Accounting separation and checking method, device and equipment, storage medium and product

Abstract

The invention discloses an accounting separating and checking method, device and equipment, a storage medium and a product, relates to the technical field of computers, and discloses an accounting separating and checking method which comprises the steps that a bank account is acquired, and the bank account is decoupled into a deposit account and a fund account; according to different received business requirements, calling the deposit account or the fund account to process corresponding business contents; respectively carrying out account passing processing on the deposit account and the fund account during day end checking; and after account passing is completed, checking the deposit account and the fund account to obtain a checking result. According to the application, the bank account is decoupled into the deposit account and the fund account, and when different received business requirements are received, the deposit account or the fund account is called to process the corresponding business content to more sensitively and iteratively respond to the business requirements, so that the improvement of the business handling efficiency is determined, and the business handling efficiency is improved. And finally, the working efficiency of the bank system is remarkably improved.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to methods, devices, equipment, storage media and products for separating and verifying accounts. Background Art

[0002] In the existing banking system, the strong binding relationship between deposits and fund accounts has become the norm. This design was very effective in the early banking system because it simplified the complexity of the system and made the management of deposits and funds more intuitive. However, with the rapid development of the financial market and the continuous emergence of innovative deposit products, this traditional architecture began to show its limitations.

[0003] In the prior art, the traditional banking architecture implements deposits and capital accounts as a whole, although it has certain advantages in program implementation and system complexity. However, this strong binding relationship also brings several problems: First, the strong binding of deposits and capital accounts leads to an increased risk of changes and upgrades in deposit services. Any modification to the deposit business may affect the normal operation of the capital account, thereby increasing the instability of the system. Secondly, this design makes the interaction between deposit services and capital accounts complicated, increasing the difficulty of system maintenance. Finally, with the changes in market demand, the demand for various innovative deposit products continues to increase, and deposit demand is no longer limited to traditional standard products. In addition, the accelerated iteration speed of deposit-side demand also puts higher requirements on the flexibility and responsiveness of the banking system.

[0004] In the prior art, the binding design of fund accounts and deposit business increases the complexity of system adjustment, thereby reducing the working efficiency of the banking system.

[0005] Therefore, how to improve the working efficiency of the banking system is an issue that needs to be addressed urgently.

[0006] The above contents are only used to assist in understanding the technical solution of the present application and do not constitute an admission that the above contents are prior art. Summary of the invention

[0007] The main purpose of this application is to provide an account separation and verification method, device, equipment, storage medium and product, aiming to solve the technical problem of low working efficiency of the banking system.

[0008] To achieve the above purpose, the present application proposes a method for separating and checking accounts, wherein the method comprises:

[0009] Obtain a bank account, and decouple the bank account into a deposit account and a capital account;

[0010] According to different business requirements received, calling the deposit account or the capital account to process corresponding business content;

[0011] During the day-end verification, the deposit account and the fund account are posted separately;

[0012] After the posting is completed, the deposit account and the capital account are checked to obtain a check result.

[0013] In one embodiment, the step of obtaining a bank account and decoupling the bank account into a deposit account and a capital account includes:

[0014] Obtain the account table, transaction table, end-of-day tasks and online business functions of the bank account;

[0015] Decouple the account table to obtain a basic account table and a customer account balance table;

[0016] Decoupling the transaction table to obtain a customer deposit transaction table and a customer funds transaction table;

[0017] Decouple the end-of-day tasks to obtain deposit-related tasks and fund-related tasks;

[0018] Decoupling the online business to obtain deposit-related online business and fund-related online business;

[0019] Combining the basic account table, the customer deposit transaction table, the deposit-related tasks and the deposit-related online services into a deposit account;

[0020] The customer account balance table, customer fund transaction table, fund-related tasks and fund-related online businesses are combined into a fund account.

[0021] In one embodiment, the step of decoupling the online service to obtain the deposit-related online service and the fund-related online service includes:

[0022] Obtaining account switch scenarios, fund transaction scenarios, and account query scenarios in the online business;

[0023] Decouple the account switch scenario to obtain a deposit account switch service and a fund account switch service;

[0024] Classify the fund transaction scenarios to obtain deposit fund transaction matters and fund freezing matters;

[0025] Classify the account query scenarios to obtain deposit-related query transactions and fund-related query transactions;

[0026] Combining the deposit account switch service, the deposit fund transaction service and the deposit-related query service to obtain a deposit-related online service;

[0027] The fund switch account service, the fund freeze transaction and the fund related query transaction are combined to obtain a fund related online service.

