Accounting engine suitable for cross-institution transaction
By decoupling transactions and accounting processing in the accounting engine and adopting an asynchronous notification mechanism, the system performance bottlenecks caused by synchronization transactions and accounting processing in the existing technology are solved, and more efficient system operation and data accuracy are achieved.
Patent Information
- Application Number
- CN202411728061.X
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-11-28
- Publication Date
- 2025-03-04
AI Technical Summary
The existing accounting engines have a high degree of coupling in transaction processing and accounting processing, resulting in a large amount of system resources occupied and reduced system operation efficiency.
Design an accounting engine suitable for cross-institutional transactions. By decoupling transactions and accounting and adopting an asynchronous notification mechanism, transaction events can be responded faster, thereby processing transactions and accounting processes in parallel.
It improves the operating efficiency of the system, ensures the consistency and accuracy of data, avoids duplicate processing and error recording, and supports cross-institutional transaction processing and clearing.
Smart Images
Figure CN119558973A_ABST
Abstract
Description
Technical Field
[0001] The present invention relates to the field of new generation information technology, and in particular to a calculation engine suitable for cross-institutional transactions. Background Art
[0002] Banks are involved in more and more financial transactions. Each financial transaction may have a corresponding business component to execute the transaction content. In addition to executing financial transactions, business components may also need to perform accounting for the financial transactions in order to realize the accounting records of the financial transactions. In the traditional accounting system, the accounting part is processed in a tightly coupled mode with the transaction part. As a complete event, transactions and accounting are completed and responded to in the same functional module, so that each transaction needs to be processed before the next transaction can be processed. This way of synchronous processing of transactions and accounting has become a bottleneck for system performance, especially during peak trading periods, when system resources are occupied for a long time, resulting in a decrease in the response speed of transactions in the queue state, affecting the user experience, especially when encountering more long transaction events. The simultaneous processing of transactions and accounting leads to longer transaction processing time, which may lead to transaction processing failures. At the same time, it also increases the pressure on the system when processing high-concurrency transactions and reduces the overall operation efficiency of the system. Summary of the invention
[0003] The present invention is intended to provide a calculation engine to solve the problem that the current calculation engine is in a highly coupled state for transaction processing and calculation processing, resulting in a large amount of system resources being occupied and the system operation efficiency being reduced.
[0004] In order to solve the above problems, the present invention adopts a technical solution of a calculation engine suitable for cross-institutional transactions: comprising the following modules running independently; The transaction receiving module is used to receive transaction flow data and perform data format check and integrity verification; The idempotence processing module obtains the unique transaction identifier of the transaction flow data and performs idempotence verification logic on the transaction flow data to ensure that each transaction is processed only once; The transaction parsing module converts the transaction flow data after idempotence verification into a format that can be read by the accounting unit. A calculation rule storage module stores calculation rule algorithms for various transaction types; The accounting rule matching module automatically matches the accounting rule algorithm that conforms to the transaction information according to the transaction information; The accounting process module uses the accounting rule algorithm to calculate the matched transactions; The entry generation module is used to convert the calculated transaction object into an entry object, and to improve the identity information of the transaction counterparty in the entry object through the calculation result to form one or more pairs of accounting entries; The clearing processing module is used to handle cross-institutional transaction clearing and ensure the correct settlement of funds between participating institutions.
[0005] Compared with the prior art, this application has the following beneficial effects: The accounting engine of this application adopts a method of decoupling transactions and accounting, and enables transaction events to respond more quickly through an asynchronous notification mechanism, so that the entire system can process both transaction and accounting processes in parallel, thereby improving the operating efficiency of the system.
[0006] Through measures such as idempotence checks, the new accounting engine can ensure data consistency and accuracy, avoiding duplicate processing and erroneous records.
[0007] The modular design can quickly adapt to new business needs and market changes, and is easy to expand and integrate new functions.
[0008] The new accounting engine supports cross-institutional transaction processing and clearing, which helps improve the efficiency of collaboration between different institutions and ensures smooth capital flow.
[0009] Preferably, it also includes a day-end processing module for performing day-end settlement including balance settlement and report generation, ensuring that all transactions are processed correctly and preparing for the next trading day.
[0010] Preferably, it further comprises a sub-account management module and a general account management module, wherein the sub-account management module is used to manage customer account information, and the general ledger management module is used to update the balance and account transaction status of the general ledger account.
[0011] Preferably, a monitoring and reporting module is also included, which collects abnormal logs of transaction processing and accounting processes through the ELK stack, regularly scans SQL to see if there is any failed data, and finally generates accounting-related reports and logs for auditing and decision analysis.
