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

Abstract

This application discloses a multi-channel reconciliation method, apparatus, processor, storage medium, and program product, belonging to the field of data verification technology. The multi-channel reconciliation method includes: 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; if the reconciliation result is an abnormal 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 subscribe to multiple reconciliation channels for reconciliation, and users can switch between reconciliation channels during the reconciliation process, avoiding disruptions to the reconciliation process caused by abnormal situations such as users being unable to log in to their reconciliation channel accounts, thereby improving reconciliation efficiency.

Description

Technical Field

[0001] This application relates to the field of data verification technology, specifically to a multi-channel reconciliation method, apparatus, processor, storage medium, and program product. Background Technology

[0002] Bank-enterprise reconciliation refers to the process by which banks and other financial institutions verify balance statements with their corporate clients to ensure consistency in financial data and thus guarantee fund security. Reconciliation typically needs to be performed for each client at a preset frequency, such as monthly or quarterly. When reconciling a large number of clients, it usually requires significant human and material resources.

[0003] Banks and other financial institutions provide bank statements to corporate users. If the corporate user confirms that the statement is error-free, the reconciliation process can be completed directly. However, when anomalies are found in the statement, the reconciliation process is complicated. For example, the corporate user may need to log into their account on a mobile device and report the anomaly. If the reconciliation process is partially completed due to anomalies, and the user is unable to log in, the reconciliation process will be hindered, leading to inefficiency. Summary of the Invention

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

[0005] To achieve the above objectives, the first aspect of this application provides a multi-channel reconciliation method, which includes:

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

[0007] Generate account statements for the target account 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 can be any one of multiple reconciliation channels;

[0009] If the reconciliation result is abnormal, based on the type of the second reconciliation channel, respond to the reconciliation request of the second reconciliation channel and obtain the modification information of the reconciliation result. The second reconciliation channel can be any one of multiple reconciliation channels.

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

[0011] In the embodiments of this 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] If the type of the first reconciliation channel is an electronic channel, respond to the reconciliation request of the first reconciliation channel and determine whether the first reconciliation channel is a contracted reconciliation channel;

[0013] If the first reconciliation channel is a contracted reconciliation channel, the reconciliation statement will be sent to the first terminal corresponding to the first reconciliation channel, and the reconciliation result will be received from the first terminal.

[0014] If the reconciliation result is abnormal, based on the type of the second reconciliation channel, respond to the reconciliation request from the second reconciliation channel and obtain modification information for the reconciliation result, including:

[0015] If the reconciliation result is abnormal and the type of the second reconciliation channel is 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] If the second reconciliation channel is a contracted reconciliation channel, the reconciliation results will be sent to the second terminal corresponding to the second reconciliation channel, and the modification information of the reconciliation results will be received from the second terminal.

[0017] In the embodiments of this application, the multi-channel reconciliation method further includes:

[0018] If the first reconciliation channel is an uncontracted reconciliation channel, a first prompt message is generated, which is used to indicate that the first reconciliation channel is an uncontracted reconciliation channel.

[0019] If the second reconciliation channel is an uncontracted reconciliation channel, a second prompt message is generated, which is used to indicate that the second reconciliation channel is an uncontracted reconciliation channel.

[0020] In the embodiments of this 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] If the first reconciliation channel is a paper channel, respond to the reconciliation request from the first reconciliation channel, extract the paper document information corresponding to the first reconciliation channel, and obtain the reconciliation result;

[0022] If the reconciliation result is abnormal, based on the type of the second reconciliation channel, respond to the reconciliation request from the second reconciliation channel and obtain modification information for the reconciliation result, including:

[0023] If the reconciliation result is abnormal and the second reconciliation channel is a paper channel, respond to the reconciliation request from the second reconciliation channel, extract the corresponding paper document information, and obtain the modification information for the reconciliation result.

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

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

[0026] In the embodiments of this application, updating the reconciliation results based on modified information includes:

[0027] The modified information is verified, and the verification result is obtained.

