Multi-channel account checking method and device, processor, storage medium and program product

Abstract

The embodiment of the invention discloses a multi-channel account checking method and device, a processor, a storage medium and a program product, and belongs to the technical field of data verification. The multi-channel reconciliation method comprises the following steps: determining a plurality of reconciliation channels corresponding to a target account; generating a reconciliation statement of the target account according to a preset reconciliation frequency; in response to an account checking request of the first account checking channel, acquiring an account checking result based on the type of the first account checking channel; when the account checking result is an abnormal account checking result, responding to an account checking request of a second account checking channel, and based on the type of the second account checking channel, obtaining modification information of the account checking result; and updating the reconciliation result based on the modification information. According to the invention, the account can contract a plurality of reconciliation channels for reconciliation, and the user can switch the reconciliation channels in the reconciliation process, thereby avoiding the blocking of the reconciliation process caused by abnormal conditions that the user cannot log in the account of the reconciliation channels and the like, and further improving the reconciliation efficiency.

Description

Technical Field

[0001] The present application relates to the field of data verification technology, and in particular to a multi-channel reconciliation method, device, processor, storage medium and program product. Background Art

[0002] Bank-enterprise reconciliation refers to the process of verifying balance statements between banks and other financial institutions and corporate users to ensure that the financial data between banks and corporate users is consistent, thereby ensuring the safety of funds. Usually, reconciliation is required for each user based on a preset frequency, such as once a month or once a quarter. When reconciliation is required for a large number of users, it usually requires a lot of human and material resources to reconcile.

[0003] Banks and other financial institutions provide the generated statements to corporate users. If the corporate user determines that there is no abnormality in the statement, the reconciliation process can be completed directly. However, when there is an abnormality in the statement, the reconciliation process will be increased. For example, the corporate user needs to log in to the account on the electronic terminal and report the abnormality of the statement. In the case of an abnormality in the statement, the reconciliation process has completed some links. If the user cannot log in to the account, the reconciliation process will be hindered, resulting in low reconciliation efficiency. Summary of the invention

[0004] The purpose of the embodiments of the present application is to provide a multi-channel reconciliation method, device, processor, storage medium and program product.

[0005] In order to achieve the above-mentioned purpose, the first aspect of the present application provides a multi-channel reconciliation method, which includes:

[0006] Determine multiple reconciliation channels corresponding to the target account;

[0007] Generate reconciliation statements for target accounts based on the preset reconciliation frequency;

[0008] Based on the type of the first reconciliation channel, respond to the reconciliation request of the first reconciliation channel and obtain the reconciliation result, wherein the first reconciliation channel is any one of the multiple reconciliation channels;

[0009] In the case where the reconciliation result is an abnormal reconciliation result, based on the type of the second reconciliation channel, responding to the reconciliation request of the second reconciliation channel, obtaining modification information of the reconciliation result, wherein the second reconciliation channel is any one of the multiple reconciliation channels;

[0010] Update the reconciliation results based on the modified information.

[0011] In an embodiment of the present application, based on the type of the first reconciliation channel, responding to the reconciliation request of the first reconciliation channel and obtaining the reconciliation result includes:

[0012] In the case where the type of the first reconciliation channel is an electronic channel, responding to a reconciliation request of the first reconciliation channel, and determining whether the first reconciliation channel is a contracted reconciliation channel;

[0013] In the case where the first reconciliation channel is a contracted reconciliation channel, sending the reconciliation statement to a first terminal corresponding to the first reconciliation channel, and receiving the reconciliation result sent by the first terminal;

[0014] In the case where the reconciliation result is an abnormal reconciliation result, based on the type of the second reconciliation channel, responding to the reconciliation request of the second reconciliation channel, obtaining modification information of the reconciliation result, including:

[0015] If the reconciliation result is an abnormal reconciliation result and the type of the second reconciliation channel is an electronic channel, respond to the reconciliation request of the second reconciliation channel and determine whether the second reconciliation channel is a contracted reconciliation channel;

[0016] In the case that the second reconciliation channel is a contracted reconciliation channel, the reconciliation result is sent to a second terminal corresponding to the second reconciliation channel, and modification information of the reconciliation result sent by the second terminal is received.

[0017] In an embodiment of the present application, the multi-channel reconciliation method further includes:

[0018] In the case where the first reconciliation channel is an unsigned reconciliation channel, generating first prompt information, wherein the first prompt information is used to prompt that the first reconciliation channel is an unsigned reconciliation channel;

[0019] In the case that the second reconciliation channel is an unsigned reconciliation channel, second prompt information is generated, wherein the second prompt information is used to prompt that the second reconciliation channel is an unsigned reconciliation channel.

