Accounting adjustment method, device and equipment of financial management product, medium and program product

Abstract

The invention discloses an accounting adjustment method, device and equipment for financial products, a medium and a program product. Comprising the following steps: extracting first data and second data of each subject of a financial product, and performing data difference check on each subject according to a pre-made difference check strategy; when it is detected that the first data and the second data of the target subject are different, whether the data difference of the target subject can be directly corrected or not is judged; when it is determined that the data difference of the target subject cannot be directly corrected, performing data cross validation on the target subject, and judging whether the target subject is abnormal or not; and when it is determined that the target subject is not abnormal, extracting difference characteristics of the target subject, and determining an accounting adjustment strategy of the target subject according to a K-proximity algorithm and the difference characteristics. According to the technical scheme, the method is suitable for the technical field of financial science and technology, the accounting checking can be automatically carried out, the proper accounting adjustment strategy is automatically selected when the difference exists according to the accounting, and the accounting checking efficiency is improved.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to methods, devices, equipment, media and program products for adjusting accounts of financial products. Background Art

[0002] With the rapid development of the financial market, the scale and data of wealth management products have shown explosive growth. In addition to investment transactions, account reconciliation with the custodian bank is also an important part of the operation of wealth management products, which plays a key role in ensuring the accurate and timely disclosure of the net value of the product.

[0003] At present, the account reconciliation in various valuation and accounting systems is carried out by automatically comparing the amounts and quantities of various accounts, and prompting whether they are consistent. However, the subsequent account adjustment strategies still need to be manually selected and processed, which seriously affects the quality and efficiency of the account reconciliation. Summary of the invention

[0004] The present invention provides an account adjustment method, device, equipment, medium and program product for a financial product, which can automatically perform account verification and automatically select a suitable account adjustment strategy when there are differences in the accounts, thereby improving the efficiency of account verification.

[0005] According to one aspect of the present invention, there is provided a method for adjusting the accounts of a financial product, comprising:

[0006] Extracting first data and second data of each item of the wealth management product from the wealth management product trading system and the custodian bank system respectively, and performing data difference check on each item according to a pre-established difference check strategy;

[0007] When it is detected that there is a difference between the first data and the second data of the target subject, determining whether the data difference of the target subject can be directly corrected;

[0008] When it is determined that the data difference of the target subject cannot be directly corrected, the data of the target subject is cross-validated to determine whether there is any abnormality in the target subject;

[0009] When it is determined that there is no abnormality in the target account, the difference characteristics of the target account are extracted, and the account adjustment strategy of the target account is determined based on the K-nearest neighbor algorithm and the difference characteristics, and the target account in the specified system is adjusted according to the account adjustment strategy.

[0010] Optionally, after determining whether the target subject has an abnormality, the following is also included:

[0011] When it is determined that the target subject has an abnormality, an abnormality analysis conclusion of the target subject is generated, and the abnormality analysis conclusion and the first data and the second data of each subject of the wealth management product are sent to the manual decision-making end;

[0012] Adjust the target items in the specified system based on the account adjustment strategy fed back by the manual decision-making end.

[0013] The advantage of this setting is that when there are anomalies in the target account, considering that the target account may involve accounting anomalies that may involve compliance risks, manual review can be used to conduct strict examinations based on relevant laws and regulations and internal compliance systems, and determine appropriate adjustment strategies to avoid violation risks.

[0014] Optionally, perform data difference checks on each subject according to a pre-defined difference check strategy, including:

[0015] Based on the first data and the second data of each account, the amount difference, quantity difference, time difference and data missing or duplication are checked separately, and when it is determined that at least one difference form matches, it is determined that the first data and the second data of the target account are different.

[0016] The advantage of this setting is that by using the difference check strategy to check data differences, rigorous and systematic data difference check results can be obtained, so that possible accounting inconsistencies can be efficiently and accurately located, laying a solid foundation for subsequent in-depth accounting analysis and adjustment work.