[0028] If the verification result is satisfactory, the reconciliation result is updated based on the modified information.

[0029] A second aspect of this application provides a multi-channel reconciliation device, which includes:

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

[0031] The statement generation module is used to generate statement for the target account based on a preset reconciliation frequency.

[0032] The reconciliation result acquisition module is used to respond to the reconciliation request of the first reconciliation channel based on the type of the first reconciliation channel and obtain the reconciliation result, wherein the first reconciliation channel can be any one of multiple reconciliation channels;

[0033] The modification information acquisition module is used to respond to the reconciliation request of the second reconciliation channel and obtain the modification information of the reconciliation result when the reconciliation result is an abnormal reconciliation result, based on the type of the second reconciliation channel. The second reconciliation channel can be any one of multiple reconciliation channels.

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

[0035] A third aspect of this application provides a processor configured to perform the aforementioned multi-channel reconciliation method.

[0036] A fourth aspect of this application provides a machine-readable storage medium storing instructions that, when executed by a processor, configure the processor to perform the aforementioned multi-channel reconciliation method.

[0037] The fifth aspect of this application provides a computer program product, including a computer program that, when executed by a processor, implements the aforementioned multi-channel reconciliation method.

[0038] This application provides a multi-channel reconciliation method, including: identifying multiple reconciliation channels corresponding to a target account; generating a reconciliation statement for the target account based on a preset reconciliation frequency; responding to a reconciliation request from a first reconciliation channel based on its type and obtaining the reconciliation result; if the reconciliation result is abnormal, responding to a reconciliation request from a second reconciliation channel based on its type and obtaining modification information for the reconciliation result; and updating the reconciliation result based on the modification information. An account can subscribe to multiple reconciliation channels for reconciliation, and users can switch between reconciliation channels during the reconciliation process, avoiding disruptions to the reconciliation process caused by abnormal situations such as users being unable to log in to their reconciliation channel accounts, thereby improving reconciliation efficiency.

[0039] Other features and advantages of the embodiments of this application will be described in detail in the following detailed description section. Attached Figure Description

[0040] The accompanying drawings are provided to further illustrate the embodiments of this application and form part of the specification. They are used together with the following detailed description to explain the embodiments of this application, but do not constitute a limitation on the embodiments of this application. In the drawings:

[0041] Figure 1 This illustration schematically shows an application environment diagram of the multi-channel reconciliation method according to an embodiment of this application;

[0042] Figure 2 The schematic diagram illustrates a multi-channel reconciliation method according to an embodiment of this application;

[0043] Figure 3 This schematic diagram illustrates the structure of a multi-channel reconciliation device according to an embodiment of the present application;

[0044] Figure 4 The diagram illustrates the internal structure of a computer device according to an embodiment of this application. Detailed Implementation

[0045] To make the objectives, technical solutions, and advantages of the embodiments of this application clearer, the technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. It should be understood that the specific embodiments described herein are only for illustration and explanation of the embodiments of this application and are not intended to limit the embodiments of this application. All other embodiments obtained by those skilled in the art based on the embodiments of this application without creative effort are within the scope of protection of this application.

[0046] It should be noted that if the embodiments of this application involve directional indication, the directional indication is only used to explain the relative positional relationship and movement of each component in a specific posture. If the specific posture changes, the directional indication will also change accordingly.

[0047] Furthermore, if the embodiments of this application involve descriptions such as "first" or "second," these descriptions are for descriptive purposes only and should not be construed as indicating or implying their relative importance or implicitly specifying the number of technical features indicated. Therefore, features defined with "first" or "second" may explicitly or implicitly include at least one of those features. Additionally, the technical solutions of various embodiments can be combined with each other, but this must be based on the ability of those skilled in the art to implement them. If the combination of technical solutions is contradictory or impossible to implement, it should be considered that such a combination of technical solutions does not exist and is not within the scope of protection claimed in this application.