[0028] In one embodiment, during the day-end verification, the steps of posting the deposit account and the capital account respectively include:

[0029] Collecting records related to deposit accounts, reconciling said deposit accounts, making independent interest accrual summaries, and updating deposit account balances;

[0030] Collect relevant records of fund accounts, reconcile said fund accounts, and update fund account balances.

[0031] In one embodiment, after the posting is completed, the deposit account and the capital account are checked, and the step of obtaining the check result includes:

[0032] After the posting is completed, the data of the deposit account and the capital account are reviewed by querying the general ledger or the data warehouse;

[0033] Confirm that the data review is accurate and the data backup is accurate, complete the post-verification of the deposit account and the capital account, and obtain the verification result.

[0034] In one embodiment, the step of calling the deposit account or the capital account to process the corresponding business content according to the received different business requirements includes:

[0035] Receive business requirements;

[0036] According to the preset middle platform layer, select the microservice application corresponding to the business needs;

[0037] The deposit account or the capital account corresponding to the business demand is called, the microservice application is executed, and the corresponding business content is processed.

[0038] In addition, to achieve the above purpose, the present application also proposes an account separation and verification device, the account separation and verification device comprising:

[0039] An acquisition module, used to acquire a bank account and decouple the bank account into a deposit account and a capital account;

[0040] A calling module, used to call the deposit account or the fund account to process the corresponding business content according to different business requirements received;

[0041] A reconciliation module is used to process the deposit account and the capital account respectively during the end-of-day reconciliation;

[0042] The verification module is used to verify the deposit account and the capital account after the posting is completed to obtain the verification result.

[0043] In addition, to achieve the above-mentioned purpose, the present application also proposes an account separation and verification device, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, and the computer program is configured to implement the steps of the account separation and verification method described above.

[0044] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by the processor, the steps of the account separation and verification method described above are implemented.

[0045] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the steps of the account separation and verification method as described above.

[0046] One or more technical solutions proposed in this application have at least the following technical effects:

[0047] Compared with the related art, the traditional bank architecture implements deposits and capital accounts as a whole, which increases the complexity of system adjustment and leads to a decrease in the working efficiency of the bank system. In this application, by obtaining a bank account, the bank account is decoupled into a deposit account and a capital account; according to the different business needs received, the deposit account or the capital account is called to process the corresponding business content; at the end of the day, the deposit account and the capital account are respectively posted; after the posting is completed, the deposit account and the capital account are checked to obtain the check result. It can be understood that this application adopts the method of decoupling the bank account into a deposit account and a capital account. When according to the different business needs received, the deposit account system is more agile in iterative response to business needs by calling the deposit account or the capital account to process the corresponding business content, and the capital account system focuses more on capital transactions and reduces the impact of changes, so as to realize the two systems completely independent deployment, independent iteration, independent acceptance, and independent grayscale, thereby determining the improvement of business handling efficiency and finally completing the significant improvement of the working efficiency of the bank system. BRIEF DESCRIPTION OF THE DRAWINGS

[0048] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0049] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0050] Figure 1 A flowchart of the first embodiment of the method for separating and verifying accounts in this application;

[0051] Figure 2 A schematic diagram provided for the second embodiment of the method for separating and verifying accounts in this application;

[0052] Figure 3 A brief schematic diagram of the accounting separation and verification method provided in Example 2 of the present application;

[0053] Figure 4 This is a schematic diagram of the module structure of the account separation and verification device according to an embodiment of the present application;

[0054] Figure 5 This is a schematic diagram of the equipment structure of the hardware operating environment involved in the accounting separation and verification method in the embodiment of the present application.

