Transaction index identification processing method and device based on accounting entry flow data

Abstract

The invention provides a transaction index identification processing method and device based on accounting entry flow data, and relates to the technical field of computer data processing, and the method comprises the steps: obtaining an associated party list; receiving a supervision index statistical caliber mapping document; wherein in the supervision index statistics caliber mapping document, each accounting subject corresponds to a group of indicators, and each field of the indicators represents the caliber included in the corresponding index calculation; acquiring accounting entry flow data, and for transactions with accounting subject mapping relations, adding indicators to the transactions according to supervision index statistics caliber mapping documents; filtering the accounting entry flow data according to the related party list; counting a caliber mapping document according to the supervision indexes, and marking each piece of filtered accounting entry flow data by using an accounting subject; and according to the marked accounting entry flow data, searching according to the set search term to obtain a data set meeting the search term, and identifying the transaction risk index according to the data set.

Description

Technical Field

[0001] The present invention relates to the technical field of computer data processing, and in particular to a transaction index identification and processing method and device based on accounting entry flow data. Background Art

[0002] This section is intended to provide a background or context for embodiments of the present invention. No description herein is admitted to be prior art by virtue of its inclusion in this section.

[0003] In the prior art, the following methods are proposed for the identification of related transactions: identify the list of related parties and upload it; monitor the write operations of multiple source databases according to the source database name; monitor and identify the required business data for reporting. This solution requires multiple source databases to monitor and process and identify related transactions, and the required software system architecture is complex and the development workload is large. In addition, some banks complete related work according to the following business process: the department in charge of supervision and compliance issues forms to each line of business department for filling in according to the preparation of supervision reports after the end of each quarter; after each line of business department completes the report, the supervision and compliance department is responsible for checking the data, classifying and summarizing it; the supervision and compliance department fills in the final report submitted to the regulator according to the summarized results.

[0004] According to regulatory requirements, banks need to clarify all transactions involving related parties in all business lines and submit them by category. Objectively, banks are involved in many types of business and it is difficult to unify the scope of business fields. From the perspective of the competent department responsible for regulatory compliance within the bank, it is impossible to grasp the information of all business products; from the perspective of the various business departments of the bank, the business departments do not have a sufficient understanding of the scope of reporting related transactions, and it is difficult to collect and organize data. The common practice of related transaction reporting in existing banks is that the regulatory compliance department notifies each business department to summarize and submit data according to a unified reporting scope. After each business department has collected the data, the regulatory compliance business department summarizes the data, corrects the data, compiles relevant reports and submits them to relevant institutions. There is a lot of manual work in collecting and processing data. At present, banks generally rely on IT systems to extract data when collecting related transaction information, but there is also the problem of integrating a large number of heterogeneous data between different IT systems. All bank account information must be summarized into accounting entries according to the same standards and subject caliber. As the core of the bank, transaction data must have a unified format, high quality and comprehensive coverage. Existing technology cannot meet the above requirements.

[0005] Therefore, manual completion of data collection, aggregation and reporting of related transactions results in too many business links, uncontrollable data quality, and inadequate supervision and interpretation by executive personnel, which ultimately leads to problems of underreporting and misreporting. In addition, there is a need to monitor multiple different data sources, inconsistent data formats, and a large workload for IT data analysis and development; the IT system structure is relatively complex, and the possibility of errors is high.

[0006] In summary, there is an urgent need for a technical solution that can overcome the above-mentioned defects, improve the transaction data processing method, and improve data processing efficiency and quality. Summary of the invention

[0007] In order to solve the problems existing in the prior art, the present invention proposes a transaction indicator identification and processing method and device based on accounting entry flow data. The present invention relies on bank accounting entry data, maps the parameters of transaction subjects to the configuration of regulatory rules, realizes efficient extraction and classification of related transactions, improves the automation level and accuracy of reports, and reduces the consumption of human resources.

[0008] In a first aspect of an embodiment of the present invention, a transaction indicator identification and processing method based on accounting entry flow data is proposed, the method comprising:

[0009] Obtain a list of related parties;

[0010] Receive a regulatory indicator statistical caliber mapping document; wherein, in the regulatory indicator statistical caliber mapping document, each accounting subject corresponds to a set of indicators, and each field of the indicator represents the caliber included in the calculation of the corresponding indicator;

[0011] Acquiring accounting entry flow data, wherein, for transactions with accounting subject mapping relationships, adding indicators to the transactions according to the regulatory indicator statistical caliber mapping document;

[0012] According to the related party list, the accounting entry data is filtered to remove the accounting entry data that does not belong to the account range corresponding to the related party list;

[0013] According to the regulatory indicator statistical caliber mapping document, use accounting subjects to mark each filtered accounting entry flow data;

[0014] According to the marked accounting entry flow data, a search is performed according to the set search items to obtain a data set that meets the search items, and transaction risk indicators are identified based on the data set.

