Reconciliation method and device, computer readable storage medium and electronic equipment

Abstract

The invention discloses an account checking method and device, a computer readable storage medium and electronic equipment. The method comprises the following steps: acquiring a first file template of a first financial institution, and acquiring second file templates of N reconciliation objects associated with the first financial institution; according to the reconciliation element matching instruction, matching reconciliation elements in the first file template with reconciliation elements in the second file templates to obtain an element matching relationship associated with each second file template; generating target reconciliation codes corresponding to the reconciliation objects according to the element matching relationship and the reconciliation code template; and when the reconciliation file newly generated by the first financial institution is detected, reconciliation is carried out between the first financial institution and the reconciliation object based on the target reconciliation code and the reconciliation file of the first financial institution. Through the account checking method and device, the problem that the labor cost of account checking is high due to the fact that different account checking codes are developed by relying on developers for different account checking objects in the prior art is solved.

Description

Technical Field

[0001] The present application relates to the field of artificial intelligence, and more specifically, to a reconciliation method, device, computer-readable storage medium, and electronic device. Background Art

[0002] As the business needs of financial institutions increase and change, reconciliation scenarios become more complex and diverse, and the scale and structure of reconciliation data also show diversified characteristics. However, existing technologies have many shortcomings in dealing with these complex needs, which affects the business development of the financial industry.

[0003] Currently, reconciliation work is usually done manually or by developers developing dedicated reconciliation codes for each specific reconciliation requirement, which increases the workload and development costs of developers and affects reconciliation efficiency.

[0004] Currently, no effective solution has been proposed to address the problem that related technologies rely on developers to develop different reconciliation codes for different reconciliation objects, resulting in high labor costs for reconciliation. Summary of the invention

[0005] The main purpose of the present application is to provide a reconciliation method, device, computer-readable storage medium and electronic device to solve the problem in the related art that developers are relied upon to develop different reconciliation codes for different reconciliation objects, resulting in high labor costs for reconciliation.

[0006] According to one aspect of an embodiment of the present invention, a reconciliation method is provided, comprising: obtaining a reconciliation file template of a first financial institution to obtain a first file template, and obtaining reconciliation file templates of N reconciliation objects associated with the first financial institution to obtain N second file templates; receiving a reconciliation element matching instruction from a user, and matching the reconciliation elements in the first file template with the reconciliation elements in the second file template according to the reconciliation element matching instruction to obtain an element matching relationship associated with each second file template, wherein the matched reconciliation elements refer to the reconciliation elements that need to be compared during reconciliation; generating a target reconciliation code corresponding to each reconciliation object according to the element matching relationship associated with the second file template of each reconciliation object and a preset reconciliation code template; and when a newly generated reconciliation file of the first financial institution is detected, reconciliation is performed between the first financial institution and the reconciliation object based on the target reconciliation code and the reconciliation file of the first financial institution.

[0007] Furthermore, the reconciliation method also includes: obtaining a reconciliation file of the second financial institution, and performing reconciliation based on the reconciliation file of the first financial institution, a target reconciliation code corresponding to the second financial institution, and the reconciliation file of the second financial institution to obtain a first reconciliation result.

[0008] Furthermore, the reconciliation method also includes: determining a target reconciliation file based on the first reconciliation result and the reconciliation file of the first financial institution; and performing reconciliation based on the target reconciliation file, a target reconciliation code corresponding to the partner, and the reconciliation file of the partner.

[0009] Furthermore, the reconciliation method also includes: obtaining the reconciliation file of the partner, and performing reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the reconciliation file of the partner through the target processing system, or sending the target reconciliation file and the target reconciliation code corresponding to the partner to the partner, wherein, upon receiving the target reconciliation file, the partner performs reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the reconciliation file of the partner.

[0010] Furthermore, the reconciliation method also includes: when the first reconciliation result indicates that the reconciliation is passed, determining the reconciliation file of the first financial institution as the target reconciliation file; when the first reconciliation result indicates that the reconciliation is not passed, adjusting the reconciliation file of the first financial institution based on the reconciliation file of the second financial institution, and determining the adjusted reconciliation file of the first financial institution as the target reconciliation file.

[0011] Furthermore, the reconciliation method also includes: preprocessing the reconciliation file of the first financial institution to obtain a first reconciliation file, wherein the preprocessing includes at least one of the following: compliance check, data filtering, data splitting, data deduplication, and data cleaning; preprocessing the reconciliation file of the second financial institution to obtain a second reconciliation file; reconciling based on the first reconciliation file, the target reconciliation code corresponding to the second financial institution and the second reconciliation file to obtain a first reconciliation result.

[0012] Furthermore, the reconciliation method also includes: when the first reconciliation result indicates that the reconciliation has failed, counting the error rate of the reconciliation file of the first financial institution relative to the reconciliation file of the second financial institution; when the error rate is greater than a preset value, generating early warning information, wherein the early warning information indicates that there is an abnormality in the reconciliation file of the first financial institution and / or the reconciliation file of the second financial institution.

[0013] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a reconciliation device is provided. The device includes: an acquisition module, which is used to acquire the reconciliation file template of the first financial institution to obtain the first file template, and acquire the reconciliation file templates of N reconciliation objects associated with the first financial institution to obtain N second file templates; a matching module, which is used to receive the reconciliation element matching instruction of the user, and match the reconciliation elements in the first file template with the reconciliation elements in the second file template according to the reconciliation element matching instruction to obtain the element matching relationship associated with each second file template, wherein the matched reconciliation element refers to the reconciliation element that needs to be compared during reconciliation; a first processing module, which is used to generate a target reconciliation code corresponding to each reconciliation object according to the element matching relationship associated with the second file template of each reconciliation object and a preset reconciliation code template; a second processing module, which is used to perform reconciliation between the first financial institution and the reconciliation object based on the target reconciliation code and the reconciliation file of the first financial institution when a new reconciliation file generated by the first financial institution is detected.

[0014] Furthermore, the second processing module also includes: an acquisition submodule, which is used to obtain the reconciliation file of the second financial institution, and perform reconciliation based on the reconciliation file of the first financial institution, the target reconciliation code corresponding to the second financial institution and the reconciliation file of the second financial institution to obtain a first reconciliation result.

[0015] Furthermore, the reconciliation device also includes: a determination module, used to determine the target reconciliation file based on the first reconciliation result and the reconciliation file of the first financial institution; a reconciliation module, used to perform reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner and the reconciliation file of the partner.

[0016] Furthermore, the reconciliation module also includes: a first reconciliation sub-module, which is used to obtain the reconciliation file of the partner, and perform reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the reconciliation file of the partner through the target processing system, or a second reconciliation sub-module, which is used to send the target reconciliation file and the target reconciliation code corresponding to the partner to the partner, wherein, when the partner receives the target reconciliation file, it performs reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the reconciliation file of the partner.

