Reconciliation method and device, equipment, storage medium and program product

Abstract

The embodiment of the invention provides an account checking method and device, equipment, a storage medium and a program product, and relates to the field of financial science and technology or other related fields. The method comprises the steps of determining a target reconciliation period of a clearing system and a target transaction system based on the reconciliation period of the clearing system and the reconciliation period of the target transaction system; based on the target reconciliation period, obtaining first transaction data of a clearing system in the target reconciliation period from a first database corresponding to the clearing system, and obtaining second transaction data of the target transaction system in the target reconciliation period from a second database corresponding to the target transaction system; based on the first transaction data and the second transaction data, account checking processing of the target account checking period is carried out, and an account checking result of the target account checking period is acquired. According to the method provided by the invention, the collaboration between the bank system and each partner transaction system is enhanced, and the customer experience is improved.

Description

Technical Field

[0001] The present application relates to the field of financial technology or other related fields, and in particular to a reconciliation method, device, equipment, storage medium and program product. Background Art

[0002] With the continuous development of the financial field, the business cooperation between the banking system and the trading systems of various partners has continued to deepen. The banking system and the trading systems of various partners need to provide accounting services to customers so that customers can understand the whereabouts of funds in a timely manner.

[0003] When the current banking system and each partner's transaction system provide accounting services to customers, generally the banking system and each partner's transaction system obtain the account movement status within the corresponding reconciliation cycle according to their own corresponding reconciliation cycle, and provide accounting services to customers based on the corresponding account movement status.

[0004] However, the reconciliation cycles between the bank system and the transaction systems of various partners are often inconsistent, which results in inconsistencies in the account movement status that customers receive from the bank system and the transaction systems of various partners, reducing the synergy between the bank system and the transaction systems of various partners and affecting customer experience. Summary of the invention

[0005] The present application provides a reconciliation method, device, equipment, storage medium and program product to solve the technical problem that the account movement status learned by customers through the bank system and the transaction systems of various partners is inconsistent, the coordination between the bank system and the transaction systems of various partners is reduced, and the customer experience is affected.

[0006] In a first aspect, the present application provides a reconciliation method, comprising: determining a target reconciliation cycle between the clearing system and the target trading system based on the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system;

[0007] Based on the target reconciliation cycle, first transaction data of the clearing system in the target reconciliation cycle is obtained from a first database corresponding to the clearing system, and second transaction data of the target trading system in the target reconciliation cycle is obtained from a second database corresponding to the target trading system;

[0008] Reconciliation processing of the target reconciliation cycle is performed based on the first transaction data and the second transaction data, and a reconciliation result of the target reconciliation cycle is obtained.

[0009] In a second aspect, the present application provides a reconciliation device, comprising: a determination module, configured to determine a target reconciliation cycle between the clearing system and the target trading system based on the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system;

[0010] an acquisition module, configured to acquire, based on the target reconciliation cycle, first transaction data of the clearing system in the target reconciliation cycle from a first database corresponding to the clearing system, and to acquire second transaction data of the target transaction system in the target reconciliation cycle from a second database corresponding to the target transaction system;

[0011] a processing module, configured to perform reconciliation processing of the target reconciliation cycle based on the first transaction data and the second transaction data;

[0012] The acquisition module is further used to acquire the reconciliation result of the target reconciliation cycle.

[0013] In a third aspect, the present application provides an electronic device, comprising: a processor, and a memory communicatively connected to the processor;

[0014] The memory stores computer-executable instructions;

[0015] The processor executes the computer-executable instructions stored in the memory to implement the method according to the first aspect.

[0016] In a fourth aspect, the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, they are used to implement the method described in the first aspect.

[0017] In a fifth aspect, the present application provides a computer program product, including a computer program, which implements the method described in the first aspect when executed by a processor.

[0018] The reconciliation method, apparatus, equipment, storage medium and program product provided in the present application determine the target reconciliation cycle of the clearing system and the target trading system based on the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system; based on the target reconciliation cycle, obtain the first transaction data of the clearing system within the target reconciliation cycle from the first database corresponding to the clearing system, and obtain the second transaction data of the target trading system within the target reconciliation cycle from the second database corresponding to the target trading system; perform reconciliation processing for the target reconciliation cycle based on the first transaction data and the second transaction data, and obtain the reconciliation result of the target reconciliation cycle. Since the reconciliation cycle of the clearing system and the reconciliation cycle of the target transaction system can be determined, by determining the target reconciliation cycle applicable to the clearing system and the target transaction system based on the two reconciliation cycles, the first transaction data of the clearing system in the cycle can be obtained from the first database corresponding to the clearing system based on the target reconciliation cycle, and the second transaction data of the target transaction system in the cycle can be obtained from the second database corresponding to the target transaction system at the same time, so that by performing reconciliation processing for the target reconciliation cycle based on the first transaction data and the second transaction data, the reconciliation results of the clearing system and the target transaction system in the same reconciliation cycle, i.e., the target reconciliation cycle, can be obtained. In this way, the account movement status obtained by the customer through the clearing system and the transaction system is consistent, the synergy between the bank system and the transaction systems of each partner is improved, and the customer experience is improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0020] Figure 1 An application scenario diagram of a reconciliation method provided in one embodiment of the present application;

[0021] Figure 2 A flowchart of a reconciliation method provided in one embodiment of the present application;

[0022] Figure 3 A complete flow chart of the reconciliation method provided in one embodiment of the present application;

[0023] Figure 4 A schematic diagram of the structure of a reconciliation device provided in one embodiment of the present application;

[0024] Figure 5 A schematic diagram of the structure of an electronic device provided in one embodiment of the present application.

