Method and device for processing entry data, medium, program product and bank and enterprise platform

Abstract

The invention relates to the technical field of data processing, and particularly discloses an accounting data processing method and device, a medium, a program product and a bank and enterprise platform, and the accounting data processing method comprises the following steps: obtaining a daytime account checking message of a current date sent by a bank; determining a first verification value of each transaction in the daytime account checking message; the collection transaction in the day account checking message is pushed for entry processing; obtaining a day end account checking message sent by the bank at the end of the current date; determining a second verification value of each transaction in the day end account checking message; according to the first verification value and the second verification value, screening out collection transactions which are not recorded in the daily end account checking message; according to the method and the device, the non-posted collection transaction is pushed for posting processing, so that the timeliness of the service can be improved through the cooperation of the day-time reconciliation message and the day-end reconciliation message, and meanwhile, the accuracy of posting statistics is ensured.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a method and device for processing account entry data, a medium, a program product, and a bank-enterprise platform. Background Art

[0002] With the rapid development of Internet technology, more and more companies are conducting overseas business. For the smooth development of overseas business, the ability to complete the reconciliation of bills in a timely manner has become an important indicator.

[0003] In related technologies, corporate users generally obtain the bank's daily statement after the bank's daily settlement to enter it into the company's internal financial system. However, since transactions may occur in the account at any time, the technical solutions adopted by related technologies will seriously affect the timeliness of the business and easily increase the error rate of accounting. Summary of the Invention

[0004] The present invention aims to at least partially address one of the technical problems in the related art. To this end, a first object of the present invention is to provide a method for processing account entry data that can improve the timeliness of operations while ensuring the accuracy of account entry statistics by coordinating intraday and end-of-day reconciliation messages.

[0005] A second object of the present invention is to provide a computer-readable storage medium.

[0006] A third object of the present invention is to provide a computer program product.

[0007] A fourth object of the present invention is to provide a device for processing accounting data.

[0008] The fifth object of the present invention is to provide a bank-enterprise platform.

[0009] To achieve the above-mentioned purpose, an embodiment of the first aspect of the present invention proposes a method for processing account entry data, which includes the following steps: obtaining the daily reconciliation message of the current date sent by the bank; determining the first verification value of each transaction in the daily reconciliation message; pushing the collection transactions in the daily reconciliation message for account entry processing; at the end of the current date, obtaining the end-of-day reconciliation message sent by the bank; determining the second verification value of each transaction in the end-of-day reconciliation message; filtering out the collection transactions that have not been recorded in the end-of-day reconciliation message based on the first verification value and the second verification value; and pushing the collection transactions that have not been recorded for account entry processing.

[0010] The method for processing account data in an embodiment of the present invention first obtains the daily reconciliation message of the current date, then determines the first verification value of each transaction therein, and first records the collection transactions in the daily reconciliation message to ensure the timeliness of the business. After the end of the current date, the end-of-day reconciliation message of the current date can be obtained, and then the second verification value of each transaction in the end-of-day reconciliation message is determined. Then, the first verification value and the second verification value are compared to screen out the collection transactions that have not been recorded in the end-of-day reconciliation message, and then record the unrecorded collection transactions to ensure the accuracy of the account statistics.

[0011] In some embodiments of the present invention, the intraday reconciliation message of the current date includes multiple copies, and the method further includes: when determining the first verification value of each transaction in the current intraday reconciliation message, also determining the temporary verification value of the current intraday reconciliation message; performing anti-duplication verification on the current intraday reconciliation message based on the temporary verification value of the current intraday reconciliation message and the temporary verification value of the previous intraday reconciliation message, and when the temporary verification value of the current intraday reconciliation message is different from the temporary verification value of the previous intraday reconciliation message, determining that the current intraday reconciliation message passes the anti-duplication verification.

[0012] In some embodiments of the present invention, each transaction includes multiple transaction parameters, and the first verification value and the second verification value are both calculated and determined based on the transaction parameters of the corresponding transaction.

[0013] In some embodiments of the present invention, the method further includes: canceling the payment transaction entry push in the intraday reconciliation message, and updating the payment instruction status corresponding to the active payment type transaction in the payment transaction.

[0014] In some embodiments of the present invention, the method further includes: determining the account push status of the payment transaction in the end-of-day reconciliation message as a pending status; if the type of the payment transaction is an active payment type, then after updating the payment instruction status corresponding to the active payment type transaction, pushing the active payment type transaction for account processing; if the type of the payment transaction is a passive payment type, then directly pushing the passive payment type transaction for account processing.

[0015] In some embodiments of the present invention, the transaction messages corresponding to the first verification value and the second verification value both include an account push status and a suspicious status. The filtering out of the unrecorded collection transactions in the end-of-day reconciliation message based on the first verification value and the second verification value includes: determining an exclusion designated verification value from the first verification value based on the account push status and the suspicious status of each transaction in the intraday reconciliation message, and determining a to-be-screened verification value from the second verification value based on the suspicious status of each transaction in the end-of-day reconciliation message; and screening the to-be-screened verification values ​​based on the exclusion designated verification value to determine the unrecorded collection transactions in the end-of-day reconciliation message.

[0016] In some embodiments of the present invention, after pushing the unrecorded collection transaction for accounting processing, the method also includes: updating the suspicious status of the message corresponding to the transaction with the excluded specified verification value based on the number of the excluded specified verification values ​​and the number of the verification values ​​to be screened, and updating at least one of the suspicious status and the accounting push status of the message corresponding to the transaction with the verification value to be screened.

[0017] In some embodiments of the present invention, when the number of the excluded specified verification values ​​is equal to the number of the verification values ​​to be screened, the suspicious status of the message corresponding to the transaction with the excluded specified verification values ​​is updated to the processed status, and the suspicious status of the message corresponding to the transaction with the verification values ​​to be screened is updated to the confirmed suspicious status, and the account push status is updated to the sent cancellation status.

[0018] In some embodiments of the present invention, when the number of the excluded specified verification values ​​is less than or equal to the number of the verification values ​​to be screened, if the number of the excluded specified verification values ​​is zero, the suspicious status of the message of the transaction corresponding to the verification value to be screened is updated to a confirmed non-suspicious status; if the number of the excluded specified verification values ​​is non-zero, the suspicious status of the message of the transaction corresponding to the verification value to be screened is updated to a suspicious pending confirmation status.