[0017] Furthermore, the determination module also includes: a first determination sub-module, which is used to determine the reconciliation file of the first financial institution as the target reconciliation file when the first reconciliation result indicates that the reconciliation is passed; and a second determination sub-module, which is used to adjust the reconciliation file of the first financial institution based on the reconciliation file of the second financial institution when the first reconciliation result indicates that the reconciliation is not passed, and determine the adjusted reconciliation file of the first financial institution as the target reconciliation file.

[0018] Furthermore, the acquisition submodule also includes: a first processing unit, used to pre-process the reconciliation file of the first financial institution to obtain a first reconciliation file, wherein the preprocessing includes at least one of the following: compliance check, data filtering, data splitting, data deduplication, and data cleaning; a second processing unit, used to pre-process the reconciliation file of the second financial institution to obtain a second reconciliation file; a reconciliation sub-unit, used to reconcile based on the first reconciliation file, the target reconciliation code corresponding to the second financial institution and the second reconciliation file to obtain a first reconciliation result.

[0019] Furthermore, the reconciliation device also includes: a statistical module, which is used to count the error rate of the reconciliation file of the first financial institution relative to the reconciliation file of the second financial institution when the first reconciliation result indicates that the reconciliation has failed; an early warning module, which is used to generate early warning information when the error rate is greater than a preset value, wherein the early warning information indicates that there is an abnormality in the reconciliation file of the first financial institution and / or the reconciliation file of the second financial institution.

[0020] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a computer-readable storage medium is provided, and the computer-readable storage medium includes a stored executable program, wherein when the executable program is running, the device where the computer-readable storage medium is located is controlled to execute the above-mentioned reconciliation method.

[0021] In order to achieve the above-mentioned purpose, according to another aspect of the present application, an electronic device is provided, the electronic device comprising a memory storing an executable program; and a processor for running the program, wherein the above-mentioned reconciliation method is executed when the program is running.

[0022] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a computer program product is provided, comprising computer instructions, which implement the steps of the above-mentioned reconciliation method when executed by a processor.

[0023] In an embodiment of the present application, a target reconciliation code is generated based on a reconciliation element matching relationship and a preset reconciliation code template to perform reconciliation of financial institutions. The corresponding element matching relationship is determined based on the reconciliation file of the first financial institution and the reconciliation files of different reconciliation objects, thereby achieving accurate determination of matching reconciliation elements to ensure that the information in the reconciliation file can be correctly identified and compared during reconciliation. The corresponding target reconciliation code is automatically determined based on the element matching relationship and a preset reconciliation code template, and reconciliation is performed based on the target reconciliation code. This achieves rapid generation of the code required for reconciliation, reduces the labor cost of developing the reconciliation code, and thereby reduces the labor cost of reconciliation.

[0024] It can be seen that the solution provided in the present application achieves the purpose of generating a target reconciliation code based on the matching relationship of reconciliation elements and a preset reconciliation code template for reconciliation of financial institutions, thereby achieving the technical effect of reducing the labor cost of reconciliation, and further solving the problem in the related technology of relying on developers to develop different reconciliation codes for different reconciliation objects, resulting in high labor costs for reconciliation. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] The drawings constituting a part of the present application are used to provide a further understanding of the present application. The illustrative embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0026] Figure 1 is a hardware structure block diagram of a computer terminal provided according to an embodiment of the present application;

[0027] Figure 2 is a schematic diagram of a reconciliation method provided according to an embodiment of the present application;

[0028] Figure 3 is a schematic diagram of reconciliation element matching provided according to an embodiment of the present application;

[0029] Figure 4 is a schematic diagram of reconciliation file preprocessing provided according to an embodiment of the present application;

[0030] Figure 5 is a schematic diagram of a reconciliation device provided according to an embodiment of the present application;

[0031] Figure 6 It is a structural block diagram of an electronic device according to an embodiment of the present application. DETAILED DESCRIPTION

[0032] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0033] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0034] It should be noted that the collected information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this application are 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 relevant data are in compliance with relevant laws, regulations and standards, necessary confidentiality measures are taken, and public order and good customs are not violated, and corresponding operation entrances are provided for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or institutions to provide users with corresponding operation entrances for users to choose to agree or refuse the results of automated decision-making; if the user chooses to refuse, the expert decision-making process will be entered.

[0035] Example 1

[0036] According to an embodiment of the present application, an embodiment of a reconciliation method is also provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0037] The method embodiment provided in the first embodiment of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1 The hardware structure block diagram of a computer terminal (or mobile device) for implementing the reconciliation method is shown. Figure 1As shown, the computer terminal 10 (or mobile device) may include one or more (102a, 102b, ..., 102n are used to illustrate) processors 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera. It can be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations are shown.

[0038] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuits". The data processing circuits may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuit may be a single independent processing module, or may be incorporated in whole or in part into any of the other components in the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0039] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the reconciliation method in the embodiment of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, the above-mentioned reconciliation method is realized. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories may be connected to the computer terminal 10 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0040] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0041] The display may be, for example, a touch screen liquid crystal display (LCD) that enables a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0042] Under the above operating environment, this application provides Figure 2 The reconciliation method shown. Figure 2 It is a schematic diagram of a reconciliation method provided according to an embodiment of the present application.

[0043] Step S201, obtaining a reconciliation file template of a first financial institution to obtain a first file template, and obtaining reconciliation file templates of N reconciliation objects associated with the first financial institution to obtain N second file templates.

[0044] Optionally, electronic devices, application systems, servers and other devices may be used as the execution subject of the present application. In this embodiment, the target processing system is used as the execution subject to execute the above-mentioned reconciliation method.

[0045] Optionally, the first financial institution is the subject of the target processing system and can reconcile with other reconciliation objects, where other reconciliation objects include the second financial institution and the partner. The second financial institution is the superior institution of the first financial institution. In actual application, the partner initiates a transaction request and calls the service provided by the first financial institution. The service of the first financial institution then calls the interface provided by the second financial institution, and the second financial institution responds to the transaction request. In this process, the first financial institution, the second financial institution, and the partner respectively generate corresponding reconciliation files for subsequent reconciliation.

[0046] Optionally, each reconciliation entity has its own reconciliation file template. The reconciliation file template of the first financial institution is the first file template, and the reconciliation file templates of other reconciliation objects are the second file templates, wherein the second file template includes the reconciliation file template of the second financial institution and the reconciliation file template of the partner. Optionally, the reconciliation file template contains reconciliation elements, which are used to determine the uniqueness and status of the transaction. The reconciliation file template provides a basis for reconciliation element matching and target reconciliation code generation.