[0015] In a second aspect of an embodiment of the present invention, a transaction indicator identification and processing device based on accounting entry flow data is proposed, the device comprising:

[0016] List acquisition module, used to obtain the list of related parties;

[0017] A mapping document receiving module is used to receive a regulatory indicator statistical caliber mapping document; wherein, in the regulatory indicator statistical caliber mapping document, each accounting subject corresponds to a set of indicators, and each field of the indicator represents the caliber included in the calculation of the corresponding indicator;

[0018] A flow data acquisition module is used to acquire the flow data of accounting entries, wherein, for transactions with accounting subject mapping relationships, an indicator is added to the transaction according to the regulatory indicator statistical caliber mapping document;

[0019] A data filtering module, used to filter the accounting entry flow data according to the related party list, and remove the accounting entry flow data that does not belong to the account range corresponding to the related party list;

[0020] A data labeling module is used to label each accounting entry flow data after filtering using accounting subjects according to the statistical caliber mapping document of the regulatory indicators;

[0021] The indicator identification module is used to search according to the marked accounting entry flow data according to the set search items, obtain the data set that meets the search items, and identify the transaction risk indicator according to the data set.

[0022] In a third aspect of an embodiment of the present invention, a computer device is proposed, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the computer program, a transaction indicator identification and processing method based on accounting entry flow data is implemented.

[0023] In a fourth aspect of an embodiment of the present invention, a computer-readable storage medium is proposed, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, a transaction indicator identification and processing method based on accounting entry flow data is implemented.

[0024] In a fifth aspect of an embodiment of the present invention, a computer program product is proposed. The computer program product includes a computer program. When the computer program is executed by a processor, a transaction indicator identification and processing method based on accounting entry flow data is implemented.

[0025] The transaction indicator identification and processing method and device based on accounting entry flow data proposed by the present invention are as follows: obtaining a list of related parties; receiving a regulatory indicator statistical caliber mapping document; wherein, in the regulatory indicator statistical caliber mapping document, each accounting subject corresponds to a group of indicators, and each field of the indicator represents the caliber included in the calculation of the corresponding indicator; obtaining accounting entry flow data, wherein, for transactions with accounting subject mapping relationships, adding indicators to the transactions according to the regulatory indicator statistical caliber mapping document; filtering the accounting entry flow data according to the related party list, and eliminating the accounting entry flow data that does not belong to the account range corresponding to the related party list; according to the regulatory indicator statistical caliber mapping document, using the accounting subject to filter each filtered account The accounting entry flow data is marked; according to the marked accounting entry flow data, a search is performed according to the set search items to obtain a data set that meets the search items, and transaction risk indicators are identified according to the data set; the overall solution uses accounting entry flow as the only aggregate data source for extracting related transaction data. Accounting entry flow is one of the most reliable data sources for all banks, and naturally has the characteristics of accurate data and comprehensive coverage. It is more reasonable to use it as a data source for collecting regulatory data; at the same time, the present invention only relies on the general ledger system to complete the confirmation of the scope of related transaction data, and has the characteristics of simple IT system architecture, low failure rate and low cost; the overall solution can meet the needs of the transaction system to quickly obtain related transaction indicators, and provide strong technical support for bank transaction scenarios. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0027] Figure 1 The present invention is a flowchart of a transaction indicator identification and processing method based on accounting entry flow data according to an embodiment of the present invention.

[0028] Figure 2 The present invention is a flowchart of marking accounting entry flow data according to an embodiment of the present invention.

[0029] Figure 3 It is a flowchart of indicator identification calculation according to an embodiment of the present invention.

[0030] Figure 4 It is a schematic diagram of the architecture of a transaction indicator identification and processing device based on accounting entry flow data according to an embodiment of the present invention.

[0031] Figure 5It is a schematic diagram of the structure of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0032] The principles and spirit of the present invention will be described below with reference to several exemplary embodiments. It should be understood that these embodiments are provided only to enable those skilled in the art to better understand and implement the present invention, and are not intended to limit the scope of the present invention in any way. On the contrary, these embodiments are provided to make the present disclosure more thorough and complete, and to fully convey the scope of the present disclosure to those skilled in the art.

[0033] Those skilled in the art will appreciate that the embodiments of the present invention may be implemented as a system, device, apparatus, method or computer program product. Therefore, the present disclosure may be specifically implemented in the following forms, namely: complete hardware, complete software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0034] According to an embodiment of the present invention, a transaction indicator identification and processing method and device based on accounting entry flow data are proposed, which relates to the field of computer data processing technology. The present invention relies on bank accounting entry data, maps the parameters of transaction subjects to the configuration of regulatory rules, and realizes efficient extraction and classification of related transactions, thereby improving the automation level and accuracy of reports and reducing the consumption of human resources.

[0035] In the embodiments of the present invention, the terms that need to be explained are:

[0036] Related party: A natural person, legal person or unincorporated organization that has an associated relationship with the enterprise as defined in the regulatory rules that the enterprise needs to comply with.