[0019] In some embodiments of the present invention, when the suspicious status of the message of the transaction corresponding to the to-be-screened verification value is in the suspicious to-be-confirmed status, if the to-be-screened verification value is the same as the exclusion specified verification value, the suspicious status of the message of the transaction corresponding to the to-be-screened verification value is updated to the confirmed suspicious status, the account push status is updated to the sent cancellation status, and the suspicious status of the message of the transaction corresponding to the exclusion specified verification value is updated to the processed status; if the to-be-screened verification value is different from the exclusion specified verification value, the suspicious status of the message of the transaction corresponding to the to-be-screened verification value is updated to the confirmed non-suspicious status, and the suspicious status of the message of the transaction corresponding to the exclusion specified verification value is updated to the processed status.

[0020] To achieve the above objectives, a second embodiment of the present invention provides a computer-readable storage medium on which a transaction entry program is stored. When the transaction entry program is executed by a processor, the method for processing entry data described in any one of the above embodiments is implemented.

[0021] The computer-readable storage medium of an embodiment of the present invention executes the transaction entry program stored thereon through a processor, and can cooperate with the daily reconciliation message and the end-of-day reconciliation message to improve the timeliness of the business and ensure the accuracy of the entry statistics.

[0022] To achieve the above-mentioned purpose, a third embodiment of the present invention provides a computer program product, including a computer program. When the computer program is executed by a processor, it implements the method for processing accounting data described in any one of the above-mentioned embodiments.

[0023] The computer program product of the embodiment of the present invention executes the computer program stored thereon through a processor, and can cooperate with daily reconciliation messages and end-of-day reconciliation messages to improve the timeliness of business and ensure the accuracy of account entry statistics.

[0024] To achieve the above-mentioned purpose, the fourth aspect of the present invention proposes a device for processing account data, which includes: an acquisition module for acquiring the intraday reconciliation message of the current date sent by the bank; a determination module for determining the first verification value of each transaction in the intraday reconciliation message; a processing module for pushing the collection transactions in the intraday reconciliation message for account processing; the acquisition module is also used to acquire the end-of-day reconciliation message sent by the bank at the end of the current date; the determination module is also used to determine the second verification value of each transaction in the end-of-day reconciliation message; a screening module is used to screen out the unrecorded collection transactions in the end-of-day reconciliation message based on the first verification value and the second verification value; the processing module is used to push the unrecorded collection transactions for account processing.

[0025] The processing device for accounting data of an embodiment of the present invention includes an acquisition module, a determination module, a processing module and a screening module, wherein the acquisition module first acquires the daily reconciliation message of the current date, and then determines the first verification value of each transaction therein through the determination module, and first uses the processing module to process the collection transactions in the daily reconciliation message to ensure the timeliness of the business. After the end of the current date, the acquisition module can acquire the end-of-day reconciliation message of the current date, and then the determination module determines the second verification value of each transaction in the end-of-day reconciliation message. Then the screening module compares the first verification value and the second verification value, and can screen out the collection transactions that have not been recorded in the end-of-day reconciliation message. The processing module then records the collection transactions that have not been recorded to ensure the accuracy of the accounting statistics.

[0026] To achieve the above-mentioned purpose, a fifth embodiment of the present invention proposes a bank-enterprise platform, which includes the processing device for accounting data of the above-mentioned embodiment.

[0027] The bank-enterprise platform of the present invention can cooperate with the daily reconciliation messages and the end-of-day reconciliation messages through the processing device of the account data of the above embodiment to improve the timeliness of the business and ensure the accuracy of the account statistics.

[0028] Additional aspects and advantages of the present invention will be set forth in part in the description which follows and, in part, will be obvious from the description which follows, or may be learned through practice of the present invention. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] Figure 1 This is a schematic diagram of an application of a method for processing accounting data according to an embodiment of the present invention;

[0030] Figure 2 This is a schematic diagram of the structure of an application platform for a method for processing account entry data in one embodiment of the present invention;

[0031] Figure 3 is a flow chart of a method for processing accounting data according to one embodiment of the present invention;

[0032] Figure 4 is a flow chart of a method for processing account entry data according to a specific embodiment of the present invention;

[0033] Figure 5 is a flow chart of a method for processing account entry data according to another specific embodiment of the present invention;

[0034] Figure 6 is a flow chart of a method for processing account entry data according to another specific embodiment of the present invention;

[0035] Figure 7 is a block diagram of an apparatus for processing account entry data according to an embodiment of the present invention;

[0036] Figure 8 It is a structural block diagram of the bank-enterprise platform in an embodiment of the present invention. DETAILED DESCRIPTION

[0037] The following describes embodiments of the present invention in detail, examples of which are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are intended to be used to explain the present invention, and are not to be construed as limiting the present invention.

[0038] The following describes the method and apparatus for processing account entry data, media, program products, and bank-enterprise platform according to embodiments of the present invention with reference to the accompanying drawings.

[0039] First, it should be noted that the method for processing account data of the present invention is applied to the bank-enterprise platform 200, which can connect to the overseas bank 400 via the SWIFT (Society for Worldwide Interbank Financial Telecommunication) network, thereby providing conditions for transfers between enterprises and overseas banks. Figure 1 As shown, the enterprise's financial system 100 is connected to the bank-enterprise platform 200 in communication. The connection method may include wired connection and wireless connection. The specific connection method may not be limited. The bank-enterprise platform 200 establishes a connection with the SWIFT front-end through a network firewall to complete the connection with the SWIFT network through the SWIFT front-end 300, so that the overseas bank 400 can establish a communication connection with the bank-enterprise platform 200 through the SWIFT network. In order to further ensure the security of communication, a network firewall is also set between the SWIFT front-end 300 and the SWIFT network to isolate unsafe information.

[0040] Further, if Figure 2 As shown, the bank-enterprise platform 200 of the present invention includes a bank-enterprise channel 201, a bank-enterprise core 202, a settlement core 203 and an online banking sub-platform 204.