[0047] Step S202, receiving a reconciliation element matching instruction from the user, and matching the reconciliation elements in the first file template with the reconciliation elements in the second file template according to the reconciliation element matching instruction to obtain an element matching relationship associated with each second file template, wherein the matched reconciliation elements refer to the reconciliation elements that need to be compared during reconciliation.

[0048] Optionally, the reconciliation elements in the reconciliation file template may include: region code, branch number, transaction time, transaction type (positive transaction, negative transaction), transaction status (successful, failed, offset) and amount, etc. Each reconciliation element has<Key,Value> The key-value pair relationship is as follows: Key represents a reconciliation element, and Value represents the value corresponding to the reconciliation element. In the reconciliation file template, the value corresponding to the reconciliation element can be empty or the default value.

[0049] Optionally, the element matching instruction is initiated by a user and is used to specify a matching relationship between reconciliation elements in the first file template and the second file template, thereby obtaining an element matching relationship associated with each second file template.

[0050] Optionally, the element matching relationship represents the matching relationship between the reconciliation elements in the first file template and the second file template. The matched reconciliation elements refer to the reconciliation elements that need to be compared during reconciliation, that is, during reconciliation, it is checked whether the values ​​of the matching reconciliation elements are the same. If all are the same, the reconciliation passes; if not all are the same, the reconciliation fails.

[0051] In some embodiments, Figure 3 is a schematic diagram of reconciliation element matching provided in an embodiment of the present application, such as Figure 3 As shown, the target processing system analyzes the reconciliation elements in the first reconciliation file template of the first financial institution and the second reconciliation file template of the reconciliation object respectively, and then determines the matching reconciliation elements according to the user instructions, thereby determining the element matching relationship, wherein the reconciliation object may include the second financial institution or the partner.

[0052] Step S203: generating a target reconciliation code corresponding to each reconciliation object according to the element matching relationship associated with the second file template of each reconciliation object and the preset reconciliation code template.

[0053] Optionally, the preset reconciliation code template is a universal program code template. Since the first financial institution needs to read, parse the reconciliation file and perform the reconciliation operation in the same way when reconciling with different reconciliation objects, but the content of the reconciliation elements that need to be compared may be different, the target processing system can generate corresponding target reconciliation codes for different reconciliation objects based on the reconciliation code template and the element matching relationship. The reconciliation code template is equivalent to recording the code corresponding to the same reconciliation operation when reconciling different reconciliation objects.

[0054] Optionally, the element matching relationship associated with the second file template of the reconciliation object is input into a preset reconciliation code template, and the target processing system will replace the parameter content related to the element matching relationship in the preset reconciliation code template with the element matching relationship associated with the second file template of the reconciliation object. The other parts of the code do not need to be changed to obtain the target reconciliation code corresponding to the reconciliation object.

[0055] In some embodiments, for reconciliation object A, its element matching relationship comprises a reconciliation element composition list A, and the variable representing the reconciliation element composition list in the element matching relationship in the preset reconciliation code template is X, then the content of X should be replaced with the content of A, so as to obtain the target reconciliation code corresponding to the reconciliation object.

[0056] Optionally, after generating a target reconciliation code based on the element matching relationship associated with the second file template of each reconciliation object and a preset reconciliation code template, reconciliation can be performed between the first financial institution and the reconciliation object based on the specific target reconciliation code and the reconciliation file of the first financial institution.

[0057] In some embodiments, for reconciliation object A, the generated target reconciliation code includes code logic for reading and parsing the reconciliation file of reconciliation object A and the reconciliation file of the first financial institution, and comparing whether the contents of the matching reconciliation elements are the same. Therefore, whenever the first financial institution generates a new reconciliation file, the target reconciliation code can be automatically called for reconciliation.

[0058] Step S204: when a new reconciliation file generated by the first financial institution is detected, reconciliation is performed between the first financial institution and the reconciliation object based on the target reconciliation code and the reconciliation file of the first financial institution.

[0059] Optionally, the reconciliation file contains some data related to the transaction. Each transaction data has a unique serial number. The reconciliation elements of the transaction data may include area code, branch number, transaction time, transaction type (positive transaction, negative transaction), transaction status (success, failure, offset) and amount, etc. When reconciling, select the reconciliation elements in the element matching relationship in the reconciliation file for comparison.

[0060] Optionally, the target processing system will detect in real time whether the first financial institution has a newly generated reconciliation file. When it is detected that a new reconciliation file has been generated, the system selects the corresponding target reconciliation code according to the reconciliation object. The target reconciliation code will automatically read and parse the reconciliation file of the first financial institution and the reconciliation file of the reconciliation object, and then compare the contents of the two reconciliation files based on the element matching relationship, and give a comparison result to indicate whether the reconciliation is passed.

[0061] Optionally, if during the reconciliation process, the target processing system detects that the error rate has reached a preset warning threshold, the monitoring center will immediately issue a warning message to notify staff to check the reconciliation results, handle exceptions, and ensure data consistency and accuracy.

[0062] In an embodiment of the present application, a target reconciliation code is generated based on a reconciliation element matching relationship and a preset reconciliation code template to perform reconciliation of financial institutions. The corresponding element matching relationship is determined based on the reconciliation file of the first financial institution and the reconciliation files of different reconciliation objects, thereby achieving accurate determination of matching reconciliation elements to ensure that the information in the reconciliation file can be correctly identified and compared during reconciliation. The corresponding target reconciliation code is automatically determined based on the element matching relationship and a preset reconciliation code template, and reconciliation is performed based on the target reconciliation code. This achieves rapid generation of the code required for reconciliation, reduces the labor cost of developing the reconciliation code, and thereby reduces the labor cost of reconciliation.

[0063] It can be seen that the solution provided in the present application achieves the purpose of generating a target reconciliation code based on the matching relationship of reconciliation elements and a preset reconciliation code template for reconciliation of financial institutions, thereby achieving the technical effect of reducing the labor cost of reconciliation, and further solving the problem in the related technology of relying on developers to develop different reconciliation codes for different reconciliation objects, resulting in high labor costs for reconciliation.

[0064] In an optional embodiment, during the process of reconciliation between the first financial institution and the reconciliation object based on the target reconciliation code and the reconciliation file of the first financial institution, the target processing system can obtain the reconciliation file of the second financial institution, and perform reconciliation based on the reconciliation file of the first financial institution, the target reconciliation code corresponding to the second financial institution, and the reconciliation file of the second financial institution to obtain a first reconciliation result.

[0065] Optionally, the reconciliation objects that have reconciliation needs with the first financial institution include a second financial institution, which is the superior institution of the first financial institution. When the partner has a transaction request, the first financial institution acts as an intermediate bridge to forward the partner's transaction request to the second financial institution, and then the second financial institution executes the transaction request. In this process, the first financial institution, the second financial institution and the partner respectively generate corresponding reconciliation files for subsequent reconciliation.

