Reconciliation methods, devices, computer-readable storage media and electronic devices

Abstract

This application discloses a reconciliation method, apparatus, computer-readable storage medium, and electronic device. Relating to the field of artificial intelligence, the method includes: obtaining a first file template from a first financial institution and second file templates from N reconciliation objects associated with the first financial institution; matching reconciliation elements in the first file template with reconciliation elements in the second file template according to reconciliation element matching instructions to obtain element matching relationships associated with each second file template; generating target reconciliation codes corresponding to each reconciliation object based on the element matching relationships and reconciliation code templates; and, upon detecting a newly generated reconciliation file from the first financial institution, performing reconciliation between the first financial institution and the reconciliation objects based on the target reconciliation codes and the first financial institution's reconciliation file. This application solves the problem in related technologies where developers are required to create different reconciliation codes for different reconciliation objects, leading to high manual reconciliation costs.

Description

Technical Field

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

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

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

[0004] There is currently no effective solution to the problem that related technologies rely on developers to create different reconciliation codes for different reconciliation objects, resulting in high manual reconciliation costs. Summary of the Invention

[0005] The main objective of this application is to provide a reconciliation method, apparatus, computer-readable storage medium, and electronic device to solve the problem in related technologies that rely on developers to develop different reconciliation codes for different reconciliation objects, resulting in high manual reconciliation costs.

[0006] According to one aspect 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 user's reconciliation element matching instruction, and matching the reconciliation elements in the first file templates with the reconciliation elements in the second file templates according to the reconciliation element matching instruction to obtain the element matching relationship associated with each second file template, wherein the matching 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 templates of each reconciliation object and a preset reconciliation code template; and, when a newly generated reconciliation file of the first financial institution is detected, performing reconciliation between the first financial institution and the reconciliation objects based on the target reconciliation code and the reconciliation file of the first financial institution.

[0007] Furthermore, the reconciliation method also includes: obtaining the reconciliation file of the second financial institution, and performing 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 the first reconciliation result.

[0008] Furthermore, the reconciliation method also includes: determining the target reconciliation document based on the first reconciliation result and the reconciliation document of the first financial institution; and conducting reconciliation based on the target reconciliation document, the target reconciliation code corresponding to the partner, and the partner's reconciliation document.

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

[0010] Furthermore, the reconciliation method also includes: if the first reconciliation result indicates that the reconciliation has passed, the reconciliation document of the first financial institution is determined as the target reconciliation document; if the first reconciliation result indicates that the reconciliation has failed, the reconciliation document of the first financial institution is adjusted based on the reconciliation document of the second financial institution, and the adjusted reconciliation document of the first financial institution is determined as the target reconciliation document.

[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; and performing reconciliation 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: if the first reconciliation result indicates that the reconciliation has failed, calculating the error rate of the reconciliation file of the first financial institution relative to the reconciliation file of the second financial institution; if the error rate is greater than a preset value, generating an early warning message, wherein the early warning message indicates that there are anomalies in the reconciliation files of the first financial institution and / or the reconciliation files of the second financial institution.

[0013] To achieve the above objectives, according to another aspect of this application, a reconciliation apparatus is provided. The apparatus includes: 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 user's reconciliation element matching instruction, and according to the reconciliation element matching instruction, match the reconciliation elements in the first file templates with the reconciliation elements in the second file templates to obtain element matching relationships 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 based on the element matching relationships associated with the second file templates of each reconciliation object and a preset reconciliation code template; and a second processing module, configured to, upon detecting a newly generated reconciliation file from the first financial institution, perform reconciliation between the first financial institution and the reconciliation objects based on the target reconciliation code and the reconciliation file of the first financial institution.

[0014] Furthermore, the second processing module also includes: an acquisition submodule, used to acquire the reconciliation file of the second financial institution, and to 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 the first reconciliation result.

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

[0016] Furthermore, the reconciliation module also includes: a first reconciliation submodule, 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 partner's reconciliation file through the target processing system; or, a second reconciliation submodule, used to 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 partner's reconciliation file.

[0017] Furthermore, the determining module also includes: a first determining submodule, used to 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; and a second determining submodule, used to adjust the reconciliation file of the first financial institution based on the reconciliation file of the second financial institution if the first reconciliation result indicates that the reconciliation has failed, 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 preprocess 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 preprocess the reconciliation file of the second financial institution to obtain a second reconciliation file; and a reconciliation subunit, used to perform reconciliation 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 statistics module, used to calculate 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; and 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 anomaly in the reconciliation file of the first financial institution and / or the reconciliation file of the second financial institution.

[0020] To achieve the above objectives, according to another aspect of this application, a computer-readable storage medium is provided, the computer-readable storage medium including a stored executable program, wherein, when the executable program is running, it controls the device where the computer-readable storage medium is located to perform the above-described reconciliation method.

[0021] To achieve the above objectives, according to another aspect of this application, an electronic device is provided, the electronic device including a memory storing an executable program; and a processor for running the program, wherein the program executes the above-described reconciliation method when it runs.

[0022] To achieve the above objectives, according to another aspect of this application, a computer program product is provided, including computer instructions that, when executed by a processor, implement the steps of the above-described reconciliation method.