[0048] The acquisition, transmission, storage, use, and processing of data in this application comply with relevant national laws and regulations. Furthermore, it should be noted that existing industry solutions such as software, components, and models may be mentioned in the embodiments of this application. These should be considered exemplary, intended only to illustrate the feasibility of implementing the technical solution of this application, and do not imply that the applicant has already used or necessarily used such solutions.

[0049] The multi-channel reconciliation method provided in this application can be applied to, for example... Figure 1 In the application environment shown, terminal 102 communicates with server 104 via a network. Server 104 receives reconciliation results sent by terminal 102 and also receives modification information sent by terminal 102, and updates the reconciliation results based on the modification information. Terminal 102 can be, but is not limited to, various personal computers, laptops, smartphones, tablets, and portable wearable devices. Server 104 can be implemented using a standalone server or a server cluster consisting of multiple servers.

[0050] Example 1

[0051] Please see Figure 2 , Figure 2 A schematic diagram illustrating the flow of a multi-channel reconciliation method according to an embodiment of this application is provided. Figure 2 As shown, in one embodiment of this application, a multi-channel reconciliation method is provided. This embodiment mainly applies this method to the above-mentioned... Figure 1 Taking server 120 as an example, the steps include:

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

[0053] Typically, reconciliation channels include electronic channels such as online banking, mobile banking, and self-service devices. When anomalies are found in the reconciliation statement, additional steps are added to the reconciliation process. For example, if the reconciliation channel is online banking, the anomaly will be reported through online banking. To avoid interruptions in the reconciliation process, users are usually required to have only one reconciliation channel activated to complete the entire process, and switching channels during the reconciliation process is not allowed. If anomalies are found in the reconciliation statement, and the process has already completed some steps, but the user is unable to log in to their account, it will hinder the reconciliation process, leading to low efficiency. In this embodiment, the user's account can be registered for all reconciliation channels. By identifying multiple registered reconciliation channels corresponding to the target account, the available reconciliation channels for the user during the reconciliation process can be determined.

[0054] S220 generates a statement for the target account based on a preset reconciliation frequency.

[0055] The preset reconciliation frequency is set according to actual needs, and can be monthly, quarterly, or annually, etc., without limitation. The target account is the account that needs to be reconciled. Based on the preset reconciliation frequency, a reconciliation statement is generated for the target account. The enterprise's users and banks / financial institutions jointly verify the reconciliation statements for any anomalies, ensuring consistency of financial data between the bank and the user, thereby guaranteeing fund security.

[0056] In embodiments of this application, generating a statement for the target account includes:

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

[0058] Preset reconciliation rules are set according to actual needs and can include prepayment reconciliation, loan reconciliation, refund reconciliation, and installment reconciliation, etc., without limitation here. Preset reconciliation parameters can also be set according to actual needs and can include accounts receivable turnover rate, revenue growth rate, and repayment ability ratio, etc., without limitation here. The preset reconciliation frequency, preset reconciliation rules, and preset reconciliation parameters are determined in advance based on the needs of the reconciliation process between the user and the bank. Based on the preset reconciliation frequency, rules, and parameters, a reconciliation statement for the target account can then be generated according to the actual reconciliation process requirements 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 the reconciliation result, wherein the first reconciliation channel is any one of multiple reconciliation channels.

[0060] In this embodiment, the server, applied to financial institutions such as banks, determines a first reconciliation channel when reconciliation is required. This first reconciliation channel can be any one of multiple reconciliation channels. The server responds to the reconciliation request from the first reconciliation channel, confirming that reconciliation will be performed through that channel. The user obtains the account statement for the target account through the first reconciliation channel and determines whether any discrepancies exist, thereby generating a reconciliation result. If discrepancies exist in the statement, the generated reconciliation result is an abnormal result. If no discrepancies exist, the generated reconciliation result is a normal result. The server responds to the reconciliation request from the first reconciliation channel and obtains the reconciliation result based on the type of the first reconciliation channel.