[0066] Optionally, when reconciliation is to be performed between a first financial institution and a second financial institution, the reconciliation file of the first financial institution and the reconciliation file of the second financial institution are preprocessed respectively to obtain a first reconciliation file and a second reconciliation file, and then the first reconciliation file and the second reconciliation file are reconciled based on the target reconciliation code corresponding to the second financial institution, and the first reconciliation result is determined by the proportion of all matching reconciliation elements in the two reconciliation files that are completely identical in content. For example, when reconciling, first find data with the same serial number from the two reconciliation files, and then for the two data with the same serial number, compare the element values ​​of the matching elements based on the reconciliation element matching relationship to determine whether the element values ​​are consistent.

[0067] Optionally, when determining the first reconciliation result, the number of differences in content (ie, element value) of all matching reconciliation elements in the two reconciliation files is calculated. If the number of differences is 0, it indicates that the reconciliation is passed, otherwise the reconciliation fails. The first reconciliation result can be used to determine the target reconciliation file.

[0068] It should be noted that by using the target reconciliation code generated based on the element matching relationship to automatically perform reconciliation, the accuracy and automation of the reconciliation process are ensured, the labor cost of reconciliation is reduced, and inconsistent data in the reconciliation file is discovered in a timely manner.

[0069] In an optional embodiment, after obtaining the first reconciliation result, the target processing system can determine the target reconciliation file based on the first reconciliation result and the reconciliation file of the first financial institution; and perform reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the reconciliation file of the partner.

[0070] Optionally, the reconciliation objects that have reconciliation needs with the first financial institution include partners. The partners can initiate a transaction request, and then the first financial institution sends the transaction request to the second financial institution, and the second financial institution executes the transaction request. In this process, the first financial institution, the second financial institution, and the partner each generate corresponding reconciliation files for subsequent reconciliation.

[0071] Optionally, before the first financial institution conducts reconciliation with the partner, it is necessary to first conduct reconciliation between the first financial institution and the second financial institution, determine the target reconciliation file, and then determine the target reconciliation code corresponding to the partner. The target reconciliation code includes the processing logic for reading, parsing and comparing reconciliation elements of the reconciliation file. Finally, reconciliation is performed based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the partner's reconciliation file.

[0072] Optionally, when reconciling the reconciliation file of the first financial institution with that of the second financial institution based on the target reconciliation code, a first reconciliation result is determined based on the number of all matching reconciliation elements in the two reconciliation files that are completely identical in content, and the first reconciliation result indicates whether the reconciliation is passed.

[0073] Optionally, when determining the target reconciliation file based on the first reconciliation result and the reconciliation file of the first financial institution, when the first reconciliation result is that the reconciliation is passed, it is determined that the reconciliation file of the first financial institution is correct, and the reconciliation file of the first financial institution can be determined as the target reconciliation file. When the first reconciliation result is that the reconciliation is not passed, it is determined that there is an error in the reconciliation file of the first financial institution. In this case, the reconciliation file of the first financial institution is adjusted based on the reconciliation file of the second financial institution, and then the adjusted reconciliation file of the first financial institution is determined as the target reconciliation file. In addition, the error rate of the reconciliation file of the first financial institution relative to the reconciliation file of the second financial institution can also be counted in this process, and when the error rate is greater than a preset value, a warning message is generated to remind the staff of the financial institution to handle the abnormality of the reconciliation file.

[0074] Optionally, there are two ways to reconcile between the first financial institution and the partner. It can be done at the first financial institution or at the partner. If the partner does not have its own reconciliation needs, then the target processing system will start to reconcile the reconciliation files of the first financial institution and the partner after obtaining the target reconciliation file. This process will use the target reconciliation code corresponding to the partner to reconcile between the target reconciliation file and the reconciliation file corresponding to the partner. When reconciling, first find the transaction data with the same serial number, and then compare whether the information of the reconciliation elements in this transaction data in the two reconciliation files is the same, so as to check whether there are any abnormalities in the reconciliation file. If the partner has its own reconciliation needs, the target processing system can send the target reconciliation file and the target reconciliation code corresponding to the partner to the partner. The partner completes the reconciliation. If any abnormality is found, the reconciliation file is adjusted according to the standards set by the first financial institution.

[0075] It should be noted that by determining the target reconciliation file based on the first reconciliation result and the reconciliation file of the first financial institution, the abnormal transaction data in the reconciliation file is verified, unnecessary data processing is reduced, and the efficiency and accuracy of reconciliation are improved. By calling the target processing code for reconciliation, the automated processing of reconciliation is achieved, thereby reducing the labor cost of reconciliation.

[0076] In an optional embodiment, in the process of reconciling based on the target reconciliation file, the target reconciliation code corresponding to the partner and the reconciliation file of the partner, the target processing system can obtain the reconciliation file of the partner, and perform reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner and the reconciliation file of the partner through the target processing system, or send the target reconciliation file and the target reconciliation code corresponding to the partner to the partner, wherein the partner, upon receiving the target reconciliation file, performs reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner and the reconciliation file of the partner.

[0077] Optionally, there are two methods for reconciliation between the first financial institution and the partner, and the reconciliation method may be pre-agreed between the first financial institution and the partner.

[0078] Optionally, when reconciliation is conducted through the first financial institution, the partner generates a reconciliation file according to the rules set by the staff of the first financial institution, and transmits it to the target processing system via FTP (File Transfer Protocol), SFTP (Secure File Transfer Protocol) or API (Application Programming InterFace). The target processing system pre-processes the reconciliation file to obtain a second reconciliation file corresponding to the partner, wherein the rules set by the staff may include the reconciliation elements of the reconciliation file and the data presentation method (such as integers or decimal places with a few decimal places). Afterwards, the system calls the target reconciliation code corresponding to the partner and starts the reconciliation process. First, the system reads and parses the target reconciliation file and the second reconciliation file corresponding to the partner, extracts the reconciliation elements and corresponding values ​​that belong to the element matching relationship, and then compares the reconciliation element values ​​representing the same transaction record in the two reconciliation files based on the one-to-one correspondence of the transaction serial numbers to see if they are the same. At the same time, the system records the number of transaction records with different reconciliation element values, generates a reconciliation report, and finally transmits the reconciliation report to the partner through FTP, SFTP or API, so that the partner can review and process abnormal data, where the reconciliation report includes records of mismatched reconciliation element values.

[0079] Optionally, in the case of reconciliation through a partner, after obtaining the target reconciliation file, the target processing system sends the target reconciliation file and the target reconciliation code corresponding to the partner to the partner through FTP, SFTP or API, and then the partner performs reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner and the partner's reconciliation file. The process from reading the file to generating the reconciliation report by the partner is the same as the reconciliation process of the target processing system, which will not be repeated here.