[0041] Among them, the SWIFT front-end 300 can be used to receive and store statement message files transmitted by overseas banks through the SWIFT network in a predetermined format. It should be noted that the predetermined format of the present invention may include MT (Message Type) 942 / MT940, Camt. (Customer Account Message Transaction, customer account transaction information) 052 / Camt.053.

[0042] The bank-enterprise channel 201 is used to parse the files received from overseas banks through different interface templates, and then return unified interface data to the front-end system.

[0043] The bank-enterprise core 202 is used to receive the bank return message sent after parsing by the bank-enterprise channel 201, and then provide interface query, display, operation and other functions, and can provide an interface back to the front-end peripheral system. The present invention mainly processes the statement message.

[0044] The settlement core 203 is used to identify the current day's payment transactions, collection transactions, active deduction transactions, etc., and update the SWIFT account where the transaction occurred on the current day's ending balance, match the business type and customer through internal automatic accounting rules, and report for accounting.

[0045] The online banking platform 204 can process transactions successfully recorded by the financial system through the settlement core 203, push them to the corporate online banking, and automatically claim them to the peripheral business system by the unit business or system for the next step of business invoice verification and account processing.

[0046] The following describes in detail the method for processing the account entry data of the present invention. Figure 3 The figure is a flowchart of a method for processing accounting data according to an embodiment of the present invention.

[0047] like Figure 3 As shown, the present invention proposes a method for processing account data, which includes the following steps:

[0048] S10, obtaining the intraday reconciliation message of the current date sent by the bank.

[0049] Specifically, the bank in this embodiment may be an overseas bank. When the balance in an enterprise's bank account changes, the bank may send a daily reconciliation message to the enterprise for reconciliation, facilitating real-time accounting and statistical processing. It should be noted that in some embodiments of the present invention, not all direct connection solutions of overseas banks support daily reconciliation during the actual connection between the enterprise and the bank. Therefore, in the specific implementation process, the front-end routing of the bank-enterprise core may also be used to call the corresponding interface processing according to the reconciliation mode attribute settings of different SWIFT direct connection accounts.

[0050] For example, if the pre-routing determines that the bank's direct connection solution does not support intraday reconciliation messages, it will wait for the bank to send an end-of-day reconciliation message to perform end-of-day reconciliation. However, if the bank's direct connection solution supports intraday reconciliation messages, it can perform intraday reconciliation and, after the intraday reconciliation is completed, perform end-of-day reconciliation based on the end-of-day reconciliation message.

[0051] In this embodiment, the current date may refer to the current day, that is, if a transaction occurs between midnight and midnight on the current day, it can be confirmed as a current transaction, and the bank can then send a corresponding daily reconciliation message to the enterprise after the transaction occurs.

[0052] Because time zones vary across countries, the company's bank-enterprise platform can identify the country time zone of the statement account after receiving the intraday reconciliation message. Specifically, the basic data from the company's financial system can be used as a key factor in determining the timeliness of the intraday reconciliation message. If it is determined that the intraday reconciliation message is not from the current date, it will be deemed invalid transaction data and subsequent accounting operations will not be performed.

[0053] S20, determining a first verification value for each transaction in the intraday reconciliation message.

[0054] Specifically, the intraday reconciliation message for the current date includes multiple copies, and each intraday reconciliation message includes at least one transaction. In order to mark each transaction to prevent duplicate accounting, this embodiment also determines a first verification value for each transaction. Specifically, the first verification value can be determined based on multiple transaction parameters of the transaction.

[0055] For example, multiple transaction parameters may include the value date, account entry date, loan identifier, currency, amount, local account number, account bank reference number, account service bank reference number, counterparty account name, etc., and the rules for determining hash values ​​may be different for banks in different regions. For example, the unique combination elements of Citibank Singapore may be: value date, account entry date, loan identifier, currency, amount, local account number, account bank reference number, account service bank reference number, counterparty account name. The system can generate a unique hash value for the corresponding transaction based on the rules to facilitate subsequent filtering of duplicate transactions in the end-of-day reconciliation report.

[0056] S30: Push the collection transaction in the daily reconciliation message for account entry.

[0057] Specifically, the daily reconciliation message includes collection transactions and payment transactions. Since the present invention records transactions, only collection transactions need to be processed. In order to ensure the timeliness of recording, after receiving the daily reconciliation message, the collection transactions in the daily reconciliation message can be recorded in a timely manner, and the company's financial system can be updated in a timely manner.

[0058] S40: At the end of the current date, obtain the end-of-day reconciliation message sent by the bank.

[0059] Specifically, after the end of the day, the bank will send the day-end reconciliation message to the bank-enterprise platform. The day-end reconciliation message may include all transactions in the day-end reconciliation messages for the day for verification by the bank-enterprise platform.

[0060] Optionally, the file format of the intraday reconciliation message is MT942 or Camt.052, and the file format of the end-of-day reconciliation message is MT940 or Camt.053. Specifically, the file type can be judged by the front-end routing to determine whether the reconciliation message sent by the bank is an intraday reconciliation message or a end-of-day reconciliation message.

[0061] S50: Determine a second verification value for each transaction in the end-of-day reconciliation message.

[0062] Specifically, in order to verify each transaction in the intraday reconciliation message to prevent duplicate accounting, this embodiment also calculates a second verification value for each transaction in the end-of-day reconciliation message. The specific calculation method can be the same as the calculation method of the first verification value, thereby ensuring that the verification values ​​calculated for the same transaction in the intraday reconciliation message and the end-of-day reconciliation message are the same, so that each transaction can be accurately verified subsequently, greatly reducing the chance of duplicate accounting.

[0063] S60: Filter out the unrecorded collection transactions in the end-of-day reconciliation message according to the first verification value and the second verification value.

[0064] Specifically, this embodiment can use the first verification value as a target to screen the second verification value. If the second verification value is the same as the first verification value, it indicates that they are the same transaction. Since the transaction has been pushed for accounting processing in the daily reconciliation message, there is no need to push the transaction again in the end-of-day reconciliation message to avoid duplicate accounting.