[0017] Optionally, when it is detected that there is a difference between the first data and the second data of the target account, determining whether the data difference of the target account can be directly corrected includes:

[0018] When it is detected that there is a difference between the first data and the second data of the target account, a plurality of reference data associated with the target account are determined in the wealth management product trading system and the custodian bank system according to the detected form of the difference;

[0019] Based on the reference data, determine whether the data difference of the target subject is caused by basic logic;

[0020] If so, it is determined that the data difference of the target account can be directly corrected, and the logical factors causing the data difference are obtained, and the target account in the specified system is adjusted according to the logical factors;

[0021] If not, it is determined that the data difference on the target account cannot be corrected directly.

[0022] The advantage of this setting is that it can locate the target account that can directly and clearly determine the cause of the difference, and then correct the target account based on the logical factors that cause the data difference. There is no need to enter into a complicated account adjustment process, and the problem account can be updated in the fastest way.

[0023] Optionally, perform data cross-validation on the target subject to determine whether there are any abnormalities in the target subject, including:

[0024] Obtain public market data on financial products and determine whether the data on the target items is consistent with public market data;

[0025] If so, it is determined that there is no abnormality in the target subject; if not, it is determined that there is an abnormality in the target subject.

[0026] The advantage of this setting is that it can further verify the authenticity of the data, and while detecting data differences, determine whether the data differences are caused by abnormal factors such as illegal operations, and effectively supervise the accounts of financial products.

[0027] Optionally, after adjusting the target subjects in the development system, it also includes:

[0028] Generate an adjustment report associated with the target account, and send the adjustment report to the manual decision-making end for technical personnel to check the adjustment content; wherein the adjustment report includes the first data, second data, difference form, account adjustment strategy, adjusted results and adjustment time of the target account.

[0029] The advantage of this setting is that after adjusting the target account in the system, an adjustment report associated with the target account is generated, which can leave a record of the account adjustment operation, comply with financial market supervision and internal audit requirements, and ensure the accuracy of account adjustments.

[0030] According to another aspect of the present invention, there is provided an account adjustment device for a financial product, comprising:

[0031] The difference checking module is used to extract the first data and the second data of each item of the wealth management product from the wealth management product trading system and the custodian bank system respectively, and perform data difference checking on each item according to a pre-defined difference checking strategy;

[0032] A correction detection module, used for determining whether the data difference of the target subject can be directly corrected when a difference is detected between the first data and the second data of the target subject;

[0033] The anomaly detection module is used to perform multi-dimensional data tracing and data cross-validation on the target subject to determine whether there is an anomaly in the target subject when it is determined that the data difference of the target subject cannot be directly corrected;

[0034] The adjustment strategy acquisition module is used to extract the difference characteristics of the target account when it is determined that there is no abnormality in the target account, and determine the account adjustment strategy of the target account based on the K-nearest neighbor algorithm and the difference characteristics, and adjust the target account in the specified system according to the account adjustment strategy.

[0035] According to another aspect of the present invention, an electronic device is provided, the electronic device comprising:

[0036] at least one processor; and

[0037] a memory communicatively connected to the at least one processor; wherein,

[0038] The memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the account adjustment method for the financial product described in any embodiment of the present invention.

[0039] According to another aspect of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the account adjustment method for a financial product described in any embodiment of the present invention when executed.

[0040] According to another aspect of the present invention, a computer program product is provided. The computer program product includes a computer program. When the computer program is executed by a processor, the account adjustment method of the financial product described in any embodiment of the present invention is implemented.

[0041] The technical solution of the embodiment of the present invention extracts the first data and the second data of each account of the wealth management product, and performs a data difference check on each account according to a pre-established difference check strategy. When it is checked that there is a difference between the first data and the second data of the target account, it is determined whether the data difference of the target account can be directly corrected. When it is determined that the data difference of the target account cannot be directly corrected, the data of the target account is cross-validated to determine whether there is an abnormality in the target account. When it is determined that there is no abnormality in the target account, the difference characteristics of the target account are extracted, and the account adjustment strategy of the target account is determined according to the K-nearest neighbor algorithm and the difference characteristics. The method can automatically perform account reconciliation, and when there is a difference in the account, automatically select a suitable account adjustment strategy to improve the efficiency of account reconciliation.