[0080] It should be noted that by reconciling the target processing system based on the reconciliation file and the target reconciliation code, automatic reconciliation is achieved, which reduces the labor cost of reconciliation and the delay in data exchange and processing between the first financial institution and the partner. By having the partner reconcile based on the reconciliation file and the target reconciliation code, the pressure on the target processing system is reduced, and the consistency and transparency of the reconciliation are ensured, thereby providing protection for the risk control of the financial institution. By providing the above two reconciliation methods, the flexibility of reconciliation can also be effectively improved.

[0081] In an optional embodiment, in the process of determining the target reconciliation file based on the first reconciliation result and the reconciliation file of the first financial institution, the target processing system may determine the reconciliation file of the first financial institution as the target reconciliation file if the first reconciliation result indicates that the reconciliation has passed; if the first reconciliation result indicates that the reconciliation has failed, adjust the reconciliation file of the first financial institution based on the reconciliation file of the second financial institution, and determine the adjusted reconciliation file of the first financial institution as the target reconciliation file.

[0082] Optionally, if the element values ​​of key reconciliation elements of all transaction records in the reconciliation files of the first financial institution and the second financial institution are the same, that is, no inconsistent records are found, then the first reconciliation result indicates that the reconciliation is passed; if the element values ​​of key reconciliation elements of transaction records in the reconciliation files of the first financial institution and the second financial institution are different, that is, inconsistent records are found, then the first reconciliation result indicates that the reconciliation failed, wherein the key reconciliation elements are all reconciliation elements in the element matching relationship.

[0083] Optionally, when the reconciliation is passed, it means that the transaction records of the first financial institution are correct, and no adjustment is required. The reconciliation file of the first financial institution is directly determined as the target reconciliation file. After that, the target processing system will follow the reconciliation process and use the target reconciliation code generated for the partner to read the target reconciliation file and the partner's reconciliation file, match the elements of the transaction records and compare the data to verify whether the reconciliation files are consistent.

[0084] Optionally, when the reconciliation fails, it means that there are erroneous data in the reconciliation file of the first financial institution. In this case, it is necessary to correct the erroneous data in the reconciliation file of the first financial institution, and replace all the erroneous data in the reconciliation file of the first financial institution with data representing the same transaction record in the reconciliation file of the second financial institution. Then, the adjusted reconciliation file of the first financial institution is determined as the target reconciliation file for subsequent reconciliation processes, wherein the same transaction record in different reconciliation files is determined based on the unique serial number of the transaction record.

[0085] In some embodiments, assuming that the reconciliation between the first financial institution and the second financial institution fails, the transaction record with serial number 20230816032 in the reconciliation file of the first financial institution does not match the record in the reconciliation file of the second financial institution. After checking, it is found that the value of the reconciliation element of the transaction record in the reconciliation file of the first financial institution is the transaction amount (2,345 yuan) which is different from the value in the reconciliation file of the second financial institution (2,345.6 yuan). The former value is changed to 2,345.6 yuan, and then the modified reconciliation file of the first financial institution is determined as the target reconciliation file.

[0086] It should be noted that by directly determining the reconciliation file of the first financial institution that has passed the reconciliation as the target reconciliation file, unnecessary adjustments and processing are avoided, the efficiency of reconciliation is improved, and the labor cost of reconciliation is reduced. By adjusting the reconciliation file of the first financial institution that has failed the reconciliation based on the reconciliation file of the second financial institution, and determining the adjusted reconciliation file as the target reconciliation file, the accuracy and consistency of the transaction records are ensured, and the possibility of the partner receiving erroneous or inconsistent transaction records is reduced, thereby improving the efficiency and accuracy of the reconciliation.

[0087] In an optional embodiment, in the process of reconciling based on the reconciliation file of the first financial institution, the target reconciliation code corresponding to the second financial institution and the reconciliation file of the second financial institution to obtain a first reconciliation result, the target processing system may pre-process the reconciliation file of the first financial institution to obtain a first reconciliation file, wherein the preprocessing includes at least one of the following: compliance check, data filtering, data splitting, data deduplication, data cleaning; pre-processing the reconciliation file of the second financial institution to obtain a second reconciliation file; reconciling based on the first reconciliation file, the target reconciliation code corresponding to the second financial institution and the second reconciliation file to obtain a first reconciliation result.

[0088] Optionally, the reconciliation file of the first financial institution and the reconciliation file of the second financial institution are preprocessed respectively to obtain a first reconciliation file and a second reconciliation file, and the preprocessed reconciliation file removes invalid data and converts the data into a format that is convenient for comparison.

[0089] Optional, Figure 4 is a schematic diagram of reconciliation file preprocessing according to an embodiment of the present application, such as Figure 4 As shown, in some embodiments, preprocessing may include: compliance checking, data filtering, data splitting, data deduplication, and data cleaning, and each preprocessing operation completes the following contents respectively:

[0090] 1. Compliance check: Check whether the reconciliation file meets the format requirements, such as checking the file name, file size, total number of transactions, total amount, etc., to see whether the file name is composed of legal characters, whether the file size exceeds or is less than the limit, whether the total number of transactions and total amount are numbers, etc., and change the non-compliant attributes.

[0091] 2. Data filtering: remove records that are not in the reconciliation cycle or do not need to be involved in reconciliation, ensuring that only transaction data within the current cycle is reconciled. Reconciliation is to compare transaction records within a certain period of time, thereby determining the reconciliation cycle.

[0092] 3. Data splitting: Split the reconciliation file according to business elements. The transaction records of different businesses form a separate reconciliation file, reducing the processing burden of a single file and supporting concurrent processing.

[0093] 4. Data deduplication: Remove duplicate transaction records to ensure that each transaction is processed only once, improving subsequent reconciliation efficiency.

[0094] 5. Data cleaning: Convert the data format of the reconciliation element values ​​of the transaction records, unify the field content, ensure the consistency of the structure and content of the reconciliation files between the first financial institution and the second financial institution, and facilitate subsequent data comparison.

[0095] Optionally, the preprocessed reconciliation file can be used for reconciliation, and reconciliation is performed based on the first reconciliation file, the target reconciliation code corresponding to the second financial institution, and the second reconciliation file to obtain a first reconciliation result. During the reconciliation, the number of different contents of all matching reconciliation elements in the two reconciliation files is calculated. If the number of differences is 0, the first reconciliation result is determined to be reconciliation passed, otherwise the first reconciliation result is determined to be reconciliation failed.

[0096] In some embodiments, assuming that the element matching relationship determined based on the first reconciliation file template and the second reconciliation file template includes transaction time, transaction type, transaction status and amount, when the target processing system uses the target reconciliation code for reconciliation, it first finds the transaction records representing the same transaction in the first reconciliation file and the second reconciliation file based on the unique serial number 20230816032, and then compares the transaction time, transaction type, transaction status and amount information in the two transaction records. It is found that the transaction status values ​​of the two transaction records are different, the one in the first reconciliation file is a reconciliation, and the one in the second reconciliation file is a success, then the reconciliation element matching fails, and it is determined that the first reconciliation result of this reconciliation is that the reconciliation failed.