[0065] Therefore, in this step, it is necessary to filter out the unrecorded incoming transactions. Specifically, the incoming transactions corresponding to the second verification value that is different from the first verification value can be filtered out. These incoming transactions are unrecorded, as shown in Table 1:

[0066] Table 1

[0067]

[0068] It should be noted that the hash value in Table 1 represents the check value, which can be obtained by adding the type, interest accrual date, account entry date, loan identifier, currency, amount, local account number, account bank reference number, and account service bank reference number after format conversion. It can also be obtained by other calculation methods. The specific calculation method is not limited, and it is only required that the calculation method of the first check value and the second check value be the same.

[0069] S70: Push the unrecorded payment transaction for recording.

[0070] Specifically, since some transactions cannot be entered into the account system for accounting processing through the daily reconciliation message due to transaction type restrictions, these transactions need to be recorded and processed through the end-of-day reconciliation message, which results in the transactions in the daily reconciliation message and the transactions in the end-of-day reconciliation message not being completely consistent. Therefore, there may be a difference between the first verification value and the second verification value. After determining the unrecorded collection transactions based on the first verification value and the second verification value, these collection transactions are pushed into the account system for accounting processing, thereby ensuring the accuracy of transaction accounting processing.

[0071] In some embodiments of the present invention, the intraday reconciliation message for the current date includes multiple copies, and the method for processing the account data also includes: when determining the first verification value of each transaction in the current intraday reconciliation message, also determining the temporary verification value of the current intraday reconciliation message; performing anti-duplication verification on the current intraday reconciliation message based on the temporary verification value of the current intraday reconciliation message and the temporary verification value of the previous intraday reconciliation message, and when the temporary verification value of the current intraday reconciliation message is different from the temporary verification value of the previous intraday reconciliation message, determining that the current intraday reconciliation message passes the anti-duplication verification.

[0072] Specifically, since there is a possibility of repeated transmission of the daily reconciliation message, this embodiment, when determining the first check value for each transaction in the current daily reconciliation message, also determines a temporary check value for the current daily reconciliation message. Optionally, the calculation method of the temporary check value and the first check value can be the same or different, but the temporary check value of all daily reconciliation messages must be limited to the same. After the temporary check value of the current daily reconciliation message is determined, it needs to be compared with the temporary check value of the previous daily reconciliation message. If the temporary check values ​​of the two daily reconciliation messages are the same, it means that the current daily reconciliation message has been obtained and no further operation is required, that is, the current daily reconciliation message has failed the anti-duplicate check. If the temporary check value of the current daily reconciliation message is different from the temporary check value of the previous daily reconciliation message, it can be determined that the current daily reconciliation message has not been obtained and needs to be recorded, that is, the current daily reconciliation message has passed the anti-duplicate check.

[0073] In some embodiments of the present invention, the method for processing account entry data further includes: canceling the account entry push of the payment transaction in the daily reconciliation message, and updating the payment instruction status corresponding to the active payment type exchange in the payment transaction.

[0074] Specifically, since this embodiment ensures the real-time nature of receipt transactions, for payment transactions in the intraday reconciliation message, to ensure smooth and efficient execution of the receipt transaction, this embodiment can first cancel the payment transaction entry push in the intraday reconciliation message, and then push it in the end-of-day reconciliation message. After canceling the payment transaction entry push in the intraday reconciliation message, the corresponding payment instruction status is updated, for example, from a pending status to a not-accepted status.

[0075] In a specific embodiment, Figure 4As shown, first, the bank-enterprise core can receive the daily reconciliation message from the bank-enterprise channel, and then use the front-end routing to determine whether the bank-enterprise platform supports the daily reconciliation message format. After that, the time zone conversion of each transaction in the daily reconciliation message is processed one by one, and the current date of the account country is obtained. Then, it is determined whether the accounting date is the current date. If not, the subsequent steps are terminated, because the daily reconciliation message only processes the reconciliation message of the current date. If the accounting date is the current date, the first check value and temporary check value of each transaction can be further determined. After obtaining the temporary check value of each transaction, anti-duplicate verification can be performed using the temporary check value. After that, each transaction is interpreted and written into the temporary transaction table of the reconciliation statement. Among them, the account push status of each transaction is pending, and the suspicious status is pending. Identify the payment and receipt identifier of each transaction in the temporary transaction table of the statement to determine whether each transaction is a collection transaction. If so, push the corresponding transaction to the account system, and update the account push status of the completed transaction to the sent status. If it is a suspicious status, it will remain in the pending status. Of course, if the transaction to be pushed fails to be included in the table, the account push status of the transaction will be updated to the sent failure status. If it is determined not to be a collection transaction, further determine whether it is a main payment type transaction, that is, an active payment type. If so, update the status of the payment instruction and end the process. If not, end the process directly. It should be noted that in this daily reconciliation message, only collection type transactions are pushed to the account system, while deduction type transactions are not pushed, and only the payment instruction status of the main payment type transactions in the deduction type is updated.

[0076] In this embodiment, the method for processing account data further includes: determining the account push status of the payment transaction in the end-of-day reconciliation message as a pending status; if the type of the payment transaction is an active payment type, then after updating the payment instruction status corresponding to the active payment type transaction, pushing the active payment type transaction for account processing; if the type of the payment transaction is a passive payment type, then directly pushing the passive payment type transaction for account processing.

[0077] Specifically, the above embodiment only describes the daily reconciliation message, and most of its steps can also be applied to the end-of-day reconciliation message. However, the difference is that in the end-of-day reconciliation message, the payment transaction needs to be pushed for account entry. Specifically, after the step of determining whether the transaction is a collection transaction, if it is determined that the transaction is not a collection transaction, it is a payment transaction, and the account push status of the payment transaction is determined to be a pending state, and then it is determined whether it is the main payment. If so, after updating the payment instruction status corresponding to the exchange, the transaction is also pushed to the account system for table entry processing. If it is not the main payment, the transaction is directly pushed to the account system for table entry processing.

[0078] Specific as Figure 5 As shown, Figure 5 and Figure 4 Similar steps can be found in Figure 4 The relevant description of Figure 5 In the process, after determining that the transaction is a collection transaction, the first verification value and the second verification value will be compared to determine the collection transactions that have not been recorded, and then the collection transactions that have not been recorded can be pushed to ensure the accuracy of the recording statistics.

