Financial transaction full-link real-time account checking method and device, computer equipment and storage medium

Abstract

The embodiment of the invention discloses a financial transaction full-link real-time account checking method and device, computer equipment and a storage medium. The method comprises the following steps: acquiring a transaction message of an online system in real time; cleaning and preprocessing the transaction message, and performing streaming storage; performing rule routing according to the characteristics of the transaction message, triggering a corresponding reconciliation rule, and performing reconciliation logic operation to obtain a reconciliation operation result; and when the account checking operation result is abnormal, generating an alarm notice, and sending the alarm notice to the terminal, so that business personnel of the terminal perform corresponding processing and feed back the result. By implementing the method provided by the embodiment of the invention, transaction data checking can consider both opportunity and range, and double challenges of opportunity and range are solved.

Description

Technical Field

[0001] The present invention relates to a reconciliation method, and more specifically to a full-link real-time reconciliation method, device, computer equipment and storage medium for financial transactions. Background Art

[0002] The scale of financial industry transactions is large and complex. Today's financial transaction links are getting longer and longer, and transaction data is inevitably lost or erroneous between many systems. In order to ensure the normal operation of financial business, it is extremely important to check the consistency of data between transaction link systems and detect problems in a timely manner.

[0003] The data consistency verification scheme for traditional financial business transactions has two deficiencies, namely, the timing and scope of verification. First, the verification is usually conducted in batches at the end of the day, which lacks real-time performance, and the corresponding risk discovery does not meet the financial-level real-time requirements. Second, the verification scope is mainly concentrated on core accounting data, and it is impossible to fully verify the consistency of the entire link data.

[0004] Therefore, it is necessary to design a new method to achieve transaction data verification that takes into account both timing and scope and solve the dual challenges of timing and scope. Summary of the invention

[0005] The purpose of the present invention is to overcome the defects of the prior art and provide a method, device, computer equipment and storage medium for real-time reconciliation of the entire link of financial transactions.

[0006] To achieve the above-mentioned purpose, the present invention adopts the following technical solution: a financial transaction full-link real-time reconciliation method, comprising:

[0007] Collect transaction messages from online systems in real time;

[0008] Cleaning and preprocessing the transaction message, and performing streaming storage;

[0009] Perform rule routing according to the characteristics of the transaction message, trigger the corresponding reconciliation rule, and perform reconciliation logic operation to obtain the reconciliation operation result;

[0010] When the reconciliation operation result shows an abnormality, an alarm notification is generated and sent to the terminal, so that the business personnel of the terminal can handle it accordingly and feedback the result.

[0011] Its further technical solution is: after performing rule routing according to the characteristics of the transaction message, triggering the corresponding reconciliation rule, and performing reconciliation logic operation to obtain the reconciliation operation result, it also includes:

[0012] The reconciliation operation result is stored in a time series database.

[0013] Its further technical solution is: before the real-time collection of transaction messages of the online system, it also includes:

[0014] Configure parameters, set transaction message collection points, configure metadata, upload logic program scripts, and arrange reconciliation rules based on business scenarios and transaction scale.

[0015] Its further technical solution is: configuring parameters according to business scenarios and transaction scale, setting transaction message collection points, configuring metadata, uploading logic program scripts and arranging reconciliation rules, including:

[0016] Configure system parameters based on business scenarios and transaction scale;

[0017] Select several subsystems from the financial transaction path link as transaction message collection points, and deploy message collectors;

[0018] Configure the metadata associated with the transaction and pass it to the reconciliation calculation engine through the configuration channel. The reconciliation calculation engine performs pre-verification and loads it in real time.

[0019] Upload the reconciliation logic program script, and the reconciliation calculation engine will load the reconciliation logic program script in real time, precompile it and make it effective in real time;

[0020] Orchestrate transaction reconciliation rules.

[0021] The further technical solution is: the real-time collection of transaction messages of the online system includes:

[0022] Obtain transaction request or response messages that are encrypted and recorded in real time in a log file in a specific format;

[0023] The log file is monitored to collect transaction messages in real time.

[0024] A further technical solution is: the cleaning and preprocessing of the transaction message and the streaming storage include:

[0025] The transaction messages are load balanced and partitioned, and the messages are decrypted, classified, key information parsed, recorded, and stream stored.

[0026] A further technical solution is: performing rule routing according to the characteristics of the transaction message, triggering corresponding reconciliation rules, and performing reconciliation logic operations to obtain reconciliation operation results, including:

[0027] Perform rule routing matching according to the subsystem and transaction code information of the transaction message, and trigger the corresponding reconciliation rules in real time;

[0028] Run the entry processing script, subsystem data verification script and exit aggregation processing script arranged in the reconciliation rules in sequence to perform reconciliation logic operations to obtain the reconciliation operation results.

[0029] The present invention also provides a real-time reconciliation device for the entire financial transaction chain, including:

[0030] Message collection unit, used to collect transaction messages from online systems in real time;

[0031] A processing unit, used for cleaning and preprocessing the transaction message and performing streaming storage;

[0032] A reconciliation unit, used to perform rule routing according to the characteristics of the transaction message, trigger the corresponding reconciliation rule, and perform reconciliation logic operation to obtain a reconciliation operation result;

[0033] The alarm unit is used to generate an alarm notification when the reconciliation operation result shows an abnormal situation, and send it to the terminal so that the business personnel of the terminal can perform corresponding processing and feedback the result.