[0097] It should be noted that by preprocessing the reconciliation file, factors that may affect the accuracy of data comparison are reduced, the efficiency and accuracy of reconciliation are improved, and by determining the first reconciliation result based on the preprocessed reconciliation file and the target reconciliation code, inconsistent data in the reconciliation file can be discovered in a timely manner, ensuring the accuracy of financial transactions while reducing the labor cost of reconciliation.

[0098] In an optional embodiment, after obtaining the first reconciliation result, the target processing system may, when the first reconciliation result indicates that the reconciliation has failed, count the error rate of the reconciliation file of the first financial institution relative to the reconciliation file of the second financial institution; when the error rate is greater than a preset value, generate early warning information, wherein the early warning information indicates that there are abnormalities in the reconciliation file of the first financial institution and / or the reconciliation file of the second financial institution.

[0099] Optionally, the error rate is the ratio of the number of inconsistent transaction records found during the reconciliation process to the total number of transaction records. The error rate is calculated as follows:

[0100] Error rate = (number of inconsistent transaction records / total number of transaction records) * 100%

[0101] By calculating the error rate of the reconciliation file of the first financial institution relative to the reconciliation file of the second financial institution, the error situation of the reconciliation file can be monitored in real time so as to handle the errors.

[0102] Optionally, an error rate threshold, i.e., a preset value, is set in the monitoring center of the target processing system. The monitoring center is used to monitor the reconciliation error rate. When the error rate is greater than the preset value, the system will generate an early warning message, indicating that there are abnormalities in the reconciliation file of the first financial institution and / or the reconciliation file of the second financial institution, and the abnormalities are serious, and the staff will be reminded to modify the erroneous data in time; when the error rate is less than or equal to the preset value, the erroneous reconciliation element value will be corrected in time.

[0103] Optionally, the first financial institution and different partners can customize monitoring and early warning strategies according to their own circumstances. For partners, they can transmit their own monitoring and early warning strategies to the target processing system when transmitting reconciliation files. Then, the target processing system will generate early warning information based on the monitoring and early warning strategies in the reconciliation process between the first financial institution and the partner. For the first financial institution, after formulating its own monitoring and early warning strategies, it can be directly applied to the target processing system.

[0104] It should be noted that by automatically monitoring the error rate, the labor cost of reconciliation is reduced, and the quantitative representation of data inconsistencies in the reconciliation process is achieved. It can provide a more intuitive understanding of the current reconciliation situation, thereby facilitating timely correction of erroneous data. By generating early warning information based on preset values, financial institutions can quickly identify and handle abnormal situations in reconciliation, thereby improving the efficiency of reconciliation and reducing the labor cost of reconciliation.

[0105] In an embodiment of the present application, a target reconciliation code is generated based on a reconciliation element matching relationship and a preset reconciliation code template to perform reconciliation of financial institutions. The corresponding element matching relationship is determined based on the reconciliation file of the first financial institution and the reconciliation files of different reconciliation objects, thereby achieving accurate determination of matching reconciliation elements to ensure that the information in the reconciliation file can be correctly identified and compared during reconciliation. The corresponding target reconciliation code is automatically determined based on the element matching relationship and a preset reconciliation code template, and reconciliation is performed based on the target reconciliation code. This achieves rapid generation of the code required for reconciliation, reduces the labor cost of developing the reconciliation code, and thereby reduces the labor cost of reconciliation.

[0106] It can be seen that the solution provided in the present application achieves the purpose of generating a target reconciliation code based on the matching relationship of reconciliation elements and a preset reconciliation code template for reconciliation of financial institutions, thereby achieving the technical effect of reducing the labor cost of reconciliation, and further solving the problem in the related technology of relying on developers to develop different reconciliation codes for different reconciliation objects, resulting in high labor costs for reconciliation.

[0107] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0108] Example 2

[0109] The embodiment of the present application also provides a reconciliation device. It should be noted that the reconciliation device of the embodiment of the present application can be used to execute the reconciliation method provided in the embodiment of the present application. The reconciliation device provided in the embodiment of the present application is introduced below.

[0110] According to an embodiment of the present application, a device for implementing the above-mentioned reconciliation method is also provided, such as Figure 5 As shown, the device comprises:

[0111] The acquisition module 501 is used to acquire the reconciliation file template of the first financial institution to obtain the first file template, and acquire the reconciliation file templates of N reconciliation objects associated with the first financial institution to obtain N second file templates;

[0112] A matching module 502 is used to receive a reconciliation element matching instruction from a user, and match the reconciliation elements in the first file template with the reconciliation elements in the second file template according to the reconciliation element matching instruction to obtain an element matching relationship associated with each second file template, wherein the matched reconciliation elements refer to the reconciliation elements that need to be compared during reconciliation;

[0113] The first processing module 503 is used to generate a target reconciliation code corresponding to each reconciliation object according to the element matching relationship associated with the second file template of each reconciliation object and the preset reconciliation code template;

[0114] The second processing module 504 is configured to perform reconciliation between the first financial institution and the reconciliation object based on the target reconciliation code and the reconciliation file of the first financial institution when a reconciliation file newly generated by the first financial institution is detected.

[0115] It should be noted that the above-mentioned acquisition module 501, matching module 502, first processing module 503 and second processing module 504 correspond to steps S201 to S204 in the above-mentioned embodiment, and the examples and application scenarios implemented by the four modules and the corresponding steps are the same, but are not limited to the contents disclosed in the above-mentioned embodiment 1.

[0116] In an embodiment of the present application, a target reconciliation code is generated based on a reconciliation element matching relationship and a preset reconciliation code template to perform reconciliation of financial institutions. The corresponding element matching relationship is determined based on the reconciliation file of the first financial institution and the reconciliation files of different reconciliation objects, thereby achieving accurate determination of matching reconciliation elements to ensure that the information in the reconciliation file can be correctly identified and compared during reconciliation. The corresponding target reconciliation code is automatically determined based on the element matching relationship and a preset reconciliation code template, and reconciliation is performed based on the target reconciliation code. This achieves rapid generation of the code required for reconciliation, reduces the labor cost of developing the reconciliation code, and thereby reduces the labor cost of reconciliation.

[0117] It can be seen that the solution provided in the present application achieves the purpose of generating a target reconciliation code based on the matching relationship of reconciliation elements and a preset reconciliation code template for reconciliation of financial institutions, thereby achieving the technical effect of reducing the labor cost of reconciliation, and further solving the problem in the related technology of relying on developers to develop different reconciliation codes for different reconciliation objects, resulting in high labor costs for reconciliation.