[0055] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0056] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0057] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0058] The main solutions of the embodiments of this application are:

[0059] Obtain a bank account, and decouple the bank account into a deposit account and a capital account;

[0060] According to different business requirements received, calling the deposit account or the capital account to process corresponding business content;

[0061] During the day-end verification, the deposit account and the fund account are posted separately;

[0062] After the posting is completed, the deposit account and the capital account are checked to obtain a check result.

[0063] In this embodiment, the present application uses the account separation and verification device as the execution body. For the convenience of description, it is specifically described below as "device".

[0064] Since the existing technology implements deposits and capital accounts as a whole, the complexity of system adjustment increases, which leads to a decrease in the working efficiency of the banking system.

[0065] The present application provides a solution, which adopts the method of decoupling the bank account into a deposit account and a capital account. When different business needs are received, the deposit account system is called to iterate and respond to business needs more agilely by calling the deposit account or the capital account to process the corresponding business content. The capital account system is more focused on capital transactions and reduces the impact of changes. In this way, the two systems can be deployed completely independently, iterated independently, accepted independently, and grayscaled, thereby ensuring the improvement of business processing efficiency and ultimately completing a significant improvement in the working efficiency of the banking system.

[0066] It should be noted that the execution subject of this embodiment can be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device capable of realizing the above functions, an account separation and verification device, etc. The following takes the account separation and verification device as an example to illustrate this embodiment and the following embodiments.

[0067] In modern financial business processing, in order to better manage and handle different business needs, bank accounts are decoupled into two types: deposit accounts and capital accounts. Deposit accounts are mainly used to manage customers' deposits and record deposits and withdrawals, while capital accounts are used to handle customers' capital transactions, including transfers, payments and other operations. When receiving different business needs, the system will call the corresponding account for processing according to the nature of the needs. For example, when a customer needs to transfer or pay, the system will call the capital account to complete the operation; and when a customer needs to deposit or withdraw a deposit, the system will call the deposit account for processing. This decoupling method improves the flexibility and efficiency of the system and ensures that each account can focus on its core function. After the daily business processing is completed, in order to ensure the accuracy and consistency of account information, the system will post the deposit account and the capital account separately. Posting is the process of transferring transaction records in the journal to the ledger to ensure that all transactions are accurately recorded. This process is an important part of accounting and helps keep the accounts clear and orderly. After posting, the system will also check the deposit account and the capital account to ensure that the data between the two is consistent. The reconciliation results will reflect the health of the account, and any inconsistencies require further investigation and correction. Through this reconciliation mechanism, potential problems can be discovered and resolved in a timely manner, ensuring the accuracy and reliability of account information. In short, by decoupling bank accounts into deposit accounts and capital accounts, and calling the corresponding accounts for processing according to different business needs, the efficiency and flexibility of the system can be improved. At the same time, through the end-of-day posting processing and account reconciliation, the accuracy and consistency of account information can be ensured.

[0068] Based on this, the present application embodiment provides an account separation and verification method, referring to Figure 1 , Figure 1 This is a flow chart of the first embodiment of the accounting separation and verification method of the present application.

[0069] In this embodiment, the xxx method includes steps S10 to S40:

[0070] Step S10, obtaining a bank account, and decoupling the bank account into a deposit account and a capital account;

[0071] It should be noted that the bank account is an account used by individuals or enterprises to store and manage funds, and can be decoupled into a deposit account and a fund account to achieve more sophisticated business processing and management. The deposit account is one of the two accounts after decoupling, and is mainly used to handle business needs related to deposits. The fund account is the other account after decoupling, and is mainly used to handle business needs related to fund flow.

[0072] It is understandable that the traditional banking architecture implements deposits and capital accounts as a whole. Although there are advantages in program implementation and system complexity, the strong binding of deposits and capital accounts also leads to increased risks of changes and upgrades in deposit business, which is easy to cause capital risks. With market changes, the demand for various innovative deposit products has increased, and the demand for deposits is no longer limited to traditional standard products. The iteration speed of deposit-side demand has become faster. The design of binding capital accounts with deposit business in the traditional architecture will have associated impacts and redundant work in design and development, testing and verification, or in the production and deployment stage. Deposit accounts are decoupled from the underlying capital accounts. After decoupling, capital accounts are steady-state services, and deposit business services are agile services. The deposit system can iteratively respond to business needs more agilely, and the underlying capital account system can focus more on capital transactions to reduce the impact of changes.

