaf node (the leaf node of the in-account real sub-account and the leaf node of the out-account real sub-account) of the virtual sub-account.

[0090] Optionally, auditing the virtual sub-account according to the balance recorded in the non-leaf node corresponding to the lower level virtual sub-account of the virtual sub-account and the balance recorded in the leaf node of the virtual sub-account includes: adding the balance of the lower level virtual sub-account of the virtual sub-account to the balance of the in-account real sub-account of the virtual sub-account and subtracting the balance of the out-account real sub-account of the virtual sub-account, thereby calculating the balance of the virtual sub-account; and judging whether the calculated balance of the virtual sub-account is consistent with the balance stored in the non-leaf node corresponding to the virtual sub-account, thereby obtaining the auditing result of the virtual sub-account.

[0091] According to the various embodiments described above, it can be seen that the embodiments of the present application solve the technical problems of slow and difficult auditing in the prior art by creating two real sub-ledgers for each account, respectively, constructing a tree-like hierarchical account according to the hierarchical relationship of each account and the two real sub-ledgers of each account, and auditing each account by technical means. The embodiments of the present application can improve the account auditing performance, register balance information in the corresponding entry real sub-ledger and exit real sub-ledger according to the actual business income and expenditure direction, modify the balance information of the corresponding virtual sub-ledger, balance the balance of all virtual sub-ledgers before the end of each day, avoid the impact of inventory data details, improve the efficiency and accuracy of account auditing, and provide early warning for accounts with unbalanced auditing. Moreover, there is less redundant information, the hierarchical relationship of the accounts at all levels is convenient for balancing and auditing each account, and the account balance is guaranteed to the greatest extent.

[0092] Figure 4 is a flowchart of an account auditing method according to an embodiment of the present application. As another embodiment of the present application, as shown in Figure 4 , the account auditing method can include:

[0093] Step 401, two real sub-ledgers are created for each account, respectively.

[0094] Two real sub-ledgers are created for each account, respectively, including an entry real sub-ledger and an exit real sub-ledger. The real sub-ledger is the smallest regulatory account unit, and each fund change is reflected in the corresponding real sub-ledger. For each account, the balance of the account = the balance of the entry real sub-ledger of the account - the balance of the exit real sub-ledger of the account.

[0095] Step 402, a tree-like hierarchical account is constructed according to the hierarchical relationship of each account and the two real sub-ledgers of each account. In the tree-like hierarchical account, each node has two leaf nodes, and the two leaf nodes correspond to the two real sub-ledgers of each account, respectively. The non-leaf node corresponds to the virtual sub-ledger of each account.

[0096] Step 403, an entry request is received, and the entry request carries a target account and an entry amount.

[0097] Step 404, the balance of the entry real sub-ledger corresponding to the target account, the balance of the virtual sub-ledger corresponding to the target account, and the balance of the upper virtual sub-ledger of the virtual sub-ledger are updated according to the entry amount.

[0098] In the embodiments of the present application, the corresponding entry is initiated according to the actual business mode, and after the leaf node account (i.e., the entry real sub-ledger) registers the balance and details, the balance and details are sequentially registered in the node corresponding to the upper virtual sub-ledger.

[0099] As Figure 5 shown, in the entry scenario, the developer A triggers the entry of 10 million of a contract YS001 under a building #1 of a pre-sale project P001 through a fund entry transaction, the entry real sub-account under the contract YS001 virtual sub-account is first entered and the balance is updated, and then the balance and details of the contract YS001 real sub-account, the building #1 virtual sub-account, the project P001 virtual sub-account, and the developer A virtual sub-account are registered in sequence.

[0100] Step 405, auditing each account according to the tree-level account, and saving the auditing result into a data exception list.

[0101] In addition, the specific implementation of the account auditing method in the embodiment of the present application has been described in detail in the above account auditing method, and thus the repeated content is not described herein.

[0102] Figure 6 is a flowchart of the account auditing method according to another embodiment of the present application. As Figure 6 shown, the account auditing method can include:

[0103] Step 601, creating two real sub-accounts for each account respectively.