[0042] It should be understood that the contents described in this section are not intended to identify the key or important features of the embodiments of the present invention, nor are they intended to limit the scope of the present invention. Other features of the present invention will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0044] Figure 1 This is a flow chart of an account adjustment method for a financial product provided according to the first embodiment of the present invention;

[0045] Figure 2 is a flow chart of another method for adjusting the accounts of a financial product provided in accordance with the second embodiment of the present invention;

[0046] Figure 3 This is a schematic diagram of the structure of an account adjustment device for a financial product provided according to a third embodiment of the present invention;

[0047] Figure 4 It is a structural schematic diagram of an electronic device for implementing the account adjustment method of a financial product according to an embodiment of the present invention. DETAILED DESCRIPTION

[0048] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0049] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0050] It should be noted that the relevant information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this disclosure are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data comply with relevant laws, regulations and standards in relevant regions.

[0051] Embodiment 1

[0052] Figure 1This is a flowchart of a method for adjusting the accounts of a wealth management product provided in the first embodiment of the present invention. This embodiment is applicable to the situation of checking and adaptively adjusting the accounts of wealth management products in the wealth management product trading system and the custodian bank. The method can be executed by an account adjustment device for wealth management products. The account adjustment device for wealth management products can be implemented in the form of hardware and / or software, and can generally be configured in a computer or processor with data processing functions. Figure 1 As shown, the method includes:

[0053] S110, extracting first data and second data of each item of the wealth management product from the wealth management product trading system and the custodian bank system respectively, and performing data difference check on each item according to a pre-defined difference check strategy.

[0054] Optionally, the financial product trading system is an information platform used by financial institutions to manage a series of business processes of financial products, from issuance, sales, investment transactions to profit distribution. It records information on various transaction activities involved in financial products, such as investors' subscription and redemption operations, investment portfolio construction and adjustment, and collection and expenditure of related fees.

[0055] Optionally, the custodial bank system is a special system used by the custodial bank. The custodial bank undertakes important duties in the wealth management product business, such as ensuring the safety of funds and supervising investment operations. The system mainly records data related to the custody of wealth management product funds, including details of fund collection and payment, valuation and accounting information of entrusted assets, details of fund transactions with counterparties, etc. The data in the custodial bank system is interrelated and mutually verified with the data in the wealth management product trading system, which jointly ensure the accuracy and completeness of the wealth management product account information.

[0056] Optionally, the financial product account may refer to a category for classifying different types of financial assets, equity, and income and expenditure items in the financial product accounting system, such as a bank deposit account, accounts receivable and payable accounts, etc.

[0057] Optionally, the first data may refer to a data set of corresponding financial product items extracted from a financial product trading system; the second data may refer to a data set of corresponding financial product items extracted from a custodian bank system. The data recorded by the custodian bank system focuses on fund custody and supervision.

[0058] Optionally, according to the difference checking strategy, the first data extracted from the wealth management product trading system and the second data extracted from the custodian bank system may be compared and analyzed to determine whether there are any inconsistencies or differences between the two.

[0059] Optionally, the difference checking strategy may be: checking the amount difference, quantity difference, time difference, and data missing or duplication between the first data and the second data respectively.

[0060] The advantage of this setting is that by using the difference check strategy to check data differences, rigorous and systematic data difference check results can be obtained, so that possible accounting inconsistencies can be efficiently and accurately located, laying a solid foundation for subsequent in-depth accounting analysis and adjustment work.

[0061] S120: When it is detected that there is a difference between the first data and the second data of the target subject, it is determined whether the data difference of the target subject can be directly corrected.