[0034] The present invention further provides a computer device, which includes a memory and a processor. The memory stores a computer program, and the processor implements the above method when executing the computer program.

[0035] The present invention also provides a storage medium, wherein the storage medium stores a computer program, and the computer program implements the above method when executed by a processor.

[0036] The beneficial effects of the present invention compared with the prior art are as follows: the present invention collects transaction messages in real time, cleans and preprocesses them, performs rule routing, triggers corresponding reconciliation rules, and performs reconciliation logic operations to obtain reconciliation operation results, and when the reconciliation operation results show that there are abnormal conditions, an alarm notification is generated and sent to the terminal, so that the business personnel of the terminal can perform corresponding processing and feedback the results, thereby achieving transaction data verification that takes into account both timing and scope, and solving the dual challenges of timing and scope.

[0037] The present invention is further described below in conjunction with the accompanying drawings and specific embodiments. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying any creative work.

[0039] Figure 1A schematic diagram of an application scenario of the full-link real-time reconciliation method for financial transactions provided by an embodiment of the present invention;

[0040] Figure 2 A schematic diagram of a process flow of a full-link real-time reconciliation method for financial transactions provided by an embodiment of the present invention;

[0041] Figure 3 A schematic diagram of a sub-process of a full-link real-time reconciliation method for financial transactions provided by an embodiment of the present invention;

[0042] Figure 4 A schematic diagram of a sub-process of a full-link real-time reconciliation method for financial transactions provided by an embodiment of the present invention;

[0043] Figure 5 A schematic diagram of a flow chart of a method for real-time reconciliation of a full-link financial transaction provided by another embodiment of the present invention;

[0044] Figure 6 A schematic diagram of a sub-process of a full-link real-time reconciliation method for financial transactions provided by another embodiment of the present invention;

[0045] Figure 7 A schematic block diagram of a real-time reconciliation device for the entire financial transaction chain provided by an embodiment of the present invention;

[0046] Figure 8 A schematic block diagram of a processing unit of a real-time reconciliation device for a full-link financial transaction provided by an embodiment of the present invention;

[0047] Fig. 9 A schematic block diagram of a reconciliation unit of a full-link real-time reconciliation device for financial transactions provided by an embodiment of the present invention;

[0048] Fig.10 A schematic block diagram of a real-time reconciliation device for the entire financial transaction chain provided by another embodiment of the present invention;

[0049] Fig.11 A schematic block diagram of a configuration unit of a full-link real-time reconciliation device for financial transactions provided by another embodiment of the present invention;

[0050] Fig.12 A schematic block diagram of a computer device provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0051] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0052] It should be understood that when used in this specification and the appended claims, the terms "include" and "comprises" indicate the presence of described features, integers, steps, operations, elements and / or components, but do not exclude the presence or addition of one or more other features, integers, steps, operations, elements, components and / or combinations thereof.

[0053] It should also be understood that the terms used in this specification of the present invention are only for the purpose of describing specific embodiments and are not intended to limit the present invention. As used in the specification of the present invention and the appended claims, unless the context clearly indicates otherwise, the singular forms "a", "an" and "the" are intended to include plural forms.

[0054] It should be further understood that the term "and / or" used in the present description and the appended claims refers to any and all possible combinations of one or more of the associated listed items, and includes these combinations.

[0055] See also Figure 1 and Figure 2 , Figure 1 A schematic diagram of an application scenario of the full-link real-time reconciliation method for financial transactions provided in an embodiment of the present invention. Figure 2 A schematic flow chart of a full-link real-time reconciliation method for financial transactions provided in an embodiment of the present invention. The full-link real-time reconciliation method for financial transactions is applied in a server. The server interacts with the terminal for data, collects transaction messages from the online system in real time, and stores them in a streaming manner after cleaning and preprocessing. Monitor the online transaction status, and trigger full-link verification immediately when the transaction is completed. The verification logic is implemented in a scripted layered manner and is orchestrated through a rule engine, covering the entire link of data storage layers such as channels, business middle platforms, core, and accounts. The verification script adopts a dynamic loading mechanism to achieve a verification service that can be smoothly upgraded without stopping the system, so that transaction data verification can take into account both timing and scope, solving the dual challenges of timing and scope.

[0056] Figure 2 Schematic diagram of the process of the full-link real-time reconciliation method for financial transactions provided by an embodiment of the present invention. Figure 2 As shown, the method includes the following steps S110 to S150.

[0057] S110. Collect transaction messages from online systems in real time.

[0058] In this embodiment, the transaction message refers to a data packet containing transaction information collected in real time from the online system. These transaction messages may contain transaction requests, responses or other business-related information, and are used to record and track transaction activities in the online system.

[0059] In one embodiment, see Figure 3 , the above-mentioned step S110 may include steps S111 to S112.

[0060] S111. Obtain the encrypted request or response message of the transaction and record it in a log file in real time in a specific format.