[0020] In an embodiment of the present application, based on the type of the first reconciliation channel, responding to the reconciliation request of the first reconciliation channel and obtaining the reconciliation result includes:

[0021] In the case where the type of the first reconciliation channel is a paper channel, responding to a reconciliation request of the first reconciliation channel, extracting paper document information corresponding to the first reconciliation channel, and obtaining a reconciliation result;

[0022] In the case where the reconciliation result is an abnormal reconciliation result, based on the type of the second reconciliation channel, responding to the reconciliation request of the second reconciliation channel, obtaining modification information of the reconciliation result, including:

[0023] When the reconciliation result is an abnormal reconciliation result and the type of the second reconciliation channel is a paper channel, respond to the reconciliation request of the second reconciliation channel, extract paper document information corresponding to the second reconciliation channel, and obtain modification information of the reconciliation result.

[0024] In an embodiment of the present application, generating a statement of account for a target account according to a preset reconciliation frequency includes:

[0025] Generate a reconciliation statement for the target account based on the preset reconciliation frequency, preset reconciliation rules, and preset reconciliation parameters.

[0026] In an embodiment of the present application, updating the reconciliation result based on the modification information includes:

[0027] Verify the modified information and obtain the verification result;

[0028] If the verification result is passed, the reconciliation result is updated based on the modification information.

[0029] A second aspect of the present application provides a multi-channel reconciliation device, the multi-channel reconciliation device comprising:

[0030] A reconciliation channel determination module is used to determine multiple reconciliation channels corresponding to a target account;

[0031] A statement generation module, used to generate a statement of account for a target account according to a preset reconciliation frequency;

[0032] A reconciliation result acquisition module, configured to respond to a reconciliation request of the first reconciliation channel based on the type of the first reconciliation channel and acquire a reconciliation result, wherein the first reconciliation channel is any one of the multiple reconciliation channels;

[0033] a modification information acquisition module, configured to, when the reconciliation result is an abnormal reconciliation result, respond to the reconciliation request of the second reconciliation channel based on the type of the second reconciliation channel, and acquire modification information of the reconciliation result, wherein the second reconciliation channel is any one of the multiple reconciliation channels;

[0034] The reconciliation result update module is used to update the reconciliation result based on the modification information.

[0035] A third aspect of the present application provides a processor configured to execute the above-mentioned multi-channel reconciliation method.

[0036] A fourth aspect of the present application provides a machine-readable storage medium having instructions stored thereon, which, when executed by a processor, configure the processor to execute the multi-channel reconciliation method described above.

[0037] A fifth aspect of the present application provides a computer program product, including a computer program, which implements the above-mentioned multi-channel reconciliation method when executed by a processor.

[0038] The present application provides a multi-channel reconciliation method, including: determining multiple reconciliation channels corresponding to a target account; generating a reconciliation statement for the target account according to a preset reconciliation frequency; responding to a reconciliation request of the first reconciliation channel based on the type of the first reconciliation channel to obtain a reconciliation result; in the case where the reconciliation result is an abnormal reconciliation result, responding to a reconciliation request of the second reconciliation channel based on the type of the second reconciliation channel to obtain modification information of the reconciliation result; and updating the reconciliation result based on the modification information. An account can sign up for multiple reconciliation channels for reconciliation, and the user can switch reconciliation channels during the reconciliation process, thereby avoiding the obstruction of the reconciliation process caused by abnormal situations such as the user being unable to log in to the reconciliation channel account, thereby improving the reconciliation efficiency.

[0039] Other features and advantages of the embodiments of the present application will be described in detail in the subsequent specific implementation section. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] The accompanying drawings are used to provide a further understanding of the embodiments of the present application and constitute a part of the specification. Together with the following specific implementations, they are used to explain the embodiments of the present application, but do not constitute a limitation on the embodiments of the present application. In the accompanying drawings:

[0041] Figure 1 A schematic diagram of an application environment of a multi-channel reconciliation method according to an embodiment of the present application is schematically shown;

[0042] Figure 2 The flowchart of the multi-channel reconciliation method according to the embodiment of the present application is schematically shown;

[0043] Figure 3 The structure block diagram of the multi-channel reconciliation device according to the embodiment of the present application is schematically shown;

[0044] Figure 4 The internal structure diagram of a computer device according to an embodiment of the present application is schematically shown. DETAILED DESCRIPTION

[0045] In order to make the purpose, technical scheme and advantages of the embodiments of the present application clearer, the technical scheme 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. It should be understood that the specific implementation methods described herein are only used to illustrate and explain the embodiments of the present application, and are not used to limit the embodiments of the present application. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of this application.

[0046] It should be noted that if directional indication is involved in the embodiments of the present application, the directional indication is only used to explain the relative position relationship, movement status, etc. between the components in a certain specific posture. If the specific posture changes, the directional indication will also change accordingly.