[0104] Two real sub-accounts are created for each account respectively, including an entry real sub-account and an exit real sub-account, and the real sub-account is the smallest regulatory account unit, and each fund change is embodied by the real sub-account. For each account, the balance of the account = the entry real sub-account balance of the account - the exit real sub-account balance of the account.

[0105] Step 602, constructing a tree-level account according to the hierarchical relationship of each account and the two real sub-accounts of each account. In the tree-level account, each node has two leaf nodes, and the two leaf nodes correspond to the two real sub-accounts of each account respectively, and the non-leaf node corresponds to the virtual sub-account of each account.

[0106] Step 603, receiving an exit request, the exit request carrying a target account and an exit amount;

[0107] Step 604, updating the balance of the exit real sub-account corresponding to the target account, the balance of the virtual sub-account corresponding to the target account, and the balance of the upper virtual sub-account of the virtual sub-account according to the exit amount.

[0108] In the embodiment of the present application, the corresponding exit is initiated according to the actual business mode, and after the leaf node account (i.e. the exit real sub-account) registers the balance and details, the balance and details are registered to the nodes corresponding to the upper virtual sub-accounts in sequence.

[0109] As Figure 7 shown, in the account debiting scenario, the developer A extracts 3 million of the #1 building through the fund extraction transaction, the account debiting real account under the virtual account of the #1 building debits first and updates the balance, and then the balance and details of the virtual account of the #1 building, the virtual account of the project P001 and the virtual account of the developer A are registered in sequence.

[0110] In step 605, according to the tree-level account, each account is audited, and the auditing result is saved to the data exception list.

[0111] According to the tree-level account, the superior and inferior account balance auditing rule can be generated:

[0112] Virtual account balance = lower virtual account balance + account balance of the account debiting real account of the virtual account - account balance of the account crediting real account of the virtual account

[0113] In this way, the account transaction of the system can be more conveniently audited, and the regulatory business system can conveniently find the account imbalance problem in advance.

[0114] As Figure 8 shown, in the end-of-day auditing scenario: the account balance balance verification is performed in sequence for the virtual account, that is, the nodes with the account property of 0 are audited and verified. Among them, the account property of 0 represents a virtual account, the account property of 1 represents an account debiting real account, and the account property of 2 represents an account crediting real account.

[0115] For example, the current balance of the project P001 virtual account XM001 is 7 million, and the real account and virtual account of the upper virtual account number XM001 are processed in sequence, that is, the lower account corresponding to XM001 is 700 million + 50 million - 0 = 750 million, which is not equal to the virtual account balance of XM001, so the project P001 virtual account is a problem node, and is automatically recorded to the data exception list for the technical personnel to troubleshoot the problem.

[0116] In addition, in another embodiment of the account auditing method of the present application, the specific implementation content of the account auditing method has been described in detail above, and therefore the repeated content will not be described here.

[0117] Figure 9 is a schematic diagram of an account auditing device according to an embodiment of the present application. As Figure 5As shown, the account auditing device 900 comprises a creating module 901, a building module 902 and an auditing module 903; the creating module 901 is configured to create two real sub-accounts for each account respectively; the building module 902 is configured to build a tree-like hierarchical account according to the hierarchical relationship of each account and the two real sub-accounts of each account; in the tree-like hierarchical account, each node has two leaf nodes, the two leaf nodes correspond to the two real sub-accounts of each account respectively, and a non-leaf node corresponds to a virtual sub-account of each account; the auditing module 903 is configured to audit each account according to the tree-like hierarchical account, and save the auditing result into a data exception list.

[0118] Optionally, the two real sub-accounts comprise a depositing real sub-account and a withdrawing real sub-account.

[0119] The leaf node corresponding to the depositing real sub-account is configured to record the account number of the depositing real sub-account, the account number of the upper virtual sub-account, the depositing details of the depositing real sub-account and the balance.

[0120] The leaf node corresponding to the withdrawing real sub-account is configured to record the account number of the withdrawing real sub-account, the account number of the upper virtual sub-account, the depositing details of the withdrawing real sub-account and the balance.