[0061] In this embodiment, this step ensures that all transaction information is securely recorded and encrypted and saved in a specified format to ensure data integrity and security. Real-time recording to log files also facilitates subsequent transaction tracking and auditing.

[0062] S112: Monitor the log file to collect transaction messages in real time.

[0063] In this embodiment, by monitoring the log file, the system can obtain the latest transaction information in a timely manner to ensure the timely collection and processing of transaction messages. The benefit of this step is that it can realize real-time monitoring and collection of transaction information, help to timely discover and handle transaction anomalies, and improve the system's response speed and processing efficiency.

[0064] Specifically, when a business transaction occurs, the request / response message of the transaction is encrypted and recorded in real time to a log file in a specific format; the message collector monitors the log file, collects transaction messages in real time, and delivers them in batches to the reconciliation system message middleware.

[0065] In general, the specific implementation of these steps ensures that the system can obtain transaction messages from the online system in a timely and secure manner, and clean, process and store them, providing reliable data support for subsequent reconciliation and monitoring work.

[0066] S120: Clean and pre-process the transaction message, and store it in a streaming manner.

[0067] In this embodiment, the transaction messages are subjected to load balancing and partition processing, message decryption, classification, key information analysis, recording, and streaming storage.

[0068] Specifically, the reconciliation system message middleware performs load balancing and partitioning on messages; the transaction message processor obtains transaction messages from the message middleware in real time and performs pre-processing such as message decryption, classification, key information parsing / extraction, and recording; the transaction message processor delivers the pre-processed messages to the reconciliation calculation engine through the reconciliation system message middleware.

[0069] First, load balance the transaction messages to ensure that the load of each processing node is balanced to avoid overloading a single node. At the same time, partition processing is performed to distribute the transaction messages to different processing nodes to improve processing efficiency and parallelism; if the transaction message is encrypted, this step will perform a decryption operation to convert the encrypted transaction message into a readable plain text form for subsequent processing and analysis; classify the transaction message according to specific classification rules, and assign different types of transaction messages to different processing flows for subsequent processing and analysis; parse and extract key information in the transaction message, such as transaction type, transaction amount, transaction time, etc., for subsequent reconciliation and monitoring; record the cleaned and pre-processed transaction message information, which can be stored in a database, log file or other form of storage medium for subsequent query and analysis; store the processed transaction message in a streaming storage manner to ensure the real-time and reliability of the data.

[0070] Through load balancing and partitioning processing, it can effectively handle large amounts of transaction traffic, while improving the system's concurrent processing capabilities and scalability; through cleaning and preprocessing, it can ensure the data accuracy and completeness of transaction messages and reduce the impact of errors and abnormal data; through streaming storage, it can achieve real-time recording and storage of transaction information for subsequent query and analysis, while ensuring the timeliness and consistency of the data.

[0071] S130. Perform rule routing according to the characteristics of the transaction message, trigger corresponding reconciliation rules, and perform reconciliation logic operations to obtain reconciliation operation results.

[0072] In this embodiment, the reconciliation calculation result is the conclusion or comparison result obtained after the reconciliation calculation engine performs the reconciliation logic operation, which is usually used to confirm the consistency or difference between two accounts or data sets. In this embodiment, the reconciliation calculation result includes the reconciliation result obtained after the rule routing matching of the transaction message.

[0073] In one embodiment, see Figure 4 , the above-mentioned step S130 may include steps S131 to S132.

[0074] S131. Perform rule routing matching according to the subsystem and transaction code information of the transaction message, and trigger corresponding reconciliation rules in real time.

[0075] Specifically, according to the subsystem and transaction code information of the transaction message, the reconciliation calculation engine performs rule routing matching and triggers the corresponding reconciliation rules in real time.

[0076] S132. Run the entry processing script, subsystem data verification script and exit aggregation processing script arranged in the reconciliation rule in sequence, perform reconciliation logic operations, and obtain reconciliation operation results.

[0077] Specifically, the entry processing script, subsystem data verification script and exit aggregation processing script arranged in the reconciliation rules are run in sequence to perform reconciliation logic operations. By performing data consistency cross-checks on key transaction information such as the amount, transaction status, actual payee and payee, medium number and account number in the transaction request, transaction response and database transaction flow records, it is determined whether the transaction flow quantity, numerical consistency and business consistency meet expectations, so as to obtain the reconciliation operation results.

[0078] The reconciliation computing engine is a distributed high-availability architecture that supports multi-node multi-threaded collaborative high-concurrency computing, and has the capabilities of elastic scaling of computing power and flow control based on message traffic. The reconciliation computing engine performs rule routing based on the subsystem and transaction code information of the transaction message, matches and triggers the corresponding reconciliation rules in real time, and runs the "entry processing script", "subsystem data verification script" and "exit aggregation processing script" arranged in the reconciliation rules in sequence, performs reconciliation logic operations and stores the reconciliation results in the time series database. The selected time series database has the ability to efficiently process massive data.

[0079] The above steps adopt a distributed high-availability architecture, support multi-node multi-threaded collaborative high-concurrency computing, can effectively handle a large number of reconciliation requests, and improve the system's processing capacity and efficiency. Dynamically adjust the computing power according to the message flow to ensure that the system can maintain stable performance under high load, while saving resources and improving resource utilization under low load. The reconciliation calculation engine has flow control capabilities and can perform flow control according to system load conditions and needs to ensure stable system operation and prevent system crashes or overloads.