[0025] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0026] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0027] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with the relevant laws, regulations and standards of the relevant countries and regions, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0028] In addition, this application involves big data analysis of user information (including but not limited to personal biometrics, identity data, consumption data, asset data, electronic terminal operation data, etc.), and the use of artificial intelligence technology for automated decision-making, and a technical solution for making decisions that have a significant impact on personal rights and interests based on the results of automated decision-making. The application provides users with corresponding operation entrances for them to choose to agree or reject the results of automated decision-making; if the user chooses to reject, the expert decision-making process will be entered.

[0029] It should be noted that the reconciliation method, device, equipment, storage medium and program product provided in the present application can be used in the field of financial technology or other related fields, and can also be used in any field other than the field of financial technology or other related fields. The application field of the reconciliation method, device, equipment, storage medium and program product in the present application is not limited.

[0030] At present, when the bank system reconciles accounts with the transaction systems of various partners to provide account services to customers, the bank system and the transaction systems of various partners generally obtain and verify the account data of the customer in the corresponding account reconciliation cycle according to their corresponding account reconciliation cycles, and provide account services to customers based on the verification results. However, the reconciliation cycles of the bank system and the transaction systems of various partners are often inconsistent. For example, the reconciliation cycle of the bank system is from 1:00 a.m. to 11:00 p.m. on the same day, while the reconciliation cycle of a certain partner transaction system is from 5:00 a.m. to 2:00 a.m. the next day. If the customer has an account change at midnight on the same day, the account data verified by the customer through the bank system and the transaction systems of various partners will be inconsistent, thereby reducing the synergy between the bank system and the transaction systems of various partners and affecting the customer experience.

[0031] Therefore, in the face of the problems in the prior art, in order to improve the synergy between the bank system and the transaction systems of each partner and improve the customer experience, the bank system and the transaction systems of each partner do not obtain and check the dynamic account data of the customer in the corresponding reconciliation cycle according to their own corresponding reconciliation cycle, but determine a reconciliation cycle applicable to both parties based on the reconciliation cycle of the bank system and the transaction systems of each partner, and obtain and check the dynamic account data of the customer based on the reconciliation cycle, so that the dynamic account data checked by the two are consistent. Then, when the bank system has a reconciliation demand, it determines its own reconciliation cycle and the reconciliation cycle of the transaction system of the partner associated with it, and determines a reconciliation cycle suitable for both parties based on the two reconciliation cycles, so that under the reconciliation cycle, the corresponding dynamic account data is obtained through the corresponding database, and the corresponding dynamic account data fed back by the transaction system of the partner is obtained, and then the reconciliation is performed based on the above two corresponding dynamic account data to obtain the reconciliation result, thereby ensuring that the dynamic account situation known to the customer is consistent, improving the synergy between the bank system and the transaction systems of each partner, and improving the customer experience.

[0032] Figure 1 This is an application scenario diagram of a reconciliation method provided in one embodiment of the present application, such as Figure 1As shown, the system corresponding to the reconciliation method provided in the embodiment of the present application includes: an electronic device 1, a first database 2, a target transaction system 3 and a second database 4, wherein the electronic device 1 is a device for executing the reconciliation method, and the clearing system mentioned in the present application can be specifically located on the electronic device 1, or can be located on other electronic devices that have a communication connection with the electronic device 1. The present application does not limit this, but in order to clearly illustrate the execution process of the reconciliation method, this application scenario will be described as an example in which the clearing system is located on the electronic device 1. Among them, the first database 2 is a database corresponding to the clearing system, such as a data lake, the target transaction system 3 is a transaction system associated with the clearing system, and the second database 4 is a database corresponding to the target transaction system 3. Among them, the electronic device 1 is communicated with the first database 2 and the target transaction system 3 respectively, and the target transaction system 3 is communicated with the second database 4. First, the electronic device 2 responds to the reconciliation needs of the clearing personnel, determines the target reconciliation cycle between the clearing system and the target transaction system based on the reconciliation cycle of the clearing system and the reconciliation cycle of the target transaction system, and based on the target reconciliation cycle, obtains the first transaction data of the clearing system within the target reconciliation cycle from the first database corresponding to the clearing system, and obtains the second transaction data of the target transaction system within the target reconciliation cycle from the second database corresponding to the target transaction system, and then performs reconciliation processing for the target reconciliation cycle based on the first transaction data and the second transaction data, thereby obtaining the reconciliation result of the target reconciliation cycle.

[0033] The reconciliation method, device, equipment, storage medium and program product provided in this application are intended to solve the above technical problems in the prior art.

[0034] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0035] Figure 2 A flowchart of a reconciliation method provided in an embodiment of the present application, such as Figure 2 As shown, the execution subject of this embodiment is a reconciliation device. The reconciliation device can be located in an electronic device, and the reconciliation method provided in this embodiment includes the following steps:

[0036] S201, determining a target reconciliation cycle between the clearing system and the target trading system based on the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system.

[0037] The clearing system is a system responsible for clearing account expenditures and income. The target trading system is a trading system associated with the clearing system based on a cooperation agreement, through which customers can conduct various transactions.

[0038] Exemplarily, the above-mentioned clearing system may specifically be a clearing system of a certain bank, and the above-mentioned target transaction system may specifically be an online transaction platform having a cooperative relationship with the bank.

[0039] It should be understood that the above examples are only for illustrative purposes and should not constitute any limitation to the present application.

[0040] Among them, the reconciliation cycle is the cycle for reconciling the customer's expenditures and income on this platform.

[0041] Among them, the target reconciliation cycle is the reconciliation cycle applicable to both the clearing system and the target trading system.