[0047] In addition, if there are descriptions involving "first", "second", etc. in the embodiments of the present application, the descriptions of "first", "second", etc. are only used for descriptive purposes and cannot be understood as indicating or suggesting their relative importance or implicitly indicating the number of technical features indicated. Therefore, the features defined as "first" and "second" may explicitly or implicitly include at least one of the features. In addition, the technical solutions between the various embodiments can be combined with each other, but they must be based on the ability of ordinary technicians in the field to implement them. When the combination of technical solutions is contradictory or cannot be implemented, it should be deemed that such combination of technical solutions does not exist and is not within the scope of protection required by this application.

[0048] The acquisition, transmission, storage, use, and processing of data in the technical solution of this application are in compliance with the relevant provisions of national laws and regulations. In addition, it should be noted that in the embodiments of this application, some existing solutions in the industry such as certain software, components, and models may be mentioned, which should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of this application, but it does not mean that the applicant has or will necessarily use the solution.

[0049] The multi-channel reconciliation method provided in this application can be applied to Figure 1 In the application environment shown. The terminal 102 communicates with the server 104 through the network. The server 104 is used to receive the reconciliation result sent by the terminal 102. The server 104 is also used to receive the modification information sent by the terminal 102, and then update the reconciliation result based on the modification information. The terminal 102 can be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, and portable wearable devices. The server 104 can be implemented by an independent server or a server cluster composed of multiple servers.

[0050] Example 1

[0051] See also Figure 2 , Figure 2 The flowchart of the multi-channel reconciliation method according to the embodiment of the present application is schematically shown. Figure 2 As shown, in one embodiment of the present application, a multi-channel reconciliation method is provided. This embodiment mainly applies the method to the above Figure 1 Taking the server 120 in FIG. 1 as an example, the following steps are included:

[0052] S210, determining multiple reconciliation channels corresponding to the target account;

[0053] Usually, reconciliation channels include electronic channels such as online banking, mobile banking, and self-service devices. When there is an abnormality in the statement, the links involved in the reconciliation process will be increased. For example, when the reconciliation channel is online banking, the abnormality of the statement will be fed back through the online banking. In order to avoid interruption of the reconciliation process, it is usually required that the user's account only open one reconciliation channel to complete all reconciliation processes, and switching of reconciliation channels during the reconciliation process is not allowed. In the case of an abnormality in the statement, the reconciliation process has completed some links. If the user cannot log in to the account, the reconciliation process will be hindered, resulting in low reconciliation efficiency. In this embodiment, the user's account can sign contracts for all reconciliation channels, determine multiple reconciliation channels corresponding to the target account, and then determine the reconciliation channels that the user can select in the reconciliation process.

[0054] S220, generating a reconciliation statement for the target account according to a preset reconciliation frequency.

[0055] The preset reconciliation frequency is set according to actual needs. It can be reconciliation at the end of each month, at the end of each quarter, or annually, etc., and there is no limitation here. The target account is the account that needs to be reconciled. According to the preset reconciliation frequency, the reconciliation statement of the target account is generated. The enterprise's users and financial institutions such as banks verify whether there are any abnormalities in the reconciliation statement to ensure that the financial data between the bank and the user is consistent, thereby ensuring the safety of funds.

[0056] In an embodiment of the present application, generating a statement of account for a target account includes:

[0057] Generate a reconciliation statement for the target account based on the preset reconciliation frequency, preset reconciliation rules, and preset reconciliation parameters.

[0058] The preset reconciliation rules are set according to actual needs, which can be prepayment reconciliation, loan reconciliation, refund reconciliation and installment reconciliation, etc., which are not limited here. The preset reconciliation parameters can also be based on actual needs, which can be accounts receivable turnover rate, income growth rate and repayment ability ratio, etc., which are not limited here. Determine the preset reconciliation frequency, preset reconciliation rules and preset reconciliation parameters in advance according to the needs of the reconciliation process. Based on the preset reconciliation frequency, preset reconciliation rules and preset reconciliation parameters, the target account statement can be generated according to the actual reconciliation process needs between the user and the bank.

[0059] S230, based on the type of the first reconciliation channel, respond to the reconciliation request of the first reconciliation channel and obtain a reconciliation result, wherein the first reconciliation channel is any one of the multiple reconciliation channels.