[0023] In the embodiments of this application, a target reconciliation code is generated based on the reconciliation element matching relationship and a preset reconciliation code template for financial institution reconciliation. By determining the corresponding element matching relationship based on the reconciliation file of the first financial institution and the reconciliation files of different reconciliation objects, the accurate determination of matching reconciliation elements is achieved, ensuring that the information in the reconciliation file can be correctly identified and compared during reconciliation. By automatically determining the corresponding target reconciliation code based on the element matching relationship and the preset reconciliation code template, reconciliation is performed based on the target reconciliation code. This achieves rapid generation of the code required for reconciliation, reduces the manual cost of developing reconciliation code, and thus reduces the manual cost of reconciliation.

[0024] Therefore, the solution provided in this application achieves the goal of generating target reconciliation codes based on the matching relationship of reconciliation elements and the preset reconciliation code template for financial institution reconciliation, thereby reducing the technical effect of reconciliation labor costs. It also solves the problem of high labor costs in reconciliation caused by the reliance on developers to develop different reconciliation codes for different reconciliation objects in related technologies. Attached Figure Description

[0025] The accompanying drawings, which form part of this application, are used to provide a further understanding of this application. The illustrative embodiments and descriptions of this application are used to explain this application and do not constitute an undue limitation of this application. In the drawings:

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

[0027] Figure 2 This is a schematic diagram of the reconciliation method provided according to the embodiments of this application;

[0028] Figure 3 This is a schematic diagram illustrating the matching of reconciliation elements according to the embodiments of this application;

[0029] Figure 4 This is a schematic diagram of the preprocessing of reconciliation documents according to the embodiments of this application;

[0030] Figure 5 This is a schematic diagram of an account reconciliation device provided according to an embodiment of this application;

[0031] Figure 6 This is a structural block diagram of an electronic device according to an embodiment of this application. Detailed Implementation

[0032] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort 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, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0034] It should be noted that the information collected in this application (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for display, data used for analysis, etc.) are information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of this data all comply with relevant laws, regulations, and standards, necessary confidentiality measures have been taken, and they do not violate public order and good morals. Corresponding access points are provided for users to choose to authorize or refuse. For example, interfaces are set up between this system and relevant users or organizations, providing users with corresponding access points to choose to agree to or refuse automated decision-making results; if the user chooses to refuse, the process proceeds to the expert decision-making stage.

[0035] Example 1

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

[0037] The method embodiment provided in Embodiment 1 of this application can be executed on a mobile terminal, computer terminal, or similar computing device. Figure 1 A hardware block diagram of a computer terminal (or mobile device) for implementing a reconciliation method is shown. Figure 1As shown, the computer terminal 10 (or mobile device) may include one or more processors 102 (shown as 102a, 102b, ..., 102n in the figure) 102 (processor 102 may include, but is not limited to, a microprocessor MCU or a programmable logic device FPGA, etc.), 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 a BUS bus), a network interface, a power supply, and / or a camera. Those skilled in the art will understand that... Figure 1 The structure shown is for illustrative purposes only and does not limit the structure of the aforementioned electronic device. For example, computer terminal 10 may also include... Figure 1 The more or fewer components shown, or having the same Figure 1 The different configurations shown.

[0038] It should be noted that the aforementioned one or more processors 102 and / or other data processing circuits are generally referred to herein as "data processing circuits". These data processing circuits may be embodied, in whole or in part, in software, hardware, firmware, or any other combination thereof. Furthermore, the data processing circuits may be a single, independent processing module, or may be integrated, in whole or in part, into any other element within the computer terminal 10 (or mobile device). As involved in the embodiments of this application, the data processing circuits serve as a processor control mechanism (e.g., selection of a variable resistor termination 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 this embodiment. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, thereby realizing the above-mentioned reconciliation method. The memory 104 may include high-speed random access memory, and may also include 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 104 may further include memory remotely located relative to the processor 102, and these remote memories can be connected to the computer terminal 10 via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0040] The transmission device 106 is used to receive or send data via a network. Specific examples of the network described above may include a wireless network provided by the communication provider of the computer terminal 10. In one example, the transmission device 106 includes a Network Interface Controller (NIC), which can connect to other network devices via a base station to communicate with the Internet. In another example, the transmission device 106 may be a Radio Frequency (RF) module, used for wireless communication with the Internet.

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

[0042] Under the aforementioned operating environment, this application provides the following: Figure 2 The reconciliation method shown. Figure 2 This is a schematic diagram of the reconciliation method provided according to the embodiments of this application.

[0043] Step S201: 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.

[0044] Optionally, electronic devices, application systems, servers, and other devices can be used as the execution subject of this 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 main user of the target processing system and can reconcile accounts with other reconciliation parties, including the second financial institution and its partners. The second financial institution is the superior institution of the first financial institution. In actual application, the partner initiates a transaction request, calling 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, which responds to the transaction request. During this process, the first financial institution, the second financial institution, and the partner each generate corresponding reconciliation files for subsequent reconciliation.