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

[0062] If the reconciliation result is abnormal, the user selects a second reconciliation channel, which can be any one of multiple reconciliation channels. The server responds to the received reconciliation result modification request, thus confirming that reconciliation will be conducted through the second reconciliation channel. The user sends the modification information for the reconciliation result through the second reconciliation channel, allowing the server to obtain the modification information based on the type of the second reconciliation channel.

[0063] It's important to understand that the first and second reconciliation channels can be the same or different. If the first and second reconciliation channels are the same, it's determined that the user did not change their reconciliation channel during the reconciliation process. If the first and second reconciliation channels are different, it's determined that the user changed their reconciliation channel during the reconciliation process.

[0064] S250, update reconciliation results based on modified 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 be subscribed to multiple reconciliation channels, and users can switch between channels during the reconciliation process, avoiding disruptions caused by user login issues and thus improving efficiency.

[0066] In the embodiments of this 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] If the type of the first reconciliation channel is an electronic channel, respond to the reconciliation request of the first reconciliation channel and determine whether the first reconciliation channel is a contracted reconciliation channel;

[0068] If the first reconciliation channel is a contracted reconciliation channel, the reconciliation statement will be sent to the first terminal corresponding to the first reconciliation channel, and the reconciliation result will be received from the first terminal.

[0069] If the reconciliation result is abnormal, based on the type of the second reconciliation channel, respond to the reconciliation request from the second reconciliation channel and obtain modification information for the reconciliation result, including:

[0070] If the reconciliation result is abnormal and the type of the second reconciliation channel is 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] If the second reconciliation channel is a contracted reconciliation channel, the reconciliation results will be sent to the second terminal corresponding to the second reconciliation channel, and the modification information of the reconciliation results will be received from the second terminal.

[0072] In the case of the initial reconciliation statement confirmation, the user logs into the target account through the first terminal corresponding to the first reconciliation channel. The server responds to the reconciliation request from the first reconciliation channel, determines whether the first reconciliation channel is an electronic channel, and if so, whether it is a reconciliation channel that the target account has signed up for. If the first reconciliation channel is a signed-up reconciliation channel, the server directly sends the reconciliation statement to the first terminal corresponding to the first reconciliation channel. The user uses the reconciliation statement received on the first terminal to perform reconciliation, generates a reconciliation result, and sends the reconciliation result to the server so that the server receives the reconciliation result sent by the first terminal. If the first reconciliation channel is an electronic channel, the server can directly send the reconciliation statement and receive the reconciliation result.

[0073] If the initial reconciliation result is abnormal, the user logs into the target account through the second terminal corresponding to the second reconciliation channel. The server responds to the reconciliation request from the second reconciliation channel, determines whether the second reconciliation channel is an electronic channel, and if so, whether it is a contracted reconciliation channel. If the second reconciliation channel is a contracted channel, the user sends modification information through the second reconciliation channel, and the server directly receives the modification information to correct the abnormal reconciliation result. If the second reconciliation channel is an electronic channel, the server can directly send the reconciliation result and receive modification information for the reconciliation result. It should be understood that the types of the first and second terminals are set according to actual needs and can be user terminals such as mobile phones and personal computers, and are not limited here. In addition, the first and second terminals can be the same user terminal or different user terminals. If the first and second terminals are the same user terminal, the first and second reconciliation channels can also be different reconciliation channels. For ease of understanding, in the embodiments of this application, both the first and second terminals are mobile phones, the first reconciliation channel is online banking, and the second electronic channel is mobile banking.

[0074] In the embodiments of this application, the multi-channel reconciliation method further includes:

[0075] If the first reconciliation channel is an uncontracted reconciliation channel, a first prompt message is generated, which is used to indicate that the first reconciliation channel is an uncontracted reconciliation channel.

[0076] If the second reconciliation channel is an uncontracted reconciliation channel, a second prompt message is generated, which is used to indicate that the second reconciliation channel is an uncontracted reconciliation channel.