[0062] When it is detected that there is a difference between the first data and the second data of the target subject, determining whether the data difference of the target subject can be directly corrected may include:

[0063] When it is detected that there is a difference between the first data and the second data of the target account, a plurality of reference data associated with the target account are determined in the wealth management product trading system and the custodian bank system according to the detected form of the difference;

[0064] Based on the reference data, determine whether the data difference of the target subject is caused by basic logic;

[0065] If so, it is determined that the data difference of the target account can be directly corrected, and the logical factors causing the data difference are obtained, and the target account in the specified system is adjusted according to the logical factors;

[0066] If not, it is determined that the data difference on the target account cannot be corrected directly.

[0067] Optionally, the difference form may correspond to the difference checking strategy, and the difference form may include amount difference, quantity difference, time difference, and missing or repeated data.

[0068] Optionally, reference data may refer to other relevant data in the wealth management product trading system and the custodial bank system that has a logical association or business association with the target account. The reference data may assist in determining the cause of the target account data difference.

[0069] Optionally, basic logic can refer to some basic rules or processes followed in the business operation and accounting processing of wealth management products. For example, when there is a difference in the amount of a wealth management product, the entry time can be detected to determine whether the difference is caused by different entry times. The network status can also be detected to determine whether the data delay is caused by network factors. The data difference caused by basic logic generally has a clear basis and can be directly corrected according to the basic logic. The entry time and network factors can be understood as logical factors that cause data differences.

[0070] The advantage of this setting is that it can locate the target account that can directly and clearly determine the cause of the difference, and then correct the target account based on the logical factors that cause the data difference. There is no need to enter into a complicated account adjustment process, and the problem account can be updated in the fastest way.

[0071] S130. When it is determined that the data difference of the target subject cannot be directly corrected, cross-validate the data of the target subject to determine whether there is any abnormality in the target subject.

[0072] Among them, cross-validation of data on the target subject to determine whether there is an abnormality in the target subject may include:

[0073] Obtain public market data on financial products and determine whether the data on the target items is consistent with public market data;

[0074] If so, it is determined that there is no abnormality in the target subject; if not, it is determined that there is an abnormality in the target subject.

[0075] Optionally, public market data may refer to financial product data released by financial data providers, regulatory agencies, etc., such as net value, asset allocation ratio, portfolio composition, real-time prices of various assets, daily trading volume of assets, market yield, etc., which are only used for illustrative purposes here.

[0076] Optionally, the first and second data of the target items of the wealth management product can be judged to be reasonable based on the public market data. For example, if the expense expenditure of a wealth management product suddenly increases significantly in the near future and is inconsistent with the historical data and market conditions, it is necessary to review the detailed items of expense expenditure and the corresponding contract agreement in detail to determine whether there is any incorrect accounting or illegal operation.

[0077] The advantage of this setting is that it can further verify the authenticity of the data, and while detecting data differences, determine whether the data differences are caused by abnormal factors such as illegal operations, and effectively supervise the accounts of financial products.

[0078] S140. When it is determined that there is no abnormality in the target account, extract the difference characteristics of the target account, and determine the account adjustment strategy of the target account based on the K-nearest neighbor algorithm and the difference characteristics, and adjust the target account in the specified system according to the account adjustment strategy.

[0079] Optionally, the difference feature can be a key attribute or indicator with representativeness and analytical value extracted from the target account when no abnormality is found in the target account data after inspection but there is still a difference between the first data and the second data. For example, for the amount difference, the difference feature may include the size of the difference amount, the ratio of the difference amount to the total value of the target account; for the quantity difference, it may include the value of the difference quantity, the proportion of the difference quantity in the total position, and other information.

[0080] Optionally, the accounting adjustment strategy can refer to the specific processing method or operation steps determined for the target account data difference. For example, if the difference is due to a calculation error or inconsistent algorithm, the strategy may be to correct the incorrect calculation and update the data in the corresponding system. Different combinations of difference characteristics will correspond to different accounting adjustment strategies.

[0081] Optionally, the designated system may refer to a system with data errors, which may be a wealth management product trading system or a custodial bank system, and both systems may be corrected at the same time.