[0073] In a feasible implementation, step S10 may include:

[0074] Obtain the account table, transaction table, end-of-day tasks and online business functions of the bank account;

[0075] Decouple the account table to obtain a basic account table and a customer account balance table;

[0076] Decoupling the transaction table to obtain a customer deposit transaction table and a customer funds transaction table;

[0077] Decouple the end-of-day tasks to obtain deposit-related tasks and fund-related tasks;

[0078] Decoupling the online business to obtain deposit-related online business and fund-related online business;

[0079] Combining the basic account table, the customer deposit transaction table, the deposit-related tasks and the deposit-related online services into a deposit account;

[0080] The customer account balance table, customer fund transaction table, fund-related tasks and fund-related online businesses are combined into a fund account.

[0081] It should be noted that the account table of the bank account is a table containing basic information of the bank account, such as account number, account type, account status, etc. It is used to record and manage the basic information of the bank account. The transaction table is a table that records the transaction details of the bank account, including transaction information such as deposits, withdrawals, and transfers. It is used to track and manage the flow of funds in the account. The end-of-day task refers to a series of tasks that need to be performed at the end of the bank's business day, such as account balance update, transaction record sorting, report generation, etc. The end-of-day task is an important part of the bank's daily operations to ensure the accuracy and consistency of data. The basic account table mainly stores information related to customer account deposits, including accounting information, deposit period information, interest calculation information, interest rate information, posting information, account opening and closing information, and deposit account status (including valid and closed). The customer account balance table mainly stores information related to the funds of the deposit customer account, including balance information, transaction control, limit control, account opening and closing information, and fund account status (including valid, frozen, abnormal, and closed). The fund account table only allows a very small number of fund account management colleagues to have query and operation and maintenance permissions, and higher-level leadership approval is required for operation and maintenance.

[0082] The customer deposit transaction table mainly stores transaction information based on deposit accounts, including deposit, withdrawal, interest payment, transfer, deduction and other transactions. The stored field information includes: product information, transaction information, interest settlement information, operation information and so on.

[0083] The customer funds transaction table mainly stores customer transaction information based on all fund accounts, including financial transactions, pre-authorized transactions, etc. The stored field information includes: entry information, transaction time, transaction amount, online balance, voucher information, operation information, summary information, counterparty information, etc.

[0084] The deposit-related tasks are the end-of-day task processing related to deposits, which mainly include deposit accrual, account posting, batch settlement, account closing at the beginning of the day, transfer, and periodic interest payment. The fund-related tasks are account balance control, fund account posting, and accounting general ledger processing. Since the two systems will post separately, a day-end step is also designed to check the posting balances of the two systems to avoid inconsistent posting balance information due to system abnormalities.

[0085] In another feasible implementation manner, the step of decoupling the online business to obtain the deposit-related online business and the fund-related online business includes:

[0086] Obtaining account switch scenarios, fund transaction scenarios, and account query scenarios in the online business;

[0087] Decouple the account switch scenario to obtain a deposit account switch service and a fund account switch service;

[0088] Classify the fund transaction scenarios to obtain deposit fund transaction matters and fund freezing matters;

[0089] Classify the account query scenarios to obtain deposit-related query transactions and fund-related query transactions;

[0090] Combining the deposit account switch service, the deposit fund transaction service and the deposit-related query service to obtain a deposit-related online service;

[0091] The fund switch account service, the fund freeze transaction and the fund related query transaction are combined to obtain a fund related online service.

[0092] For example, when a business actively initiates the opening of a current account or a fixed deposit account, the process is initiated from the deposit business system. While the deposit business system is opening an account, the deposit system interacts with the capital account system and calls the capital account system to open a capital account. Due to the existence of cross-machine transactions, transaction consistency must be guaranteed to avoid inconsistencies in the accounts on both sides.

[0093] When the business passively initiates account opening, each business system triggers the opening of a current account through a credit fund transaction. At this time, the current account is bound to the business system transaction (processed in the accounting system) and the account opening event is registered. The deposit system reads the account opening event information at the end of the day and writes back the system account information data to achieve final transaction consistency. If the relevant deposit business function is triggered before the data is written back at the end of the day in this scenario, the deposit system will identify the automatic opening data of the day's transaction through the account information returned by the accounting system query, and complete the data writeback in the same transaction of the relevant business function.