[0012] Preferably, the transaction receiving module uses the middleware rocketMq to receive transaction flow data information.
[0013] Preferably, the transaction parsing module converts the format of the transaction type, transaction scenario, channel product code, channel code and accounting scenario code through the transaction identifier.
[0014] Preferably, when the clearing processing module is used to process cross-institutional transaction clearing, it first determines whether the institutions of the two transaction parties in the transaction flow information are the same. If they are not the same, it is necessary to query the transaction institution information of both parties and obtain an institution link through the addressing algorithm. After obtaining the institution link, it will perform another entry splitting and accounting to ensure the correct circulation of funds in the institutions in the entry information. BRIEF DESCRIPTION OF THE DRAWINGS
[0015] Figure 1 A diagram of the functional architecture of an accounting engine suitable for cross-institutional transactions. DETAILED DESCRIPTION
[0016] The following is further described in detail by specific implementations, but the implementations of the present invention are not limited thereto. Unless otherwise specified, the technical means used in the following implementations are conventional means well known to those skilled in the art.
[0017] An accounting engine suitable for cross-institutional transactions, including the following modules that run independently: The transaction receiving module uses the middleware rocketMq to receive transaction flow data information; and checks the format and verifies the integrity of the transaction flow data.
[0018] The idempotence processing module obtains the unique transaction identifier of the transaction flow data and performs idempotence verification logic on the transaction flow data to ensure that each transaction is processed only once.
[0019] The transaction parsing module converts the format of the transaction flow data after idempotence verification. The converted format can be read by the accounting unit. The transaction flow data includes transaction type, transaction scenario, channel product code, channel code and accounting scenario code.
[0020] The transaction scenario represents different transaction types or scenarios. The channel product code identifies the specific product involved in the transaction. The channel code indicates which channel the transaction is conducted through. The channel product code identifies the specific product code in the channel. The accounting scenario code indicates a specific accounting scenario.
[0021] The calculation rule storage module is used to store calculation rule algorithms for various transaction types.
[0022] The accounting rule matching module automatically matches the accounting rule algorithm that conforms to the transaction information based on the transaction information.
[0023] The accounting rule algorithm matches the accounting rules through the following process: Step 1: Perform initial matching: Use transaction scenario, channel code, channel product code, and accounting scenario code as key-value pairs to search for completely matching rules in the accounting rule storage module.
[0024] Step 2: If the initial match fails: First, discard the channel product code and use the remaining three elements for matching. If there is no match, discard the channel product code and accounting scenario code, and use the transaction scenario and channel code for matching. And so on, continue to discard the channel code, accounting scenario code and channel product code until a matching rule is found or only the transaction scenario is left.
[0025] Step 3: Handling of no matches: If no matching rule is found even after discarding all elements, the unmatched transaction information will be persisted to the error table, and relevant personnel will be notified to adjust the accounting rules.
[0026] It can dynamically select the most appropriate accounting rules based on the detailed information of the transaction, and can also flexibly respond to new transaction types or scenarios to ensure the accuracy and timeliness of accounting.
[0027] The accounting process module uses the accounting rule algorithm to calculate the matched transactions.
[0028] The entry generation module is used to convert the calculated transaction object into an entry object, and to improve the identity information of the counterparty in the entry object through the calculation result to form one or more pairs of accounting entries.
[0029] The clearing processing module is used to process cross-institutional transaction clearing and ensure the correct settlement of funds between participating institutions. In the process of processing cross-institutional transaction clearing, the clearing processing module first determines whether the institutions of the two parties in the transaction flow information are the same. If they are not the same, it is necessary to query the transaction institution information of both parties and obtain an institution link through the addressing algorithm. After obtaining the institution link, it will perform another entry splitting and accounting to ensure the correct circulation of funds in the institutions in the entry information.
[0030] The sub-account management module is used to manage customer account information, and the general ledger management module is used to update the balance and account transaction status of the general ledger account.
[0031] The monitoring and reporting module collects exception logs of transaction processing and accounting processes through the ELK stack, periodically scans SQL to see if there is any failed data, and finally generates accounting-related reports and logs for auditing and decision analysis.
[0032] The end-of-day processing module is used to perform end-of-day settlement including balance settlement and report generation, ensuring that all transactions are processed correctly and preparing for the next trading day.
[0033] The design of the new accounting engine adopts a decoupled approach from transactions, and implements accounting by receiving transaction information. This design makes the accounting process more flexible and efficient, and can better adapt to the complexity and variability of financial business.