[0042] In this embodiment, the administrator of the clearing system can obtain all the target trading systems associated with the clearing system in advance, and based on the above-mentioned association, obtain the reconciliation cycle of each target trading system to form a configuration table. Then, when there is a reconciliation requirement, the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system are obtained, and it is determined whether the two reconciliation cycles are consistent. If so, it means that the reconciliation cycles of the clearing system and the target trading system are the same. In this case, if the reconciliation is performed and the reconciliation results are consistent, then the reconciliation cycle is directly determined as the target reconciliation cycle. If not, it means that the reconciliation cycles of the clearing system and the target trading system are different. In this case, if the reconciliation is performed and the reconciliation results are inconsistent, then based on the two reconciliation cycles, a cycle that is applicable to both the clearing system and the target trading system is determined, and the cycle is determined as the target reconciliation cycle.

[0043] S202, based on the target reconciliation cycle, obtaining first transaction data of the clearing system within the target reconciliation cycle from a first database corresponding to the clearing system, and obtaining second transaction data of the target transaction system within the target reconciliation cycle from a second database corresponding to the target transaction system.

[0044] The first database is a database corresponding to the clearing system, which is specifically used to store transaction data related to customers corresponding to various target transaction systems with cooperative relationships, such as a data warehouse or a data lake. This embodiment does not limit the specific form of the first database. The second database is a database corresponding to the target transaction system, which can be specifically used to store transaction data generated by customers when they trade on this platform.

[0045] Optionally, the first database may also store transaction data generated when customers conduct transactions on this platform.

[0046] The first transaction data refers to the transaction data of the transaction records of the target trading system in the target reconciliation cycle. The second transaction data refers to the transaction data generated by the target trading system when the customer conducts transactions on the platform in the target reconciliation cycle. The transaction data can be specific data related to fund transfer, transaction or account processing.

[0047] Exemplarily, the transaction data may specifically include the transaction amount, transaction date and time, transaction type, etc. Then, for the first transaction data, it may also include data such as the partner transaction system code, and this embodiment does not limit the specific content indicated by the transaction data.

[0048] In this embodiment, after the target reconciliation cycle is determined, the first transaction data of the clearing system within the target reconciliation cycle is obtained through a communication connection with the first database, and the second transaction data of the target transaction system within the target reconciliation cycle is obtained in the second database corresponding to the target transaction system through port communication with the target transaction system.

[0049] S203: Perform reconciliation processing for a target reconciliation cycle based on the first transaction data and the second transaction data, and obtain a reconciliation result for the target reconciliation cycle.

[0050] Among them, reconciliation processing is a processing method for checking two different transaction data.

[0051] Among them, the reconciliation result is the result of the reconciliation process.

[0052] In this embodiment, after obtaining the first transaction data and the second transaction data, the contents involved in the two data, such as customer information, debit details, transaction products, etc., are checked to determine whether the contents of the two transaction data are the same, and if they are different, the different specific reasons are determined, so that the above judgment results and determination results are used as the final reconciliation results.

[0053] The reconciliation method provided in this embodiment can determine the reconciliation cycle of the clearing system and the reconciliation cycle of the target transaction system. Therefore, by determining the target reconciliation cycle applicable to the clearing system and the target transaction system based on the two reconciliation cycles, the first transaction data of the clearing system in the cycle can be obtained from the first database corresponding to the clearing system based on the target reconciliation cycle, and the second transaction data of the target transaction system in the cycle can be obtained from the second database corresponding to the target transaction system at the same time. Therefore, by performing reconciliation processing for the target reconciliation cycle based on the first transaction data and the second transaction data, the reconciliation results of the clearing system and the target transaction system in the same reconciliation cycle, i.e., the target reconciliation cycle, can be obtained. In this way, the account movement status obtained by the customer through the clearing system and the transaction system is consistent, the synergy between the bank system and the transaction systems of each partner is improved, and the customer experience is improved.

[0054] As an optional embodiment, this embodiment further refines the target reconciliation cycle between the clearing system and the target trading system based on the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system on the basis of the above embodiment. Then, when determining the target reconciliation cycle between the clearing system and the target trading system based on the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system, this embodiment specifically includes the following steps:

[0055] If the reconciliation cycle of the clearing system is inconsistent with the reconciliation cycle of the target trading system, the reconciliation cycle of the target trading system shall be used as the target reconciliation cycle.

[0056] In this embodiment, in response to the reconciliation cycle based on the clearing system and the reconciliation cycle of the target trading system, the target reconciliation cycle of the clearing system and the target trading system is determined, and it is determined whether the two reconciliation cycles are consistent. If not, that is, the reconciliation cycle of the clearing system is inconsistent with the reconciliation cycle of the target trading system, it is necessary to determine a target reconciliation cycle that is applicable to both the clearing system and the target trading system.

[0057] It is understandable that the number of target trading systems associated with the clearing system may be more than one. Therefore, for multiple target trading systems, when the reconciliation cycles of the two are inconsistent, the clearing system can actively adapt to each target trading system, that is, directly use the reconciliation cycle of the target trading system as the target reconciliation cycle.

[0058] Optionally, a new reconciliation cycle is negotiated with the target transaction system, and the new reconciliation cycle is used as the target reconciliation cycle.

[0059] Specifically, the managers of the clearing system may negotiate in advance with the managers of the target trading system, and when the reconciliation cycles of the two are inconsistent, a new reconciliation cycle may be determined. Then, when the reconciliation cycle of the clearing system is inconsistent with the reconciliation cycle of the target trading system, the pre-negotiated new reconciliation cycle is obtained and used as the target reconciliation cycle.

[0060] Optionally, based on the reconciliation requirements of the clearing system and the reconciliation requirements of the target trading system, a target reconciliation cycle is determined from the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system.