[0046] Optionally, each reconciliation entity has its own reconciliation document template. The reconciliation document template of the first financial institution is the first document template, and the reconciliation document templates of other reconciliation objects are the second document templates. The second document template includes the reconciliation document templates of the second financial institution and the reconciliation document templates of the partners. Optionally, the reconciliation document templates contain reconciliation elements. The reconciliation elements are used to determine the uniqueness and status of transactions. The reconciliation document templates provide a basis for matching reconciliation elements and generating target reconciliation codes.

[0047] Step S202: Receive the user's reconciliation element matching instruction. According to the reconciliation element matching instruction, match the reconciliation elements in the first file template with the reconciliation elements in the second file template to obtain the element matching relationship associated with each second file template. The matching reconciliation elements refer to the reconciliation elements that need to be compared during reconciliation.

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

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

[0050] Optionally, the element matching relationship refers to the matching relationship between the reconciliation elements in the first document template and the second document template. The matching 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 they are all the same, the reconciliation passes; if they are not all the same, the reconciliation fails.

[0051] In some embodiments, Figure 3 This is a schematic diagram of reconciliation element matching provided in the embodiments of this 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, and then determines the matching reconciliation elements according to the user's instructions, thereby determining the element matching relationship. The reconciliation object may include the second financial institution or a partner.

[0052] Step S203: Based on the element matching relationship associated with the second file template of each reconciliation object and the preset reconciliation code template, generate the target reconciliation code corresponding to each reconciliation object.

[0053] Optionally, the preset reconciliation code template is a general program code template. Since the first financial institution uses the same methods for reading and parsing reconciliation files and performing reconciliation operations when reconciling with different reconciliation objects, but the content of the reconciliation elements to be compared may differ, the target processing system can generate corresponding target reconciliation codes based on the reconciliation code template and element matching relationships for different reconciliation objects. The reconciliation code template essentially records the codes corresponding to the same reconciliation operations when reconciling with different reconciliation objects.

[0054] Optionally, the element matching relationship associated with the second file template of the reconciliation object is input into the preset reconciliation code template. 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, and the target reconciliation code corresponding to the reconciliation object can be obtained.

[0055] In some embodiments, for reconciliation object A, its reconciliation element composition list A in the element matching relationship, 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 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 the preset reconciliation code template, reconciliation can be carried out 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 that reads and parses the reconciliation file of reconciliation object A and the reconciliation file of the first financial institution, and compares 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 to perform reconciliation.

[0058] Step S204: If 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.

[0059] Optionally, the reconciliation file contains some data related to the transaction. Each transaction has a unique serial number. The reconciliation elements of the transaction data may include information such as region code, branch number, transaction time, transaction type (positive transaction, negative transaction), transaction status (success, failure, reversal) and amount. When reconciling, the reconciliation elements in the reconciliation file that belong to the element matching relationship are selected for comparison.

[0060] Optionally, the target processing system will detect in real time whether the first financial institution has generated any new reconciliation files. When a new reconciliation file is detected, the system selects the corresponding target reconciliation code based on 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. Then, it will compare the contents of the two reconciliation files based on the element matching relationship and give the comparison result, indicating whether the reconciliation is successful.

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

[0062] In the embodiments of this application, a target reconciliation code is generated based on the reconciliation element matching relationship and a preset reconciliation code template for financial institution reconciliation. By determining the corresponding element matching relationship based on the reconciliation file of the first financial institution and the reconciliation files of different reconciliation objects, the accurate determination of matching reconciliation elements is achieved, ensuring that the information in the reconciliation file can be correctly identified and compared during reconciliation. By automatically determining the corresponding target reconciliation code based on the element matching relationship and the preset reconciliation code template, reconciliation is performed based on the target reconciliation code. This achieves rapid generation of the code required for reconciliation, reduces the manual cost of developing reconciliation code, and thus reduces the manual cost of reconciliation.

[0063] Therefore, the solution provided in this application achieves the goal of generating target reconciliation codes based on the matching relationship of reconciliation elements and the preset reconciliation code template for financial institution reconciliation, thereby reducing the technical effect of reconciliation labor costs. It also solves the problem of high labor costs in reconciliation caused by the reliance on developers to develop different reconciliation codes for different reconciliation objects in related technologies.

[0064] In one optional embodiment, during the reconciliation process 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 the first reconciliation result.

[0065] Optionally, the reconciliation counterparties with the first financial institution may include the 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 intermediary to forward the transaction request to the second financial institution, which then executes the transaction request. During this process, the first financial institution, the second financial institution, and the partner each generate corresponding reconciliation documents for subsequent reconciliation.

[0066] Optionally, when reconciling accounts between a first financial institution and a second financial institution, the reconciliation files of both institutions are preprocessed to obtain a first reconciliation file and a second reconciliation file. Then, based on the target reconciliation code corresponding to the second financial institution, the first and second reconciliation files are reconciled. The first reconciliation result is determined by the proportion of matching reconciliation elements in both files that are identical in content. For example, during reconciliation, data with the same serial number is first found in both reconciliation files. Then, for data with the same serial number, the element values ​​of the matching elements are compared according to the reconciliation element matching relationship to determine whether their element values ​​are consistent.