[0082] Optionally, determining the account adjustment strategy of the target account based on the K-nearest neighbor algorithm and the difference characteristics may include: calculating the distance between the current difference characteristics of the target account and the difference characteristics in each historical case in the feature space, and screening out the first number of cases that are closest as neighbor cases; determining the account adjustment strategy of the current target account based on the account adjustment strategy corresponding to the first number of neighbor cases.

[0083] The technical solution of the embodiment of the present invention extracts the first data and the second data of each account of the wealth management product, and performs a data difference check on each account according to a pre-established difference check strategy. When it is checked that there is a difference between the first data and the second data of the target account, it is determined whether the data difference of the target account can be directly corrected. When it is determined that the data difference of the target account cannot be directly corrected, the data of the target account is cross-validated to determine whether there is an abnormality in the target account. When it is determined that there is no abnormality in the target account, the difference characteristics of the target account are extracted, and the account adjustment strategy of the target account is determined according to the K-nearest neighbor algorithm and the difference characteristics. The method can automatically perform account reconciliation, and when there is a difference in the account, automatically select a suitable account adjustment strategy to improve the efficiency of account reconciliation.

[0084] Embodiment 2

[0085] Figure 2This is a flow chart of a method for adjusting the accounts of a financial product provided by Embodiment 2 of the present invention. This embodiment specifically describes the method for adjusting the accounts of a financial product based on the above embodiments. Figure 2 As shown, the method includes:

[0086] S210. Extracting first data and second data of each item of the wealth management product from the wealth management product trading system and the custodian bank system respectively.

[0087] S220. Based on the first data and the second data of each account, the amount difference, quantity difference, time difference, and missing or repeated data are checked separately, and when it is determined that at least one difference form matches, it is determined that a difference exists between the first data and the second data of the target account.

[0088] S230: When it is detected that there is a difference between the first data and the second data of the target account, multiple reference data associated with the target account are determined in the wealth management product trading system and the custodian bank system according to the detected form of the difference.

[0089] S240. Determine, based on the reference data, whether the data difference of the target subject is caused by the basic logic; if so, execute step S250; if not, execute step S260.

[0090] S250, determining that the data difference of the target account can be directly corrected, and obtaining the logical factors causing the data difference, and adjusting the target account in the designated system according to the logical factors.

[0091] S260. Determine that the data difference of the target subject cannot be directly corrected, obtain the market public data of the wealth management product, and determine whether the data of the target subject is consistent with the market public data; if so, execute step S270; if not, execute step S280.

[0092] S270. When it is determined that there is no abnormality in the target account, extract the difference characteristics of the target account, and determine the account adjustment strategy of the target account based on the K-nearest neighbor algorithm and the difference characteristics, and adjust the target account in the specified system according to the account adjustment strategy.

[0093] S280. When it is determined that an abnormality exists in the target subject, an abnormality analysis conclusion of the target subject is generated, and the abnormality analysis conclusion and the first data and the second data of each subject of the wealth management product are sent to the manual decision-making end; execute step S290.

[0094] S290. Adjust the target account in the designated system according to the account adjustment strategy fed back by the manual decision-making end.

[0095] The advantage of this setting is that when there are anomalies in the target account, considering that the target account may involve accounting anomalies that may involve compliance risks, manual review can be used to conduct strict examinations based on relevant laws and regulations and internal compliance systems, and determine appropriate adjustment strategies to avoid violation risks.

[0096] Optionally, after adjusting the target subjects in the development system, it can also include:

[0097] Generate an adjustment report associated with the target account, and send the adjustment report to the manual decision-making end for technical personnel to check the adjustment content; wherein the adjustment report includes the first data, second data, difference form, account adjustment strategy, adjusted results and adjustment time of the target account.

[0098] Optionally, after adjusting the target account in the development system, an adjustment report associated with the target account is generated, which can leave a record of the account adjustment operation, comply with financial market supervision and internal audit requirements, and ensure the accuracy of account adjustments. By having technical personnel check the adjustment report, possible errors or unreasonableness can be discovered in a timely manner to ensure that the final account data is accurate.