[0061] It is understandable that there may be some circumstances that require the clearing system or the target trading system to reconcile according to the corresponding reconciliation cycle. Therefore, based on the reconciliation requirements of the clearing system and the target trading system, the managers of the clearing system and the target trading system may select one of the reconciliation cycles of the clearing system and the target trading system as the target reconciliation cycle. Then, when the reconciliation cycle of the clearing system is inconsistent with the reconciliation cycle of the target trading system, the selected target reconciliation cycle is obtained.

[0062] In the reconciliation method provided in this embodiment, since the reconciliation cycle of the clearing system may be inconsistent with the reconciliation cycle of the target trading system, when the two are determined to be different, by taking the reconciliation cycle of the target trading system as the target reconciliation cycle, the clearing system can be adapted to the reconciliation cycles of multiple target trading systems, thereby improving the efficiency and flexibility of determining the target reconciliation cycle. Alternatively, by negotiating a new reconciliation cycle with the target trading system, the new reconciliation cycle can be taken as the target reconciliation cycle, further improving the flexibility of determining the target reconciliation cycle; or, based on the reconciliation requirements of the clearing system and the reconciliation requirements of the target trading system, the target reconciliation cycle is determined from the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system, further improving the flexibility of determining the target reconciliation cycle.

[0063] As an optional embodiment, based on the above embodiment, if the target reconciliation cycle is the reconciliation cycle of the clearing system, the method further includes the following steps:

[0064] A reconciliation cycle update request is sent to the target transaction system, where the reconciliation cycle update request is used to request the target transaction system to adjust its reconciliation cycle to the target reconciliation cycle.

[0065] The reconciliation cycle update request is a request for instructing the target transaction system to update its reconciliation cycle, and is specifically used to request the target transaction system to adjust its reconciliation cycle to the target reconciliation cycle.

[0066] In this embodiment, based on the reconciliation requirements of the clearing system and the target trading system, the result of the target reconciliation cycle is determined from the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system. If it is determined that the reconciliation cycle of the clearing system is used as the target reconciliation cycle, the target trading system needs to be informed that it needs to adjust the corresponding reconciliation cycle.

[0067] Based on this, a reconciliation cycle update request is sent to the target transaction system. After receiving the request, the target transaction system adjusts the corresponding reconciliation cycle according to the cycle range indicated by the request.

[0068] In the reconciliation method provided in this embodiment, since the reconciliation cycle of the clearing system is used as the target reconciliation cycle, the target trading system needs to be informed to adjust its corresponding reconciliation cycle, so by sending a reconciliation cycle update request to the target trading system, the target trading system can be instructed to adjust its reconciliation cycle to the target reconciliation cycle. This ensures that the target trading system can successfully obtain the message of adjusting the reconciliation cycle, thereby improving the success rate of subsequent reconciliation.

[0069] As an optional embodiment, this embodiment further refines the step of obtaining the first transaction data of the clearing system in the target reconciliation cycle from the first database corresponding to the clearing system on the basis of any of the above embodiments. When obtaining the first transaction data of the clearing system in the target reconciliation cycle from the first database corresponding to the clearing system, this embodiment specifically includes the following steps:

[0070] Step a1: receiving and parsing the financial instruction sent by the first database to obtain initial transaction data; the initial transaction data includes all transaction data recorded by the clearing system.

[0071] The financial instruction is an instruction to instruct the clearing system to obtain transaction data, which may specifically include initial transaction data. The initial transaction data is all transaction data stored by the clearing system in a default state, specifically including all transaction data recorded by the clearing system.

[0072] In this embodiment, the administrator of the clearing system can trigger an acquisition instruction based on the need to obtain the first transaction data in the corresponding operation interface. The first database is then triggered in response to the above instruction, obtains the stored initial transaction data, and generates a financial instruction based on the initial transaction data and sends it to the electronic device.

[0073] Based on this, the financial instruction sent by the first database is received, and the financial instruction is parsed to obtain initial transaction data.

[0074] Step a2: Obtain first transaction data from the initial transaction data according to the target reconciliation cycle.

[0075] It is understandable that the initial transaction data includes the transaction data of all target transaction systems, and therefore, it is necessary to obtain the first transaction data from the initial transaction data according to the target reconciliation cycle.

[0076] Specifically, based on the partner transaction system code recorded in each transaction detail in the initial transaction data, the transaction data belonging to the target transaction system is obtained, and among these transaction data, the transaction data within the target reconciliation cycle is obtained based on the recorded transaction time, and the above transaction data is determined as the first transaction data and obtained.

[0077] For example, in some cases, the target reconciliation cycle may be cycled in days, and therefore, the acquisition of transaction data within the target reconciliation cycle may specifically be acquisition of transaction data within the target reconciliation cycle of the latest day.

[0078] It should be understood that the above examples are only for illustrative purposes and should not constitute any limitation to the present application.

[0079] The reconciliation method provided in this embodiment stores initial transaction data including all transaction data recorded by the clearing system in the first database. Therefore, the initial transaction data can be obtained by receiving and parsing the financial instructions sent by the first database, and the first transaction data can be obtained from the initial transaction data according to the target reconciliation cycle, thereby smoothly obtaining the first transaction data and improving the accuracy of the obtained first transaction data.

[0080] As an optional embodiment, based on any of the above embodiments, this embodiment further refines the step of obtaining the second transaction data of the target transaction system within the target reconciliation period from the second database corresponding to the target transaction system. When obtaining the second transaction data of the target transaction system within the target reconciliation period from the second database corresponding to the target transaction system, this embodiment specifically includes the following steps:

[0081] Step b1: receiving the encrypted transaction file sent by the target transaction system based on the second database.

[0082] The encrypted transaction file is a file containing transaction data that is encrypted using a preset encryption algorithm. The preset encryption algorithm may be a symmetric encryption algorithm, an asymmetric encryption algorithm, etc. This embodiment does not limit the specific encryption algorithm used.