[0067] Optionally, when determining the first reconciliation result, the number of matching reconciliation elements in the two reconciliation files that are different in content (i.e., element values) is calculated. If the number of different elements is 0, the reconciliation is successful; otherwise, the reconciliation is unsuccessful. The first reconciliation result can be used to determine the target reconciliation file.

[0068] It should be noted that by using target reconciliation codes generated based on element matching relationships to automatically perform reconciliation, the accuracy and automation of the reconciliation process are ensured, the manual cost of reconciliation is reduced, and inconsistencies in the reconciliation files are detected in a timely manner.

[0069] In one 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 partner's reconciliation file.

[0070] Optionally, the reconciliation counterparties with the first financial institution may include partners. Partners can initiate transaction requests, and then the first financial institution sends the transaction requests to the second financial institution, which executes the transaction requests. In this process, the first financial institution, the second financial institution, and the partners each generate corresponding reconciliation documents for subsequent reconciliation.

[0071] Optionally, before the first financial institution reconciles accounts with the partner, it needs to first reconcile accounts 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 contains the processing logic for reading, parsing and comparing reconciliation elements of the reconciliation file. Finally, reconciliation is carried out 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 documents of the first financial institution with those of the second financial institution based on the target reconciliation code, the first reconciliation result is determined based on the number of matching reconciliation elements in the two reconciliation documents that are completely identical in content. The first reconciliation result indicates whether the reconciliation has passed.

[0073] Optionally, when determining the target reconciliation document based on the first reconciliation result and the reconciliation document of the first financial institution, if the first reconciliation result indicates a successful reconciliation, the reconciliation document of the first financial institution is deemed correct and can be designated as the target reconciliation document. If the first reconciliation result indicates a failed reconciliation, the reconciliation document of the first financial institution is deemed to contain errors. In this case, the reconciliation document of the first financial institution is adjusted based on the reconciliation document of the second financial institution, and then the adjusted reconciliation document of the first financial institution is designated as the target reconciliation document. Furthermore, during this process, the error rate of the reconciliation document of the first financial institution relative to that of the reconciliation document of the second financial institution can be calculated, and an early warning message can be generated when the error rate exceeds a preset value, reminding the financial institution's staff to handle the anomalies in the reconciliation document.

[0074] Optionally, reconciliation between the primary financial institution and its partners can be conducted either through the primary financial institution or through the partner. If the partner does not require reconciliation, the target processing system, upon receiving the target reconciliation file, will begin reconciling the reconciliation files between the primary financial institution and the partner. This process uses the partner's corresponding target reconciliation code to reconcile the target reconciliation file with the partner's corresponding reconciliation file. During reconciliation, transaction data with the same transaction number is first identified, and then the reconciliation elements in the two reconciliation files are compared to check for anomalies. If the partner requires reconciliation, the target processing system can send the target reconciliation file and the partner's corresponding target reconciliation code to the partner. The partner completes the reconciliation, and if anomalies are found, adjustments are made to the reconciliation file according to the standards set by the primary 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 can be verified, reducing unnecessary data processing and improving the efficiency and accuracy of reconciliation. By calling the target processing code to perform reconciliation, the reconciliation process is automated, thereby reducing the manual cost of reconciliation.

[0076] In one optional embodiment, during the reconciliation process based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the partner's reconciliation file, the target processing system can obtain the partner's reconciliation file and perform reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the partner's reconciliation file. Alternatively, the target reconciliation file and the target reconciliation code corresponding to the partner can be sent to the partner. 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 partner's reconciliation file.

[0077] Optionally, there are two ways for the first financial institution and its partners to reconcile accounts. The reconciliation method can be agreed upon in advance between the first financial institution and its partners.

[0078] Optionally, when reconciliation is conducted through a 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 preprocesses the reconciliation file to obtain a second reconciliation file corresponding to the partner. The rules set by the staff may include the reconciliation elements of the reconciliation file and the data presentation method (such as integers or the number of decimal places to retain). Afterwards, the system calls the target reconciliation code corresponding to the partner to start the reconciliation process. First, it reads and parses the target reconciliation file and the second reconciliation file corresponding to the partner, extracting the reconciliation elements and their corresponding values ​​that belong to the element matching relationship. Then, it compares the reconciliation element values ​​of the same transaction record in the two reconciliation files according to the one-to-one correspondence of the transaction serial numbers, and records whether they are the same. At the same time, it 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. The reconciliation report includes records with mismatched reconciliation element values.

[0079] Optionally, when reconciliation is conducted through a partner, after obtaining the target reconciliation file, the target processing system sends the target reconciliation file and the corresponding target reconciliation code to the partner via FTP, SFTP, or API. The partner then performs reconciliation based on the target reconciliation file, the corresponding target reconciliation code, and the partner's reconciliation file. The process by which the partner reads the file and generates the reconciliation report is the same as the target processing system's reconciliation process, and will not be elaborated here.

[0080] It should be noted that by using the target processing system to perform reconciliation based on the reconciliation file and the target reconciliation code, automatic reconciliation is achieved, reducing the manual cost of reconciliation and the delay in data exchange and processing between the primary financial institution and the partner. By having the partner perform reconciliation 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 a guarantee for the risk control of financial institutions. By providing the aforementioned two reconciliation methods, the flexibility of reconciliation can also be effectively improved.