[0037] Related-party transactions: transactions involving the transfer of resources, services, obligations or other benefits between an enterprise and its subsidiaries and related parties.

[0038] Accounting entry: An accounting entry that indicates the direction of the debit and credit accounts, account names and amounts based on the content of economic transactions. It is widely used in financial industries such as banks.

[0039] The principle and spirit of the present invention are explained in detail below with reference to several representative embodiments of the present invention.

[0040] Figure 1 1 is a flow chart of a transaction indicator identification and processing method based on accounting entry flow data according to an embodiment of the present invention. Figure 1 As shown, the method includes:

[0041] S101, obtaining a list of related parties;

[0042] S102, receiving a regulatory indicator statistical caliber mapping document; wherein, in the regulatory indicator statistical caliber mapping document, each accounting subject corresponds to a set of indicators, and each field of the indicator represents the caliber included in the calculation of the corresponding indicator;

[0043] S103, obtaining accounting entry flow data, wherein, for transactions with accounting subject mapping relationships, adding indicators to the transactions according to the regulatory indicator statistical caliber mapping document;

[0044] S104, filtering the accounting entry data according to the associated party list, and removing the accounting entry data that does not belong to the account number range corresponding to the associated party list;

[0045] S105, according to the regulatory indicator statistical caliber mapping document, use accounting subjects to mark each accounting entry flow data after filtering;

[0046] S106, searching according to the marked accounting entry flow data according to the set search items to obtain a data set that meets the search items, and identifying transaction risk indicators based on the data set.

[0047] The transaction indicator identification and processing method based on accounting entry flow data proposed in the present invention utilizes the accounting entry transaction flow widely used in the banking industry, performs data mapping and statistics through unified parameter configuration management, maximizes the use of automation to replace manual report preparation, reduces the degree of dependence of business personnel on the understanding of related transaction supervision requirements, and improves the accuracy of related transaction reporting. At the same time, the IT system architecture is simple, and the robustness and economy are better.

[0048] In order to explain more clearly the above-mentioned transaction indicator identification and processing method based on accounting entry flow data, each step is explained in detail below.

[0049] In one embodiment, for S101, a list of associated parties is counted. Specifically, a list of associated parties that need to be counted is received, and each associated party includes all account information involved in the associated party.

[0050] Receive the list of related parties that need to be counted, including each related party and all account information involved, which will be used for subsequent transaction flow screening. The received list of related parties contains detailed information of the related parties and all accounts to which they belong. These accounts will be used to identify and screen the transaction flows related to the related parties.

[0051] After receiving the list of related parties, the backend system will use this information to filter the daily accounting entries to ensure that only transactions related to these related parties are processed and counted. In actual application scenarios, the backend system will match the daily accounting entries with the list of related parties to determine which transaction records need to be included in the statistics and regulatory reporting. For transaction records that do not match the related party accounts, the backend system will perform data cleaning and will not include them in the subsequent processing and calculation stages.

[0052] In one embodiment, for S102, a regulatory indicator statistical caliber mapping document is received; wherein, in the regulatory indicator statistical caliber mapping document, each accounting subject corresponds to a set of indicators, and each field of the indicator represents the caliber included in the calculation of the corresponding indicator.

[0053] In the regulatory indicator statistical caliber mapping document, each regulatory identifier is associated with a unified accounting subject (COA subject); wherein each accounting subject is associated with an indicator field with a length of N bits, where N is a positive integer, wherein for any one bit of the indicator field, the value range is 0 or 1, where 0 indicates that the transactions involved in the accounting subject are not included in the statistical indicators for statistics, and 1 indicates that the transactions involved in the accounting subject are included in the statistical indicators for statistics.

[0054] Specifically, the statistical caliber mapping rules for receiving regulatory indicators are used, and all regulatory identifiers are associated with unified COA items.

[0055] According to business needs, each COA account is associated with an indicator field V1, V2, ..., V with a length of N bits. N , where for any one of V x The value range is 0 or 1; 0 means that the transactions involved in this account are not included in a certain statistical indicator for statistics, and 1 means that the transactions involved in this account are included in a certain statistical indicator for statistics.

[0056] For example, the first bit indicates that the transaction participates in the statistics of service-related transactions, and the second bit indicates that the transaction participates in the statistics of asset transfer-related management transactions. Assuming that the transaction with COA account 210010 is an asset transfer-related transaction, the indicator field corresponding to the COA account is 01xxyyzz.

[0057] When you need to calculate the statistical indicators of asset transfer related transactions later, find the transactions whose second bit of the indicator field is 1.

[0058] The mapping rules for regulatory indicator statistical caliber refer to the conversion of specific regulatory requirements into specific rules and parameters that can be used for statistics and reporting. These rules define how to extract and classify related transaction data from accounting entry flows to meet regulatory reporting requirements. For the mapping rules for regulatory indicator statistical caliber, regulatory requirements are converted. The requirements of the regulatory agency are converted into specific statistical calibers, which define which transactions need to be counted and how to count them. Each COA (Chart of Accounts) account corresponds to a set of indicators, and the fields of these indicators represent the calibers included in the calculation of a certain indicator. Data mapping and statistics are performed through unified parameter configuration management to achieve automated report preparation.