[0118] Optionally, in the reconciliation device provided in the embodiment of the present application, the second processing module also includes: an acquisition sub-module, used to obtain the reconciliation file of the second financial institution, and perform reconciliation based on the reconciliation file of the first financial institution, the target reconciliation code corresponding to the second financial institution and the reconciliation file of the second financial institution to obtain a first reconciliation result.

[0119] Optionally, in the reconciliation device provided in the embodiment of the present application, the reconciliation device also includes: a determination module, used to determine the target reconciliation file based on the first reconciliation result and the reconciliation file of the first financial institution; a reconciliation module, used to perform reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the reconciliation file of the partner.

[0120] Optionally, in the reconciliation device provided in the embodiment of the present application, the reconciliation module also includes: a first reconciliation sub-module, used to obtain the reconciliation file of the partner, and perform reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the reconciliation file of the partner through the target processing system, or, a second reconciliation sub-module, used to send the target reconciliation file and the target reconciliation code corresponding to the partner to the partner, wherein, when the partner receives the target reconciliation file, it performs reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the reconciliation file of the partner.

[0121] Optionally, in the reconciliation device provided in the embodiment of the present application, the determination module also includes: a first determination sub-module, used to determine the reconciliation file of the first financial institution as the target reconciliation file when the first reconciliation result indicates that the reconciliation is passed; a second determination sub-module, used to adjust the reconciliation file of the first financial institution based on the reconciliation file of the second financial institution when the first reconciliation result indicates that the reconciliation is not passed, and determine the adjusted reconciliation file of the first financial institution as the target reconciliation file.

[0122] Optionally, in the reconciliation device provided in the embodiment of the present application, the acquisition sub-module also includes: a first processing unit, used to pre-process the reconciliation file of the first financial institution to obtain a first reconciliation file, wherein the preprocessing includes at least one of the following: compliance check, data filtering, data splitting, data deduplication, data cleaning; a second processing unit, used to pre-process the reconciliation file of the second financial institution to obtain a second reconciliation file; a reconciliation sub-unit, used to reconcile based on the first reconciliation file, the target reconciliation code corresponding to the second financial institution and the second reconciliation file to obtain a first reconciliation result.

[0123] Optionally, in the reconciliation device provided in the embodiment of the present application, the reconciliation device also includes: a statistical module, used to count the error rate of the reconciliation file of the first financial institution relative to the reconciliation file of the second financial institution when the first reconciliation result indicates that the reconciliation has failed; an early warning module, used to generate early warning information when the error rate is greater than a preset value, wherein the early warning information indicates that there is an abnormality in the reconciliation file of the first financial institution and / or the reconciliation file of the second financial institution.

[0124] It should be noted that the acquisition module 501, the matching module 502, the first processing module 503 and the second processing module 504 correspond to steps S201 to S204 in the above embodiment, and the examples and application scenarios implemented by the four modules and the corresponding steps are the same, but are not limited to the contents disclosed in the above embodiment 1. It should be noted that the above modules or units may be hardware components or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n), and the above modules may also be part of the device and may be run in the computer terminal 10 provided in the first embodiment.

[0125] Example 3

[0126] An embodiment of the present application may provide an electronic device, Figure 6 is a structural block diagram of an electronic device according to an embodiment of the present application. Figure 6 As shown, the electronic device may include: one or more ( Figure 6 (only one is shown) processor 1002, memory 1004, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0127] Among them, the memory can be used to store software programs and modules, such as program instructions / modules corresponding to the methods and devices in the embodiments of the present application, and the processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, realizing the above-mentioned method. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include a memory remotely arranged relative to the processor, and these remote memories may be connected to the terminal via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0128] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: obtain the reconciliation file template of the first financial institution to obtain the first file template, and obtain the reconciliation file templates of N reconciliation objects associated with the first financial institution to obtain N second file templates; receive the user's reconciliation element matching instruction, and match the reconciliation elements in the first file template with the reconciliation elements in the second file template according to the reconciliation element matching instruction to obtain the element matching relationship associated with each second file template, wherein the matched reconciliation element refers to the reconciliation element that needs to be compared during reconciliation; generate the target reconciliation code corresponding to each reconciliation object according to the element matching relationship associated with the second file template of each reconciliation object and the preset reconciliation code template; when a new reconciliation file generated by the first financial institution is detected, reconciliation is performed between the first financial institution and the reconciliation object based on the target reconciliation code and the reconciliation file of the first financial institution.

[0129] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: obtain the reconciliation file of the second financial institution, and reconcile based on the reconciliation file of the first financial institution, the target reconciliation code corresponding to the second financial institution and the reconciliation file of the second financial institution to obtain a first reconciliation result.

[0130] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: determine the target reconciliation file based on the first reconciliation result and the reconciliation file of the first financial institution; and perform reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the reconciliation file of the partner.

[0131] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: obtain the reconciliation file of the partner, and perform reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the reconciliation file of the partner through the target processing system, or send the target reconciliation file and the target reconciliation code corresponding to the partner to the partner, wherein the partner, upon receiving the target reconciliation file, performs reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the reconciliation file of the partner.

[0132] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: when the first reconciliation result indicates that the reconciliation is passed, the reconciliation file of the first financial institution is determined as the target reconciliation file; when the first reconciliation result indicates that the reconciliation is not passed, the reconciliation file of the first financial institution is adjusted according to the reconciliation file of the second financial institution, and the adjusted reconciliation file of the first financial institution is determined as the target reconciliation file.

[0133] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: pre-processing the reconciliation file of the first financial institution to obtain a first reconciliation file, wherein the pre-processing includes at least one of the following: compliance check, data filtering, data splitting, data deduplication, and data cleaning; pre-processing the reconciliation file of the second financial institution to obtain a second reconciliation file; reconciling based on the first reconciliation file, the target reconciliation code corresponding to the second financial institution, and the second reconciliation file to obtain a first reconciliation result.

[0134] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: when the first reconciliation result indicates that the reconciliation has failed, counting the error rate of the reconciliation file of the first financial institution relative to the reconciliation file of the second financial institution; when the error rate is greater than a preset value, generating early warning information, wherein the early warning information indicates that there is an abnormality in the reconciliation file of the first financial institution and / or the reconciliation file of the second financial institution.

[0135] In an embodiment of the present application, a target reconciliation code is generated based on a reconciliation element matching relationship and a preset reconciliation code template to perform reconciliation of financial institutions. The corresponding element matching relationship is determined based on the reconciliation file of the first financial institution and the reconciliation files of different reconciliation objects, thereby achieving accurate determination of matching reconciliation elements to ensure that the information in the reconciliation file can be correctly identified and compared during reconciliation. The corresponding target reconciliation code is automatically determined based on the element matching relationship and a preset reconciliation code template, and reconciliation is performed based on the target reconciliation code. This achieves rapid generation of the code required for reconciliation, reduces the labor cost of developing the reconciliation code, and thereby reduces the labor cost of reconciliation.