[0094] As a business system, deposits are similar to other business systems, such as financial management systems and fee collection systems. When processing fund transactions, the deposit system uses the software application or microservice application provided by the fund transaction middleware to record fund transactions.

[0095] When executing a freezing operation, the underlying fund account is frozen directly without going through the deposit business system.

[0096] According to the upstream query scenario requirements, if you need to query deposit-related information, such as interest rate information, etc., access the account query interface provided by the deposit system. While querying the deposit information, the query interface calls the capital accounting system to query the relevant account balance information.

[0097] If the upstream query demand only involves fund balance information and does not involve deposit information, the account query interface provided by the fund accounting system can be directly called through the gateway layer.

[0098] Step S20, calling the deposit account or the fund account to process the corresponding business content according to the received different business requirements;

[0099] It should be noted that the business requirements refer to specific tasks or functions that need to be completed. According to the different business requirements received, the corresponding deposit accounts or capital accounts will be called to process these requirements.

[0100] In a feasible implementation manner, the step of calling the deposit account or the capital account to process the corresponding business content according to the received different business requirements includes:

[0101] Receive business requirements;

[0102] According to the preset middle platform layer, select the microservice application corresponding to the business needs;

[0103] The deposit account or the capital account corresponding to the business demand is called, the microservice application is executed, and the corresponding business content is processed.

[0104] It should be noted that the business needs refer to specific business content that needs to be processed by technical means, such as customer registration, order management, etc. The middle platform layer refers to the preset service layer, which contains the core capabilities for processing business needs. The microservice application refers to independent services selected and called according to business needs, which can process specific business content.

[0105] It is understandable that, referring to Figure 2, in the digital transformation process of modern enterprises, receiving and accurately understanding business requirements is a crucial step. Once the business requirements are clearly defined, the next step is to select microservice applications that match the business requirements based on the preset middle platform layer within the enterprise. Microservice architecture is a method of decomposing a single application into a set of small services, each of which focuses on a specific business capability and can be deployed and expanded independently. The middle platform layer plays the role of a bridge. It contains general services and data processing capabilities to support different business needs. After selecting the appropriate microservice application, the system will call the deposit account or fund account related to the business requirement. These accounts not only contain fund information, but may also include important data such as customer information and transaction records. By calling these accounts, the microservice application can obtain the necessary information required to process the business content. Subsequently, the microservice application will start to execute and process the relevant business content. This may involve multiple operations such as account balance query, transfer operation, and update of transaction records. Throughout the process, it is very important to ensure the security and consistency of data. To this end, the system needs to adopt a series of technical means, such as transaction processing, data encryption, and identity authentication to ensure the reliability and security of business operations. In addition, in order to improve the user experience, the system also needs to provide a friendly interface and convenient operation process so that business personnel can easily complete the required operations. In short, by receiving business needs and using the preset middle platform and microservice architecture, enterprises can respond to market changes and customer needs more flexibly and efficiently. This model not only improves the efficiency of business processing, but also brings greater competitive advantages to enterprises.

[0106] Step S30, during the day-end verification, posting the deposit account and the capital account respectively;

[0107] In a feasible implementation manner, during the day-end verification, the steps of posting the deposit account and the capital account separately include:

[0108] Collecting records related to deposit accounts, reconciling said deposit accounts, making independent interest accrual summaries, and updating deposit account balances;

[0109] Collect relevant records of fund accounts, reconcile said fund accounts, and update fund account balances.

[0110] It should be noted that the reconciliation refers to checking the transaction records in the account with the statements provided by the bank or other financial institutions to ensure the accuracy and consistency of the account balance. The interest accrual refers to calculating the interest due based on the deposit amount in the account and the applicable interest rate.

[0111] For example, first, for deposit accounts, relevant records need to be collected and then reconciled to ensure that the account records are consistent with the actual situation. Next, an independent interest accrual summary is required to ensure that the interest calculation of the deposit account is accurate. Finally, the deposit account balance is updated to reflect the latest account status. Secondly, for funding accounts, relevant records also need to be collected and reconciled to ensure the accuracy of account records. Then, the funding account balance is updated to reflect the latest account status.