[0034] For example, if account a under subject A in institution X1 transfers 100 yuan to account b under subject B in other institution Y1 through the accounting system, A is the debit and B is the credit. After the transaction is successful, the transaction information will be assembled into JSON information of the general transaction object and sent to the accounting system through MQ.
[0035] The transaction and accounting process is as follows: First, convert the transaction JSON information into an object for information verification.
[0036] Then, convert it into accounting aggregation object for parsing.
[0037] Then, it is stored in the warehouse for idempotence verification.
[0038] Next, query the accounting rules through fields such as transaction code, channel code, channel product code, and scenario code, and generate an entry information set based on the accounting rules.
[0039] Finally, the general ledger and transaction amount in the entry information are used to update the general ledger day-end data, and the account and account transaction amount in the transaction information are used to update the day-end amounts of account a and account b.
[0040] When forming the entry information set, determine whether cross-institution clearing is required. If necessary, query the borrower and lender institutions to obtain the institution link, re-split and generate the entry information set. The split method is: institution X1: X0->X1->X2->top; institution Y1: Y0->Y1->Y2->top; if X2=Y2, the institution link is: X1->X2(Y2)->Y1.
[0041] It should be noted that the accounting engine for cross-institutional transactions of the present application runs on a machine-readable medium, which may be a computer-readable signal medium or a computer-readable storage medium or any combination of the two.
[0042] The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to, an electrical connection with one or more conductors, 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 thereof.
[0043] The above is only an embodiment of the present invention, and the common knowledge such as the known specific technical solutions and / or characteristics in the solution is not described in detail here. It should be pointed out that for those skilled in the art, without departing from the technical solution of the present invention, several modifications and improvements can be made, which should also be regarded as the protection scope of the present invention, and these will not affect the effect of the implementation of the present invention and the practicality of the patent. The scope of protection required by this application shall be based on the content of its claims, and the specific implementation methods and other records in the specification can be used to interpret the content of the claims.
Claims
1. A calculation engine suitable for cross-institutional transactions, characterized in that: Includes the following modules that run independently; The transaction receiving module is used to receive transaction flow data and perform data format check and integrity verification; The idempotence processing module obtains the unique transaction identifier of the transaction flow data and performs idempotence verification logic on the transaction flow data to ensure that each transaction is processed only once; The transaction parsing module converts the transaction flow data after idempotence verification into a format that can be read by the accounting unit. A calculation rule storage module stores calculation rule algorithms for various transaction types; The accounting rule matching module automatically matches the accounting rule algorithm that conforms to the transaction information according to the transaction information; The accounting process module uses the accounting rule algorithm to calculate the matched transactions; The entry generation module is used to convert the calculated transaction object into an entry object, and to improve the identity information of the transaction counterparty in the entry object through the calculation result to form one or more pairs of accounting entries; The clearing processing module is used to handle cross-institutional transaction clearing and ensure the correct settlement of funds between participating institutions.
2. A calculation engine suitable for cross-institutional transactions according to claim 1, characterized in that ,It also includes the end-of-day processing module, which is used to perform the end-of-day settlement including balance settlement and report generation, ensuring that all transactions are processed correctly and the preliminary preparations for the next trading day are ready.
3. A calculation engine suitable for cross-institutional transactions according to claim 2, characterized in that: It also includes a sub-account management module and a general account management module. The sub-account management module is used to manage customer account information, and the general ledger management module is used to update the balance and account transaction status of the general ledger account.
4. A calculation engine suitable for cross-institutional transactions according to claim 3, characterized in that: It also includes a monitoring and reporting module, which collects exception logs of transaction processing and accounting processes through the ELK stack, regularly scans SQL to see if there is any failed data, and finally generates accounting-related reports and logs for auditing and decision analysis.
5. A calculation engine suitable for cross-institutional transactions according to claim 4, characterized in that: The transaction receiving module adopts the middleware rocketMq to receive transaction flow data information.
6. A calculation engine suitable for cross-institutional transactions according to claim 5, characterized in that: The transaction parsing module converts the format of the transaction type, transaction scenario, channel product code, channel code and accounting scenario code through the transaction identifier.
7. A calculation engine suitable for cross-institutional transactions according to claim 6, characterized in that: When the clearing processing module is used to process cross-institutional transaction clearing, it first determines whether the institutions of the two transaction parties in the transaction flow information are the same. If they are not the same, it is necessary to query the transaction institution information of both parties and obtain an institution link through the addressing algorithm. After obtaining the institution link, it will perform another entry splitting and accounting to ensure the correct circulation of funds in the institutions in the entry information.