[0083] In this embodiment, the target transaction system can obtain the transaction file within the target reconciliation cycle of the latest day in advance based on the target reconciliation cycle through a communication connection with the second database, and encrypt the transaction file using a preset encryption algorithm to obtain an encrypted transaction file, and send the encrypted transaction file to the clearing system through a port connection with the clearing system.

[0084] Based on this, the encrypted transaction file sent by the target transaction system based on the second database is received.

[0085] Step b2: Authenticate the target transaction system and decrypt the encrypted transaction file if the authentication result is passed.

[0086] Among them, identity verification is a method of verifying the identity of the target transaction system.

[0087] In this embodiment, the target transaction system that has a cooperative relationship with the clearing system can be included in the whitelist in advance. After receiving the encrypted transaction file, the identity of the file sender is identified to determine whether the sender of the file is in the above whitelist. If so, it means that the sender of the file is the target transaction system with a cooperative relationship, then it is determined that the verification is successful, and the encrypted transaction file sent by it is decrypted.

[0088] Optionally, if not, it means that the sender of the file is not the target transaction system with which the cooperation relationship is established, and the verification is determined to be unsuccessful, and a reception failure response is fed back to the sender of the file, thereby improving the security of the received data.

[0089] Step b3: Parse the decrypted encrypted transaction file according to the interface definition rule of the target transaction system to obtain the second transaction data.

[0090] Among them, the interface definition rules are the interface definition rules pre-agreed upon by the clearing system and the target trading system. The rules define the structure, format, data type and specifications of the data that should be followed during transmission.

[0091] In this embodiment, after the decrypted encrypted transaction file is obtained, the decrypted encrypted transaction file is parsed according to the interface definition rules agreed upon with the target transaction system to obtain the second transaction data.

[0092] In the reconciliation method provided in this embodiment, since the second transaction data is the transaction data recorded by the target transaction system, the target transaction system can be authenticated by receiving the encrypted transaction file sent by the target transaction system based on the second database, and the encrypted transaction file can be further decrypted when the verification result is passed, so as to parse the decrypted encrypted transaction file according to the interface definition rules of the target transaction system to obtain the second transaction data. In this way, the second transaction data can be successfully obtained, the accuracy of the obtained second transaction data can be improved, and the security of the acquisition process can be improved.

[0093] As an optional embodiment, in this embodiment, based on any of the above embodiments, the reconciliation result includes any one of the following results:

[0094] (1) The first transaction data is consistent with the second transaction data.

[0095] That is to say, within the same target reconciliation cycle, the transaction data recorded by the clearing system is the same as the transaction data recorded by the target trading system. In this case, the bill content fed back to the customer by the clearing system and the target trading system is consistent.

[0096] (2) The first transaction data contains data of failed transactions, but the second transaction data does not contain data of failed transactions.

[0097] That is to say, within the same target reconciliation cycle, the transaction data recorded by the clearing system is different from the transaction data recorded by the target trading system, and the reason for the difference is that there is data of failed transactions in the transaction data recorded by the clearing system, but there is no data of failed transactions in the transaction data recorded by the target trading system. In this case, the bill contents fed back to the customer by the clearing system and the target trading system are inconsistent, and this situation needs to be adjusted.

[0098] (3) There is no transaction failure data in the first transaction data and there is transaction failure data in the second transaction data.

[0099] That is to say, within the same target reconciliation cycle, the transaction data recorded by the clearing system is different from the transaction data recorded by the target trading system. The reason for the difference is that there is no data of failed transactions in the transaction data recorded by the clearing system, but there is data of failed transactions in the transaction data recorded by the target trading system. In this case, the bill contents fed back to the customer by the clearing system and the target trading system are inconsistent, and this situation also needs to be adjusted.

[0100] Based on this, after obtaining the reconciliation result of the target reconciliation cycle, the following steps are also included:

[0101] Step c1: If it is determined that the first transaction data is the basis, the reconciliation result will be sent to the target transaction system, so that the target transaction system will perform account replenishment processing according to the reconciliation result when there is no failed transaction data in the first transaction data and there is failed transaction data in the second transaction data, or perform reversal processing when there is failed transaction data in the first transaction data and there is no failed transaction data in the second transaction data.

[0102] Among them, supplementary account processing is a processing method for supplementing missed accounts. Reversal processing is a processing method for reversing or correcting accounts that have already occurred but may contain errors or anomalies.

[0103] In this embodiment, the administrators of the clearing system and the administrators of the target trading system may agree in advance which transaction data shall prevail when the transaction data of the two are different. If it is determined that the first transaction data shall prevail, after obtaining the reconciliation result of the target reconciliation cycle, the reconciliation result is directly sent to the target trading system.

[0104] Correspondingly, based on the above reconciliation results, when the target trading system determines that there is no failed transaction data in the transaction data recorded by the clearing system, but there is failed transaction data in its own transaction data, it will make up for the missing accounts; when it determines that there is failed transaction data in the transaction data recorded by the clearing system, but there is no failed transaction data in its own transaction data, it will offset the extra accounts.

[0105] Step c2: If it is determined that the second transaction data shall prevail, then according to the reconciliation result, when there is transaction failure data in the first transaction data and there is no transaction failure data in the second transaction data, a supplementary account processing is performed; when there is no transaction failure data in the first transaction data and there is transaction failure data in the second transaction data, a reversal processing is performed.

[0106] Similarly, if it is determined that the second transaction data is to be used as the basis, after obtaining the reconciliation result of the target reconciliation cycle, the first transaction data is adjusted according to the reconciliation result, and the reconciliation result is sent to the target transaction system after adjustment, so that the target transaction system is informed of the completed reconciliation and adjustment results.