[0081] In one optional embodiment, during 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 can 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, the system can adjust the reconciliation file of the first financial institution according to 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 key reconciliation elements of all transaction records in the reconciliation files of the first financial institution and the second financial institution have the same element value, that is, no inconsistent records are found, then the first reconciliation result indicates that the reconciliation has passed; if the key reconciliation elements of transaction records in the reconciliation files of the first financial institution and the second financial institution have different element values, that is, inconsistent records are found, then the first reconciliation result indicates that the reconciliation has failed. Here, the key reconciliation elements are all reconciliation elements in the element matching relationship.

[0083] Optionally, when the reconciliation passes, it means that the transaction records of the first financial institution are correct. In this case, no adjustments are needed, and the reconciliation file of the first financial institution is directly identified as the target reconciliation file. Afterward, the target processing system will follow the reconciliation process, use the target reconciliation code generated for the partner, read the target reconciliation file and the partner's reconciliation file, and perform element matching and data comparison of the transaction records to verify whether the reconciliation files are consistent.

[0084] Optionally, if the reconciliation fails, it indicates that there is incorrect data in the reconciliation file of the first financial institution. In this case, the incorrect data in the reconciliation file of the first financial institution needs to be corrected. All the incorrect data in the reconciliation file of the first financial institution should be replaced 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 should be determined as the target reconciliation file for subsequent reconciliation processes. The unique serial number of the transaction record is used to identify the same transaction record in different reconciliation files.

[0085] In some embodiments, assuming that the reconciliation between the first financial institution and the second financial institution fails, and 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 inspection, it is found that the reconciliation element of the transaction amount (2345 yuan) in the transaction record in the reconciliation file of the first financial institution is different from the value (2345.6 yuan) in the reconciliation file of the second financial institution. Then, the former value is changed to 2345.6 yuan, and the modified reconciliation file of the first financial institution is determined as the target reconciliation file.

[0086] It should be noted that by directly designating the reconciliation file of the first financial institution that has passed reconciliation as the target reconciliation file, unnecessary adjustments and processing are avoided, improving reconciliation efficiency and reducing labor costs. By adjusting the reconciliation file of the first financial institution that has failed reconciliation based on the reconciliation file of the second financial institution, and designating the adjusted reconciliation file as the target reconciliation file, the accuracy and consistency of transaction records are ensured, reducing the possibility that the partner will receive incorrect or inconsistent transaction records, thereby improving the efficiency and accuracy of reconciliation.

[0087] In one optional embodiment, during the process of reconciling accounts 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 the first reconciliation result, the target processing system can preprocess the reconciliation file of the first financial institution to obtain the first reconciliation file. 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 the second reconciliation file; and reconciling accounts 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.

[0088] Optionally, preprocessing operations are performed on the reconciliation files of the first financial institution and the second financial institution respectively to obtain the first reconciliation file and the second reconciliation file. The preprocessed reconciliation files remove invalid data and convert the data into a format that is easy to compare.

[0089] Optional, Figure 4 This is a schematic diagram of the preprocessing of reconciliation documents according to the embodiments of this application, such as... Figure 4 As shown, in some embodiments, preprocessing may include: compliance checks, data filtering, data splitting, data deduplication, and data cleaning. Each preprocessing operation performs the following:

[0090] 1. Compliance Check: Check whether the reconciliation documents meet the format requirements, such as checking the file name, file size, total number of transactions, total amount, etc. Check whether the file name consists of legal characters, whether the file size exceeds or falls below the limit, and whether the total number of transactions and total amount are numbers, etc. Change any non-compliant attributes.

[0091] 2. Data filtering: Remove records that are not within the reconciliation period or do not need to participate in the reconciliation, and ensure that only transaction data within the current period is reconciled. The reconciliation is to compare transaction records within a certain time period to determine the reconciliation period.

[0092] 3. Data splitting: The reconciliation file is split according to business elements, and the transaction records of different businesses are formed into a separate reconciliation file, reducing the processing burden of individual files and supporting concurrent processing.

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

[0094] 5. Data Cleaning: Convert the data format of the reconciliation element values ​​of transaction records, unify the field content, and ensure the consistency of the reconciliation documents between the first financial institution and the second financial institution in terms of structure and content, so as to facilitate subsequent data comparison.

[0095] Optionally, the pre-processed reconciliation file can be used for reconciliation. 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. During reconciliation, the number of matching reconciliation elements in the two reconciliation files that are different in content is calculated. If the number of differences is 0, the first reconciliation result is determined to be a successful reconciliation; otherwise, the first reconciliation result is determined to be a failed reconciliation.

[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 to reconcile accounts, it first finds the transaction record representing the same transaction in the first reconciliation file and the second reconciliation file based on the unique serial number 20230816032. Then, when comparing 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 first reconciliation file shows "reversal," while the second reconciliation file shows "success." Therefore, the reconciliation element matching fails, and the first reconciliation result for this reconciliation is determined to be "reconciliation failed."