[0060] In the server of this embodiment, which is applied to a bank or other financial institution, when reconciliation is required, the user determines the first reconciliation channel for reconciliation, wherein the first reconciliation channel is any one of multiple reconciliation channels. The server responds to the reconciliation request of the first reconciliation channel, i.e., determines to perform reconciliation through the first reconciliation channel. The user obtains the reconciliation statement of the target account through the first reconciliation channel, and determines whether there is reconciliation discrepancy information in the reconciliation statement, and then generates a reconciliation result. In the case where there is reconciliation discrepancy information in the statement, the reconciliation result generated is an abnormal reconciliation result. In the case where there is no reconciliation discrepancy information in the statement, the reconciliation result generated is a normal reconciliation result. In response to the reconciliation request of the first reconciliation channel, the reconciliation result is obtained based on the type of the first reconciliation channel.

[0061] S240, when the reconciliation result is an abnormal reconciliation result, respond to the reconciliation request of the second reconciliation channel based on the type of the second reconciliation channel, and obtain modification information of the reconciliation result, wherein the second reconciliation channel is any one of the multiple reconciliation channels.

[0062] In the case where the reconciliation result is an abnormal reconciliation result, the user determines a second reconciliation channel for reconciliation, wherein the second reconciliation channel is any one of the multiple reconciliation channels. The server responds to the received reconciliation result modification request, i.e., determines to perform reconciliation through the second reconciliation channel. The user sends modification information of the reconciliation result through the second reconciliation channel, so that the server obtains the modification information of the reconciliation result based on the type of the second reconciliation channel.

[0063] It should be understood that the first reconciliation channel and the second reconciliation channel can be the same reconciliation channel or different reconciliation channels. In the case where the first reconciliation channel and the second reconciliation channel are the same reconciliation channel, it is determined that the user has not changed the reconciliation channel during the reconciliation process. In the case where the first reconciliation channel and the second reconciliation channel are different reconciliation channels, it is determined that the user has changed the reconciliation channel during the reconciliation process.

[0064] S250, updating the reconciliation result based on the modification information.

[0065] Based on the modified information, the reconciliation results are updated, and the server enters the updated reconciliation results to complete the reconciliation process. An account can sign up for multiple reconciliation channels, and users can switch reconciliation channels during the reconciliation process, avoiding the obstruction of the reconciliation process caused by the user being unable to log in to the account, thereby improving the reconciliation efficiency.

[0066] In an embodiment of the present application, based on the type of the first reconciliation channel, responding to the reconciliation request of the first reconciliation channel and obtaining the reconciliation result includes:

[0067] In the case where the type of the first reconciliation channel is an electronic channel, responding to a reconciliation request of the first reconciliation channel, and determining whether the first reconciliation channel is a contracted reconciliation channel;

[0068] In the case where the first reconciliation channel is a contracted reconciliation channel, sending the reconciliation statement to a first terminal corresponding to the first reconciliation channel, and receiving the reconciliation result sent by the first terminal;

[0069] In the case where the reconciliation result is an abnormal reconciliation result, based on the type of the second reconciliation channel, responding to the reconciliation request of the second reconciliation channel, obtaining modification information of the reconciliation result, including:

[0070] If the reconciliation result is an abnormal reconciliation result and the type of the second reconciliation channel is an electronic channel, respond to the reconciliation request of the second reconciliation channel and determine whether the second reconciliation channel is a contracted reconciliation channel;

[0071] In the case that the second reconciliation channel is a contracted reconciliation channel, the reconciliation result is sent to a second terminal corresponding to the second reconciliation channel, and modification information of the reconciliation result sent by the second terminal is received.

[0072] In the case of the first reconciliation statement, the user logs in to the target account through the first terminal corresponding to the first reconciliation channel. The server responds to the reconciliation request of the first reconciliation channel, determines whether the first reconciliation channel is an electronic channel, and if the first reconciliation channel is an electronic channel, determines whether the first reconciliation channel is a reconciliation channel that the target account has signed. In the case that the first reconciliation channel is a reconciliation channel that has been signed, the server directly sends the reconciliation statement to the first terminal corresponding to the first reconciliation channel. The user reconciles the reconciliation statement received through the first terminal to generate a reconciliation result, and sends the reconciliation result to the server through the first terminal, so that the server receives the reconciliation result sent by the first terminal. In the case that the first reconciliation channel is an electronic channel, the server can directly send the reconciliation statement and receive the reconciliation result.

[0073] In the case where the reconciliation result of the first reconciliation is an abnormal reconciliation result, the user logs in to the target account through the second terminal corresponding to the second reconciliation channel. The server responds to the reconciliation request of the second reconciliation channel, determines whether the second reconciliation channel is an electronic channel, and determines whether the second reconciliation channel is a signed reconciliation channel when the second reconciliation channel is an electronic channel. In the case where the second reconciliation channel is a signed reconciliation channel, the user sends modification information through the second reconciliation channel, and the server directly receives the modification information to modify the abnormal reconciliation result. In the case where the second reconciliation channel is an electronic channel, the server can directly send the reconciliation result and receive the modification information of the reconciliation result. It should be understood that the types of the first terminal and the second terminal are set according to actual needs, and can be user terminals such as mobile phones and personal computers, which are not limited here. In addition, the first terminal and the second terminal can be the same user terminal or different user terminals. In the case where the first terminal and the second terminal are the same user terminals, the first reconciliation channel and the second reconciliation channel can also be different reconciliation channels. For ease of understanding, in the embodiment of the present application, the first terminal and the second terminal are both mobile phones, the first reconciliation channel is an online bank, and the second electronic channel is a mobile bank.