[0080] The reconciliation results are stored in a time series database, which has the ability to efficiently process massive amounts of data, and can quickly query and analyze reconciliation results to support business decision-making and monitoring needs.

[0081] S140: storing the reconciliation operation result in a time series database.

[0082] S150. When the reconciliation operation result shows an abnormality, an alarm notification is generated and sent to the terminal, so that the business personnel of the terminal can perform corresponding processing and feedback the result.

[0083] In this embodiment, the reconciliation calculation engine is connected to the alarm channel, which has the ability to send alarm information via phone, SMS, and mainstream IM instant messaging systems. If the transaction reconciliation result is abnormal, the reconciliation calculation engine will notify the business personnel in real time through the alarm channel based on the alarm level. The business personnel will handle the business based on the alarm processing flow and feedback the processing results.

[0084] Specifically, the reconciliation calculation engine detects an abnormality in the reconciliation operation result; in response to the abnormality, the reconciliation calculation engine generates an alarm notification; the alarm notification is sent to the terminal, including telephone, text message, and mainstream IM instant messaging system, to ensure that business personnel can receive and process it in time; after receiving the alarm notification, the business personnel perform corresponding business processing according to the alarm processing process; after the business personnel completes the processing, they feedback the processing results to the reconciliation calculation engine.

[0085] The alarm channel supports the ability to send alarm information via telephone, SMS, and mainstream IM instant messaging systems, ensuring that business personnel receive alarm notifications in a timely manner through a variety of methods; based on the alarm level, the reconciliation calculation engine can notify business personnel in real time through the alarm channel to ensure that abnormal situations can be handled in a timely manner to reduce potential losses; business personnel perform business processing based on the alarm processing flow, which can standardize the handling of abnormal situations, reduce processing errors, and improve processing efficiency; business personnel's processing results are fed back to the reconciliation calculation engine, forming a closed-loop feedback mechanism that can update the system status in a timely manner to ensure that abnormal situations are properly handled.

[0086] The method of this embodiment builds a cloud-native distributed high-availability architecture reconciliation process, and the real-time reconciliation calculation engine supports the hot-swappable model of financial transaction reconciliation logic under different business scenarios, and has the ability to perform full-link reconciliation verification in seconds for large-scale financial transactions. By collecting transaction messages in real time and performing cleaning, preprocessing and streaming storage, data can be processed immediately when a transaction occurs. At the same time, rule routing is performed according to the characteristics of the transaction message, the corresponding reconciliation rules are triggered, and reconciliation logic operations are performed to ensure the timing and accuracy of the reconciliation. In addition, steps such as configuring parameters, setting transaction message collection points, uploading logic program scripts, and arranging reconciliation rules enable the system to be flexibly configured according to business scenarios and transaction scales, thereby solving the challenge of the scope of reconciliation.

[0087] The above-mentioned full-link real-time reconciliation method for financial transactions collects transaction messages in real time, cleans and preprocesses them, performs rule routing, triggers corresponding reconciliation rules, and performs reconciliation logic operations to obtain reconciliation operation results. When the reconciliation operation results show that there are abnormal conditions, an alarm notification is generated and sent to the terminal, so that the business personnel of the terminal can perform corresponding processing and feedback the results, thereby achieving transaction data verification that takes into account both timing and scope, and solving the dual challenges of timing and scope.

[0088] Figure 5 FIG. 1 is a flow chart of a method for real-time reconciliation of a full-link financial transaction provided by another embodiment of the present invention. Figure 4As shown, the financial transaction full-link real-time reconciliation method of this embodiment includes steps S210-S260. Steps S220-S260 are similar to steps S110-S150 in the above embodiment and are not repeated here. The added step S210 in this embodiment is described in detail below.

[0089] S210. Configure parameters, set transaction message collection points, configure metadata, upload logic program scripts, and arrange reconciliation rules according to business scenarios and transaction scale.

[0090] In one embodiment, see Figure 6 , the above-mentioned step S210 may include steps S211 to S215.

[0091] S211. Configure system parameters based on business scenarios and transaction scale.

[0092] In this embodiment, according to the business scenario and transaction scale, log in to the reconciliation system web console to configure system parameters.

[0093] S212. Select several subsystems from the financial transaction path link as transaction message collection points, and deploy message collectors.

[0094] In this embodiment, several subsystems are selected as transaction message collection points on the financial transaction path link, and message collectors are deployed. The message collectors collect transaction request / response messages in real time and deliver them to the reconciliation system message center.

[0095] S213: Configure metadata associated with the transaction and pass it to the reconciliation calculation engine through the configuration channel. The reconciliation calculation engine performs pre-verification and loads it in real time.

[0096] In this embodiment, log in to the reconciliation system web console and configure the metadata associated with the transaction, including but not limited to: subsystem, transaction code, message parsing rules, database links, common modules, etc. The above information is transmitted to the reconciliation calculation engine through the configuration channel, and the reconciliation calculation engine pre-checks the configuration information and loads it in real time.