[0121] The non-leaf node corresponding to the virtual sub-account is configured to record the account number of the virtual sub-account, the account number of the upper virtual sub-account, the balance and the details of the virtual sub-account.

[0122] Optionally, the auditing module 903 is further configured to:

[0123] For any one hierarchical virtual sub-account, the virtual sub-account is audited according to the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the leaf node of the virtual sub-account.

[0124] The auditing result is saved into the data exception list.

[0125] Optionally, the auditing module 903 is further configured to:

[0126] The non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the leaf node of the virtual sub-account are searched according to the account number of the virtual sub-account.

[0127] The virtual sub-account is audited according to the balance recorded by the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the balance recorded by the leaf node of the virtual sub-account.

[0128] Optionally, the auditing module 903 is further configured to:

[0129] adding the balance of the lower virtual sub-account of the virtual sub-account to the balance of the credit real sub-account of the virtual sub-account minus the balance of the debit real sub-account of the virtual sub-account, thereby calculating the balance of the virtual sub-account;

[0130] determining whether the calculated balance of the virtual sub-account is consistent with the balance stored in the non-leaf node corresponding to the virtual sub-account, thereby obtaining the audit result of the virtual sub-account.

[0131] Optionally, the audit module 903 is further configured to:

[0132] in a top-to-bottom or bottom-to-top order, according to the tree-like hierarchical account, auditing each account layer by layer, and saving the audit result into a data exception list.

[0133] Optionally, the account auditing device further comprises a processing module configured to:

[0134] receive a credit request, the credit request carrying a target account and a credit amount;

[0135] update the balance of the credit real sub-account corresponding to the target account, the balance of the virtual sub-account corresponding to the target account, and the balance of the upper virtual sub-account of the virtual sub-account according to the credit amount.

[0136] Optionally, the account auditing device further comprises a processing module configured to:

[0137] receive a debit request, the debit request carrying a target account and a debit amount;

[0138] update the balance of the credit real sub-account corresponding to the target account, the balance of the virtual sub-account corresponding to the target account, and the balance of the upper virtual sub-account of the virtual sub-account according to the debit amount.

[0139] It should be noted that the specific implementation of the account auditing device of the present application has been described in detail in the above account auditing method, and therefore the repeated content will not be described here.

[0140] Figure 10 An exemplary system architecture 1000 to which embodiments of the present application can be applied is shown.

[0141] As shown in Figure 10 the system architecture 1000 can include terminal devices 1001, 1002, 1003, a network 1004 and a server 1005. The network 1004 is a medium for providing a communication link between the terminal devices 1001, 1002, 1003 and the server 1005. The network 1004 can include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0142] The user can use the terminal devices 1001, 1002, and 1003 to interact with the server 1005 through the network 1004 to receive or send messages, etc. Various communication client applications can be installed on the terminal devices 1001, 1002, and 1003, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only as examples).

[0143] The terminal devices 1001, 1002, and 1003 can be various electronic devices with display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, etc.

[0144] The server 1005 can be a server providing various services, such as a background management server providing support for a user to browse a shopping website using the terminal devices 1001, 1002, and 1003 (only as an example). The background management server can analyze and process received item information query requests, etc., and feed back the processing results to the terminal devices.

[0145] It should be noted that the account auditing method provided by the embodiments of the present application is generally executed by the server 1005, and accordingly, the account auditing apparatus is generally arranged in the server 1005.

[0146] It should be understood that, Figure 10 The number of terminal devices, networks, and servers in the above description is only illustrative. Any number of terminal devices, networks, and servers can be provided according to the implementation needs.

[0147] Reference is made to Figure 11 which shows a structural schematic diagram of a computer system 1100 of a terminal device suitable for implementing the embodiments of the present application. Figure 11 The terminal device shown is only an example and should not bring any limitation to the functions and use range of the embodiments of the present application.

