Configurable bank transaction detail analysis method and system

Abstract

The invention belongs to the technical field of data processing. The invention provides a configurable bank transaction detail analysis method and system, and the method comprises the steps: carrying out the verification and content reading of a to-be-matched message file, carrying out the element extraction of the file data after verification, extracting transaction information, and calling a message automatic matching parameter table to carry out the dynamic analysis and matching of the transaction information; if the analysis matching is completed, performing data persistence processing on the analyzed transaction information, and generating transaction detail data to be manually audited for financial operation personnel to complete financial reconciliation; if all the rules cannot be matched, recording failure reasons, and notifying manual intervention processing; according to the method, the transaction information of the message to be matched is dynamically analyzed according to the preset rule through the parameter matching rule, the workload of business personnel is greatly reduced, the parameter table rule is fed back through continuously accumulated experiences in actual business processing, and the business processing efficiency is improved. The accuracy of automatic matching and the efficiency of bank message transaction information matching are improved.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of data processing, in particular to a configurable bank transaction details analysis method and system. BACKGROUND

[0002] The statements in this section merely provide background technology related to the present application and do not necessarily constitute prior art.

[0003] In the traditional remittance and clearing business, the financial operation personnel need to download the statement message from the bank's enterprise online banking platform to complete the business reconciliation operation. Internationally, the statement message is a standard format message formulated by the international SWIFT organization, which is a safe and reliable communication between global financial institutions. MT940 is a kind of message format, which is used for financial operation personnel to match bank transaction information to complete the clearing business reconciliation. Each MT940 message clearly records the detailed transaction information of each account, including the sender identification, the loan identification, the transaction amount, the transaction date, and the TAG25 domain, 61 domain, 86 domain, etc. Detailed transaction information. Different digital domains record different transaction information.

[0004] In the existing transaction information analysis, it is usually necessary to process the message one by one to extract each transaction information and check with the related information. The manual checking of a large number of MT940 messages is time-consuming and has a high error rate, and to a large extent depends on the professionalism of the financial operation personnel. At present, there are also related message processing schemes in the industry, but the matching setting scheme is fixed in the processing of specific information, and the matching range is limited. Under the background of changing demand scenarios, it does not have configurability and scalability. SUMMARY

[0005] In order to solve the problems of the prior art, the present application provides a configurable bank transaction details analysis method and system, which can automatically and intelligently process transaction information in different scenarios, and improve the overall efficiency and accuracy of the financial company member unit reconciliation.

[0006] In order to achieve the above purpose, the present application adopts the following technical scheme: In a first aspect, the present application provides a configurable bank transaction details analysis method.

[0007] A configurable bank transaction details analysis method, comprising the following processes: Obtain the message file to be matched, check and read the content of the message file to be matched, extract the file data after passing the check, extract the transaction information and call the message automatic matching parameter table to dynamically analyze and match the transaction information; If the analysis matching is completed, data persistence processing is performed on the transaction information after the analysis is completed, transaction detail data to be manually audited is generated to enable financial operation personnel to complete financial reconciliation; if all rules cannot be matched, the failure reason is recorded and manual intervention processing is notified.

[0008] In an implementation form of the first aspect of the present application, the automatic matching parameter table of the message comprises but is not limited to the following fields: opposite account starting identifier, analysis sequence, judgment identifier, effective state, interception bit number, segmentation identifier and bank branch; The automatic matching parameter table of the message adopts a dynamic maintenance mechanism, and through business practice accumulation, the rule records in the automatic matching parameter table of the message are dynamically updated, and the rules are supported to be newly added, modified or deleted to adapt to the message format differences of different banks.

[0009] In an implementation form of the first aspect of the present application, the de-duplication checked message file to be matched is checked and content is read, comprising: The de-duplication of the message file is checked, the database is queried through the file name and operation state, if the file is marked as imported, repeated processing is refused; the segmented reading of the file to be matched is performed, the file content is read by line, the message content of the same transaction is combined as an independent paragraph with the field tag information as a delimiter, and the original line feed information is retained, and the content of the message file is read completely.