[0107] Correspondingly, based on the above reconciliation results, when it is determined that there is failed transaction data in the transaction data recorded by the clearing system, but there is no failed transaction data in the transaction data recorded by the target trading system, the missing accounts are supplemented; when it is determined that there is no failed transaction data in the transaction data recorded by the clearing system, but there is failed transaction data in the transaction data recorded by the target trading system, the extra accounts are reversed.

[0108] The reconciliation method provided in this embodiment has three reconciliation results, namely, the first transaction data is consistent with the second transaction data, there is transaction failure data in the first transaction data and there is no transaction failure data in the second transaction data, and there is no transaction failure data in the first transaction data and there is transaction failure data in the second transaction data. Therefore, when it is determined that the first transaction data is to be compliant, by sending the reconciliation result to the target transaction system, the target transaction system can make up the account when there is no transaction failure data in the first transaction data and there is transaction failure data in the second transaction data, and make a reversal when there is transaction failure data in the first transaction data and there is no transaction failure data in the second transaction data, thereby making the transaction data of the target transaction system consistent with the clearing system. When it is determined that the second transaction data is to be compliant, by making up the account when there is transaction failure data in the first transaction data and there is no transaction failure data in the second transaction data, and making a reversal when there is transaction failure data in the first transaction data and there is no transaction failure data in the second transaction data, thereby making the transaction data of the clearing system consistent with the target transaction system. In both cases, it can be ensured that the bills ultimately fed back to customers are the same, further improving the synergy between the banking system and the transaction systems of various partners and further improving customer experience.

[0109] Figure 3 This is a complete flow chart of the reconciliation method provided in one embodiment of the present application. Figure 3As shown, this embodiment shows the complete process of the reconciliation method.

[0110] S301, determining the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system.

[0111] S302, determine whether the reconciliation cycle of the clearing system is consistent with the reconciliation cycle of the target trading system. If so, execute S303 and continue to execute S306. If not, execute S304-S305 and continue to execute S306.

[0112] S303: Use the above reconciliation cycle as the target reconciliation cycle.

[0113] S304, taking the reconciliation cycle of the target trading system as the target reconciliation cycle; or, negotiating a new reconciliation cycle with the target trading system and taking the new reconciliation cycle as the target reconciliation cycle; or, based on the reconciliation requirements of the clearing system and the reconciliation requirements of the target trading system, determining the target reconciliation cycle from the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system.

[0114] S305, when the target reconciliation cycle is the reconciliation cycle of the clearing system, sending a reconciliation cycle update request to the target trading system, the reconciliation cycle update request is used to request the target trading system to adjust its reconciliation cycle to the target reconciliation cycle.

[0115] S306, based on the target reconciliation cycle, receiving and parsing the financial instruction sent by the first database to obtain initial transaction data; the initial transaction data includes all transaction data recorded by the clearing system.

[0116] S307: Obtain first transaction data from the initial transaction data according to the target reconciliation cycle.

[0117] S308, receiving the encrypted transaction file sent by the target transaction system based on the second database.

[0118] S309, authenticate the identity of the target transaction system, and decrypt the encrypted transaction file when the authentication result is passed.

[0119] S310, parsing the decrypted encrypted transaction file according to the interface definition rule of the target transaction system to obtain second transaction data.

[0120] S311, performing reconciliation processing of a target reconciliation cycle based on the first transaction data and the second transaction data, and obtaining a reconciliation result of the target reconciliation cycle.

[0121] The reconciliation result includes any one of the following results: the first transaction data is consistent with the second transaction data; there is data of failed transactions in the first transaction data and there is no data of failed transactions in the second transaction data; there is no data of failed transactions in the first transaction data and there is data of failed transactions in the second transaction data.

[0122] S312, determine whether the reconciliation result is based on the first transaction data, if so, execute S313, if not, execute S314.

[0123] S313, sending the reconciliation result to the target transaction system, so that the target transaction system performs a supplementary process when there is no failed transaction data in the first transaction data and there is failed transaction data in the second transaction data according to the reconciliation result, and performs a reversal process when there is failed transaction data in the first transaction data and there is no failed transaction data in the second transaction data.

[0124] S314, based on the reconciliation result, when there is data of failed transaction in the first transaction data and there is no data of failed transaction in the second transaction data, perform account supplementation processing; when there is no data of failed transaction in the first transaction data and there is data of failed transaction in the second transaction data, perform reversal processing.

[0125] Figure 4 A schematic diagram of the structure of a reconciliation device provided in an embodiment of the present application is shown in FIG. Figure 4 As shown, the account reconciliation device provided in this embodiment is located in an electronic device, and the account reconciliation device 40 provided in this embodiment includes: a determination module 41 , an acquisition module 42 , and a processing module 43 .

[0126] Among them, the determination module is used to determine the target reconciliation cycle between the clearing system and the target trading system based on the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system; the acquisition module is used to acquire the first transaction data of the clearing system within the target reconciliation cycle from the first database corresponding to the clearing system based on the target reconciliation cycle, and to acquire the second transaction data of the target trading system within the target reconciliation cycle from the second database corresponding to the target trading system; the processing module is used to perform reconciliation processing of the target reconciliation cycle based on the first transaction data and the second transaction data; the acquisition module is also used to obtain the reconciliation result of the target reconciliation cycle.

[0127] The account reconciliation device provided in this embodiment can execute Figure 2 The specific implementation principles and technical effects of the method embodiments shown are similar and will not be repeated here.