[0097] S214. Upload the reconciliation logic program script, and the reconciliation calculation engine loads the reconciliation logic program script in real time, precompiles it and makes it effective in real time.

[0098] In this embodiment, log in to the web console of the reconciliation system, upload the reconciliation logic program script, and the reconciliation calculation engine loads the latest reconciliation logic program script in real time, precompiles and takes effect in real time. The reconciliation logic program script is divided into three types: "entry processing script", "subsystem data verification script" and "exit aggregation processing script". The "entry processing script" is responsible for the initial information processing of the specific transaction reconciliation process, such as request / response message parsing, global variable setting, etc. The "subsystem data verification script" is the core reconciliation logic of the specific business subsystem in the transaction path link, responsible for the data verification, data verification, reconciliation logic, etc. of the business subsystem, and the "exit aggregation processing script" is responsible for the aggregation and comprehensive analysis of the reconciliation results of the "entry processing script" and "subsystem data verification script" to obtain the final reconciliation conclusion.

[0099] S215. Arrange transaction reconciliation rules.

[0100] In this embodiment, log in to the web console of the reconciliation system and arrange the transaction reconciliation rules. The reconciliation rules contain three elements: subsystem, transaction code and reconciliation logic program script, where the subsystem and transaction code are the triggering features of the reconciliation rules, and the reconciliation logic program script is the reconciliation operation logic of the reconciliation rules. The reconciliation rules arrange the reconciliation logic program script according to the "1+N+1" model, that is, 1 "entry processing script" plus N "subsystem data verification scripts" plus 1 "exit aggregation processing script", where the number N of "subsystem data verification scripts" is defined based on the number of business subsystems in the transaction link path, and each subsystem corresponds to 1 "subsystem data verification script". When a business transaction occurs, the reconciliation system routes / matches the reconciliation rules according to the collected transaction message features (subsystem, transaction code), triggers the reconciliation rules bound to the transaction message features, and starts the reconciliation process in real time. The "entry processing script", "subsystem data verification script" and "exit aggregation processing script" compiled in the reconciliation rules run independently in sequence, each performing its own duties and coordinating the business reconciliation logic processing of the entire transaction link. Different scripts transfer / share the context data information required for business reconciliation through the "public context".

[0101] In this embodiment, system parameters are configured on the web console of the reconciliation system according to the business scenario and transaction scale to meet specific needs. This ensures that the system operates in the expected manner during operation and improves the adaptability and flexibility of the system; selects some subsystems from the financial transaction pathway link as the collection points of transaction messages, and deploys message collectors at these points. The message collector collects the request and response messages of the transaction in real time and delivers them to the message center of the reconciliation system. This approach ensures that the system obtains the transaction data of the entire link, which is helpful for the subsequent reconciliation process; configures the metadata associated with the transaction and passes it to the reconciliation calculation engine through the configuration channel, and the reconciliation calculation engine performs pre-verification and real-time loading. By configuring metadata in the system, the attributes and behaviors of the transaction can be defined, so that the reconciliation calculation engine can accurately identify and process various transaction types, and improve the accuracy and efficiency of reconciliation; uploads the reconciliation logic program script, and the reconciliation calculation engine loads and compiles it in real time, so that it takes effect in real time in the system. This ensures that the system can respond to business changes in a timely manner and keep the reconciliation logic up to date and effective; arrange transaction reconciliation rules on the web console of the reconciliation system, including elements such as subsystems, transaction codes, and reconciliation logic program scripts. These rules are arranged according to specific models to ensure that the system can trigger corresponding reconciliation rules based on transaction characteristics and start the corresponding reconciliation process to achieve full-link business reconciliation logic processing.

[0102] Improve the flexibility and adaptability of the system, and be able to configure and adjust according to actual needs. Ensure that the system obtains full-link transaction data, which helps to ensure the comprehensiveness and accuracy of reconciliation. Improve the efficiency and accuracy of reconciliation, and ensure that the system can accurately identify and process various transaction types by configuring metadata and reconciliation rules. Realize the timely update and effectiveness of reconciliation logic, and maintain the system's ability to respond to business changes in a timely manner.

[0103] Figure 7 is a schematic block diagram of a financial transaction full-link real-time reconciliation device 300 provided in an embodiment of the present invention. Figure 7 As shown, corresponding to the above financial transaction full-link real-time reconciliation method, the present invention also provides a financial transaction full-link real-time reconciliation device 300. The financial transaction full-link real-time reconciliation device 300 includes a unit for executing the above financial transaction full-link real-time reconciliation method, and the device can be configured in a server. Specifically, please refer to Figure 7 The financial transaction full-link real-time reconciliation device 300 includes a message collection unit 302, a processing unit 303, a reconciliation unit 304, a storage unit 305 and an alarm unit 306.

[0104] The message collection unit 302 is used to collect transaction messages from the online system in real time; the processing unit 303 is used to clean and preprocess the transaction messages and perform streaming storage; the reconciliation unit 304 is used to perform rule routing according to the characteristics of the transaction messages, trigger the corresponding reconciliation rules, and perform reconciliation logic operations to obtain reconciliation operation results; the storage unit 305 is used to store the reconciliation operation results in the time series database. The alarm unit 306 is used to generate an alarm notification when the reconciliation operation results are abnormal, and send it to the terminal so that the terminal business personnel can perform corresponding processing and feedback the results.