[0010] In an implementation form of the first aspect of the present application, the file data checked through is subjected to element extraction, transaction information is extracted and the automatic matching parameter table of the message is called to dynamically analyze and match the transaction information, comprising: According to the pre-configured automatic matching parameter table, the type and key field of the message to be matched are analyzed and direct matching is tried, and after the matching is completed, the persistence processing is performed; If the matching is not completed, the matching rule is dynamically adjusted, the field information of the message to be matched is judged, a new analysis rule is added and the matching process is re-executed.

[0011] As a further limitation of the first aspect of the present application, the type and key field of the message to be matched are analyzed, comprising: The associated items of the message are extracted, direct string matching is performed; if the matching is successful, the process is ended; if the matching fails, the multi-line field is combined, the message element is extracted, the field starting tag is identified, the subsequent supplementary line is marked with a preset symbol and combined into the current field, and a complete field element mapping list is generated.

[0012] As a further limitation of the first aspect of the present application, the message element is extracted, comprising: The account information is analyzed, the external bank account number, currency and transaction details are extracted, and the separators are combined as key-value pair type data; The transaction information is parsed, the interest starting date, the transaction date, the loan identification and the amount in the preset domain field are matched, the year information is completed in combination with the system date, and the date logic is dynamically adjusted according to the bank branch; The transaction type and the serial number are extracted by parsing the transaction type and the serial number.

[0013] As a further limitation of the first aspect of the application, the dynamic adjustment matching rule comprises: According to the newly added automatic matching parameter table, the account mapping is dynamically matched according to the external account number and the currency, the internal account number is called by calling the account service, the main account is parsed, the opposite account number is extracted in the preset domain field according to the rule, and the validity is verified; According to the newly added automatic matching parameter table, the transaction information mapping is dynamically matched, the interest starting date, the transaction date, the loan identification and the amount are extracted from the domain field according to the rule, and the validity is verified; According to the newly added automatic matching parameter table, the transaction type and the serial number extraction mapping are dynamically matched, the transaction type code is extracted from the domain field according to the rule, and the business reference number and the bank serial number are separated.

[0014] In an implementation mode of the first aspect of the application, the data persistence processing is performed on the transaction information after the parsing, comprising: The bank serial number is coded and formatted into currency@bank branch@date@loan direction@amount@account@serial number, the parsing result in the current batch is traversed, the repeated serial number is marked for de-duplication processing, and the database historical record is traversed for cross-batch verification; The transaction statistical information is summarized, the main table record is generated, the detail data is stored, the repeated state and the effective identification are marked; The number comparison information and the matching result before and after the storage are stored, the parameter table is fed back according to the artificial processing result, the rule with the matching failure frequency greater than the set threshold is newly added, or the priority and the content of the existing rule are adjusted, and the parameter table rule iteration update is used.

[0015] Secondly, the application provides a configurable bank transaction detail analysis system.

[0016] A configurable bank transaction detail analysis system comprises: The analysis unit is configured to: acquire a message file to be matched, verify and read the content of the message file to be matched, extract the element data of the verified file, extract the transaction information and call the message automatic matching parameter table to dynamically analyze and match the transaction information; The processing unit is configured to, if the parsing matching is completed, perform data persistence processing on the transaction information after the parsing is completed, generate transaction detail data to be manually audited for a financial operation personnel to complete financial reconciliation; if all rules cannot be matched, record the failure reason and notify manual intervention processing.

[0017] In a third aspect, the application provides a computer device, comprising: a processor and a computer readable storage medium; The processor is adapted to execute the computer program; The computer readable storage medium has a computer program stored therein, and the computer program is executed by the processor to realize the configurable bank transaction detail parsing method according to the first aspect of the application.

[0018] Compared with the prior art, the application has the beneficial effects that: The application innovatively provides a configurable bank transaction detail parsing method, which dynamically parses the transaction information of the to-be-matched message according to the preset rules through the parameter matching rules, greatly reduces the workload of business personnel, and continuously accumulates experience to feed back the parameter table rules in actual business processing, improves the accuracy of automatic matching, and improves the efficiency of bank message transaction information matching.