[0128] Optionally, the determination module 41, when determining a target reconciliation cycle between the clearing system and the target trading system based on the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system, is specifically configured to:

[0129] If the reconciliation cycle of the clearing system is inconsistent with the reconciliation cycle of the target trading system, the reconciliation cycle of the target trading system shall be used as the target reconciliation cycle; or, a new reconciliation cycle shall be negotiated with the target trading system and the new reconciliation cycle shall be used as the target reconciliation cycle; or, based on the reconciliation requirements of the clearing system and the reconciliation requirements of the target trading system, the target reconciliation cycle shall be determined from the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system.

[0130] Optionally, the reconciliation device provided in this embodiment further includes: a sending module.

[0131] The sending module is used to send a reconciliation cycle update request to the target trading system if the target reconciliation cycle is the reconciliation cycle of the clearing system. The reconciliation cycle update request is used to request the target trading system to adjust its reconciliation cycle to the target reconciliation cycle.

[0132] Optionally, when the acquisition module 42 acquires the first transaction data of the clearing system in the target reconciliation period from the first database corresponding to the clearing system, it is specifically configured to:

[0133] The financial instruction sent by the first database is received and parsed to obtain initial transaction data; the initial transaction data includes all transaction data recorded by the clearing system; and the first transaction data is obtained from the initial transaction data according to the target reconciliation cycle.

[0134] Optionally, when the acquisition module 42 acquires the second transaction data of the target transaction system in the target reconciliation period from the second database corresponding to the target transaction system, it is specifically configured to:

[0135] Receive the encrypted transaction file sent by the target transaction system based on the second database; authenticate the identity of the target transaction system, and decrypt the encrypted transaction file when the authentication result is passed; parse the decrypted encrypted transaction file according to the interface definition rule of the target transaction system to obtain the second transaction data.

[0136] Optionally, the reconciliation result includes any one of the following results: the first transaction data is consistent with the second transaction data; there is transaction failure data in the first transaction data and there is no transaction failure data in the second transaction data; there is no transaction failure data in the first transaction data and there is transaction failure data in the second transaction data;

[0137] Correspondingly, the sending module is also used for, after the acquisition module 42 acquires the reconciliation result of the target reconciliation cycle, if it is determined that the first transaction data is to be used as the basis, sending the reconciliation result to the target transaction system, so that the target transaction system, based on the reconciliation result, performs account supplementation processing when there is no failed transaction data in the first transaction data and there is failed transaction data in the second transaction data, or performs reversal processing when there is failed transaction data in the first transaction data and there is no failed transaction data in the second transaction data; the processing module 43 is also used for, if it is determined that the second transaction data is to be used as the basis, then, based on the reconciliation result, performs account supplementation processing when there is failed transaction data in the first transaction data and there is no failed transaction data in the second transaction data, or performs reversal processing when there is no failed transaction data in the first transaction data and there is failed transaction data in the second transaction data.

[0138] The reconciliation device provided in this embodiment can execute any one of the method embodiments shown above. The specific implementation principles and technical effects are similar and will not be repeated here.

[0139] Figure 5 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application is shown in FIG. Figure 5 As shown, the electronic device 50 provided in this embodiment includes: a processor 51 and a memory 52 communicatively connected to the processor.

[0140] The memory 52 stores computer-executable instructions; the processor 51 executes the computer-executable instructions stored in the memory to implement the reconciliation method provided in any of the above embodiments. The relevant descriptions can be understood by referring to the relevant descriptions and effects corresponding to the steps in the accompanying drawings, and no further details are given here.

[0141] The program may include program codes, and the program codes include computer-executable instructions. The memory 52 may include a high-speed RAM memory, and may also include a non-volatile memory, such as at least one disk memory.

[0142] In this embodiment, the memory 52 and the processor 51 are connected via a bus. The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 5Only one thick line is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0143] The embodiment of the present application also provides a computer-readable storage medium, in which computer-executable instructions are stored, and when the computer-executable instructions are executed by a processor, they are used to implement the reconciliation method provided in any of the above embodiments. For example, the computer-readable storage medium can be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, and an optical data storage device.

[0144] An embodiment of the present application also provides a computer program product, including a computer program, which implements the reconciliation method provided in any one of the above embodiments when the computer program is executed by a processor.

[0145] It should be noted that, for the aforementioned method embodiments, for the sake of simplicity, they are all expressed as a series of action combinations, but those skilled in the art should be aware that the present application is not limited by the described order of actions, because according to the present application, certain steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in the specification are all optional embodiments, and the actions and modules involved are not necessarily required by the present application.

[0146] It should be further noted that, although the various steps in the flow chart are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps is not strictly limited in order, and these steps can be executed in other orders. Moreover, at least a portion of the steps in the flow chart may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these sub-steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a portion of the sub-steps or stages of other steps.

[0147] It should be understood that the above-mentioned device embodiments are only illustrative, and the device of the present application can also be implemented in other ways. For example, the division of units / modules in the above-mentioned embodiments is only a logical function division, and there may be other division methods in actual implementation. For example, multiple units, modules or components can be combined, or can be integrated into another system, or some features can be ignored or not executed.

[0148] In addition, unless otherwise specified, each functional unit / module in each embodiment of the present application may be integrated into one unit / module, each unit / module may exist physically separately, or two or more units / modules may be integrated together. The above-mentioned integrated unit / module may be implemented in the form of hardware or in the form of a software program module.

[0149] If the integrated unit / module is implemented in the form of hardware, the hardware may be a digital circuit, an analog circuit, etc. The physical implementation of the hardware structure includes but is not limited to transistors, memristors, etc. If not specifically stated, the processor may be any appropriate hardware processor, such as a CPU, a GPU, an FPGA, a DSP, an ASIC, etc. If not specifically stated, the storage unit may be any appropriate magnetic storage medium or magneto-optical storage medium, such as a resistive random access memory RRAM (Resistive Random Access Memory), a dynamic random access memory DRAM (Dynamic Random Access Memory), a static random access memory SRAM (Static Random-Access Memory), an enhanced dynamic random access memory EDRAM (Enhanced Dynamic Random Access Memory), a high-bandwidth memory HBM (High-Bandwidth Memory), a hybrid memory cube HMC (Hybrid Memory Cube), etc.