[0059] Each COA account is associated with an indicator field of length N bits (such as V1, V2, ..., V N ), where each digit can take values ​​of 0 or 1, 0 means not included in the statistics, and 1 means included in the statistics. According to the statistical caliber mapping rules of regulatory indicators, the accounting entry flow is filtered and classified to extract related-party transaction data. Using these mapping rules, automation can be used to replace manual report preparation to the maximum extent, reducing the reliance of business personnel on the understanding of related-party transaction regulatory requirements and improving the accuracy of related-party transaction reporting. The calculation of related-party risk indicators is completed within millisecond response time to ensure the rapid response of the transaction system.

[0060] In one embodiment, for S103, the accounting entry flow data is obtained, wherein, for transactions with accounting subject mapping relationships, indicators are added to the transactions according to the regulatory indicator statistical caliber mapping document.

[0061] The accounting entry flow data at least includes business fields such as account number, accounting subject, debit and credit direction, transaction account number, transaction amount and transaction time.

[0062] Specifically, data cleaning is performed on the business fields, and the accounting entry flow data at least includes business fields such as account number, accounting subject, debit and credit direction, transaction account, transaction amount and transaction time. Among them, for each transaction in the accounting entry flow data, according to the parameter configuration in the regulatory indicator statistical caliber mapping document, an indicator field with a length of N bits is added to the transaction with an accounting subject mapping relationship, and the indicator field is the same as the field in the accounting subject mapping parameter; for the fields without an accounting subject mapping relationship, data cleaning is performed and they are not included in the processing and calculation process.

[0063] For each transaction, according to the parameter configuration of S102, for a transaction with a COA mapping relationship, an indicator field V1, V2, ..., V is added to the transaction. NThe definition of this field is the same as that in the COA mapping parameters. For fields that do not have a COA mapping relationship, data cleaning is performed and they are not included in the subsequent processing and calculation.

[0064] In one embodiment, for S104, the accounting entry flow data is filtered according to the associated party list to remove the accounting entry flow data that does not belong to the account range corresponding to the associated party list.

[0065] The accounting entry flow data is loaded, and whether the transaction belongs to a related party is determined by the account information; if the account information corresponding to the transaction in the accounting entry flow data is not within the account range of the related party list, the transaction is cleaned and not included in the processing and calculation process; if it is within the account range of the related party list, the transaction data is retained.

[0066] In actual application scenarios, in distributed databases such as HBase, you can use filters to set the output range, similar to the Where query condition in SQL. For example, you can use RowFilter to filter row keys to display key-value pairs with a row key prefix of a specific value; or use PrefixFilter to scan row keys with a specific prefix. These filters can help identify and filter out journal entries that fall within the scope of the associated party's account.

[0067] In the pre-processing stage, the system should clean and organize the data to remove duplicate data, erroneous data and incomplete data. At the same time, convert unstructured data into structured data to facilitate subsequent analysis and processing. Use intelligent classification technology to classify transaction data to ensure that only transaction data related to related parties are processed and counted. Including multi-format data processing and data verification algorithms to automatically verify imported data to ensure data integrity and accuracy, and to detect and correct errors and omissions in data.

[0068] After filtering and cleaning the data, the account number is used to determine whether the transaction belongs to a related party. For transactions that are not within the account range, data cleaning is performed and they are not included in the subsequent processing and calculation to ensure data accuracy and compliance.

[0069] In one embodiment, for S105, according to the regulatory indicator statistical caliber mapping document, each filtered accounting entry flow data is marked using an accounting subject. Figure 2 As shown, the specific process includes:

[0070] S1051, for each transaction, corresponding to one account, N pieces of regulatory identification information are decomposed according to the attached indicator field;

[0071] S1052, loading the transaction and the corresponding regulatory identification information into the distributed search and analysis engine, each piece of data at least includes related party information, account number, accounting subject, debit and credit direction, transaction account number, transaction amount, transaction time and indicator field.

[0072] The distributed search and analysis engine is the ElasticSearch engine.