[0077] When a user requests initial reconciliation through the primary reconciliation channel, the server determines whether the primary reconciliation channel is a contracted reconciliation channel. If the primary reconciliation channel is not a contracted channel, a first prompt message is generated. This first prompt message indicates that the primary reconciliation channel is not a contracted channel, prompting the user to request reconciliation through a contracted reconciliation channel.

[0078] When a user requests to modify the reconciliation results through a second reconciliation channel, the server determines whether the second reconciliation channel is a contracted reconciliation channel. If the second reconciliation channel is not contracted, a second prompt message is generated to indicate that the second reconciliation channel is not contracted, prompting the user to request reconciliation through a contracted reconciliation channel. By using both the first and second prompt messages to inform the user of the uncontracted reconciliation channel when it is not contracted, the reconciliation process is prevented from being disrupted, thereby improving reconciliation efficiency.

[0079] In the embodiments of this 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] If the first reconciliation channel is a paper channel, respond to the reconciliation request from the first reconciliation channel, extract the paper document information corresponding to the first reconciliation channel, and obtain the reconciliation result;

[0081] If the reconciliation result is abnormal, based on the type of the second reconciliation channel, respond to the reconciliation request from the second reconciliation channel and obtain modification information for the reconciliation result, including:

[0082] If the reconciliation result is abnormal and the second reconciliation channel is a paper channel, respond to the reconciliation request from the second reconciliation channel, extract the corresponding paper document information, and obtain the modification information for the reconciliation result.

[0083] In real-world reconciliation scenarios, there are situations where users find it inconvenient to reconcile accounts electronically, leading them to use paper-based methods. When a user requests initial confirmation via a primary reconciliation channel, the server determines whether this channel is paper-based. If the primary channel is paper-based, a paper copy of the reconciliation statement is printed. It's important to understand that even if both the primary and secondary reconciliation channels are paper-based, it can still be determined whether they are contracted reconciliation channels.

[0084] If the primary reconciliation channel is a contracted reconciliation channel, the paper version of the reconciliation statement will be delivered to the user's designated location according to the delivery method selected by the contracted reconciliation channel. The user verifies the reconciliation statement against the paper version and fills in the reconciliation results on the paper version. The paper version is then delivered to the bank's designated location according to the selected delivery method. The server responds to the reconciliation request from the primary reconciliation channel, extracts the corresponding paper version information, and obtains the reconciliation results.

[0085] If the reconciliation result is abnormal and the second reconciliation channel is a paper-based channel, the user fills in the modification information for the reconciliation result in a paper document. The server responds to the reconciliation request from the second reconciliation channel, extracts the corresponding paper document information, and obtains the modification information for the reconciliation result. It's important to understand that in actual reconciliation scenarios, users can fill in both the modification information and the reconciliation result in a paper document, or they can fill in the modification information in one paper document and the reconciliation result in another paper document; this will not be elaborated upon here. Furthermore, if the first reconciliation channel is a paper-based channel, the second reconciliation channel can be either an electronic or paper-based channel. Similarly, if the first reconciliation channel is an electronic channel, the second reconciliation channel can be either an electronic or paper-based channel.

[0086] When retrieving information from paper documents, the documents can be scanned using a scanning device, or staff can input the retrieved information using a human-computer interaction device; details will not be elaborated here. During the reconciliation process, users can use paper channels for reconciliation as needed, avoiding information leaks and thus improving the security of the reconciliation process.

[0087] In the embodiments of this application, updating the reconciliation results based on modified information includes:

[0088] The modified information is verified, and the verification result is obtained.

[0089] If the verification result is satisfactory, the reconciliation result is updated based on the modified information.