[0097] It should be noted that by preprocessing the reconciliation files, factors that may affect the accuracy of data comparison are reduced, improving the efficiency and accuracy of reconciliation. By determining the first reconciliation result based on the preprocessed reconciliation files and the target reconciliation code, it is easier to promptly detect inconsistent data in the reconciliation files, ensuring the accuracy of financial transactions, while also reducing the manual cost of reconciliation.

[0098] In one optional embodiment, after obtaining the first reconciliation result, the target processing system may, if the first reconciliation result indicates that the reconciliation has failed, calculate the error rate of the reconciliation file of the first financial institution relative to the reconciliation file of the second financial institution; if the error rate is greater than a preset value, generate a warning message, wherein the warning message indicates that there is an anomaly 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 discovered during the reconciliation process to the total number of transaction records. The formula for calculating the error rate is as follows:

[0100] Error rate = (Number of inconsistent transactions / Total number of transactions) * 100%

[0101] By calculating the error rate of the reconciliation documents from the first financial institution relative to those from the second financial institution, errors in the reconciliation documents can be monitored in real time for error handling.

[0102] Optionally, the monitoring center of the target processing system sets an error rate threshold, i.e., a preset value. 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 files of the first financial institution and / or the reconciliation files of the second financial institution, and that the abnormalities are serious. The system will promptly remind staff to correct the erroneous data. When the error rate is less than or equal to the preset value, the system will promptly correct the erroneous reconciliation element values.

[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 documents. Then, the target processing system will generate early warning information based on the monitoring and early warning strategy during the reconciliation process between the first financial institution and the partner. For the first financial institution, it can directly apply its own monitoring and early warning strategy to the target processing system after it has formulated it.

[0104] It should be noted that by automating the monitoring of error rates, the manual cost of reconciliation is reduced, and the inconsistencies in the data during the reconciliation process are quantitatively represented. This allows for a more intuitive understanding of the current reconciliation status, facilitating timely correction of erroneous data. By generating early warning information based on preset values, financial institutions can quickly identify and handle anomalies in the reconciliation process, improving reconciliation efficiency and reducing manual reconciliation costs.

[0105] In the embodiments of this application, a target reconciliation code is generated based on the reconciliation element matching relationship and a preset reconciliation code template for financial institution reconciliation. By determining the corresponding element matching relationship based on the reconciliation file of the first financial institution and the reconciliation files of different reconciliation objects, the accurate determination of matching reconciliation elements is achieved, ensuring that the information in the reconciliation file can be correctly identified and compared during reconciliation. By automatically determining the corresponding target reconciliation code based on the element matching relationship and the preset reconciliation code template, reconciliation is performed based on the target reconciliation code. This achieves rapid generation of the code required for reconciliation, reduces the manual cost of developing reconciliation code, and thus reduces the manual cost of reconciliation.

[0106] Therefore, the solution provided in this application achieves the goal of generating target reconciliation codes based on the matching relationship of reconciliation elements and the preset reconciliation code template for financial institution reconciliation, thereby reducing the technical effect of reconciliation labor costs. It also solves the problem of high labor costs in reconciliation caused by the reliance on developers to develop different reconciliation codes for different reconciliation objects in related technologies.

[0107] It should be noted that the steps shown in the flowchart in 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 may be executed in a different order than that shown here.

[0108] Example 2

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

[0110] According to an embodiment of this application, an apparatus for implementing the above-described reconciliation method is also provided, such as... Figure 5 As shown, the device includes:

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

[0112] The matching module 502 is used to 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. The matching reconciliation elements refer to the reconciliation elements that need to be compared during reconciliation.

[0113] The first processing module 503 is used to generate the target reconciliation code corresponding to each reconciliation object based on 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 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 newly generated reconciliation file of 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 embodiments. The four modules and the corresponding steps implement the same examples and application scenarios, but are not limited to the content disclosed in the above embodiment 1.

[0116] In the embodiments of this application, a target reconciliation code is generated based on the reconciliation element matching relationship and a preset reconciliation code template for financial institution reconciliation. By determining the corresponding element matching relationship based on the reconciliation file of the first financial institution and the reconciliation files of different reconciliation objects, the accurate determination of matching reconciliation elements is achieved, ensuring that the information in the reconciliation file can be correctly identified and compared during reconciliation. By automatically determining the corresponding target reconciliation code based on the element matching relationship and the preset reconciliation code template, reconciliation is performed based on the target reconciliation code. This achieves rapid generation of the code required for reconciliation, reduces the manual cost of developing reconciliation code, and thus reduces the manual cost of reconciliation.

[0117] Therefore, the solution provided in this application achieves the goal of generating target reconciliation codes based on the matching relationship of reconciliation elements and the preset reconciliation code template for financial institution reconciliation, thereby reducing the technical effect of reconciliation labor costs. It also solves the problem of high labor costs in reconciliation caused by the reliance on developers to develop different reconciliation codes for different reconciliation objects in related technologies.

[0118] Optionally, in the reconciliation device provided in this application embodiment, the second processing module further includes: an acquisition submodule, used to acquire 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 this application embodiment, the reconciliation device further includes: a determining module, used to determine a target reconciliation file based on the first reconciliation result and the reconciliation file of the first financial institution; and a reconciliation module, used to perform reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the partner's reconciliation file.