[0073] Specifically, according to the mapping document received by S102, each transaction flow is marked according to the COA subject. For each transaction, each transaction has only one subject, and N regulatory identification information will be disassembled according to the additional indicator field, so that the ElasticSearch engine can rely on these identifications for indexing and fast query, and then the processed data is loaded into the ElasticSearch engine. Each data in the ElasticSearch engine can adopt a format similar to the following:

[0074] <Related party information, account number, COA subject, debit and credit direction, transaction account number, transaction amount, transaction time, ..., V1, V2, ..., V N >

[0075] The ElasticSearch engine is an open source distributed RESTful search and analysis engine that can provide real-time search and analysis capabilities and is suitable for various types of data, such as structured text, unstructured text, digital data, etc. In actual application scenarios, an index is established in ElasticSearch, and mappings are defined to specify the data types and attributes of accounting subjects (COA subjects) and other related fields. For example, accounting subjects can be defined as keyword types to ensure accurate matching. Import the filtered accounting entry flow data into ElasticSearch. During the import process, ensure that each record contains accounting subjects and other related fields. According to the regulatory indicator statistical caliber mapping document, each record needs to be labeled accordingly (V1, V2, etc.). These labels can be Boolean types, indicating whether a specific regulatory indicator statistical caliber is met. For example, if the accounting subject of a record involves an asset transfer transaction, the corresponding V x Fields are marked as true. Using ElasticSearch's query DSL (Domain Specific Language), you can build queries to update or mark existing documents. For example, you can query all records with a specific account value and update their V x The field is true. Using the aggregation function of ElasticSearch, the labeled data can be further analyzed and counted to meet the requirements of regulatory reporting.

[0076] In one embodiment, for S106, based on the marked accounting entry flow data, a search is performed according to a set search item to obtain a data set that meets the search item, and a transaction risk indicator is identified based on the data set. Figure 3 As shown, the specific process includes:

[0077] S1061, setting search items according to target related party information and regulatory identification information;

[0078] S1062, using the distributed search and analysis engine, searching in the marked accounting entry flow data according to the search terms to obtain a data set that satisfies the search terms;

[0079] S1063: For the data set, use an indicator calculation engine to perform indicator calculation to identify transaction risk indicators.

[0080] Specifically, the related party information and regulatory identification information received from the user are used as search items, and the ElasticSearch engine is used to quickly search for data sets that meet the calculation needs within milliseconds, and the indicators are calculated according to the rule engine to identify risk indicators.

[0081] In actual application scenarios, when the rule engine records the amount of asset transfer transactions that occur quarterly and need to be reported by regulators in the first quarter of 2024, the transaction time is 20240101-20240331 (January 1, 2024 to March 31, 2024) and V2 is 1 as the query item. All transactions that meet the index requirements are quickly queried through ElasticSearch, and the transaction amounts are summarized according to the rule engine to calculate the asset transfer amount indicator value for the first quarter of 2024.

[0082] In a specific embodiment, ElasticSearch is a distributed search and analysis engine that can distribute data and load across multiple servers, which allows searches to be performed in parallel on multiple nodes, significantly improving search speed; the engine has near real-time (NRT) search capabilities, which means that document indexing and searching can be completed within seconds after the document is indexed, rather than minutes or longer as with traditional databases; it can handle multiple search requests at the same time. Supports vectorized queries, converts text into numerical vectors when querying, and uses these vectors for fast comparison and similarity searches. Quickly group, count, and analyze large amounts of data to achieve millisecond-level data analysis. Specifically, ElasticSearch uses an inverted index to store document data. This index structure allows for fast retrieval of documents containing specific keywords. The inverted index maps each word that appears in a document to a list of documents where the word appears, thereby achieving fast searches.

[0083] The present invention relies on the construction of an enterprise-level data warehouse and the accounting entry flow data widely used by banks to quickly collect and count related transaction statistical indicators. Considering the amount of bank accounting entry flow data, it relies on a distributed database system (Hbase, Oceanbase, Greenpulm, etc.) for basic data access and data processing, and uses ElasticSearch for fast matching and statistics of transactions.

[0084] It should be noted that, although the operations of the method of the present invention are described in a specific order in the above embodiments and the accompanying drawings, this does not require or imply that the operations must be performed in the specific order, or that all the operations shown must be performed to achieve the desired results. Additionally or alternatively, some steps may be omitted, multiple steps may be combined into one step, and / or one step may be decomposed into multiple steps.

[0085] After introducing the method of the exemplary embodiment of the present invention, next, refer to Figure 4 A transaction indicator identification and processing device based on accounting entry flow data according to an exemplary embodiment of the present invention is introduced.

[0086] The implementation of the transaction indicator identification and processing device based on accounting entry flow data can refer to the implementation of the above method, and the repetitions will not be repeated. The terms "module" or "unit" used below can be a combination of software and / or hardware that implements a predetermined function. Although the device described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware is also possible and conceived.

[0087] Based on the same inventive concept, the present invention also proposes a transaction indicator identification and processing device based on accounting entry flow data, such as Figure 4 As shown, the device comprises:

[0088] List acquisition module 410, used to acquire a list of related parties;

[0089] The mapping document receiving module 420 is used to receive a regulatory indicator statistical caliber mapping document; wherein, in the regulatory indicator statistical caliber mapping document, each accounting subject corresponds to a set of indicators, and each field of the indicator represents the caliber included in the calculation of the corresponding indicator;

[0090] The flow data acquisition module 430 is used to acquire the flow data of accounting entries, wherein, for transactions with accounting subject mapping relationships, an indicator is added to the transaction according to the regulatory indicator statistical caliber mapping document;

[0091] The data filtering module 440 is used to filter the accounting entry flow data according to the associated party list, and remove the accounting entry flow data that does not belong to the account range corresponding to the associated party list;

[0092] The data marking module 450 is used to mark each accounting entry flow data after filtering using the accounting subject according to the statistical caliber mapping document of the regulatory indicators;

[0093] The indicator identification module 460 is used to search according to the marked accounting entry flow data according to the set search items, obtain the data set that meets the search items, and identify the transaction risk indicator according to the data set.