[0079] It should be noted that the transaction messages corresponding to the first verification value and the second verification value both include an identification bit to indicate the account push status and whether it is a suspicious status, wherein whether it is a suspicious status is obtained based on the comparison result of the first verification value and the second verification value. If the first verification value is the same as the second verification value, it means that the transaction corresponding to the first verification value and the transaction corresponding to the second verification value are the same transaction, then there is no need to push the account in the end-of-day reconciliation message to prevent duplicate accounting. At this time, the suspicious status of this transaction can be determined as a suspicious status, otherwise it is other status. For details, please refer to the relevant description of the following embodiment.

[0080] In some embodiments, the unrecorded collection transactions in the end-of-day reconciliation message are screened out based on the first verification value and the second verification value, including: determining an exclusion designated verification value from the first verification value based on the entry push status and whether the status is suspicious for each transaction in the daily reconciliation message, and determining a to-be-screened verification value from the second verification value based on whether the status is suspicious for each transaction in the end-of-day reconciliation message; screening the to-be-screened verification value based on the exclusion designated verification value to determine the unrecorded collection transactions in the end-of-day reconciliation message.

[0081] Specifically, this embodiment can be performed in the temporary transaction table of the reconciliation statement. Since all transactions that have been sent in the daily reconciliation message fall into the temporary transaction table, and all transactions in the end-of-day reconciliation message that have not been confirmed as suspicious also fall into the temporary transaction table, to ensure the accuracy of the screening results, this embodiment also filters each transaction in the daily payment message and each transaction in the end-of-day reconciliation message. Specifically, since the exchange corresponding to the daily reconciliation message falling into the temporary transaction table has an account push status of "successfully sent" and an unprocessed status for the suspicious status, the exclusion designated check value is also determined based on the first check values ​​of the transactions corresponding to these two statuses. In other words, not all first check values ​​can be used as the exclusion designated check value. Only the first check values ​​corresponding to exchanges that meet the requirements for account push status and suspicious status can be used. For each transaction in the end-of-day reconciliation message, it is only necessary to judge whether it is in a suspicious state, because each transaction in the end-of-day reconciliation message has not been pushed yet and needs to be pushed after the push is completed. Therefore, the second verification value of the transaction corresponding to whether the suspicious state is an unprocessed state and a suspicious pending confirmation state is determined as the verification value to be screened. Because whether the transaction is confirmed to be non-suspicious, confirmed to be suspicious, or processed, it has been determined whether the transaction needs to be pushed. Therefore, this embodiment only determines the second verification value of the transaction corresponding to whether the suspicious state is an unprocessed state and a suspicious pending confirmation state as the verification value to be screened, thereby reducing the number of screenings and improving screening efficiency.

[0082] In this embodiment, after pushing the unaccounted collection transaction for accounting processing, the method also includes: updating the suspicious status of the message corresponding to the transaction excluding the specified verification value based on the number of excluded specified verification values ​​and the number of verification values ​​to be screened, and updating at least one of the suspicious status and accounting push status of the message corresponding to the transaction corresponding to the verification value to be screened.

[0083] Specifically, after the comparison obtains the unaccounted collection transactions, these unaccounted collection transactions are pushed to the financial system for accounting processing. After the push is completed, the suspicious status of the message corresponding to the transaction of the specified verification value can be further updated according to the number of excluded specified verification values ​​and the number of verification values ​​to be screened, and at least one of the suspicious status and the account push status of the message corresponding to the transaction of the verification value to be screened can be updated. The relevant description of the specific update results can be combined with the following embodiments and Figure 6 Provide a detailed description.

[0084] In this embodiment, when the number of excluded specified verification values ​​is equal to the number of verification values ​​to be screened, the suspicious status of the message corresponding to the transaction with the excluded specified verification value is updated to the processed status, and the suspicious status of the message corresponding to the transaction with the verification value to be screened is updated to the confirmed suspicious status, and the account push status is updated to the sent cancellation status.

[0085] When the number of excluded specified check values ​​is less than the number of check values ​​to be screened, if the number of excluded specified check values ​​is zero, the suspicious status of the message corresponding to the transaction with the check value to be screened is updated to a confirmed non-suspicious status; if the number of excluded specified check values ​​is non-zero, the suspicious status of the message corresponding to the transaction with the check value to be screened is updated to a suspicious pending confirmation status.

[0086] When the suspicious status of the message of the transaction corresponding to the to-be-screened verification value is in the suspicious pending confirmation state, if the to-be-screened verification value is the same as the exclusion specified verification value, the suspicious status of the message of the transaction corresponding to the to-be-screened verification value is updated to the confirmed suspicious state, the account push status is updated to the sent cancellation state, and the suspicious status of the message of the transaction corresponding to the exclusion specified verification value is updated to the processed state; if the to-be-screened verification value is different from the exclusion specified verification value, the suspicious status of the message of the transaction corresponding to the to-be-screened verification value is updated to the confirmed non-suspicious state, and the suspicious status of the message of the transaction corresponding to the exclusion specified verification value is updated to the processed state.

[0087] Specifically, when the number of excluded specified check values ​​is equal to the number of to-be-screened check values, it means that all the collection transactions in the end-of-day reconciliation message have been pushed through the intraday reconciliation message, so all the collection transactions in the end-of-day reconciliation message have also been pushed. Therefore, the suspicious status of the message corresponding to the to-be-screened check value in the end-of-day reconciliation message can be updated to the confirmed suspicious status, and then the account push status can be updated to the sent cancellation status, because it has been sent in the intraday reconciliation message. If it is not revoked, it will cause duplicate accounting. In addition, the suspicious status of the message corresponding to the excluded specified check value needs to be updated to the processed status, indicating that the suspicious status of the transaction in the intraday reconciliation message has been judged, and no further judgment is required. It should be noted that the account push status of the message corresponding to the excluded specified check value continues to be the sent successful status.