[0074] In an embodiment of the present application, the multi-channel reconciliation method further includes:

[0075] In the case where the first reconciliation channel is an unsigned reconciliation channel, generating first prompt information, wherein the first prompt information is used to prompt that the first reconciliation channel is an unsigned reconciliation channel;

[0076] In the case that the second reconciliation channel is an unsigned reconciliation channel, second prompt information is generated, wherein the second prompt information is used to prompt that the second reconciliation channel is an unsigned reconciliation channel.

[0077] When the user requests to perform the first reconciliation through the first reconciliation channel, the server determines whether the first reconciliation channel is a signed reconciliation channel. If the first reconciliation channel is an unsigned reconciliation channel, a first prompt message is generated. The first prompt message is used to prompt that the first reconciliation channel is an unsigned reconciliation channel, so as to prompt the user to request the signed reconciliation channel for reconciliation.

[0078] When the user requests to modify the reconciliation result through the second reconciliation channel, the server determines whether the second reconciliation channel is a contracted reconciliation channel. If the second reconciliation channel is an uncontracted reconciliation channel, a second prompt message is generated, and the second prompt message is used to prompt that the second reconciliation channel is an uncontracted reconciliation channel, so as to prompt the user to request the contracted reconciliation channel for reconciliation. If the reconciliation channel is an uncontracted reconciliation channel, the user is prompted that the reconciliation channel is an uncontracted reconciliation channel through the first prompt message and the second prompt message, so as to avoid obstruction of the reconciliation process and thereby improve the reconciliation efficiency.

[0079] In an embodiment of the present application, based on the type of the first reconciliation channel, responding to the reconciliation request of the first reconciliation channel and obtaining the reconciliation result includes:

[0080] In the case where the type of the first reconciliation channel is a paper channel, responding to a reconciliation request of the first reconciliation channel, extracting paper document information corresponding to the first reconciliation channel, and obtaining a reconciliation result;

[0081] In the case where the reconciliation result is an abnormal reconciliation result, based on the type of the second reconciliation channel, responding to the reconciliation request of the second reconciliation channel, obtaining modification information of the reconciliation result, including:

[0082] When the reconciliation result is an abnormal reconciliation result and the type of the second reconciliation channel is a paper channel, respond to the reconciliation request of the second reconciliation channel, extract paper document information corresponding to the second reconciliation channel, and obtain modification information of the reconciliation result.

[0083] In actual reconciliation scenarios, there are situations where it is inconvenient for users to reconcile through electronic channels, so users will use paper channels for reconciliation. When the user requests the first reconciliation channel to sign back for the first time, the server determines whether the first reconciliation channel is a paper channel. In the case where the first reconciliation channel is a paper channel, a paper document of the reconciliation statement is printed. It should be understood that in the case where the first reconciliation channel and the second reconciliation channel are paper channels, it can also be determined whether the first reconciliation channel and the second reconciliation channel are contracted reconciliation channels.

[0084] In the case where the first reconciliation channel is a contracted reconciliation channel, the paper document of the reconciliation statement is delivered to the user's designated location according to the delivery method selected by the contracted reconciliation channel. The user verifies the reconciliation statement according to the paper document and fills in the reconciliation result in the paper document. The paper document is delivered to the bank's designated location according to the selected delivery method. The server responds to the reconciliation request of the first reconciliation channel, extracts the paper document information corresponding to the first reconciliation channel, and obtains the reconciliation result.

[0085] When the reconciliation result is an abnormal reconciliation result and the type of the second reconciliation channel is a paper channel, the user fills in the modification information of the reconciliation result into the paper document. The server responds to the reconciliation request of the second reconciliation channel, extracts the paper document information corresponding to the second reconciliation channel, and obtains the modification information of the reconciliation result. It should be understood that in the actual reconciliation scenario, the user can fill in the modification information and the reconciliation result into the paper document together, or fill in the modification information into one paper document and the reconciliation result into another paper document, which will not be elaborated here. In addition, when the type of the first reconciliation channel is a paper channel, the type of the second reconciliation channel can be an electronic channel or a paper channel. When the type of the first reconciliation channel is an electronic channel, the type of the second reconciliation channel can be an electronic channel or a paper channel.