[0120] Optionally, in the reconciliation device provided in this application embodiment, the reconciliation module further includes: a first reconciliation submodule, 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 partner's reconciliation file through the target processing system; or, a second reconciliation submodule, used to 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 partner's reconciliation file.

[0121] Optionally, in the reconciliation device provided in this application embodiment, the determining module further includes: a first determining submodule, 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 has passed; and a second determining submodule, 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 has failed, and determine the adjusted reconciliation file of the first financial institution as the target reconciliation file.

[0122] Optionally, in the reconciliation device provided in this application embodiment, the acquisition submodule further includes: a first processing unit, used to preprocess 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 preprocess the reconciliation file of the second financial institution to obtain a second reconciliation file; and a reconciliation subunit, used to perform reconciliation 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 this application embodiment, the reconciliation device further includes: a statistics module, used to calculate 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; and 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 anomaly 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, matching module 502, first processing module 503, and second processing module 504 mentioned above correspond to steps S201 to S204 in the above embodiments. The examples and application scenarios implemented by the four modules and their corresponding steps are the same, but are not limited to the content disclosed in Embodiment 1. It should be noted that the above modules or units can be hardware or software components stored in memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n). The above modules can also be part of a device and can run in the computer terminal 10 provided in Embodiment 1.

[0125] Example 3

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

[0127] The memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the methods and apparatus in the embodiments of this application. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, thereby implementing the above-described methods. The memory may include high-speed random access memory, and may also include 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 memory remotely located relative to the processor, and these remote memories can be connected to the terminal via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0128] The processor can access information and applications stored in the memory via a transmission device to execute the following steps: Obtain a reconciliation file template from a first financial institution to obtain a first file template, and obtain reconciliation file templates for N reconciliation objects associated with the first financial institution to obtain N second file templates; receive a 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 elements refer to the reconciliation elements that need to be compared during reconciliation; generate a target reconciliation code corresponding to each reconciliation object based on the element matching relationship associated with the second file templates of each reconciliation object and a preset reconciliation code template; and, upon detecting a newly generated reconciliation file from the first financial institution, perform reconciliation between the first financial institution and the reconciliation objects 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 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 the 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 partner's reconciliation file.

[0131] The processor can also invoke information and applications stored in the memory via a transmission device to perform the following steps: obtain the reconciliation file of the partner, perform reconciliation based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the partner's reconciliation file 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 partner's reconciliation file.

[0132] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: if the first reconciliation result indicates that the reconciliation is successful, the reconciliation file of the first financial institution is determined as the target reconciliation file; if the first reconciliation result indicates that the reconciliation is unsuccessful, 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 invoke information and applications stored in the memory via a transmission device to perform the following steps: 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; and performing reconciliation 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: if the first reconciliation result indicates that the reconciliation has failed, calculate the error rate of the reconciliation file of the first financial institution relative to the reconciliation file of the second financial institution; if the error rate is greater than a preset value, generate a warning message, wherein the warning message indicates that there is an anomaly in the reconciliation file of the first financial institution and / or the reconciliation file of the second financial institution.

[0135] In the embodiments of this application, a target reconciliation code is generated based on the reconciliation element matching relationship and a preset reconciliation code template for financial institution reconciliation. By determining the corresponding element matching relationship based on the reconciliation file of the first financial institution and the reconciliation files of different reconciliation objects, the accurate determination of matching reconciliation elements is achieved, ensuring that the information in the reconciliation file can be correctly identified and compared during reconciliation. By automatically determining the corresponding target reconciliation code based on the element matching relationship and the preset reconciliation code template, reconciliation is performed based on the target reconciliation code. This achieves rapid generation of the code required for reconciliation, reduces the manual cost of developing reconciliation code, and thus reduces the manual cost of reconciliation.

[0136] Therefore, the solution provided in this application achieves the goal of generating target reconciliation codes based on the matching relationship of reconciliation elements and the preset reconciliation code template for financial institution reconciliation, thereby reducing the technical effect of reconciliation labor costs. It also solves the problem of high labor costs in reconciliation caused by the reliance on developers to develop different reconciliation codes for different reconciliation objects in related technologies.

[0137] Those skilled in the art will understand that Figure 6 The structure shown is for illustrative purposes only. Electronic devices can also be smartphones (such as Android phones, iOS phones, etc.), tablets, PDAs, mobile internet devices (MIDs), PADs, and other terminal devices. Figure 6 This does not limit the structure of the aforementioned electronic device. For example, electronic devices may also include components that are more... Figure 6 The more or fewer components shown (such as network interfaces, display devices, etc.), or having the same Figure 6 The different configurations shown.

[0138] Those skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be implemented by a program instructing the hardware related to the terminal device. The program can be stored in a computer-readable storage medium, which may include: flash drive, read-only memory (ROM), random access memory (RAM), disk or optical disk, etc.

[0139] Example 4

[0140] Embodiments of this application also provide 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 Embodiment 1.

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

[0142] This application also provides a computer program product that, when executed on a data processing device, is suitable for performing reconciliation method steps.