[0148] As shown in Figure 11 , the computer system 1100 includes a central processing unit (CPU) 1101 which can perform various appropriate actions and processes according to programs stored in a read-only memory (ROM) 1102 or loaded from a storage portion 1108 into a random access memory (RAM) 1103. Various programs and data required for the operation of the system 1100 are also stored in the RAM 1103. The CPU 1101, the ROM 1102, and the RAM 1103 are connected to each other through a bus 1104. An input / output (I / O) interface 1105 is also connected to the bus 1104.

[0149] The following components are connected to the I / O interface 1105: an input part 1106 including a keyboard, a mouse, etc.; an output part 1107 including a display such as a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage part 1108 including a hard disk, etc.; and a communication part 1109 including a network interface card such as a LAN card, a modem, etc. The communication part 1109 performs communication processing via a network such as the Internet. A drive 1110 is also connected to the I / O interface 1105 as necessary. A removable media 1111 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc. is attached to the drive 1110 as necessary, so that a computer program read out therefrom is installed in the storage part 1108 as necessary.

[0150] In particular, the processes described above with reference to the flowcharts can be implemented as a computer software program in accordance with the embodiments disclosed herein. For example, the embodiments disclosed herein include a computer program comprising a computer program carried on a computer readable medium, the computer program containing program code for executing the methods illustrated by the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network by the communication part 1119, and / or installed from the removable media 1111. When the computer program is executed by the central processing unit (CPU) 1101, the above-described functions defined in the system of the present invention are executed.

[0151] It should be noted that the computer-readable medium shown in the present application can be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may, for example, but is not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or instrument, or any combination of the above. More specific examples of computer-readable storage media can include, but are not limited to, an electrical connection with one or more conductive wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, the computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, device or instrument. In the present application, the computer-readable signal medium can include a data signal propagating in a baseband or as a carrier wave part of a carrier wave, in which computer-readable program code is carried. Such a propagating data signal can take various forms, including but not limited to electromagnetic signals, optical signals or any suitable combination of the above. The computer-readable signal medium can also be any computer-readable medium other than the computer-readable storage medium, which can send, propagate or transmit a program for use by or in conjunction with an instruction execution system, device or instrument. The program code contained on the computer-readable medium can be transmitted by any suitable medium, including but not limited to wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0152] The flowcharts and block diagrams in the drawings illustrate the possible implementation architectures, functions and operations of the systems, methods and computer programs according to various embodiments of the present application. In this regard, each block in the flowchart or block diagram can represent a module, a program segment or a part of code containing one or more executable instructions for implementing the specified logical functions. It should also be noted that in some alternative implementations, the functions noted in the blocks can occur in different order than that shown in the drawings. For example, two blocks that are shown in succession can actually be executed substantially in parallel, and they can also be executed in reverse order, depending on the functions involved. It should also be noted that each block in the block diagram or flowchart, and the combination of blocks in the block diagram or flowchart, can be implemented by a dedicated hardware-based system that performs the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0153] The modules described in the embodiments of the present application can be implemented in the form of software or in the form of hardware. The modules described can also be arranged in a processor, for example, a processor can be described as including a creating module, a constructing module and an auditing module, wherein the names of the modules do not constitute a limitation on the modules themselves in some cases.

[0154] As another aspect, the present application also provides a computer readable medium, which can be included in the device described in the above embodiments, or can exist independently without being assembled into the device. The computer readable medium carries one or more programs, when the one or more programs are executed by the device, the device implements the following method: creating two real sub-accounts for each account respectively; constructing a tree-like hierarchical account according to the hierarchical relationship of each account and the two real sub-accounts of each account; wherein each node in the tree-like hierarchical account has two leaf nodes, the two leaf nodes correspond to the two real sub-accounts of each account respectively, and a non-leaf node corresponds to a virtual sub-account of each account; auditing each account according to the tree-like hierarchical account, and saving the auditing result into a data exception list.

[0155] As another aspect, the embodiments of the present application also provide a computer program product, which includes a computer program, and the computer program is executed by a processor to implement the method described in any of the above embodiments.