[0105] In one embodiment, see Figure 8 The above-mentioned message collection unit 302 includes a log recording subunit 3021 and a monitoring subunit 3022.

[0106] The log recording subunit 3021 is used to obtain the encrypted request or response message of the transaction and record it in a log file in real time according to a specific format; the monitoring subunit 3022 is used to monitor the log file to collect transaction messages in real time.

[0107] In one embodiment, the processing unit 303 is used to perform load balancing and partition processing on the transaction message, decrypt the message, classify it, parse and record key information, and perform streaming storage.

[0108] In one embodiment, see Fig. 9 The above-mentioned reconciliation unit 304 includes a matching subunit 3041 and an operation subunit 3042 .

[0109] The matching subunit 3041 is used to perform rule routing matching according to the subsystem and transaction code information of the transaction message, and trigger the corresponding reconciliation rules in real time; the running subunit 3042 is used to sequentially run the entry processing script, subsystem data verification script and exit aggregation processing script arranged in the reconciliation rules, perform reconciliation logic operations, and obtain the reconciliation operation results.

[0110] Fig.10 FIG. 3 is a schematic block diagram of a financial transaction full-link real-time reconciliation device 300 provided by another embodiment of the present invention. Fig.10 As shown, the financial transaction full-link real-time reconciliation device 300 of this embodiment is based on the above embodiment and adds a configuration unit 301.

[0111] The configuration unit 301 is used to configure parameters, set transaction message collection points, configure metadata, upload logic program scripts and arrange reconciliation rules according to business scenarios and transaction scales.

[0112] In one embodiment, see Fig.11The above-mentioned configuration unit 301 includes a parameter configuration subunit 3011, a deployment subunit 3012, a data configuration subunit 3013, an upload subunit 3014 and a rule arrangement subunit 3015.

[0113] The parameter configuration subunit 3011 is used to configure system parameters based on the business scenario and transaction scale; the deployment subunit 3012 is used to select several subsystems from the financial transaction path link as transaction message collection points and deploy message collectors; the data configuration subunit 3013 is used to configure metadata associated with the transaction and pass it to the reconciliation calculation engine through the configuration channel, and the reconciliation calculation engine performs pre-verification and real-time loading; the upload subunit 3014 is used to upload the reconciliation logic program script, and the reconciliation calculation engine loads the reconciliation logic program script in real time, pre-compiles and takes effect in real time; the rule arrangement subunit 3015 is used to arrange transaction reconciliation rules.

[0114] It should be noted that technical personnel in the relevant field can clearly understand that the specific implementation process of the above-mentioned financial transaction full-link real-time reconciliation device 300 and each unit can refer to the corresponding description in the aforementioned method embodiment, and for the convenience and conciseness of the description, it will not be repeated here.

[0115] The above-mentioned financial transaction full-link real-time reconciliation device 300 can be implemented in the form of a computer program, which can be used in Fig.12 Runs on the computer device shown.

[0116] See also Fig.12 , Fig.12 5 is a schematic block diagram of a computer device provided in an embodiment of the present application. The computer device 500 may be a server, wherein the server may be an independent server or a server cluster composed of multiple servers.

[0117] See also Fig.12 The computer device 500 includes a processor 502 , a memory and a network interface 505 connected via a system bus 501 , wherein the memory may include a non-volatile storage medium 503 and an internal memory 504 .

[0118] The non-volatile storage medium 503 can store an operating system 5031 and a computer program 5032. The computer program 5032 includes program instructions, and when the program instructions are executed, the processor 502 can execute a real-time reconciliation method for the entire financial transaction chain.

[0119] The processor 502 is used to provide computing and control capabilities to support the operation of the entire computer device 500 .

[0120] The internal memory 504 provides an environment for the operation of the computer program 5032 in the non-volatile storage medium 503. When the computer program 5032 is executed by the processor 502, the processor 502 can execute a real-time reconciliation method for the entire financial transaction chain.

[0121] The network interface 505 is used to communicate with other devices over the network. Fig.12 The structure shown in the figure is merely a block diagram of a portion of the structure related to the solution of the present application, and does not constitute a limitation on the computer device 500 to which the solution of the present application is applied. The specific computer device 500 may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0122] The processor 502 is used to run the computer program 5032 stored in the memory to implement the following steps:

[0123] Collect transaction messages from online systems in real time; clean and preprocess the transaction messages, and store them in a streaming format; perform rule routing based on the characteristics of the transaction messages, trigger corresponding reconciliation rules, and perform reconciliation logic operations to obtain reconciliation operation results; when the reconciliation operation results show an abnormality, generate an alarm notification and send it to the terminal so that the terminal's business personnel can perform corresponding processing and feedback the results.

[0124] In one embodiment, after implementing the steps of performing rule routing according to the characteristics of the transaction message, triggering corresponding reconciliation rules, and performing reconciliation logic operations to obtain reconciliation operation results, the processor 502 further implements the following steps:

[0125] The reconciliation operation result is stored in a time series database.