[0094] In one embodiment, the list acquisition module 410 is specifically used to:

[0095] Receive a list of related parties that need to be counted, each of which contains all account information involved in the related party.

[0096] In one embodiment, the mapping document receiving module 420 is specifically used to:

[0097] In the regulatory indicator statistical caliber mapping document, each regulatory identifier is associated with a unified accounting subject; wherein, each accounting subject is associated with an indicator field with a length of N bits, N is a positive integer, wherein, for any one bit of the indicator field, the value range is 0 or 1, 0 indicates that the transactions involved in the accounting subject are not included in the statistical indicators for statistics, and 1 indicates that the transactions involved in the accounting subject are included in the statistical indicators for statistics.

[0098] In one embodiment, the accounting entry data at least includes business fields including account number, accounting subject, debit and credit direction, transaction account number, transaction amount and transaction time;

[0099] The pipeline data acquisition module 430 is specifically used for:

[0100] The business fields are cleaned, and the accounting entry flow data at least includes business fields such as account number, accounting subject, debit and credit direction, transaction account, transaction amount and transaction time. For each transaction in the accounting entry flow data, according to the parameter configuration in the regulatory indicator statistical caliber mapping document, an indicator field with a length of N bits is added to the transaction with an accounting subject mapping relationship, and the indicator field is the same as the field in the accounting subject mapping parameter; for the fields without an accounting subject mapping relationship, data cleaning is performed and they are not included in the processing and calculation process.

[0101] In one embodiment, the data filtering module 440 is specifically used for:

[0102] The accounting entry flow data is loaded, and whether the transaction belongs to a related party is determined by the account information; if the account information corresponding to the transaction in the accounting entry flow data is not within the account range of the related party list, the transaction is cleaned and not included in the processing and calculation process; if it is within the account range of the related party list, the transaction data is retained.

[0103] In one embodiment, the data marking module 450 is specifically used for:

[0104] For each transaction, one account is corresponding to each transaction, and N regulatory identification information is extracted according to the additional indicator fields;

[0105] The transaction and the corresponding regulatory identification information are loaded into the distributed search and analysis engine, and each piece of data includes at least related party information, account number, accounting subject, debit and credit direction, transaction account number, transaction amount, transaction time and indicator field.

[0106] In one embodiment, the indicator identification module 460 is specifically used to:

[0107] Set search items based on target related party information and regulatory identification information;

[0108] Using the distributed search and analysis engine, searching in the marked accounting entry flow data according to the search terms to obtain a data set that satisfies the search terms;

[0109] For the data set, an indicator calculation engine is used to perform indicator calculation to identify transaction risk indicators.

[0110] It should be noted that although several modules of the transaction indicator identification and processing device based on accounting entry flow data are mentioned in the above detailed description, this division is only exemplary and not mandatory. In fact, according to an embodiment of the present invention, the features and functions of two or more modules described above can be concretized in one module. Conversely, the features and functions of one module described above can be further divided into multiple modules to be concretized.

[0111] Based on the above invention concept, Figure 5 As shown, the present invention also proposes a computer device 500, including a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and executable on the processor 520, wherein the processor 520 implements the aforementioned transaction indicator identification and processing method based on accounting entry flow data when executing the computer program 530.

[0112] Based on the aforementioned inventive concept, the present invention proposes a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the aforementioned transaction indicator identification and processing method based on accounting entry flow data.

[0113] Based on the aforementioned inventive concept, the present invention proposes a computer program product, which includes a computer program, and when the computer program is executed by a processor, a transaction indicator identification and processing method based on accounting entry flow data is implemented.

[0114] Compared with the prior art, the present invention has made improvements in at least the following aspects: using accounting entry flow as the only aggregate data source for extracting related transaction data; relying on the IT system to complete the monitoring of the head office system data source, the identification of related transaction data, and the processing of regulatory data; completing the calculation of related party risk indicators within a millisecond response time to ensure the rapid response of the transaction system.