[0088] When the number of excluded designated check values ​​is less than the number of pending check values, it indicates that there are unaccounted transactions in the end-of-day reconciliation message. This embodiment further determines whether the number of excluded designated check values ​​is zero. If so, all incoming transactions in the end-of-day reconciliation message are unaccounted transactions. The second check values ​​corresponding to these unaccounted transactions are all pending check values. Therefore, the suspicious status of these transaction messages can be updated to confirmed non-suspicious, meaning that no first check value and second check value are identical. If the number of excluded designated check values ​​is not zero, it indicates that some of the pending check values ​​have been accounted for, but some have not. In this case, the suspicious status of the messages corresponding to the pending check values ​​is first updated to suspicious pending confirmation.

[0089] When the suspicious status of the transaction message corresponding to the pending check value is updated to the suspicious pending confirmation status, the pending check value is compared with the exclusion specified check value. If they are the same, it means that the transaction has been pushed in the intraday reconciliation message. Then the suspicious status of the transaction message corresponding to the pending check value needs to be updated to the confirmed suspicious status, the account push status also needs to be updated to the sent cancellation status, and the suspicious status of the transaction message corresponding to the exclusion specified check value needs to be updated to the processed status. If the pending check value and the exclusion specified check value are different, it does not mean that the transaction has not been pushed through the intraday reconciliation message. Therefore, it needs to be pushed through the end-of-day reconciliation message, that is, the suspicious status of the transaction message corresponding to the pending check value needs to be updated to the confirmed non-suspicious status, and the suspicious status of the transaction message corresponding to the exclusion specified check value needs to be updated to the processed status.

[0090] In summary, the method for processing account entry data according to the embodiment of the present invention can improve the timeliness of business while ensuring the accuracy of account entry statistics by coordinating the intraday reconciliation message and the end-of-day reconciliation message.

[0091] Furthermore, the present invention provides a computer-readable storage medium on which a transaction entry program is stored. When the transaction entry program is executed by a processor, the method for processing entry data of any of the above embodiments is implemented.

[0092] The computer-readable storage medium of an embodiment of the present invention executes the transaction entry program stored thereon through a processor, and can cooperate with the daily reconciliation message and the end-of-day reconciliation message to improve the timeliness of the business and ensure the accuracy of the entry statistics.

[0093] Furthermore, the present invention provides a computer program product, including a computer program, which, when executed by a processor, implements the method for processing accounting data in any one of the above embodiments.

[0094] The computer program product of the embodiment of the present invention executes the computer program stored thereon through a processor, and can cooperate with daily reconciliation messages and end-of-day reconciliation messages to improve the timeliness of business and ensure the accuracy of account entry statistics.

[0095] Figure 7 4 is a block diagram of an apparatus for processing accounting data according to an embodiment of the present invention.

[0096] Further, if Figure 7 As shown, the present invention proposes a device 700 for processing account data. The device 700 for processing account data includes an acquisition module 701 , a determination module 702 , a processing module 703 and a screening module 704 .

[0097] Among them, the acquisition module 701 is used to obtain the daily reconciliation message of the current date sent by the bank; the determination module 702 is used to determine the first verification value of each transaction in the daily reconciliation message; the processing module 703 is used to push the collection transactions in the daily reconciliation message for accounting processing; the acquisition module 701 is also used to obtain the end-of-day reconciliation message sent by the bank at the end of the current date; the determination module 702 is also used to determine the second verification value of each transaction in the end-of-day reconciliation message; the screening module 704 is used to screen out the collection transactions that have not been recorded in the end-of-day reconciliation message based on the first verification value and the second verification value; the processing module 703 is used to push the collection transactions that have not been recorded for accounting processing.

[0098] In some embodiments of the present invention, the intraday reconciliation message of the current date includes multiple copies, and the determination module 702 is also used to determine the temporary check value of the current intraday reconciliation message when determining the first check value of each transaction in the current intraday reconciliation message; the processing module 703 is also used to perform anti-duplication verification on the current intraday reconciliation message based on the temporary check value of the current intraday reconciliation message and the temporary check value of the previous intraday reconciliation message, and when the temporary check value of the current intraday reconciliation message is different from the temporary check value of the previous intraday reconciliation message, it is determined that the current intraday reconciliation message passes the anti-duplication verification.

[0099] In some embodiments of the present invention, each transaction includes multiple transaction parameters, and the first verification value and the second verification value are both calculated and determined based on the transaction parameters of the corresponding transaction.

[0100] In some embodiments of the present invention, the processing module 703 is further configured to cancel the payment transaction entry push in the intraday reconciliation message, and update the payment instruction status corresponding to the active payment type transaction in the payment transaction.

[0101] In some embodiments of the present invention, the determination module 702 is further configured to determine the payment transaction's entry push status in the end-of-day reconciliation message as a pending-sending status; the processing module 703 is further configured to, if the payment transaction type is an active payment type, push the active payment type transaction for entry processing after updating the payment instruction status corresponding to the active payment type transaction; and, if the payment transaction type is a passive payment type, directly push the passive payment type transaction for entry processing.

[0102] In some embodiments of the present invention, the transaction messages corresponding to the first verification value and the second verification value both include an account push status and a suspicious status. The screening module 704 is further used to determine the exclusion of specified verification values ​​from the first verification value based on the account push status and the suspicious status of each transaction in the intraday reconciliation message, and to determine the verification value to be screened from the second verification value based on the suspicious status of each transaction in the end-of-day reconciliation message; the verification value to be screened is screened based on the exclusion of specified verification values ​​to determine the collection transactions that have not been recorded in the end-of-day reconciliation message.

[0103] In some embodiments of the present invention, after pushing the unrecorded collection transaction for accounting processing, the processing module 703 is also used to update the suspicious status of the message corresponding to the transaction excluding the specified verification value based on the number of excluded specified verification values ​​and the number of verification values ​​to be screened, and to update at least one of the suspicious status and the accounting push status of the message corresponding to the transaction corresponding to the verification value to be screened.

[0104] In some embodiments of the present invention, the processing module 703 is also used to update the suspicious status of the message corresponding to the transaction excluding the specified verification value to the processed status when the number of excluded specified verification values ​​is equal to the number of verification values ​​to be screened, and to update the suspicious status of the message corresponding to the transaction to the verification value to be screened to the confirmed suspicious status and the account push status to the sent cancellation status.