[0126] In one embodiment, after implementing the step of collecting transaction messages of the online system in real time, the processor 502 further implements the following steps:

[0127] Configure parameters, set transaction message collection points, configure metadata, upload logic program scripts, and arrange reconciliation rules based on business scenarios and transaction scale.

[0128] In one embodiment, the processor 502 specifically implements the following steps when implementing the steps of configuring parameters according to the business scenario and transaction scale, setting transaction message collection points, configuring metadata, uploading logic program scripts, and arranging reconciliation rules:

[0129] Configure system parameters based on business scenarios and transaction scale; select several subsystems from the financial transaction path link as transaction message collection points, and deploy message collectors; configure metadata associated with the transaction and pass it to the reconciliation calculation engine through the configuration channel, and the reconciliation calculation engine performs pre-verification and real-time loading; upload the reconciliation logic program script, and the reconciliation calculation engine loads the reconciliation logic program script in real time, pre-compiles it and takes effect in real time; and arranges transaction reconciliation rules.

[0130] In one embodiment, when the processor 502 implements the step of collecting transaction messages of the online system in real time, the processor 502 specifically implements the following steps:

[0131] Obtain transaction request or response messages, encrypt them and record them in real time in a log file in a specific format; monitor the log file to collect transaction messages in real time.

[0132] In one embodiment, the processor 502 implements the following steps when implementing the steps of cleaning and preprocessing the transaction message and performing streaming storage:

[0133] The transaction messages are load balanced and partitioned, and the messages are decrypted, classified, key information parsed, recorded, and stream stored.

[0134] In one embodiment, when the processor 502 implements the step of performing rule routing according to the characteristics of the transaction message, triggering the corresponding reconciliation rule, and performing reconciliation logic operation to obtain the reconciliation operation result, the processor 502 specifically implements the following steps:

[0135] According to the subsystem and transaction code information of the transaction message, rule routing matching is performed, and the corresponding reconciliation rules are triggered in real time; the entry processing script, subsystem data verification script and exit aggregation processing script arranged in the reconciliation rules are run in sequence to perform reconciliation logic operations to obtain the reconciliation operation results.

[0136] It should be understood that in the embodiment of the present application, the processor 502 may be a central processing unit 303 (CPU), and the processor 502 may also be other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. Among them, the general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc.

[0137] It can be understood by those skilled in the art that all or part of the processes in the method for implementing the above embodiment can be completed by instructing the relevant hardware through a computer program. The computer program includes program instructions, and the computer program can be stored in a storage medium, which is a computer-readable storage medium. The program instructions are executed by at least one processor in the computer system to implement the process steps of the embodiment of the above method.

[0138] Therefore, the present invention also provides a storage medium. The storage medium may be a computer-readable storage medium. The storage medium stores a computer program, wherein when the computer program is executed by a processor, the processor executes the following steps:

[0139] Collect transaction messages from online systems in real time; clean and preprocess the transaction messages, and store them in a streaming format; perform rule routing based on the characteristics of the transaction messages, trigger corresponding reconciliation rules, and perform reconciliation logic operations to obtain reconciliation operation results; when the reconciliation operation results show an abnormality, generate an alarm notification and send it to the terminal so that the terminal's business personnel can perform corresponding processing and feedback the results.

[0140] In one embodiment, after the processor executes the computer program to implement the steps of performing rule routing according to the characteristics of the transaction message, triggering corresponding reconciliation rules, and performing reconciliation logic operations to obtain reconciliation operation results, the processor further implements the following steps:

[0141] The reconciliation operation result is stored in a time series database.

[0142] In one embodiment, after executing the computer program to implement the step of collecting transaction messages of the online system in real time, the processor further implements the following steps:

[0143] Configure parameters, set transaction message collection points, configure metadata, upload logic program scripts, and arrange reconciliation rules based on business scenarios and transaction scale.

[0144] In one embodiment, when the processor executes the computer program to implement the steps of configuring parameters according to the business scenario and transaction scale, setting transaction message collection points, configuring metadata, uploading logic program scripts, and arranging reconciliation rules, the processor specifically implements the following steps:

[0145] Configure system parameters based on business scenarios and transaction scale; select several subsystems from the financial transaction path link as transaction message collection points, and deploy message collectors; configure metadata associated with the transaction and pass it to the reconciliation calculation engine through the configuration channel, and the reconciliation calculation engine performs pre-verification and real-time loading; upload the reconciliation logic program script, and the reconciliation calculation engine loads the reconciliation logic program script in real time, pre-compiles it and takes effect in real time; and arranges transaction reconciliation rules.

[0146] In one embodiment, when the processor executes the computer program to implement the step of collecting transaction messages of the online system in real time, the processor specifically implements the following steps:

[0147] Obtain transaction request or response messages, encrypt them and record them in real time in a log file in a specific format; monitor the log file to collect transaction messages in real time.

[0148] In one embodiment, when the processor executes the computer program to implement the steps of cleaning and preprocessing the transaction message and performing streaming storage, the processor specifically implements the following steps:

[0149] The transaction messages are load balanced and partitioned, and the messages are decrypted, classified, key information parsed, recorded, and stream stored.