[0150] If the integrated unit / module is implemented in the form of a software program module and sold or used as an independent product, it can be stored in a computer-readable memory. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art or all or part of the technical solution, can be embodied in the form of a software product, which is stored in a memory and includes several instructions for a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the various embodiments of the present application. The aforementioned memory includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, disk or optical disk and other media that can store program codes.

[0151] In the above embodiments, the description of each embodiment has its own emphasis. For the part not described in detail in a certain embodiment, please refer to the relevant description of other embodiments. The technical features of the above embodiments can be combined arbitrarily. In order to make the description concise, all possible combinations of the technical features in the above embodiments are not described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0152] Those skilled in the art will readily appreciate other embodiments of the present application after considering the specification and practicing the invention disclosed herein. The present application is intended to cover any modification, use or adaptation of the present application, which follows the general principles of the present application and includes common knowledge or customary techniques in the art that are not disclosed in the present application. The specification and examples are intended to be exemplary only, and the true scope and spirit of the present application are indicated by the following claims.

[0153] It should be understood that the present application is not limited to the precise structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present application is limited only by the appended claims.

Claims

1. A reconciliation method, characterized in that: The method comprises: Determining a target reconciliation cycle between the clearing system and the target trading system based on the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system; Based on the target reconciliation cycle, first transaction data of the clearing system in the target reconciliation cycle is obtained from a first database corresponding to the clearing system, and second transaction data of the target trading system in the target reconciliation cycle is obtained from a second database corresponding to the target trading system; Reconciliation processing of the target reconciliation cycle is performed based on the first transaction data and the second transaction data, and a reconciliation result of the target reconciliation cycle is obtained.

2. The method according to claim 1, characterized in that The determining of a target reconciliation cycle between the clearing system and the target trading system based on the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system includes: If the reconciliation cycle of the clearing system is inconsistent with the reconciliation cycle of the target trading system, the reconciliation cycle of the target trading system is used as the target reconciliation cycle; Alternatively, a new reconciliation cycle is negotiated with the target transaction system, and the new reconciliation cycle is used as the target reconciliation cycle; Alternatively, based on the reconciliation requirements of the clearing system and the reconciliation requirements of the target trading system, the target reconciliation period is determined from the reconciliation period of the clearing system and the reconciliation period of the target trading system.

3. The method according to claim 2, characterized in that If the target reconciliation cycle is the reconciliation cycle of the clearing system; the method further includes: A reconciliation cycle update request is sent to the target transaction system, where the reconciliation cycle update request is used to request the target transaction system to adjust its reconciliation cycle to the target reconciliation cycle.

4. The method according to any one of claims 1 to 3, characterized in that: The acquiring, from a first database corresponding to the clearing system, first transaction data of the clearing system in the target reconciliation cycle includes: Receiving and parsing the financial instruction sent by the first database to obtain initial transaction data; the initial transaction data includes all transaction data recorded by the clearing system; According to a target reconciliation cycle, the first transaction data is obtained from the initial transaction data.

5. The method according to any one of claims 1 to 3, characterized in that: The acquiring, from a second database corresponding to the target transaction system, second transaction data of the target transaction system within the target reconciliation period includes: receiving an encrypted transaction file sent by the target transaction system based on the second database; Performing identity authentication on the target transaction system, and decrypting the encrypted transaction file when the authentication result is passed; The decrypted encrypted transaction file is parsed according to the interface definition rule of the target transaction system to obtain the second transaction data.

6. The method according to any one of claims 1 to 3, characterized in that: The reconciliation result includes any one of the following results: the first transaction data is consistent with the second transaction data; there is transaction failure data in the first transaction data and there is no transaction failure data in the second transaction data; There is no transaction failure data in the first transaction data and there is transaction failure data in the second transaction data; After obtaining the reconciliation result of the target reconciliation period, the method further includes: If it is determined that the first transaction data is to be used as the basis, the reconciliation result is sent to the target transaction system, so that the target transaction system performs account supplementation processing when there is no transaction failure data in the first transaction data and there is transaction failure data in the second transaction data, or performs reversal processing when there is transaction failure data in the first transaction data and there is no transaction failure data in the second transaction data according to the reconciliation result; If it is determined that the second transaction data is the basis, then based on the reconciliation result, if there is data of failed transactions in the first transaction data and there is no failed transaction data in the second transaction data, a supplementary account processing will be performed; if there is no failed transaction data in the first transaction data and there is failed transaction data in the second transaction data, a reversal processing will be performed.

7. A reconciliation device, characterized in that: include: A determination module, configured to determine a target reconciliation cycle between the clearing system and the target trading system based on the reconciliation cycle of the clearing system and the reconciliation cycle of the target trading system; an acquisition module, configured to acquire, based on the target reconciliation cycle, first transaction data of the clearing system in the target reconciliation cycle from a first database corresponding to the clearing system, and to acquire second transaction data of the target transaction system in the target reconciliation cycle from a second database corresponding to the target transaction system; a processing module, configured to perform reconciliation processing of the target reconciliation cycle based on the first transaction data and the second transaction data; The acquisition module is further used to acquire the reconciliation result of the target reconciliation cycle.

8. An electronic device, characterized in that: include: A processor, and a memory communicatively connected to the processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the method according to any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 6 when executed by a processor.

10. A computer program product, characterized in that The invention comprises a computer program, which implements the method according to any one of claims 1 to 6 when being executed by a processor.

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