[0136] It can be seen that the solution provided in the present application achieves the purpose of generating a target reconciliation code based on the matching relationship of reconciliation elements and a preset reconciliation code template for reconciliation of financial institutions, thereby achieving the technical effect of reducing the labor cost of reconciliation, and further solving the problem in the related technology of relying on developers to develop different reconciliation codes for different reconciliation objects, resulting in high labor costs for reconciliation.

[0137] It can be understood by those skilled in the art that Figure 6 The structure shown is for illustration only, and the electronic device may also be a smart phone (such as an Android phone, an iOS phone, etc.), a tablet computer, a PDA, a mobile Internet device (Mobile Internet Devices, MID), a PAD, or other terminal devices. Figure 6 The structure of the electronic device is not limited. Figure 6 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Figure 6 Different configurations shown.

[0138] A person of ordinary skill in the art can understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, and the storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0139] Example 4

[0140] The embodiment of the present application further provides a storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the reconciliation method provided in the first embodiment.

[0141] Optionally, in this embodiment, the above storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group.

[0142] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing the program steps of the reconciliation method.

[0143] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0144] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0145] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic, for example, the division of units is only a logical function division, and there may be other division methods in actual implementation, for example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0146] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0147] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0148] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application is essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, server or network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, RandomAccess Memory), mobile hard disk, disk or CD-ROM and other media that can store program codes.

[0149] The above is only a preferred implementation of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A reconciliation method, characterized in that: Applied to a target processing system, the method comprises: Obtaining a reconciliation file template of a first financial institution to obtain a first file template, and obtaining reconciliation file templates of N reconciliation objects associated with the first financial institution to obtain N second file templates; receiving a reconciliation element matching instruction from a user, and matching the reconciliation elements in the first file template with the reconciliation elements in the second file template according to the reconciliation element matching instruction to obtain an element matching relationship associated with each second file template, wherein the matched reconciliation elements refer to the reconciliation elements that need to be compared during reconciliation; Generate a target reconciliation code corresponding to each reconciliation object according to the element matching relationship associated with the second file template of each reconciliation object and the preset reconciliation code template; When the reconciliation file newly generated by the first financial institution is detected, reconciliation is performed between the first financial institution and the reconciliation object based on the target reconciliation code and the reconciliation file of the first financial institution.

2. The method according to claim 1, characterized in that The reconciliation object includes a second financial institution, the first financial institution is used to forward the transaction request of the partner to the second financial institution, and the second financial institution is the transaction request executor, wherein based on the target reconciliation code and the reconciliation file of the first financial institution, reconciliation is performed between the first financial institution and the reconciliation object, including: The reconciliation file of the second financial institution is obtained, and reconciliation is performed based on the reconciliation file of the first financial institution, the target reconciliation code corresponding to the second financial institution, and the reconciliation file of the second financial institution to obtain a first reconciliation result.

3. The method according to claim 2, characterized in that The reconciliation object also includes a partner, and the partner is a transaction request initiator. After obtaining the first reconciliation result, the method further includes: Determining a target reconciliation file based on the first reconciliation result and the reconciliation file of the first financial institution; Reconciliation is performed based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the reconciliation file of the partner.

4. The method according to claim 3, characterized in that Reconciliation is performed based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the reconciliation file of the partner, including: obtaining the reconciliation file of the partner, and performing reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the reconciliation file of the partner through the target processing system, or, The target reconciliation file and the target reconciliation code corresponding to the partner are sent to the partner, wherein the partner, upon receiving the target reconciliation file, performs reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner and the reconciliation file of the partner.

5. The method according to claim 3, characterized in that: Determining a target reconciliation file based on the first reconciliation result and the reconciliation file of the first financial institution includes: If the first reconciliation result indicates that the reconciliation is passed, determining the reconciliation file of the first financial institution as the target reconciliation file; When the first reconciliation result indicates that the reconciliation has failed, the reconciliation file of the first financial institution is adjusted according to the reconciliation file of the second financial institution, and the adjusted reconciliation file of the first financial institution is determined as the target reconciliation file.

6. The method according to claim 2, characterized in that Reconciliation is performed based on the reconciliation file of the first financial institution, the target reconciliation code corresponding to the second financial institution, and the reconciliation file of the second financial institution to obtain a first reconciliation result, including: Preprocessing the reconciliation file of the first financial institution to obtain a first reconciliation file, wherein the preprocessing includes at least one of the following: compliance check, data filtering, data splitting, data deduplication, and data cleaning; performing the preprocessing on the reconciliation file of the second financial institution to obtain a second reconciliation file; Reconciliation is performed based on the first reconciliation file, the target reconciliation code corresponding to the second financial institution, and the second reconciliation file to obtain the first reconciliation result.

7. The method according to claim 2, characterized in that After obtaining the first reconciliation result, the method further includes: If the first reconciliation result indicates that the reconciliation has failed, calculating an error rate of the reconciliation file of the first financial institution relative to the reconciliation file of the second financial institution; When the error rate is greater than a preset value, a warning message is generated, wherein the warning message indicates that an abnormality exists in the reconciliation file of the first financial institution and / or the reconciliation file of the second financial institution.

8. A reconciliation device, characterized in that: Applied to a target processing system, the device comprises: An acquisition module, configured to acquire a reconciliation file template of a first financial institution to obtain a first file template, and acquire reconciliation file templates of N reconciliation objects associated with the first financial institution to obtain N second file templates; a matching module, configured to receive a reconciliation element matching instruction from a user, and match the reconciliation elements in the first file template with the reconciliation elements in the second file template according to the reconciliation element matching instruction to obtain an element matching relationship associated with each second file template, wherein the matched reconciliation elements refer to the reconciliation elements that need to be compared during reconciliation; A first processing module, configured to generate a target reconciliation code corresponding to each reconciliation object according to a matching relationship of elements associated with the second file template of each reconciliation object and a preset reconciliation code template; The second processing module is configured to perform reconciliation between the first financial institution and the reconciliation object based on the target reconciliation code and the reconciliation file of the first financial institution when a new reconciliation file generated by the first financial institution is detected.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored executable program, wherein when the executable program is run, the device where the computer-readable storage medium is located is controlled to execute the reconciliation method according to any one of claims 1 to 7.

10. An electronic device, characterized in that: include: A memory storing an executable program; A processor, configured to run the program, wherein the program, when running, executes the reconciliation method described in any one of claims 1 to 7.

11. A computer program product comprising computer instructions, characterized in that: When the computer instructions are executed by a processor, the steps of the reconciliation method described in any one of claims 1 to 7 are implemented.

Images