[0143] The sequence numbers of the embodiments in this application are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0144] In the above embodiments of this application, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions 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. The device embodiments described above are merely illustrative; for example, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be through some interfaces; the indirect coupling or communication connection of units or modules may be electrical or other forms.

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

[0147] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0148] If the integrated unit is implemented as 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 this application, in essence, 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. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, read-only memory (ROM), random access memory (RAM), portable hard drives, magnetic disks, or optical disks.

[0149] The above description is only a preferred embodiment of this application. It should be noted that for those skilled in the art, several improvements and modifications can be made without departing from the principle of this application, and these improvements and modifications should also be considered within the scope of protection of this application.

Claims

1. A reconciliation method, characterized in that, Applied to a target processing system, the method includes: Obtain the reconciliation document template of the first financial institution to obtain the first document template, and obtain the reconciliation document templates of N reconciliation objects associated with the first financial institution to obtain N second document 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. The matching reconciliation elements refer to the reconciliation elements that need to be compared during reconciliation. Based on the element matching relationship associated with the second file template of each reconciliation object and the preset reconciliation code template, generate the target reconciliation code corresponding to each reconciliation object; Upon detecting a newly generated reconciliation file from the first financial institution, reconciliation is performed between the first financial institution and the reconciliation object based on the target reconciliation code and the reconciliation file from the first financial institution. The reconciliation object includes a second financial institution. The first financial institution forwards transaction requests from its partners to the second financial institution, which is the transaction request executor. Reconciliation between the first financial institution and the reconciliation object is performed based on the target reconciliation code and the reconciliation file of the first financial institution, including: 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 the first reconciliation result; The reconciliation object also includes a partner, which is the party initiating the transaction request. After obtaining the first reconciliation result, the method further includes: Based on the first reconciliation result and the reconciliation document of the first financial institution, the target reconciliation document is determined; Reconciliation is performed based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the partner's reconciliation file, specifically including: Obtain the reconciliation file of the partner, and perform reconciliation through the target processing system based on the target reconciliation file, the target reconciliation code corresponding to the partner, and the partner's reconciliation file; or, The target reconciliation file and the target reconciliation code corresponding to the partner are sent to the partner. 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 partner's reconciliation file. Based on the first reconciliation result and the reconciliation documents from the first financial institution, the target reconciliation documents are determined, including: If the first reconciliation result indicates that the reconciliation has passed, the reconciliation document of the first financial institution shall be determined as the target reconciliation document; If the first reconciliation result indicates that the reconciliation has failed, the reconciliation document of the first financial institution is adjusted based on the reconciliation document of the second financial institution, and the adjusted reconciliation document of the first financial institution is determined as the target reconciliation document.

2. The method according to claim 1, characterized in that, Based on the reconciliation documents of the first financial institution, the target reconciliation code corresponding to the second financial institution, and the reconciliation documents of the second financial institution, a first reconciliation result is obtained, including: The reconciliation documents of the first financial institution are preprocessed to obtain a first reconciliation document, wherein the preprocessing includes at least one of the following: compliance check, data filtering, data splitting, data deduplication, and data cleaning; The preprocessing is performed on the reconciliation documents of the second financial institution to obtain the second reconciliation document; The first reconciliation result is obtained by reconciling the accounts based on the first reconciliation file, the target reconciliation code corresponding to the second financial institution, and the second reconciliation file.

3. The method according to claim 1, characterized in that, After obtaining the first reconciliation result, the method further includes: If the first reconciliation result indicates that the reconciliation has failed, the error rate of the reconciliation file of the first financial institution relative to the reconciliation file of the second financial institution is calculated. If the error rate exceeds a preset value, an early warning message is generated, wherein the early warning message indicates that there is an anomaly in the reconciliation file of the first financial institution and / or the reconciliation file of the second financial institution.

4. A reconciliation device, characterized in that, For executing the reconciliation method of claim 1, applied to a target processing system, the apparatus includes: The acquisition module is used to acquire the reconciliation file template of the first financial institution to obtain the first file template, and to acquire the reconciliation file templates of N reconciliation objects associated with the first financial institution to obtain N second file templates; The matching module is used to receive the user's reconciliation element matching instruction, and according to the reconciliation element matching instruction, match the reconciliation elements in the first file template with the reconciliation elements in the second file template to obtain the element matching relationship associated with each second file template. The matching reconciliation elements refer to the reconciliation elements that need to be compared during reconciliation. The first processing module is used to generate the target reconciliation code corresponding to each reconciliation object based on the element matching relationship associated with the second file template of each reconciliation object and the preset reconciliation code template. The second processing module 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 newly generated reconciliation file is detected by the first financial institution.

5. A computer-readable storage medium, characterized in that, The computer-readable storage medium includes a stored executable program, wherein, when the executable program is executed, it controls the device on which the computer-readable storage medium is located to perform the reconciliation method according to any one of claims 1 to 3.

6. An electronic device, characterized in that, include: Memory, which stores executable programs; A processor for running the program, wherein the program, when running, performs the reconciliation method according to any one of claims 1 to 3.

7. A computer program product comprising computer instructions, characterized in that, When the computer instructions are executed by the processor, they implement the steps of the reconciliation method according to any one of claims 1 to 3.

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