[0086] When extracting paper document information, you can scan the paper document through a scanning device to obtain the paper document information, or the staff can input the extracted paper document information through a human-computer interaction device. In the reconciliation process, users can reconcile through paper channels as needed to avoid information leakage and thus improve the security of the reconciliation process.

[0087] In an embodiment of the present application, updating the reconciliation result based on the modification information includes:

[0088] Verify the modified information and obtain the verification result;

[0089] If the verification result is passed, the reconciliation result is updated based on the modification information.

[0090] The modification information is verified to obtain a verification result. The modification information is set according to actual needs and is not limited here. For ease of understanding, the modification information in the embodiment of the present application is to modify the balance value in the statement. Based on the value of the statement and the actual balance of the account, the modification information is verified to obtain a verification result. In the case where the verification result is that the verification fails, the user is prompted to resend the modification information through the second terminal until the verification result is that the verification passes. In the case where the verification result is that the verification passes, the reconciliation result is updated based on the modification information to ensure that the financial data between the bank and the corporate user is consistent, thereby ensuring the safety of funds.

[0091] The present application provides a multi-channel reconciliation method, including: determining multiple reconciliation channels corresponding to a target account; generating a reconciliation statement for the target account according to a preset reconciliation frequency; responding to a reconciliation request from a first reconciliation channel, and obtaining a reconciliation result based on the type of the first reconciliation channel; in the case where the reconciliation result is an abnormal reconciliation result, responding to a reconciliation request from a second reconciliation channel, and obtaining modification information of the reconciliation result based on the type of the second reconciliation channel; and updating the reconciliation result based on the modification information. An account can sign up for multiple reconciliation channels for reconciliation, and the user can switch reconciliation channels during the reconciliation process, thereby avoiding the obstruction of the reconciliation process caused by abnormal situations such as the user being unable to log in to the reconciliation channel account, thereby improving the reconciliation efficiency.

[0092] Figure 2 FIG. 1 is a flow chart of a multi-channel reconciliation method in one embodiment. It should be understood that although Figure 2 The steps in the flowchart are shown in sequence as indicated by the arrows, but these steps are not necessarily executed in the order indicated by the arrows. Unless otherwise specified in this document, there is no strict order restriction for the execution of these steps, and these steps can be executed in other orders. Moreover, Figure 2At least part of the steps may include multiple sub-steps or multiple stages. These sub-steps or stages are not necessarily executed at the same time, but can be executed at different times. The execution order of these sub-steps or stages is not necessarily sequential, but can be executed in turn or alternately with other steps or at least part of the sub-steps or stages of other steps.

[0093] Example 2

[0094] See also Figure 3 , Figure 3 The structure block diagram of the multi-channel reconciliation device according to an embodiment of the present application is schematically shown. Figure 3 The multi-channel reconciliation device 300 includes a reconciliation channel determination module 310, a reconciliation statement generation module 320, a reconciliation result acquisition module 330, a modification information acquisition module 340 and a reconciliation result update module 350, wherein:

[0095] A reconciliation channel determination module 310 is used to determine multiple reconciliation channels corresponding to a target account;

[0096] A statement generation module 320, for generating a statement of the target account according to a preset reconciliation frequency;

[0097] A reconciliation result acquisition module 330, configured to respond to a reconciliation request of a first reconciliation channel based on the type of the first reconciliation channel and acquire a reconciliation result, wherein the first reconciliation channel is any one of the multiple reconciliation channels;

[0098] A modification information acquisition module 340 is used to, when the reconciliation result is an abnormal reconciliation result, respond to the reconciliation request of the second reconciliation channel based on the type of the second reconciliation channel, and acquire modification information of the reconciliation result, wherein the second reconciliation channel is any one of the multiple reconciliation channels;

[0099] The reconciliation result updating module 350 is used to update the reconciliation result based on the modification information.

[0100] In the embodiment of the present application, the reconciliation result acquisition module 330 includes:

[0101] A first reconciliation channel contract determination submodule, for responding to a reconciliation request of the first reconciliation channel and determining whether the first reconciliation channel is a signed reconciliation channel when the type of the first reconciliation channel is an electronic channel;

[0102] A reconciliation result receiving submodule, used for sending the reconciliation statement to the first terminal corresponding to the first reconciliation channel and receiving the reconciliation result sent by the first terminal when the first reconciliation channel is a contracted reconciliation channel;

[0103] The modification information acquisition module 340 includes:

[0104] A second reconciliation channel contract determination submodule, for responding to a reconciliation request of the second reconciliation channel and determining whether the second reconciliation channel is a contracted reconciliation channel when the reconciliation result is an abnormal reconciliation result and the type of the second reconciliation channel is an electronic channel;

[0105] The modification information receiving module is used to send the reconciliation result to the second terminal corresponding to the second reconciliation channel when the second reconciliation channel is a signed reconciliation channel, and receive the modification information of the reconciliation result sent by the second terminal.