[0019] The application realizes the automation and standardization of transaction information processing by checking, element extraction and dynamic parsing of bank transaction detail messages, the dynamic parsing mechanism can adapt to different formats of messages, reduces manual intervention, and improves processing efficiency; after successful matching, to-be-audited detail is generated to assist financial reconciliation, and when failure occurs, the cause is recorded and manual intervention is notified, which not only ensures efficient processing of regular transactions, but also avoids missing of abnormal transactions through manual intervention mechanism, balances the automation efficiency and processing accuracy, and enhances the reliability and flexibility of bank transaction detail parsing.

[0020] The message automatic matching parameter table of the application contains multi-dimensional fields, which provides comprehensive rule basis for parsing. The dynamic maintenance mechanism allows rules to be added, modified or deleted through business practice, so that the system can adapt to the differences in message formats of different banks without reconstruction, the dynamic updating capability enables the system to continuously evolve with business expansion, reduces the system modification cost caused by format changes, improves the adaptation capability to the diversity of bank business, and enhances the expansibility and practicality of the method.

[0021] The deduplication verification of this invention avoids duplicate processing by using filenames and operation status, reducing redundant work and data chaos; it reads in segments, processes them line by line, and merges the same transaction content with field tags, while retaining the original line break information, ensuring the integrity and originality of the transaction information. This not only guarantees the uniqueness of the data but also maintains the original structure of the transaction information, providing an accurate foundation for subsequent parsing, improving the quality and efficiency of data processing, and reducing the error rate caused by duplication or incomplete information.

[0022] This invention first directly matches based on a preset parameter table to quickly process regular messages; when the matching is incomplete, the rules are dynamically adjusted, and new parsing rules are added for rematching. This enables flexible processing of messages without preset rules, breaks through the limitations of fixed rules, improves the message matching success rate, reduces the frequency of manual intervention due to missing rules, enhances the system's adaptability to complex and variable message formats, and improves the continuity and automation level of the overall parsing process.

[0023] This invention first quickly identifies related items through direct string matching. When the matching fails, it merges fields from multiple lines, extracts message elements, and generates a complete mapping list. This solves the problem of message fields being split across multiple lines, ensuring both the efficiency of simple matching and the integrity of key information through the field merging mechanism. It avoids information omissions or misreadings caused by field splitting, improves the accuracy and comprehensiveness of key field identification, and provides more reliable basic data for subsequent analysis.

[0024] This invention generates key-value pairs by parsing account information, standardizing the account data format; when parsing transaction information, it completes the year and dynamically adjusts the date logic to ensure the accuracy of time information; it separates key numbers by parsing transaction type and serial number, improving the data refinement. The structured extraction method of this invention transforms scattered message information into standardized and complete structured data, providing clear and accurate basic information for subsequent matching and reconciliation, and reducing processing errors caused by chaotic information formats.

[0025] This invention ensures accurate correspondence between external message information and internal system data formats by designing dynamic rule matching, and further guarantees data quality through validity verification. This enables the system to flexibly process diverse message content according to different rules, improving the accuracy of information conversion and the system's adaptability to complex business scenarios.

[0026] The serial number formatting and deduplication processing of this invention ensures data uniqueness, cross-batch verification avoids historical duplication, and the storage of details and statistical information facilitates traceability and auditing. The results of manual processing are fed back to the parameter table to realize rule iteration, which not only ensures the accuracy and integrity of persistent data, but also enables the system to continuously optimize rules through the feedback mechanism, improve the ability to handle complex scenarios, form a closed loop of "processing-feedback-optimization", and continuously improve the efficiency and accuracy of automated processing.

[0027] Advantages of additional aspects of the invention will be set forth in part in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. Attached Figure Description

[0028] The accompanying drawings, which form part of this invention, are used to provide a further understanding of the invention. The illustrative embodiments of the invention and their descriptions are used to explain the invention and do not constitute an improper limitation of the invention.