[0099] The technical solution of the embodiment of the present invention extracts the first data and the second data of each account of the wealth management product, and performs a data difference check on each account according to a pre-established difference check strategy. When it is checked that there is a difference between the first data and the second data of the target account, it is determined whether the data difference of the target account can be directly corrected. When it is determined that the data difference of the target account cannot be directly corrected, the data of the target account is cross-validated to determine whether there is an abnormality in the target account. When it is determined that there is no abnormality in the target account, the difference characteristics of the target account are extracted, and the account adjustment strategy of the target account is determined according to the K-nearest neighbor algorithm and the difference characteristics. The method can automatically perform account reconciliation, and when there is a difference in the account, automatically select a suitable account adjustment strategy to improve the efficiency of account reconciliation.

[0100] Embodiment 3

[0101] Figure 3 This is a schematic diagram of the structure of an account adjustment device for a financial product provided by Embodiment 3 of the present invention. Figure 3 As shown, the device includes: a difference checking module 310 , a correction detection module 320 , an anomaly detection module 330 and an adjustment strategy acquisition module 340 .

[0102] The difference checking module 310 is used to extract the first data and the second data of each item of the wealth management product from the wealth management product trading system and the custodian bank system respectively, and perform data difference checking on each item according to a pre-defined difference checking strategy.

[0103] The correction detection module 320 is used to determine whether the data difference of the target subject can be directly corrected when it is detected that there is a difference between the first data and the second data of the target subject.

[0104] The anomaly detection module 330 is used to perform multi-dimensional data tracing and data cross-validation on the target subject to determine whether there is an anomaly in the target subject when it is determined that the data difference of the target subject cannot be directly corrected.

[0105] The adjustment strategy acquisition module 340 is used to extract the difference characteristics of the target account when it is determined that there is no abnormality in the target account, and determine the account adjustment strategy of the target account based on the K-nearest neighbor algorithm and the difference characteristics, and adjust the target account in the specified system according to the account adjustment strategy.

[0106] The technical solution of the embodiment of the present invention extracts the first data and the second data of each account of the wealth management product, and performs a data difference check on each account according to a pre-established difference check strategy. When it is checked that there is a difference between the first data and the second data of the target account, it is determined whether the data difference of the target account can be directly corrected. When it is determined that the data difference of the target account cannot be directly corrected, the data of the target account is cross-validated to determine whether there is an abnormality in the target account. When it is determined that there is no abnormality in the target account, the difference characteristics of the target account are extracted, and the account adjustment strategy of the target account is determined according to the K-nearest neighbor algorithm and the difference characteristics. The method can automatically perform account reconciliation, and when there is a difference in the account, automatically select a suitable account adjustment strategy to improve the efficiency of account reconciliation.

[0107] On the basis of the above embodiments, an abnormal account adjustment module may also be included, which is used to:

[0108] When it is determined that the target subject has an abnormality, an abnormality analysis conclusion of the target subject is generated, and the abnormality analysis conclusion and the first data and the second data of each subject of the wealth management product are sent to the manual decision-making end;

[0109] Adjust the target items in the specified system based on the account adjustment strategy fed back by the manual decision-making end.

[0110] Based on the above embodiments, the difference checking module 310 can be specifically used for:

[0111] Based on the first data and the second data of each account, the amount difference, quantity difference, time difference and data missing or duplication are checked separately, and when it is determined that at least one difference form matches, it is determined that the first data and the second data of the target account are different.

[0112] Based on the above embodiments, the correction detection module 320 can be specifically used for:

[0113] When it is detected that there is a difference between the first data and the second data of the target account, a plurality of reference data associated with the target account are determined in the wealth management product trading system and the custodian bank system according to the detected form of the difference;

[0114] Based on the reference data, determine whether the data difference of the target subject is caused by basic logic;

[0115] If so, it is determined that the data difference of the target account can be directly corrected, and the logical factors causing the data difference are obtained, and the target account in the specified system is adjusted according to the logical factors;

[0116] If not, it is determined that the data difference on the target account cannot be corrected directly.