[0106] In an embodiment of the present application, the multi-channel reconciliation device 300 further includes:

[0107] A first prompt information generating module, used for generating first prompt information when the first reconciliation channel is an unsigned reconciliation channel, wherein the first prompt information is used for prompting that the first reconciliation channel is an unsigned reconciliation channel;

[0108] The second prompt information generating module is used to generate second prompt information when the second reconciliation channel is an unsigned reconciliation channel, wherein the second prompt information is used to prompt that the second reconciliation channel is an unsigned reconciliation channel.

[0109] In the embodiment of the present application, the reconciliation result acquisition module 330 includes:

[0110] In the case where the type of the first reconciliation channel is a paper channel, responding to a reconciliation request of the first reconciliation channel, extracting paper document information corresponding to the first reconciliation channel, and obtaining a reconciliation result;

[0111] The modification information acquisition module 340 includes:

[0112] When the reconciliation result is an abnormal reconciliation result and the type of the second reconciliation channel is a paper channel, respond to the reconciliation request of the second reconciliation channel, extract paper document information corresponding to the second reconciliation channel, and obtain modification information of the reconciliation result.

[0113] In an embodiment of the present application, the statement generation module 320 includes:

[0114] Generate a reconciliation statement for the target account based on the preset reconciliation frequency, preset reconciliation rules, and preset reconciliation parameters.

[0115] In an embodiment of the present application, the reconciliation result updating module 350 includes:

[0116] Verify the modified information and obtain the verification result;

[0117] If the verification result is passed, the reconciliation result is updated based on the modification information.

[0118] The embodiment of the present application also provides a processor configured to execute the above-mentioned multi-channel reconciliation method.

[0119] The multi-channel reconciliation device 300 includes a processor and a memory. The above-mentioned reconciliation channel determination module 310, reconciliation statement generation module 320, reconciliation result acquisition module 330, modification information acquisition module 340 and reconciliation result update module 350 are all stored in the memory as program units, and the processor executes the above-mentioned program modules stored in the memory to implement corresponding functions.

[0120] The processor includes a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be set, and the above multi-channel reconciliation method can be implemented by adjusting kernel parameters.

[0121] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0122] See also Figure 4 , Figure 4 The internal structure diagram of a computer device according to an embodiment of the present application is schematically shown.

[0123] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 4 As shown. The computer device includes a processor A01, a network interface A02, a memory (not shown in the figure) and a database (not shown in the figure) connected via a system bus. Among them, the processor A01 of the computer device is used to provide computing and control capabilities. The memory of the computer device includes an internal memory A03 and a non-volatile storage medium A04. The non-volatile storage medium A04 stores an operating system B01, a computer program B02 and a database (not shown in the figure). The internal memory A03 provides an environment for the operation of the operating system B01 and the computer program B02 in the non-volatile storage medium A04. The database of the computer device is used to store data. The network interface A02 of the computer device is used to communicate with an external terminal through a network connection. When the computer program B02 is executed by the processor A01, a multi-channel reconciliation method is implemented.

[0124] Those skilled in the art will understand that Figure 4 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0125] An embodiment of the present application also provides a machine-readable storage medium, on which instructions are stored. When the instructions are executed by a processor, the processor is configured to execute the above-mentioned multi-channel reconciliation method.

[0126] In one embodiment, the multi-channel reconciliation device 300 provided in the present application can be implemented in the form of a machine-readable storage medium, and the machine-readable storage medium can be stored in a computer program product such as a computer program product. Figure 4 The computer device shown in the figure is run. The memory of the computer device can store various program modules constituting the multi-channel reconciliation device 300, for example, Figure 3 The reconciliation channel determination module 310, the reconciliation statement generation module 320, the reconciliation result acquisition module 330, the modification information acquisition module 340 and the reconciliation result update module 350 are shown. The computer program composed of each program module enables the processor to execute the steps of the multi-channel reconciliation method of each embodiment of the present application described in this specification.

[0127] An embodiment of the present application also provides a computer program product, including a computer program, which implements the above-mentioned multi-channel reconciliation method when executed by a processor.

[0128] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0129] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0130] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0131] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0132] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0133] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0134] Computer readable media include permanent and non-permanent, removable and non-removable media, and can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0135] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0136] The above are only embodiments of the present application and are not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included within the scope of the claims of the present application.