[0029] Figure 1 A flowchart illustrating a configurable bank transaction details parsing method provided as an exemplary embodiment of the present invention; Figure 2 This is a schematic diagram illustrating the process of verifying and reading the content of a message file to be matched, provided as an exemplary embodiment of the present invention. Figure 3 A schematic diagram illustrating the process of dynamically parsing transaction information by calling an automatically matched parameter table, as provided in an exemplary embodiment of the present invention; Figure 4 This is a schematic diagram illustrating the process of parsing the message type and key fields to be matched in an exemplary embodiment of the present invention in order to attempt a direct match; Figure 5 A flowchart illustrating the process of dynamically adjusting matching rules for parsing a message to be matched, provided as an exemplary embodiment of the present invention; Figure 6 A schematic diagram illustrating the process of persisting data on transaction information after parsing, provided as an exemplary embodiment of the present invention; Figure 7 A schematic diagram of a configurable bank transaction details parsing system provided as an exemplary embodiment of the present invention; Figure 8 A schematic diagram of a computer device provided for an exemplary embodiment of the present invention. Detailed Implementation

[0030] The present invention will be further described below with reference to the accompanying drawings and embodiments.

[0031] It should be noted that the following detailed descriptions are exemplary and intended to provide further illustration of the invention. Unless otherwise specified, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention pertains.

[0032] As described in the background section, in the field of internet finance, when reconciliation of corporate transaction details is not completed, financial operations personnel typically need to download the corresponding transaction detail messages from the bank's online banking system and manually verify them to extract transaction information. This is a tedious, time-consuming task prone to errors. Therefore, this implementation proposes a configurable method for parsing bank transaction details. Using automated, configurable matching rules, it reduces the risk of manual verification and improves message processing speed. Financial operations personnel obtain the bank messages to be matched from the bank's online banking system or other channels, import them into the message processing system, and after deduplication and verification of the database file, call the message automatic matching parameter table to convert the relevant information of the messages to be matched.

[0033] The parsing method proposed in this invention can be executed by a message processing business system. The configuration model unit in the process allows the use of a pre-built model, and also allows for the customization of configuration rule parameters according to requirements, in order to help improve scalability, such as... Figure 1 As shown, the process includes the following: S100-1: Obtain the MT940 message to be processed; S100-2: Configure the transaction matching model in the bank message system database; S100-3: The message processing system receives the message to be matched and calls the configuration model from the database; S100-4: Transform the transaction information according to the matching rules. If the transaction information to be matched satisfies one or more of the matching rule models, the parsing of the transaction information to be matched is completed.

[0034] In this implementation, the message automatic matching parameter table created in the database of the message processing system includes, but is not limited to, the following core fields: counterparty account start identifier (ACCT_SIGN_START), parsing order (ANAL_SEQ), judgment identifier (ANAL_SIGN), effective status (EFFECT_STATUS), truncation bits (EXTRACT_NUM), segmentation identifier (SEGMENT_SIGN), and bank type (YHJKDEF_JKBH).

[0035] The message auto-matching parameter table in this implementation adopts a dynamic maintenance mechanism. Through business practice, the rule records in the message auto-matching parameter table are dynamically updated, and rules can be added, modified, or deleted to adapt to the differences in message formats of different banks.

[0036] In this implementation, the automatic matching parameter table is called to transform the relevant information of the message to be matched. Specifically, the bank message processing system verifies and reads the content of the message file to be matched, extracts elements from the verified file data, extracts key information, and calls the automatic matching parameter table to dynamically parse the transaction information. If the parsing and matching are successful, the parsed transaction information is persisted to generate transaction details data for manual review by financial operations personnel to complete financial reconciliation. If all rules fail to match, the reason for the failure is recorded, and manual intervention is notified.

[0037] In this implementation, the bank message processing system verifies and checks the content of the message file to be matched, such as... Figure 2 As shown, the process includes the following: Step S201: File deduplication verification. Query the database by filename and operation status. If the file has been marked as "imported", reject the duplicate processing.

[0038] Step S202: Read the file to be matched in segments, reading the file content line by line. Using field tag information (such as TAG20 field, TAG 25 field) as delimiters, merge the message content of the same transaction into independent paragraphs, and retain the original line break information. End this process after reading is completed.