[0112] Step S40, after the posting is completed, the deposit account and the capital account are checked to obtain a check result.

[0113] In a feasible implementation manner, after the posting is completed, the deposit account and the capital account are checked, and the step of obtaining the check result includes:

[0114] After the posting is completed, the data of the deposit account and the capital account are reviewed by querying the general ledger or the data warehouse;

[0115] Confirm that the data review is accurate and the data backup is accurate, complete the post-verification of the deposit account and the capital account, and obtain the verification result.

[0116] Understandably, in financial work, ensuring that the accounts are accurate is crucial. After completing the posting operation, it is necessary to review the information of the deposit account and the capital account by querying the general ledger or extracting data from the data warehouse. This step is not just a simple data comparison, but also a reconfirmation of the entire accounting process. During the review process, it is necessary to ensure that every data item is accurate, including but not limited to account balances, transaction details, transfer records, etc. In addition, the accuracy of data backup must also be verified to prevent the loss of important data in emergencies. Only after confirming that all data reviews are accurate and data backups are correct can the post-check of the deposit account and the capital account be completed to obtain the final check result. This process is not only a guarantee of account accuracy, but also a maintenance of financial security and reliability.

[0117] This embodiment provides an account separation and verification method. This application adopts the method of decoupling the bank account into a deposit account and a capital account. When different business needs are received, the deposit account system is called to process the corresponding business content to achieve a more agile iterative response to business needs. The capital account system focuses more on capital transactions and reduces the impact of changes. In this way, the two systems are completely independently deployed, iterated, accepted, and grayed out, thereby ensuring the improvement of business processing efficiency and ultimately achieving a significant improvement in the work efficiency of the banking system.

[0118] For example, in order to help understand the implementation process of the accounting separation and verification method obtained by combining this embodiment with the above-mentioned embodiment 1, please refer to Figure 3 , Figure 3 A brief schematic diagram of the accounting separation and verification method is provided, specifically:

[0119] The core system that provides all functions such as fund transactions and deposit services is decoupled into an account middle platform that provides external access service functions and solves multi-cluster routing problems, a deposit system that provides deposit-related business functions, an accounting middle platform that provides transaction function entry and solves multi-cluster transaction consistency problems, and an accounting system that provides atomic accounting processing services and manages account balances and transaction information.

[0120] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the accounting separation and verification method of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0121] This application also provides an account separation and verification device, please refer to Figure 4 , the account separation and verification device comprises:

[0122] An acquisition module 10 is used to acquire a bank account and decouple the bank account into a deposit account and a capital account;

[0123] A calling module 20 is used to call the deposit account or the fund account to process the corresponding business content according to different business requirements received;

[0124] A reconciliation module 30, used for posting the deposit account and the fund account respectively during the end-of-day reconciliation;

[0125] The checking module 40 is used to check the deposit account and the capital account after the posting is completed to obtain a checking result.

[0126] And / or, the acquisition module 10 includes:

[0127] The first acquisition module is used to acquire the account table, transaction table, end-of-day tasks and online business functions of the bank account;

[0128] A first decoupling module, used to decouple the account table to obtain a basic account table and a customer account balance table;

[0129] A second decoupling module is used to decouple the transaction table to obtain a customer deposit transaction table and a customer fund transaction table;

[0130] A third decoupling module is used to decouple the end-of-day tasks to obtain deposit-related tasks and fund-related tasks;

[0131] A fourth decoupling module, used to decouple the online business to obtain deposit-related online business and fund-related online business;

[0132] A first combining module, used for combining the basic account table, the customer deposit transaction table, the deposit-related tasks and the deposit-related online services into a deposit account;

[0133] The second decoupling module is used to combine the customer account balance table, the customer fund transaction table, fund-related tasks and fund-related online services into a fund account.