Claims

1. A multi-channel reconciliation method, characterized in that: The multi-channel reconciliation method includes: Determine multiple reconciliation channels corresponding to the target account; Generate reconciliation statements for target accounts based on the preset reconciliation frequency; Responding to a reconciliation request of the first reconciliation channel based on a type of the first reconciliation channel to obtain a reconciliation result, wherein the first reconciliation channel is any one of the multiple reconciliation channels; In the case where the reconciliation result is an abnormal reconciliation result, based on the type of a second reconciliation channel, responding to a reconciliation request of the second reconciliation channel, obtaining modification information of the reconciliation result, wherein the second reconciliation channel is any one of the multiple reconciliation channels; Based on the modification information, the reconciliation result is updated.

2. The multi-channel reconciliation method according to claim 1, characterized in that: The step of responding to the reconciliation request of the first reconciliation channel based on the type of the first reconciliation channel and obtaining the reconciliation result includes: In the case where the type of the first reconciliation channel is an electronic channel, responding to a reconciliation request of the first reconciliation channel, and determining whether the first reconciliation channel is a contracted reconciliation channel; In the case where the first reconciliation channel is a contracted reconciliation channel, sending the reconciliation statement to a first terminal corresponding to the first reconciliation channel, and receiving a reconciliation result sent by the first terminal; When the reconciliation result is an abnormal reconciliation result, based on the type of the second reconciliation channel, responding to the reconciliation request of the second reconciliation channel, and obtaining modification information of the reconciliation result includes: If the reconciliation result is an abnormal reconciliation result and the type of the second reconciliation channel is an electronic channel, responding to a reconciliation request of the second reconciliation channel, and determining whether the second reconciliation channel is a contracted reconciliation channel; In the case that the second reconciliation channel is a contracted reconciliation channel, the reconciliation result is sent to a second terminal corresponding to the second reconciliation channel, and modification information of the reconciliation result sent by the second terminal is received.

3. The multi-channel reconciliation method according to claim 2, characterized in that: The multi-channel reconciliation method further includes: In the case where the first reconciliation channel is an unsigned reconciliation channel, generating first prompt information, wherein the first prompt information is used to prompt that the first reconciliation channel is an unsigned reconciliation channel; In the case that the second reconciliation channel is an unsigned reconciliation channel, second prompt information is generated, wherein the second prompt information is used to prompt that the second reconciliation channel is an unsigned reconciliation channel.

4. The multi-channel reconciliation method according to claim 1, characterized in that: The step of responding to the reconciliation request of the first reconciliation channel based on the type of the first reconciliation channel and obtaining the reconciliation result includes: In the case where the type of the first reconciliation channel is a paper channel, responding to a reconciliation request of the first reconciliation channel, extracting paper document information corresponding to the first reconciliation channel, and obtaining a reconciliation result; When the reconciliation result is an abnormal reconciliation result, based on the type of the second reconciliation channel, responding to the reconciliation request of the second reconciliation channel, and obtaining modification information of the reconciliation result includes: When the reconciliation result is an abnormal reconciliation result and the type of the second reconciliation channel is a paper channel, respond to the reconciliation request of the second reconciliation channel, extract the paper document information corresponding to the second reconciliation channel, and obtain modification information of the reconciliation result.

5. The multi-channel reconciliation method according to claim 1, characterized in that: The generating of the target account reconciliation statement according to the preset reconciliation frequency includes: Generate a reconciliation statement for the target account based on the preset reconciliation frequency, preset reconciliation rules, and preset reconciliation parameters.

6. The multi-channel reconciliation method according to claim 1, characterized in that: The updating of the reconciliation result based on the modification information includes: Verifying the modification information to obtain a verification result; When the verification result is passed, the reconciliation result is updated based on the modification information.

7. A multi-channel reconciliation device, characterized in that: The multi-channel reconciliation device comprises: A reconciliation channel determination module is used to determine multiple reconciliation channels corresponding to a target account; A statement generation module, used to generate a statement of account for a target account according to a preset reconciliation frequency; a reconciliation result acquisition module, configured to respond to a reconciliation request of a first reconciliation channel based on a type of the first reconciliation channel and acquire a reconciliation result, wherein the first reconciliation channel is any one of the multiple reconciliation channels; a modification information acquisition module, configured to, when the reconciliation result is an abnormal reconciliation result, respond to a reconciliation request of a second reconciliation channel based on a type of the second reconciliation channel, and acquire modification information of the reconciliation result, wherein the second reconciliation channel is any one of the multiple reconciliation channels; A reconciliation result updating module is used to update the reconciliation result based on the modification information.

8. A processor, characterized in that: The method is configured to execute the multi-channel reconciliation method according to any one of claims 1 to 6.

9. A machine-readable storage medium having instructions stored thereon, characterized in that: When the instruction is executed by a processor, the processor is configured to execute the multi-channel reconciliation method according to any one of claims 1 to 6.

10. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the computer program implements the multi-channel reconciliation method according to any one of claims 1 to 6.

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