[0039] In this implementation, the verified file data is processed by extracting elements, key information is extracted, and the transaction information is dynamically parsed using an automatic matching parameter table. Specifically, for example... Figure 3 As shown, the process includes the following: Step S301: Based on the pre-configured automatic matching parameter table, for the messages to be matched (such as fund transfer messages MT202 / MT910 and remittance instruction messages MT103, or account statement messages MT940 / MT950 and MT103), parse their type and key fields and attempt to match them directly. If the match is successful, persist the data; otherwise, proceed to step 302. Step S302: Dynamically adjust the matching rules, manually judge the field information of the message to be matched, and manually add new parsing rules for the unpreset matching rules. For example, for line matching: add a pre-configured parsing rule to match the bank identifier keyword in the TAG 86 field information and dynamically map the bank line code; after the pre-configuration is completed, re-execute step 301.

[0040] In this implementation, the type and key fields of the message to be matched are parsed, and a direct match is attempted. Specifically, for example... Figure 4 As shown, the process includes the following: Step S401: Extract the associated items of the message (such as the "related account number" of MT940) and perform direct string matching; if the match is successful, the process ends; if it fails, proceed to step S402. Step S402: Merge multiple rows of fields, extract message elements, identify the starting tags of fields (such as TAG 61 field, TAG 86 field), mark subsequent supplementary rows with preset symbols and merge them into the current field, generate a complete field element mapping list, and ensure the integrity of the matched data.

[0041] In this implementation, message elements are extracted, and commonly used key fields are further parsed, including: Step S401-1: Further parse the account information, extract the external bank account number from the TAG 25 field, extract the currency from the TAG 60F or TAG 60M field, extract the transaction details from the TAG 61 and TAG 86 fields, and combine them into key-value pair data using delimiters; Step S401-2: Further parse the transaction information, match the interest accrual date, transaction date, loan identifier and amount in the TAG 61 field, combine the system date completion year information, and dynamically adjust the date logic according to the bank type (such as the difference in the date field order between Bank of China and other banks). Step S401-3: Further analyze the transaction type and serial number extraction, extract the transaction type code (such as N123) from the TAG 61 field, and separate the business reference number and bank serial number.

[0042] In this implementation, the matching rules are dynamically adjusted by parsing the message to be matched. Specifically, as follows: Figure 5 As shown, the process includes the following: Step S500: Based on the newly added automatic matching parameter table, dynamically match account mapping according to rules. Based on the external account and currency, call the account service to map the internal account number, parse the main account, extract the other party's account in the TAG 86 field according to the rules, and verify its validity. Step S501: Based on the newly added automatic matching parameter table, dynamically match the transaction information mapping according to the rules, extract the interest accrual date, transaction date, loan identifier and amount from the TAG 61 field according to the rules, and verify its validity; Step S502: Based on the newly added automatic matching parameter table, dynamically match the transaction type and serial number extraction mapping according to the rules, extract the transaction type code from the TAG 61 field according to the rules, and separate the business reference number and the bank serial number.

[0043] In this implementation, the parsed transaction information is persisted as data, such as... Figure 6 As shown, specifically, including: Step S601: Format the bank transaction number as "currency@bank@date@loan direction@amount@account@transaction number", iterate through the parsing results in the current batch, mark duplicate transaction numbers and perform deduplication to ensure uniqueness within the batch; iterate through the database history records and perform cross-batch verification to avoid duplicate data entry into the database; Step S602: Summarize transaction statistics, including but not limited to the number of payments and receipts, total amount, etc., generate main table records, store detailed data, mark duplicate status and effective identifier; store the number comparison information and matching results before and after conversion, feed back to the parameter table based on the manual processing results, add rules for high-frequency matching failures, or adjust the priority and content of existing rules for the iterative update of parameter table rules.

[0044] In summary, the configurable transaction information matching model matches and processes MT940 messages, automatically extracting transaction information. Compared to manual processing, this significantly reduces the error rate, improves data accuracy and verification timeliness, and allows the model to be flexibly adjusted to adapt to different scenarios, increasing scalability and meeting future evolving business needs.

[0045] Figure 7 A configurable bank transaction details parsing system is shown, including: The parsing unit 701 is configured to: obtain the message file to be matched, verify and read the content of the message file to be matched, extract the elements of the file data after verification, extract the transaction information, and call the message automatic matching parameter table to dynamically parse and match the transaction information; Processing unit 702 is configured to: if parsing and matching are completed, persist the parsed transaction information to generate transaction details data for manual review so that financial operations personnel can complete financial reconciliation; if all rules cannot be matched, record the reason for failure and notify manual intervention.