[0105] In some embodiments of the present invention, the processing module 703 is also used to update the suspicious status of the message corresponding to the transaction with the verification value to be screened to a confirmed non-suspicious status when the number of excluded specified verification values ​​is less than or equal to the number of verification values ​​to be screened, if the number of excluded specified verification values ​​is zero; if the number of excluded specified verification values ​​is non-zero, then update the suspicious status of the message corresponding to the transaction with the verification value to be screened to a suspicious pending confirmation status.

[0106] In some embodiments of the present invention, the processing module 703 is also used to update the suspicious status of the message corresponding to the transaction with the to-be-screened verification value to a confirmed suspicious status, update the account push status to a sent cancellation status, and update the suspicious status of the message corresponding to the transaction with the to-be-screened verification value to a processed status when the suspicious status of the message corresponding to the transaction with the to-be-screened verification value is in a suspicious pending confirmation status, if the to-be-screened verification value is the same as the exclusion specified verification value; if the to-be-screened verification value is different from the exclusion specified verification value, update the suspicious status of the message corresponding to the transaction with the to-be-screened verification value to a confirmed non-suspicious status, and update the suspicious status of the message corresponding to the transaction with the to-be-screened verification value to a processed status.

[0107] It should be noted that the specific implementation of the device for processing accounting data in the embodiment of the present invention can refer to the specific implementation of the method for processing accounting data in the above embodiment, and will not be described again here to avoid redundancy.

[0108] In summary, the apparatus for processing account entry data according to the embodiment of the present invention can improve the timeliness of business operations and ensure the accuracy of account entry statistics by coordinating the intraday reconciliation message and the end-of-day reconciliation message.

[0109] Figure 8 It is a structural block diagram of the bank-enterprise platform in an embodiment of the present invention.

[0110] Further, if Figure 8 As shown, the present invention proposes a bank-enterprise platform 200, which includes the processing device 700 for processing the account entry data of the above embodiment.

[0111] The bank-enterprise platform of the present invention can cooperate with the daily reconciliation messages and the end-of-day reconciliation messages through the processing device of the account data of the above embodiment to improve the timeliness of the business and ensure the accuracy of the account statistics.

[0112] In addition, other components and functions of the bank-enterprise platform in the embodiment of the present invention are known to those skilled in the art and will not be described here in detail to reduce redundancy.

[0113] It should be noted that the logic and / or steps represented in the flowcharts or otherwise described herein, for example, can be considered as a sequenced list of executable instructions for implementing the logical functions, and can be embodied in any computer-readable medium for use by an instruction execution system, apparatus, or device (such as a computer-based system, a system including a processor, or other system that can fetch and execute instructions from an instruction execution system, apparatus, or device), or in conjunction with such instruction execution system, apparatus, or device. For the purposes of this specification, a "computer-readable medium" can be any device that can contain, store, communicate, propagate, or transmit a program for use by an instruction execution system, apparatus, or device, or in conjunction with such instruction execution system, apparatus, or device. More specific examples (non-exhaustive list) of computer-readable media include the following: an electrical connection portion having one or more wires (electronic device), a portable computer disk cartridge (magnetic device), random access memory (RAM), read-only memory (ROM), erasable and programmable read-only memory (EPROM or flash memory), fiber optic devices, and portable compact disc read-only memory (CDROM). Furthermore, the computer-readable medium may even be paper or other suitable medium on which the program is printed, since the program may be obtained electronically, for example, by optically scanning the paper or other medium and then editing, interpreting or processing it in another suitable manner if necessary, and then storing it in a computer memory.

[0114] It should be understood that various parts of the present invention can be implemented using hardware, software, firmware, or a combination thereof. In the above-described embodiments, multiple steps or methods can be implemented using software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented using hardware, as in another embodiment, any one of the following technologies known in the art or a combination thereof can be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application-specific integrated circuit having a suitable combination of logic gate circuits, a programmable gate array (PGA), a field programmable gate array (FPGA), etc.

[0115] Throughout this specification, reference to terms such as "one embodiment," "some embodiments," "examples," "specific examples," or "some examples" means that a specific feature, structure, material, or characteristic described in conjunction with that embodiment or example is included in at least one embodiment or example of the present invention. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the specific features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.

[0116] In the description of the present invention, it should be understood that the terms "center", "longitudinal", "lateral", "length", "width", "thickness", "up", "down", "front", "back", "left", "right", "vertical", "horizontal", "top", "bottom", "inside", "outside", "clockwise", "counterclockwise", "axial", "radial", "circumferential" and the like to indicate orientations or positional relationships based on the orientations or positional relationships shown in the accompanying drawings, and are only for the convenience of describing the present invention and simplifying the description, rather than indicating or implying that the device or element referred to must have a specific orientation, be constructed and operated in a specific orientation, and therefore should not be understood as limiting the present invention.

[0117] In addition, the terms "first" and "second" used in the embodiments of the present invention are only used for descriptive purposes and should not be understood as indicating or implying relative importance, or implicitly indicating the number of technical features indicated in this embodiment. Therefore, the features defined by the terms "first" and "second" in the embodiments of the present invention can explicitly or implicitly indicate that the embodiment includes at least one of such features. In the description of the present invention, the word "plurality" means at least two or two or more, such as two, three, four, etc., unless otherwise clearly and specifically defined in the embodiments.

[0118] In the present invention, unless otherwise clearly specified or limited in the embodiments, the terms "installed," "connected," "connect," and "fixed" appearing in the embodiments should be understood in a broad sense. For example, the connection may be a fixed connection, a detachable connection, or an integral connection. It can also be a mechanical connection, an electrical connection, etc.; of course, it can also be a direct connection, or an indirect connection through an intermediate medium, or it can be internal communication between two elements, or an interaction between two elements. For those skilled in the art, the specific meanings of the above terms in the present invention can be understood based on the specific implementation.

[0119] In the present invention, unless otherwise expressly specified or limited, when a first feature is "above" or "below" a second feature, it may mean that the first and second features are in direct contact, or that the first and second features are in indirect contact through an intermediary. Furthermore, when a first feature is "above," "above," or "above" a second feature, it may mean that the first feature is directly above or diagonally above the second feature, or simply means that the first feature is at a higher level than the second feature. When a first feature is "below," "below," or "below" a second feature, it may mean that the first feature is directly below or diagonally below the second feature, or simply means that the first feature is at a lower level than the second feature.