[0156] According to the technical scheme of the embodiments of the present application, because the technical means of creating two real sub-accounts for each account respectively, constructing a tree-like hierarchical account according to the hierarchical relationship of each account and the two real sub-accounts of each account, and auditing each account, the technical problems of slow auditing speed and high auditing difficulty in the prior art are overcome. The embodiments of the present application can improve the account auditing performance, register balance information according to the actual business income and expenditure direction from the corresponding account-in real sub-account and account-out real sub-account, modify the corresponding virtual sub-account balance information, and perform balance auditing on all virtual sub-accounts before the end of each day. The influence of inventory data details can be avoided, the efficiency and accuracy of account auditing can be improved, and early warning of accounts with unbalanced auditing can be performed. Moreover, there is less redundant information, the superior-inferior relationship of accounts at all levels is convenient for balance auditing of each account, and the balance of accounts is guaranteed to the greatest extent.

[0157] The above specific embodiments do not constitute a limitation on the protection scope of the present application. Those skilled in the art should understand that various modifications, combinations, sub-combinations and substitutions can be made depending on design requirements and other factors. Any modification, equivalent replacement and improvement made within the spirit and principles of the present application shall fall within the scope of the present application.

Claims

1. An account auditing method, characterized by, The method comprises the following steps: creating two real sub-accounts for each account respectively; constructing a tree-like hierarchical account according to the hierarchical relationship of each account and the two real sub-accounts of each account; wherein in the tree-like hierarchical account, each node has two leaf nodes, and the two leaf nodes correspond to the two real sub-accounts of each account respectively, and a non-leaf node corresponds to a virtual sub-account of each account; auditing each account according to the tree-like hierarchical account, and saving the auditing result into a data exception list; the two real sub-accounts comprise an account-in real sub-account and an account-out real sub-account; the leaf node corresponding to the account-in real sub-account is used for recording the account number of the account-in real sub-account, the account number of the upper virtual sub-account, the account-in details of the account-in real sub-account and the balance of the account-in real sub-account; the leaf node corresponding to the account-out real sub-account is used for recording the account number of the account-out real sub-account, the account number of the upper virtual sub-account, the account-in details of the account-out real sub-account and the balance of the account-out real sub-account; the non-leaf node corresponding to the virtual sub-account is used for recording the account number of the virtual sub-account, the account number of the upper virtual sub-account, the balance and the details of the virtual sub-account.

2. The method of claim 1, wherein, The auditing of each account according to the tree-like hierarchical account and the saving of the auditing result into a data exception list comprise: for any one hierarchical virtual sub-account, auditing the virtual sub-account according to the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the leaf node of the virtual sub-account; saving the auditing result into a data exception list.

3. The method of claim 2, wherein, The auditing of the virtual sub-account according to the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the leaf node of the virtual sub-account comprises: finding the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the leaf node of the virtual sub-account according to the account number of the virtual sub-account; auditing the virtual sub-account according to the balance recorded by the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the balance recorded by the leaf node of the virtual sub-account.

4. The method of claim 3, wherein, The auditing of the virtual sub-account according to the balance recorded by the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the balance recorded by the leaf node of the virtual sub-account comprises: adding the balance of the lower virtual sub-account of the virtual sub-account to the balance of the account-in real sub-account of the virtual sub-account and subtracting the balance of the account-out real sub-account of the virtual sub-account, so as to calculate the balance of the virtual sub-account; judging whether the calculated balance of the virtual sub-account is consistent with the balance stored in the non-leaf node corresponding to the virtual sub-account, so as to obtain the auditing result of the virtual sub-account.

5. The method of claim 1, wherein, The auditing of each account according to the tree-like hierarchical account and the saving of the auditing result into a data exception list comprise: in the order from top to bottom or from bottom to top, auditing each account layer by layer according to the tree-like hierarchical account, and saving the auditing result into a data exception list.

6. The method of claim 1, wherein, The method further comprises the following steps: receiving an account-in request, wherein the account-in request carries a target account and an account-in amount; updating the balance of the account-in real sub-account corresponding to the target account, the balance of the virtual sub-account corresponding to the target account, and the balance of the upper virtual sub-account of the virtual sub-account according to the account-in amount.