[0090] The modified information is verified to obtain a verification result. The modified information is set according to actual needs and is not limited here. For ease of understanding, in this embodiment, the modified information is the change of the balance value in the bank statement. Based on the value in the bank statement and the actual account balance, the modified information is verified to obtain a verification result. If the verification result is unsuccessful, the user is prompted to resend the modified information through a second terminal until the verification result is successful. If the verification result is successful, the bank statement is updated based on the modified information to ensure the consistency of financial data between the bank and the corporate user, thereby ensuring fund security.

[0091] This application provides a multi-channel reconciliation method, including: identifying 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; if the reconciliation result is an abnormal 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 subscribe to multiple reconciliation channels for reconciliation, and users can switch between reconciliation channels during the reconciliation process, avoiding disruptions to the reconciliation process caused by abnormal situations such as users being unable to log in to their reconciliation channel accounts, thereby improving reconciliation efficiency.

[0092] Figure 2 This is a flowchart illustrating a multi-channel reconciliation method in one embodiment. It should be understood that, although... Figure 2 The steps in the flowchart are shown sequentially as indicated by the arrows, but these steps are not necessarily executed in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order in which these steps are executed, and they can be performed in other orders. Figure 2At least some of the steps in the process may include multiple sub-steps or multiple stages. These sub-steps or stages are not necessarily completed 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 some of the sub-steps or stages of other steps.

[0093] Example 2

[0094] Please see Figure 3 , Figure 3 A schematic block diagram of a multi-channel reconciliation device according to an embodiment of this application is shown. Figure 3 The multi-channel reconciliation device 300 shown 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] The reconciliation channel determination module 310 is used to determine multiple reconciliation channels corresponding to the target account;

[0096] The statement generation module 320 is used to generate statement for the target account according to the preset reconciliation frequency.

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

[0098] The modification information acquisition module 340 is used to respond to the reconciliation request of the second reconciliation channel and obtain the modification information of the reconciliation result based on the type of the second reconciliation channel when the reconciliation result is an abnormal reconciliation result. The second reconciliation channel is any one of multiple reconciliation channels.

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

[0100] In the embodiments of this application, the reconciliation result acquisition module 330 includes:

[0101] The first reconciliation channel contract confirmation submodule is used to respond to the reconciliation request of the first reconciliation channel and determine whether the first reconciliation channel is a contracted reconciliation channel when the type of the first reconciliation channel is electronic channel.

[0102] The reconciliation result receiving submodule is used to send the reconciliation statement to the first terminal corresponding to the first reconciliation channel when the first reconciliation channel is a contracted reconciliation channel, and to receive the reconciliation result sent by the first terminal.

[0103] Modify the information acquisition module 340, which includes:

[0104] The second reconciliation channel contract confirmation submodule is used to respond to the reconciliation request of the second reconciliation channel and determine 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 results to the second terminal corresponding to the second reconciliation channel when the second reconciliation channel is a contracted reconciliation channel, and to receive the modification information of the reconciliation results sent by the second terminal.

[0106] In the embodiments of this application, the multi-channel reconciliation device 300 further includes:

[0107] The first prompt information generation module is used to generate a first prompt information when the first reconciliation channel is an uncontracted reconciliation channel. The first prompt information is used to indicate that the first reconciliation channel is an uncontracted reconciliation channel.

[0108] The second prompt information generation module is used to generate a second prompt information when the second reconciliation channel is an uncontracted reconciliation channel. The second prompt information is used to indicate that the second reconciliation channel is an uncontracted reconciliation channel.

[0109] In the embodiments of this application, the reconciliation result acquisition module 330 includes:

[0110] If the first reconciliation channel is a paper channel, respond to the reconciliation request from the first reconciliation channel, extract the paper document information corresponding to the first reconciliation channel, and obtain the reconciliation result;

[0111] Modify the information acquisition module 340, which includes:

[0112] If the reconciliation result is abnormal and the second reconciliation channel is a paper channel, respond to the reconciliation request from the second reconciliation channel, extract the corresponding paper document information, and obtain the modification information for the reconciliation result.