[0120] Although the embodiments of the present invention have been shown and described above, it will be understood that the above embodiments are illustrative and are not to be construed as limitations on the present invention. A person skilled in the art may change, modify, replace and modify the above embodiments within the scope of the present invention.

Claims

1. A method for processing account entry data, characterized in that: The method comprises: Get the intraday reconciliation message of the current date sent by the bank; Determining a first verification value for each transaction in the intraday reconciliation message; Push the collection transaction in the daily reconciliation message for account entry processing; At the end of the current date, obtaining a day-end reconciliation message sent by the bank; Determining a second verification value for each transaction in the end-of-day reconciliation message; Filter out the unrecorded collection transactions in the end-of-day reconciliation message according to the first verification value and the second verification value; Push the unrecorded collection transaction for recording.

2. The method for processing account entry data according to claim 1, characterized in that: The intraday reconciliation message of the current date includes a plurality of copies, and the method further includes: When determining the first verification value of each transaction in the current intraday reconciliation message, also determining a temporary verification value of the current intraday reconciliation message; The current intraday reconciliation message is checked against duplicates based on its temporary check value and the temporary check value of the previous intraday reconciliation message, and when the temporary check value of the current intraday reconciliation message is different from the temporary check value of the previous intraday reconciliation message, it is determined that the current intraday reconciliation message has passed the anti-duplicate check.

3. The method for processing account entry data according to claim 1, characterized in that: Each of the transactions includes a plurality of transaction parameters, and the first verification value and the second verification value are both calculated and determined according to the transaction parameters of the corresponding transaction.

4. The method for processing account entry data according to claim 1, characterized in that: The method further comprises: The entry push of the payment transaction in the intraday reconciliation message is canceled, and the payment instruction status corresponding to the active payment type transaction in the payment transaction is updated.

5. The method for processing account entry data according to claim 4, characterized in that: The method further comprises: Determine the payment transaction entry push status in the end-of-day reconciliation message as a pending-sending status; If the type of the payment transaction is an active payment type, after updating the payment instruction status corresponding to the active payment type transaction, push the active payment type transaction for account entry processing; If the type of the payment transaction is a passive payment type, the passive payment type transaction is directly pushed for account entry processing.

6. The method for processing account entry data according to claim 1, characterized in that: The transaction messages corresponding to the first verification value and the second verification value both include an account entry push status and a suspicious status, and the step of screening out the unaccounted collection transactions in the end-of-day reconciliation message according to the first verification value and the second verification value includes: Determine the exclusion of a designated verification value from the first verification value according to the account entry push status and whether the transaction is suspicious in the intraday reconciliation message, and determine the to-be-screened verification value from the second verification value according to whether the transaction is suspicious in the end-of-day reconciliation message; The to-be-screened check values ​​are screened according to the exclusion designated check values ​​to determine the collection transactions that have not been recorded in the end-of-day reconciliation message.

7. The method for processing account entry data according to claim 6, characterized in that: After pushing the unrecorded payment transaction for recording, the method further includes: The suspicious status of the message corresponding to the transaction with the excluded specified verification value is updated according to the number of the excluded specified verification values ​​and the number of the verification values ​​to be screened, and at least one of the suspicious status and the account push status of the message corresponding to the transaction with the verification value to be screened is updated.

8. The method for processing account entry data according to claim 7, characterized in that: When the number of the excluded specified verification values ​​is equal to the number of the verification values ​​to be screened, the suspicious status of the message corresponding to the transaction of the excluded specified verification value is updated to the processed status, and the suspicious status of the message corresponding to the transaction of the verification value to be screened is updated to the confirmed suspicious status, and the account push status is updated to the sent cancellation status.

9. The method for processing account entry data according to claim 7, characterized in that: When the number of the exclusion specified check values ​​is less than the number of the to-be-screened check values, if the number of the exclusion specified check values ​​is zero, updating the suspicious status of the transaction message corresponding to the to-be-screened check value to a confirmed non-suspicious status; If the number of the excluded designated check values ​​is non-zero, the suspicious status of the message of the transaction corresponding to the to-be-screened check value is updated to a suspicious to-be-confirmed status.

10. The method for processing account entry data according to claim 9, characterized in that: When the suspicious status of the message of the transaction corresponding to the to-be-screened verification value is in the suspicious pending confirmation status, if the to-be-screened verification value is the same as the exclusion specified verification value, the suspicious status of the message of the transaction corresponding to the to-be-screened verification value is updated to the confirmed suspicious status, the account push status is updated to the sending cancellation status, and the suspicious status of the message of the transaction corresponding to the exclusion specified verification value is updated to the processed status; If the check value to be screened is different from the specified check value to be excluded, the suspicious status of the message corresponding to the transaction with the check value to be screened is updated to a confirmed non-suspicious status, and the suspicious status of the message corresponding to the transaction with the specified check value to be excluded is updated to a processed status.

11. A computer-readable storage medium, characterized in that: A transaction entry program is stored thereon, and when the transaction entry program is executed by the processor, the method for processing entry data described in any one of claims 1 to 10 is implemented.

12. A computer program product, characterized in that It includes a computer program, which, when executed by a processor, implements the method for processing accounting data according to any one of claims 1 to 10.

13. A device for processing account data, characterized in that: The device comprises: The acquisition module is used to obtain the intraday reconciliation message of the current date sent by the bank; A determination module, used to determine a first verification value for each transaction in the intraday reconciliation message; A processing module, used for pushing the collection transaction in the daily reconciliation message for account entry processing; The acquisition module is further configured to acquire, at the end of the current date, a day-end reconciliation message sent by the bank; The determination module is further used to determine a second verification value for each transaction in the end-of-day reconciliation message; A screening module, configured to screen out the unrecorded collection transactions in the end-of-day reconciliation message according to the first verification value and the second verification value; The processing module is used to push the un-accounted collection transaction for accounting processing.

14. A bank-enterprise platform, characterized in that: A device for processing accounting data comprising the device described in claim 13.

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