[0134] And / or, the fourth decoupling module includes:

[0135] A second acquisition module is used to acquire the account switch scenario, fund transaction scenario and account query scenario in the online business;

[0136] A fifth decoupling module, used to decouple the account switch scenario to obtain a deposit account switch service and a fund account switch service;

[0137] A first classification module is used to classify the fund transaction scenarios to obtain deposit fund transaction matters and fund freezing matters;

[0138] A second classification module is used to classify the account query scenarios to obtain deposit-related query transactions and fund-related query transactions;

[0139] A second combining module is used to combine the deposit switch account service, the deposit fund transaction transaction and the deposit related query transaction to obtain a deposit related online service;

[0140] The third combination module is used to combine the fund switch account service, the fund freezing transaction and the fund related query transaction to obtain the fund related online service.

[0141] And / or, the reconciliation module 30 includes:

[0142] A first collection module, for collecting records related to deposit accounts, reconciling the deposit accounts, performing independent interest accrual summary, and updating the deposit account balances;

[0143] The second collection module is used to collect relevant records of the fund account, reconcile the fund account, and update the fund account balance.

[0144] And / or, the checking module 40 includes:

[0145] A first review module is used to review the data of the deposit account and the capital account by querying the general ledger or the data warehouse after the posting is completed;

[0146] The first confirmation module is used to confirm that the data review is accurate and the data backup is accurate, complete the post-check of the deposit account and the capital account, and obtain the check result.

[0147] And / or, the calling module 20 includes:

[0148] A first receiving module, used for receiving business requirements;

[0149] The first selection module is used to select the microservice application corresponding to the business demand according to the preset middle platform layer;

[0150] The first calling module is used to call the deposit account or the capital account corresponding to the business demand, execute the microservice application, and process the corresponding business content.

[0151] The account separation and verification device provided by the present application adopts the account separation and verification method in the above embodiment, which can solve the technical problem of low working efficiency of the banking system. Compared with the prior art, the beneficial effects of the account separation and verification device provided by the present application are the same as the beneficial effects of the account separation and verification method provided by the above embodiment, and other technical features in the account separation and verification device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0152] The present application provides an account separation and verification device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the account separation and verification method in the above-mentioned embodiment one.

[0153] Reference below Figure 5 , which shows a schematic diagram of the structure of an account separation and verification device suitable for implementing the embodiment of the present application. The account separation and verification device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, tablet computers, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PMPs (Portable Media Players), vehicle terminals (such as vehicle navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 5 The account separation and verification device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0154] like Figure 5As shown, the account separation and verification device may include a processing device 1001 (e.g., a central processing unit, a graphics processing unit, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. Various programs and data required for the operation of the account separation and verification device are also stored in the RAM 1004. The processing device 1001, the ROM 1002, and the RAM 1004 are connected to each other via a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Typically, the following systems can be connected to the I / O interface 1006: input devices 1007 including, for example, a touch screen, a touchpad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; output devices 1008 including, for example, a liquid crystal display (LCD), a speaker, a vibrator, etc.; storage devices 1003 including, for example, a magnetic tape, a hard disk, etc.; and communication devices 1009. The communication device 1009 can allow the account separation and reconciliation device to communicate wirelessly or wired with other devices to exchange data. Although the figure shows an account separation and reconciliation device with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems may be implemented or have alternatively.

[0155] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0156] The account separation and verification device provided by the present application adopts the account separation and verification method in the above embodiment, which can solve the technical problem of low working efficiency of the banking system. Compared with the prior art, the beneficial effects of the account separation and verification device provided by the present application are the same as the beneficial effects of the account separation and verification method provided by the above embodiment, and other technical features in the account separation and verification device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0157] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0158] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0159] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, and the computer-readable program instructions are used to execute the account separation and verification method in the above-mentioned embodiment.

[0160] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more 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 this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0161] The computer-readable storage medium may be included in the accounting separation and verification device; or may exist independently without being assembled into the accounting separation and verification device.

[0162] The computer-readable storage medium carries one or more programs. When the one or more programs are executed by the account separation and verification device, the account separation and verification device: obtains a bank account and decouples the bank account into a deposit account and a capital account;

[0163] According to different business requirements received, calling the deposit account or the capital account to process corresponding business content;

[0164] During the day-end verification, the deposit account and the fund account are posted separately;

[0165] After the posting is completed, the deposit account and the capital account are checked to obtain a check result.