[0113] In embodiments of this application, the statement generation module 320 includes:

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

[0115] In the embodiments of this application, the reconciliation result update module 350 includes:

[0116] The modified information is verified, and the verification result is obtained.

[0117] If the verification result is satisfactory, the reconciliation result is updated based on the modified information.

[0118] This application also provides a processor configured to execute the above-described multi-channel reconciliation method.

[0119] The multi-channel reconciliation device 300 includes a processor and a memory. The aforementioned 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 as program units in the memory. The processor executes the aforementioned program modules stored in the memory to implement the corresponding functions.

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

[0121] The memory may include non-permanent memory in computer-readable media, such as 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] Please see Figure 4 , Figure 4 The diagram illustrates the internal structure of a computer device according to an embodiment of this application.

[0123] In one embodiment, a computer device is provided, which 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, memory (not shown), and a database (not shown) connected via a system bus. The processor A01 provides computing and control capabilities. The memory includes 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). The internal memory A03 provides an environment for the operation of the operating system B01 and the computer program B02 stored in the non-volatile storage medium A04. The database is used to store data. The network interface A02 is used to communicate with external terminals via a network connection. When the computer program B02 is executed by the processor A01, it implements a multi-channel reconciliation method.

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

[0125] This application also provides a machine-readable storage medium storing instructions that, when executed by a processor, configure the processor to perform the aforementioned multi-channel reconciliation method.

[0126] In one embodiment, the multi-channel reconciliation device 300 provided in this application can be implemented as a machine-readable storage medium, which can be configured as follows: Figure 4 The computer device shown operates on this device. The computer device's memory can store the various program modules that make up the multi-channel reconciliation device 300, for example, Figure 3 The diagram shows 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. The computer program comprised of these modules causes the processor to execute the steps of the multi-channel reconciliation methods described in the various embodiments of this application.

[0127] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the above-described multi-channel reconciliation method.

[0128] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0129] This application is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart... Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0130] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0131] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function 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] Memory may include non-persistent memory in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0134] Computer-readable media include both permanent and non-permanent, removable and non-removable media, which can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, 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 technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0135] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such process, method, article, or apparatus. Unless otherwise specified, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes that element.

[0136] The above are merely embodiments of this application and are not intended to limit the scope of this application. Various modifications and variations can be made to this application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the scope of the claims of this application.

Claims

1. A multi-channel reconciliation method, characterized in that, The multi-channel reconciliation methods include: Identify the multiple reconciliation channels corresponding to the target account; Generate account statements for the target account based on the preset reconciliation frequency; 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 plurality of reconciliation channels; If the reconciliation result indicates that the reconciliation process is blocked and the reconciliation result is abnormal, and the user determines a second reconciliation channel for reconciliation, based on the type of the second reconciliation channel, the reconciliation request of the second reconciliation channel is responded to, and the modification information of the reconciliation result is obtained, wherein the second reconciliation channel is any one of the plurality of reconciliation channels; Based on the modified information, update the reconciliation results; The step of responding to the reconciliation request from the first reconciliation channel based on the type of the first reconciliation channel and obtaining the reconciliation result includes: If the first reconciliation channel is an electronic channel, respond to the reconciliation request from the first reconciliation channel and determine whether the first reconciliation channel is a contracted reconciliation channel. If the first reconciliation channel is a contracted reconciliation channel, the reconciliation statement is sent to the first terminal corresponding to the first reconciliation channel, and the reconciliation result sent by the first terminal is received. In the case where the reconciliation result indicates that the reconciliation process is blocked and the reconciliation result is abnormal, and the user determines a second reconciliation channel for reconciliation, based on the type of the second reconciliation channel, the system responds to the reconciliation request of the second reconciliation channel and obtains the modification information of the reconciliation result, including: If the reconciliation result is that the reconciliation process is blocked and the reconciliation result is abnormal, and the user determines a second reconciliation channel for reconciliation, and the type of the second reconciliation channel is an electronic channel, the reconciliation request of the second reconciliation channel is responded to, and it is determined whether the second reconciliation channel is a contracted reconciliation channel. If the second reconciliation channel is a contracted reconciliation channel, the reconciliation result is sent to the second terminal corresponding to the second reconciliation channel, and the modification information of the reconciliation result sent by the second terminal is received.