[0115] The transaction indicator identification and processing method and device based on accounting entry flow data proposed by the present invention are as follows: obtaining a list of related parties; receiving a regulatory indicator statistical caliber mapping document; wherein, in the regulatory indicator statistical caliber mapping document, each accounting subject corresponds to a group of indicators, and each field of the indicator represents the caliber included in the calculation of the corresponding indicator; obtaining accounting entry flow data, wherein, for transactions with accounting subject mapping relationships, adding indicators to the transactions according to the regulatory indicator statistical caliber mapping document; filtering the accounting entry flow data according to the related party list, and eliminating the accounting entry flow data that does not belong to the account range corresponding to the related party list; according to the regulatory indicator statistical caliber mapping document, using the accounting subject to filter each filtered account The accounting entry flow data is marked; according to the marked accounting entry flow data, a search is performed according to the set search items to obtain a data set that meets the search items, and transaction risk indicators are identified according to the data set; the overall solution uses accounting entry flow as the only aggregate data source for extracting related transaction data. Accounting entry flow is one of the most reliable data sources for all banks, and naturally has the characteristics of accurate data and comprehensive coverage. It is more reasonable to use it as a data source for collecting regulatory data; at the same time, the present invention only relies on the general ledger system to complete the confirmation of the scope of related transaction data, and has the characteristics of simple IT system architecture, low failure rate and low cost; the overall solution can meet the needs of the transaction system to quickly obtain related transaction indicators, and provide strong technical support for bank transaction scenarios.

[0116] The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of laws and regulations.

[0117] It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as methods, devices, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented 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.

[0118] The present invention is described with reference to flowcharts and / or block diagrams of methods and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks 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 1A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0119] 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.

[0120] 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.

[0121] Finally, it should be noted that the above-described embodiments are only specific implementations of the present invention, which are used to illustrate the technical solutions of the present invention, rather than to limit them. The protection scope of the present invention is not limited thereto. Although the present invention is described in detail with reference to the above-described embodiments, ordinary technicians in the field should understand that any technician familiar with the technical field can still modify the technical solutions recorded in the above-described embodiments within the technical scope disclosed by the present invention, or can easily think of changes, or make equivalent replacements for some of the technical features therein; and these modifications, changes or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims

1. A transaction indicator identification and processing method based on accounting entry flow data, characterized in that: The method includes: Obtain a list of related parties; Receive a regulatory indicator statistical caliber mapping document; wherein, in the regulatory indicator statistical caliber mapping document, each accounting subject corresponds to a set of indicators, and each field of the indicator represents the caliber included in the calculation of the corresponding indicator; Acquire accounting entry flow data, wherein, for transactions with accounting subject mapping relationships, add indicators to the transactions according to the regulatory indicator statistical caliber mapping document; According to the related party list, the accounting entry data is filtered to remove the accounting entry data that does not belong to the account range corresponding to the related party list; According to the regulatory indicator statistical caliber mapping document, use accounting subjects to mark each filtered accounting entry flow data; According to the marked accounting entry flow data, a search is performed according to the set search items to obtain a data set that meets the search items, and transaction risk indicators are identified based on the data set.

2. The transaction indicator identification and processing method based on accounting entry flow data according to claim 1 is characterized in that: Statistical list of related parties, including: Receive a list of related parties that need to be counted, each of which contains all account information involved in the related party.

3. The transaction indicator identification and processing method based on accounting entry flow data according to claim 1 is characterized in that: Receive regulatory indicator statistical caliber mapping documents, including: In the regulatory indicator statistical caliber mapping document, each regulatory identifier is associated with a unified accounting subject; wherein, each accounting subject is associated with an indicator field with a length of N bits, N is a positive integer, wherein, for any one bit of the indicator field, the value range is 0 or 1, 0 indicates that the transactions involved in the accounting subject are not included in the statistical indicators for statistics, and 1 indicates that the transactions involved in the accounting subject are included in the statistical indicators for statistics.

4. The transaction indicator identification and processing method based on accounting entry flow data according to claim 3 is characterized in that: The accounting entry data at least includes business fields such as account number, accounting subject, debit and credit direction, transaction account number, transaction amount and transaction time; Among them, obtaining accounting entry flow data includes: The business fields are cleaned, and the accounting entry flow data at least includes business fields such as account number, accounting subject, debit and credit direction, transaction account, transaction amount and transaction time. For each transaction in the accounting entry flow data, according to the parameter configuration in the regulatory indicator statistical caliber mapping document, an indicator field with a length of N bits is added to the transaction with an accounting subject mapping relationship, and the indicator field is the same as the field in the accounting subject mapping parameter; for the fields without an accounting subject mapping relationship, data cleaning is performed and they are not included in the processing and calculation process.

5. The transaction indicator identification and processing method based on accounting entry flow data according to claim 1 is characterized in that: According to the related party list, the accounting entry data is filtered to remove the accounting entry data that does not belong to the account range corresponding to the related party list, including: The accounting entry flow data is loaded, and whether the transaction belongs to a related party is determined by the account information; if the account information corresponding to the transaction in the accounting entry flow data is not within the account range of the related party list, the transaction is cleaned and not included in the processing and calculation process; if it is within the account range of the related party list, the transaction data is retained.