7. The method of claim 1, wherein, The method further comprises the following steps: receiving an account-out request, wherein the account-out request carries a target account and an account-out amount; According to the debiting amount, the balance of the corresponding in-account real sub-account of the target account, the balance of the corresponding virtual sub-account of the target account, and the balance of the upper virtual sub-account of the virtual sub-account are updated.

8. An account auditing apparatus, characterized by comprising: Comprise: A creating module, configured to create two real sub-accounts for each account respectively; A constructing module, configured to construct a tree-shaped hierarchical account according to the hierarchical relationship of each account and the two real sub-accounts of each account; wherein, in the tree-shaped hierarchical account, each node has two leaf nodes, the two leaf nodes correspond to the two real sub-accounts of each account respectively, and a non-leaf node corresponds to a virtual sub-account of each account; An auditing module, configured to audit each account according to the tree-shaped hierarchical account, and save the auditing result into a data exception list; The two real sub-accounts comprise an in-account real sub-account and a debiting real sub-account; The leaf node corresponding to the in-account real sub-account is used to record the account number of the in-account real sub-account, the account number of the upper virtual sub-account, the in-account details of the in-account real sub-account, and the balance of the in-account real sub-account; The leaf node corresponding to the debiting real sub-account is used to record the account number of the debiting real sub-account, the account number of the upper virtual sub-account, the in-account details of the debiting real sub-account, and the balance of the debiting real sub-account; The non-leaf node corresponding to the virtual sub-account is used to record the account number of the virtual sub-account, the account number of the upper virtual sub-account, the balance of the virtual sub-account, and the details of the virtual sub-account.

9. The apparatus of claim 8, wherein, The auditing module is further configured to: For any one hierarchical virtual sub-account, according to the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the leaf node of the virtual sub-account, the virtual sub-account is audited; The auditing result is saved into the data exception list.

10. The apparatus of claim 9, wherein, The auditing module is further configured to: According to the account number of the virtual sub-account, the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the leaf node of the virtual sub-account are found; According to the balance recorded by the non-leaf node corresponding to the lower virtual sub-account of the virtual sub-account and the balance recorded by the leaf node of the virtual sub-account, the virtual sub-account is audited.

11. The apparatus of claim 10, wherein, The auditing module is further configured to: The balance of the lower virtual sub-account of the virtual sub-account is added to the balance of the in-account real sub-account of the virtual sub-account, and the balance of the debiting real sub-account of the virtual sub-account is subtracted, so as to calculate the balance of the virtual sub-account; It is judged whether the calculated balance of the virtual sub-account is consistent with the balance stored in the non-leaf node corresponding to the virtual sub-account, so as to obtain the auditing result of the virtual sub-account.

12. The apparatus of claim 8, wherein, The auditing module is further configured to: According to the tree-shaped hierarchical account, the each account is audited layer by layer in top-to-bottom or bottom-to-top order, and the auditing result is saved into the data exception list.

13. The apparatus of claim 8, wherein, Further comprising a processing module, configured to: receive an in-account request, the in-account request carrying a target account and an in-account amount; According to the in-account amount, the balance of the corresponding in-account real sub-account of the target account, the balance of the corresponding virtual sub-account of the target account, and the balance of the upper virtual sub-account of the virtual sub-account are updated.

14. The apparatus of claim 8, wherein, Further comprising a processing module, configured to: receive a debiting request, the debiting request carrying a target account and a debiting amount; According to the debiting amount, the balance of the in-coming account real sub-ledger corresponding to the target account, the balance of the virtual sub-ledger corresponding to the target account, and the balance of the upper virtual sub-ledger of the virtual sub-ledger are updated.

15. An electronic device, comprising: comprising: one or more processors; a memory device for storing one or more programs, when the one or more programs are executed by the one or more processors, the one or more processors implement the method of any one of claims 1-7.

16. A computer readable medium having stored thereon a computer program, characterized in that, The program is executed by the processor to implement the method of any one of claims 1-7.

17. A computer program product comprising a computer program, characterized in that, The computer program is executed by the processor to implement the method of any one of claims 1-7.

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