[0166] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0167] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0168] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0169] The readable storage medium provided by the present application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned account separation and verification method, and can solve the technical problem of low working efficiency of the banking system. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided by the present application are the same as the beneficial effects of the account separation and verification method provided by the above-mentioned embodiment, and will not be repeated here.

[0170] The present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned account separation and verification method when executed by a processor.

[0171] The computer program product provided by this application can solve the technical problem of low working efficiency of the banking system. Compared with the prior art, the beneficial effects of the computer program product provided by this application are the same as the beneficial effects of the account separation and verification method provided by the above embodiment, which will not be repeated here.

[0172] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A method for separating and checking accounts, characterized in that: The method includes: Obtain a bank account, and decouple the bank account into a deposit account and a capital account; According to different business requirements received, calling the deposit account or the capital account to process corresponding business content; During the day-end verification, the deposit account and the fund account are posted separately; After the posting is completed, the deposit account and the capital account are checked to obtain a check result.

2. The method according to claim 1, characterized in that The step of obtaining a bank account and decoupling the bank account into a deposit account and a capital account comprises: Obtain the account table, transaction table, end-of-day tasks and online business functions of the bank account; Decouple the account table to obtain a basic account table and a customer account balance table; Decoupling the transaction table to obtain a customer deposit transaction table and a customer funds transaction table; Decouple the end-of-day tasks to obtain deposit-related tasks and fund-related tasks; Decoupling the online business to obtain deposit-related online business and fund-related online business; Combining the basic account table, the customer deposit transaction table, the deposit-related tasks and the deposit-related online services into a deposit account; The customer account balance table, customer fund transaction table, fund-related tasks and fund-related online businesses are combined into a fund account.

3. The method according to claim 2, characterized in that The step of decoupling the online business to obtain the deposit-related online business and the fund-related online business includes: Obtaining account switch scenarios, fund transaction scenarios, and account query scenarios in the online business; Decouple the account switch scenario to obtain a deposit account switch service and a fund account switch service; Classify the fund transaction scenarios to obtain deposit fund transaction matters and fund freezing matters; Classify the account query scenarios to obtain deposit-related query transactions and fund-related query transactions; Combining the deposit account switch service, the deposit fund transaction service and the deposit-related query service to obtain a deposit-related online service; The fund switch account service, the fund freeze transaction and the fund related query transaction are combined to obtain a fund related online service.

4. The method according to claim 1, characterized in that During the day-end verification, the steps of posting the deposit account and the capital account respectively include: Collecting records related to deposit accounts, reconciling said deposit accounts, making independent interest accrual summaries, and updating deposit account balances; Collect relevant records of fund accounts, reconcile said fund accounts, and update fund account balances.

5. The method according to claim 1, characterized in that After the posting is completed, the deposit account and the capital account are checked, and the step of obtaining the check result includes: After the posting is completed, the data of the deposit account and the capital account are reviewed by querying the general ledger or the data warehouse; Confirm that the data review is accurate and the data backup is accurate, complete the post-verification of the deposit account and the capital account, and obtain the verification result.

6. The method according to claim 1, characterized in that The step of calling the deposit account or the capital account to process the corresponding business content according to the received different business requirements includes: Receive business requirements; According to the preset middle platform layer, select the microservice application corresponding to the business needs; The deposit account or the capital account corresponding to the business demand is called, the microservice application is executed, and the corresponding business content is processed.

7. An account separation and verification device, characterized in that: The device comprises: An acquisition module, used to acquire a bank account and decouple the bank account into a deposit account and a capital account; A calling module, used to call the deposit account or the fund account to process the corresponding business content according to different business requirements received; A reconciliation module is used to process the deposit account and the capital account respectively during the end-of-day reconciliation; The verification module is used to verify the deposit account and the capital account after the posting is completed to obtain the verification result.

8. An account separation and verification device, characterized in that: The device comprises: a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the account separation and verification method according to any one of claims 1 to 6.

9. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the account separation and verification method according to any one of claims 1 to 6 are implemented.

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the account separation and verification method according to any one of claims 1 to 6 are implemented.

Images