[0117] Based on the above embodiments, the anomaly detection module 330 can be specifically used for:

[0118] Obtain public market data on financial products and determine whether the data on the target items is consistent with public market data;

[0119] If so, it is determined that there is no abnormality in the target subject; if not, it is determined that there is an abnormality in the target subject.

[0120] Based on the above embodiments, a report generation module may be further included, which is used to:

[0121] Generate an adjustment report associated with the target account, and send the adjustment report to the manual decision-making end for technical personnel to check the adjustment content; wherein the adjustment report includes the first data, second data, difference form, account adjustment strategy, adjusted results and adjustment time of the target account.

[0122] The account adjustment device for a financial product provided in an embodiment of the present invention can execute the account adjustment method for a financial product provided in any embodiment of the present invention, and has functional modules and beneficial effects corresponding to the execution method.

[0123] Embodiment 4

[0124] Figure 4A schematic diagram of the structure of an electronic device 10 that can be used to implement an embodiment of the present invention is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or required herein.

[0125] like Figure 4 As shown, the electronic device 10 includes at least one processor 11, and a memory connected to the at least one processor 11, such as a read-only memory (ROM) 12, a random access memory (RAM) 13, etc., wherein the memory stores a computer program that can be executed by at least one processor, and the processor 11 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 12 or the computer program loaded from the storage unit 18 to the random access memory (RAM) 13. In the RAM 13, various programs and data required for the operation of the electronic device 10 can also be stored. The processor 11, the ROM 12, and the RAM 13 are connected to each other through a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0126] A number of components in the electronic device 10 are connected to the I / O interface 15, including: an input unit 16, such as a keyboard, a mouse, etc.; an output unit 17, such as various types of displays, speakers, etc.; a storage unit 18, such as a disk, an optical disk, etc.; and a communication unit 19, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0127] The processor 11 may be any general and / or dedicated processing component with processing and computing capabilities. Some examples of the processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various dedicated artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, digital signal processors (DSPs), and any appropriate processors, controllers, microcontrollers, etc. The processor 11 executes the various methods and processes described above, such as the account adjustment method for the financial product described in the embodiment of the present invention. That is:

[0128] Extracting first data and second data of each item of the wealth management product from the wealth management product trading system and the custodian bank system respectively, and performing data difference check on each item according to a pre-established difference check strategy;

[0129] When it is detected that there is a difference between the first data and the second data of the target subject, determining whether the data difference of the target subject can be directly corrected;

[0130] When it is determined that the data difference of the target subject cannot be directly corrected, the data of the target subject is cross-validated to determine whether there is any abnormality in the target subject;

[0131] When it is determined that there is no abnormality in the target account, the difference characteristics of the target account are extracted, and the account adjustment strategy of the target account is determined based on the K-nearest neighbor algorithm and the difference characteristics, and the target account in the specified system is adjusted according to the account adjustment strategy.

[0132] In some embodiments, the account adjustment method of the financial product may be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 18. In some embodiments, part or all of the computer program may be loaded and / or installed on the electronic device 10 via the ROM 12 and / or the communication unit 19. When the computer program is loaded into the RAM 13 and executed by the processor 11, one or more steps of the account adjustment method of the financial product described above may be executed. Alternatively, in other embodiments, the processor 11 may be configured to execute the account adjustment method of the financial product in any other appropriate manner (e.g., by means of firmware).

[0133] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0134] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that when the computer program is executed by the processor, the functions / operations specified in the flow chart and / or block diagram are implemented. The computer program may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.

[0135] In the context of the present invention, a computer-readable storage medium may be a tangible medium that may contain or store a computer program for use by or in combination with an instruction execution system, device or equipment. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0136] To provide interaction with a user, the systems and techniques described herein may be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and a pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices may also be used to provide interaction with the user; for example, the feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form (including acoustic input, voice input, or tactile input).

[0137] The systems and techniques described herein may be implemented in a computing system that includes backend components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system may be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0138] A computing system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The client and server relationship is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services.