2. The multi-channel reconciliation method according to claim 1, characterized in that, The multi-channel reconciliation method also includes: If the first reconciliation channel is an uncontracted reconciliation channel, a first prompt message is generated, wherein the first prompt message is used to indicate that the first reconciliation channel is an uncontracted reconciliation channel. If the second reconciliation channel is an uncontracted reconciliation channel, a second prompt message is generated, wherein the second prompt message is used to indicate that the second reconciliation channel is an uncontracted reconciliation channel.

3. The multi-channel reconciliation method according to claim 1, characterized in that, The step of responding to the reconciliation request from the first reconciliation channel based on the type of the first reconciliation channel and obtaining the reconciliation result includes: If the first reconciliation channel is a paper channel, respond to the reconciliation request of the first reconciliation channel, extract the paper document information corresponding to the first reconciliation channel, and obtain the reconciliation result; In the event that the reconciliation result is abnormal, based on the type of the second reconciliation channel, the system responds to the reconciliation request of the second reconciliation channel and obtains modification information for the reconciliation result, including: If the reconciliation result is an abnormal result and 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 the modification information of the reconciliation result.

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

5. The multi-channel reconciliation method according to claim 1, characterized in that, The step of updating the reconciliation result based on the modified information includes: The modified information is verified to obtain the verification result; If the verification result is successful, the reconciliation result is updated based on the modified information.

6. A multi-channel reconciliation device, characterized in that, The multi-channel reconciliation device includes: The reconciliation channel determination module is used to determine multiple reconciliation channels corresponding to the target account; The statement generation module is used to generate statement for the target account based on a preset reconciliation frequency. The reconciliation result acquisition module is used to respond to the reconciliation request of the first reconciliation channel based on the type of the first reconciliation channel and acquire the reconciliation result, wherein the first reconciliation channel is any one of the plurality of reconciliation channels; The modification information acquisition module is used to, when the reconciliation result is that the reconciliation process is blocked and the reconciliation result is abnormal, and the user determines a second reconciliation channel for reconciliation, respond to the reconciliation request of the second reconciliation channel based on the type of the second reconciliation channel, and obtain the modification information of the reconciliation result, wherein the second reconciliation channel is any one of the plurality of reconciliation channels; The reconciliation result update module is used to update the reconciliation result based on the modified information; The reconciliation result acquisition module includes: The first reconciliation channel contract confirmation submodule is used to respond to the reconciliation request of the first reconciliation channel and determine whether the first reconciliation channel is a contracted reconciliation channel when the type of the first reconciliation channel is an electronic channel. The reconciliation result receiving submodule is used to send the reconciliation statement to the first terminal corresponding to the first reconciliation channel when the first reconciliation channel is a contracted reconciliation channel, and to receive the reconciliation result sent by the first terminal. The modified information acquisition module includes: The second reconciliation channel contract confirmation submodule is used to respond to the reconciliation request of the second reconciliation channel and determine whether the second reconciliation channel is a contracted reconciliation channel when the reconciliation result is that the reconciliation process is blocked and the reconciliation result is abnormal, and the user determines the second reconciliation channel for reconciliation, and the type of the second reconciliation channel is an electronic channel. 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 contracted reconciliation channel, and to receive modification information of the reconciliation result sent by the second terminal.

7. A processor, characterized in that, It is configured to perform the multi-channel reconciliation method according to any one of claims 1 to 5.

8. A machine-readable storage medium storing instructions thereon, characterized in that, When executed by a processor, this instruction causes the processor to be configured to perform the multi-channel reconciliation method according to any one of claims 1 to 5.

9. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by the processor, it implements the multi-channel reconciliation method according to any one of claims 1 to 5.

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