[0150] In one embodiment, when the processor executes the computer program to implement the steps of performing rule routing according to the characteristics of the transaction message, triggering corresponding reconciliation rules, and performing reconciliation logic operations to obtain reconciliation operation results, the processor specifically implements the following steps:

[0151] According to the subsystem and transaction code information of the transaction message, rule routing matching is performed, and the corresponding reconciliation rules are triggered in real time; the entry processing script, subsystem data verification script and exit aggregation processing script arranged in the reconciliation rules are run in sequence to perform reconciliation logic operations to obtain the reconciliation operation results.

[0152] The storage medium may be a USB flash drive, a mobile hard disk, a read-only memory (ROM), a magnetic disk, or an optical disk, etc., which are computer-readable storage media that can store program codes.

[0153] Those of ordinary skill in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in terms of function in the above description. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of the present invention.

[0154] In the several embodiments provided by the present invention, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of each unit is only a logical function division, and there may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed.

[0155] The steps in the method of the embodiment of the present invention can be adjusted in order, combined and deleted according to actual needs. The units in the device of the embodiment of the present invention can be combined, divided and deleted according to actual needs. In addition, the functional units in various embodiments of the present invention can be integrated into a processing unit 303, or each unit can exist physically separately, or two or more units can be integrated into one unit.

[0156] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a storage medium. Based on this understanding, the technical solution of the present invention is essentially or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions for a computer device (which can be a personal computer, terminal, or network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention.

[0157] The above is only a specific embodiment of the present invention, but the protection scope of the present invention is not limited thereto. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed by the present invention, and these modifications or replacements should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention shall be based on the protection scope of the claims.

Claims

1. A real-time reconciliation method for the entire financial transaction chain, characterized in that: include; Collect transaction messages from online systems in real time; Cleaning and preprocessing the transaction message, and performing streaming storage; Perform rule routing according to the characteristics of the transaction message, trigger the corresponding reconciliation rule, and perform reconciliation logic operation to obtain the reconciliation operation result; When the reconciliation operation result shows an abnormality, an alarm notification is generated and sent to the terminal, so that the business personnel of the terminal can handle it accordingly and feedback the result.

2. The full-link real-time reconciliation method for financial transactions according to claim 1 is characterized in that: After performing rule routing according to the characteristics of the transaction message, triggering corresponding reconciliation rules, and performing reconciliation logic operations to obtain reconciliation operation results, the method further includes: The reconciliation operation result is stored in a time series database.

3. The full-link real-time reconciliation method for financial transactions according to claim 1 is characterized in that: Before the real-time collection of transaction messages from the online system, the method further includes: Configure parameters, set transaction message collection points, configure metadata, upload logic program scripts, and arrange reconciliation rules based on business scenarios and transaction scale.

4. The method for real-time reconciliation of the entire financial transaction chain according to claim 3, characterized in that: The configuration of parameters, setting of transaction message collection points, configuration of metadata, uploading of logic program scripts and arrangement of reconciliation rules according to business scenarios and transaction scales include: Configure system parameters based on business scenarios and transaction scale; Select several subsystems from the financial transaction path link as transaction message collection points, and deploy message collectors; Configure the metadata associated with the transaction and pass it to the reconciliation calculation engine through the configuration channel. The reconciliation calculation engine performs pre-verification and loads it in real time. Upload the reconciliation logic program script, and the reconciliation calculation engine will load the reconciliation logic program script in real time, precompile it and make it effective in real time; Orchestrate transaction reconciliation rules.

5. The method for real-time reconciliation of the entire financial transaction chain according to claim 1, characterized in that: The real-time collection of transaction messages from the online system includes: Obtain transaction request or response messages that are encrypted and recorded in real time in a log file in a specific format; The log file is monitored to collect transaction messages in real time.

6. The method for real-time reconciliation of the entire financial transaction chain according to claim 1, characterized in that: The cleaning and preprocessing of the transaction message and the streaming storage include: The transaction messages are load balanced and partitioned, and the messages are decrypted, classified, key information parsed, recorded, and stream stored.

7. The full-link real-time reconciliation method for financial transactions according to claim 1, characterized in that: The performing rule routing according to the characteristics of the transaction message, triggering the corresponding reconciliation rule, and performing reconciliation logic operation to obtain the reconciliation operation result includes: Perform rule routing matching according to the subsystem and transaction code information of the transaction message, and trigger the corresponding reconciliation rules in real time; Run the entry processing script, subsystem data verification script and exit aggregation processing script arranged in the reconciliation rules in sequence to perform reconciliation logic operations to obtain the reconciliation operation results.

8. A real-time reconciliation device for the entire financial transaction chain, characterized in that: include; Message collection unit, used to collect transaction messages from online systems in real time; A processing unit, used for cleaning and preprocessing the transaction message and performing streaming storage; A reconciliation unit, used to perform rule routing according to the characteristics of the transaction message, trigger the corresponding reconciliation rule, and perform reconciliation logic operation to obtain a reconciliation operation result; The alarm unit is used to generate an alarm notification when the reconciliation operation result shows an abnormal situation, and send it to the terminal so that the business personnel of the terminal can perform corresponding processing and feedback the result.

9. A computer device, characterized in that: The computer device comprises a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the method according to any one of claims 1 to 7 is implemented.

10. A storage medium, characterized in that: The storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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