[0139] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps described in the present invention can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution of the present invention can be achieved, and this document does not limit this.

[0140] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for adjusting the accounts of a financial product, characterized in that: include: Extracting first data and second data of each item of the wealth management product from the wealth management product trading system and the custodian bank system respectively, and performing data difference check on each item according to a pre-established difference check strategy; When it is detected that there is a difference between the first data and the second data of the target subject, determining whether the data difference of the target subject can be directly corrected; When it is determined that the data difference of the target subject cannot be directly corrected, the data of the target subject is cross-validated to determine whether there is any abnormality in the target subject; When it is determined that there is no abnormality in the target account, the difference characteristics of the target account are extracted, and the account adjustment strategy of the target account is determined based on the K-nearest neighbor algorithm and the difference characteristics, and the target account in the specified system is adjusted according to the account adjustment strategy.

2. The method according to claim 1, characterized in that After determining whether the target subject has an abnormality, it also includes: When it is determined that the target subject has an abnormality, an abnormality analysis conclusion of the target subject is generated, and the abnormality analysis conclusion and the first data and the second data of each subject of the wealth management product are sent to the manual decision-making end; Adjust the target items in the specified system based on the account adjustment strategy fed back by the manual decision-making end.

3. The method according to claim 1, characterized in that According to the pre-established difference checking strategy, data difference checking is performed on each subject, including: Based on the first data and the second data of each account, the amount difference, quantity difference, time difference and data missing or duplication are checked separately, and when it is determined that at least one difference form matches, it is determined that the first data and the second data of the target account are different.

4. The method according to claim 3, characterized in that When it is detected that there is a difference between the first data and the second data of the target account, it is determined whether the data difference of the target account can be directly corrected, including: When it is detected that there is a difference between the first data and the second data of the target account, a plurality of reference data associated with the target account are determined in the wealth management product trading system and the custodian bank system according to the detected form of the difference; Based on the reference data, determine whether the data difference of the target subject is caused by basic logic; If so, it is determined that the data difference of the target account can be directly corrected, and the logical factors causing the data difference are obtained, and the target account in the specified system is adjusted according to the logical factors; If not, it is determined that the data difference on the target account cannot be corrected directly.

5. The method according to claim 1, characterized in that Perform data cross-validation on the target subject to determine whether there are any abnormalities in the target subject, including: Obtain public market data on financial products and determine whether the data on the target items is consistent with public market data; If so, it is determined that there is no abnormality in the target subject; if not, it is determined that there is an abnormality in the target subject.

6. The method according to claim 4, characterized in that After adjusting the target subjects in the formulation system, it also includes: Generate an adjustment report associated with the target account, and send the adjustment report to the manual decision-making end for technical personnel to check the adjustment content; wherein the adjustment report includes the first data, second data, difference form, account adjustment strategy, adjusted results and adjustment time of the target account.

7. An account adjustment device for a financial product, characterized in that: include: The difference checking module is used to extract the first data and the second data of each item of the wealth management product from the wealth management product trading system and the custodian bank system respectively, and perform data difference checking on each item according to a pre-defined difference checking strategy; A correction detection module, used for determining whether the data difference of the target subject can be directly corrected when a difference is detected between the first data and the second data of the target subject; The anomaly detection module is used to perform multi-dimensional data tracing and data cross-validation on the target subject to determine whether there is an anomaly in the target subject when it is determined that the data difference of the target subject cannot be directly corrected; The adjustment strategy acquisition module is used to extract the difference characteristics of the target account when it is determined that there is no abnormality in the target account, and determine the account adjustment strategy of the target account based on the K-nearest neighbor algorithm and the difference characteristics, and adjust the target account in the specified system according to the account adjustment strategy.

8. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the account adjustment method for the financial product according to any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the account adjustment method for a financial product according to any one of claims 1 to 6 when executed.

10. 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 computer program implements the account adjustment method of the financial product according to any one of claims 1 to 6.

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