6. The transaction indicator identification and processing method based on accounting entry flow data according to claim 4 is characterized in that: According to the regulatory indicator statistical caliber mapping document, use accounting subjects to mark each accounting entry data after filtering, including: For each transaction, one account is corresponding to each transaction, and N regulatory identification information is extracted according to the additional indicator fields; The transaction and corresponding regulatory identification information are loaded into the distributed search and analysis engine. Each piece of data includes at least related party information, account number, accounting subject, debit and credit direction, transaction account number, transaction amount, transaction time and indicator fields.

7. The transaction index identification and processing method based on accounting entry flow data according to claim 6 is characterized in that: According to the marked accounting entry flow data, searching is performed according to the set search items to obtain a data set that meets the search items, and transaction risk indicators are identified according to the data set, including: Set search items based on target related party information and regulatory identification information; Using the distributed search and analysis engine, searching in the marked accounting entry flow data according to the search terms to obtain a data set that satisfies the search terms; For the data set, an indicator calculation engine is used to perform indicator calculation to identify transaction risk indicators.

8. A transaction index identification and processing device based on accounting entry flow data, characterized in that: The device includes: List acquisition module, used to obtain the list of related parties; A mapping document receiving module is used to receive a regulatory indicator statistical caliber mapping document; wherein, in the regulatory indicator statistical caliber mapping document, each accounting subject corresponds to a set of indicators, and each field of the indicator represents the caliber included in the calculation of the corresponding indicator; A flow data acquisition module is used to acquire the flow data of accounting entries, wherein, for transactions with accounting subject mapping relationships, an indicator is added to the transaction according to the regulatory indicator statistical caliber mapping document; A data filtering module, used to filter the accounting entry flow data according to the related party list, and remove the accounting entry flow data that does not belong to the account range corresponding to the related party list; A data labeling module is used to label each accounting entry flow data after filtering using accounting subjects according to the statistical caliber mapping document of the regulatory indicators; The indicator identification module is used to search according to the marked accounting entry flow data according to the set search items, obtain the data set that meets the search items, and identify the transaction risk indicator according to the data set.

9. The transaction index identification and processing device based on accounting entry flow data according to claim 8 is characterized in that: The list acquisition module is specifically used for: Receive a list of related parties that need to be counted, each of which contains all account information involved in the related party.

10. The transaction index identification and processing device based on accounting entry flow data according to claim 8, characterized in that: The mapping document receiving module is specifically used for: In the regulatory indicator statistical caliber mapping document, each regulatory identifier is associated with a unified accounting subject; wherein, each accounting subject is associated with an indicator field with a length of N bits, N is a positive integer, wherein, for any one bit of the indicator field, the value range is 0 or 1, 0 indicates that the transactions involved in the accounting subject are not included in the statistical indicators for statistics, and 1 indicates that the transactions involved in the accounting subject are included in the statistical indicators for statistics.

11. The transaction index identification and processing device based on accounting entry flow data according to claim 10, characterized in that: The accounting entry data at least includes business fields such as account number, accounting subject, debit and credit direction, transaction account number, transaction amount and transaction time; Wherein, the pipeline data acquisition module is specifically used for: The business fields are cleaned, and the accounting entry flow data at least includes business fields such as account number, accounting subject, debit and credit direction, transaction account, transaction amount and transaction time. For each transaction in the accounting entry flow data, according to the parameter configuration in the regulatory indicator statistical caliber mapping document, an indicator field with a length of N bits is added to the transaction with an accounting subject mapping relationship, and the indicator field is the same as the field in the accounting subject mapping parameter; for the fields without an accounting subject mapping relationship, data cleaning is performed and they are not included in the processing and calculation process.

12. The transaction index identification and processing device based on accounting entry flow data according to claim 8, characterized in that: The data filtering module is specifically used for: The accounting entry flow data is loaded, and whether the transaction belongs to a related party is determined by the account information; if the account information corresponding to the transaction in the accounting entry flow data is not within the account range of the related party list, the transaction is cleaned and not included in the processing and calculation process; if it is within the account range of the related party list, the transaction data is retained.

13. The transaction index identification and processing device based on accounting entry flow data according to claim 11, characterized in that: The data marking module is specifically used for: For each transaction, one account is corresponding to each transaction, and N regulatory identification information is extracted according to the additional indicator fields; The transaction and corresponding regulatory identification information are loaded into the distributed search and analysis engine. Each piece of data includes at least related party information, account number, accounting subject, debit and credit direction, transaction account number, transaction amount, transaction time and indicator fields.

14. The transaction index identification and processing device based on accounting entry flow data according to claim 13, characterized in that: The indicator identification module is specifically used for: Set search items based on target related party information and regulatory identification information; Using the distributed search and analysis engine, searching in the marked accounting entry flow data according to the search terms to obtain a data set that satisfies the search terms; For the data set, an indicator calculation engine is used to perform indicator calculation to identify transaction risk indicators.

15. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 7 is implemented.

16. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

17. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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