[0046] It is understood that the aforementioned units can be individually or entirely merged into one or more other units, or some of the units can be further divided into multiple functionally smaller units. This achieves the same operation without affecting the technical effects of the embodiments of this application. The aforementioned units are based on logical functional division. In practical applications, the function of one unit can be implemented by multiple units, or the function of multiple units can be implemented by one unit. In other embodiments of this application, the system may also include other units. In practical applications, these functions can also be implemented with the assistance of other units, and can be implemented collaboratively by multiple units.

[0047] According to another embodiment of this application, the system described in this embodiment can be constructed by running a computer program (including program code) capable of performing the steps involved in the corresponding method of the present invention on a general-purpose computing device, such as a computer, which includes processing elements and storage elements such as a central processing unit (CPU), random access memory (RAM), and read-only memory (ROM). The computer program can be recorded on, for example, a computer-readable recording medium, loaded into the aforementioned computing device through the computer-readable recording medium, and run therein.

[0048] Figure 8 A computer device is shown, which includes a processor 801, a communication interface 802, and a computer-readable storage medium 803. The processor 801, communication interface 802, and computer-readable storage medium 803 can be connected via a bus or other means.

[0049] The communication interface 802 is used to receive and send data. The computer-readable storage medium 803 can be stored in the memory of the electronic device. The computer-readable storage medium 803 is used to store computer programs, which include program instructions. The processor 801 is used to execute the program instructions stored in the computer-readable storage medium 803.

[0050] The processor 801 is the computing and control core of electronic devices. It is suitable for implementing one or more instructions, specifically for loading and executing one or more instructions to achieve corresponding methods or functions.

[0051] The processor 801 is configured to perform the following process: Obtain the message file to be matched, verify and read the content of the message file to be matched, extract the elements of the file data after the verification is passed, extract the transaction information, and call the message automatic matching parameter table to dynamically parse and match the transaction information; If the parsing and matching are successful, the transaction information is persisted and generated as transaction details for manual review by financial operations personnel to complete financial reconciliation. If all rules fail to match, the reason for the failure is recorded and manual intervention is notified.

[0052] This invention also provides a computer-readable storage medium, which is a memory device in an electronic device for storing programs and data. It is understood that the computer-readable storage medium here may include both built-in storage media in the electronic device and extended storage media supported by the electronic device. The computer-readable storage medium provides storage space for storing the processing system of the electronic device.

[0053] Furthermore, this storage space also contains one or more instructions suitable for loading and execution by the processor. These instructions can be one or more computer programs (including program code). It should be noted that the computer-readable storage medium here can be high-speed RAM memory or unstable memory, such as at least one disk storage device; optionally, it can also be at least one computer-readable storage medium located remotely from the aforementioned processor.

[0054] In one embodiment, the computer-readable storage medium stores one or more instructions; the processor loads and executes the one or more instructions stored in the computer-readable storage medium to perform the following process: Obtain the message file to be matched, verify and read the content of the message file to be matched, extract the elements of the file data after the verification is passed, extract the transaction information, and call the message automatic matching parameter table to dynamically parse and match the transaction information; If the parsing and matching are successful, the transaction information is persisted and generated as transaction details for manual review by financial operations personnel to complete financial reconciliation. If all rules fail to match, the reason for the failure is recorded and manual intervention is notified.

[0055] The present invention also provides a computer program product or computer program comprising computer instructions stored in a computer-readable storage medium. A processor of an electronic device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the electronic device to perform the following process: Obtain the message file to be matched, verify and read the content of the message file to be matched, extract the elements of the file data after the verification is passed, extract the transaction information, and call the message automatic matching parameter table to dynamically parse and match the transaction information; If the parsing and matching are successful, the transaction information is persisted and generated as transaction details for manual review by financial operations personnel to complete financial reconciliation. If all rules fail to match, the reason for the failure is recorded and manual intervention is notified.

[0056] Those skilled in the art will recognize that the units and algorithm steps of the various examples described in conjunction with the embodiments disclosed in this application can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are implemented in hardware or software depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of this application.

[0057] In the above embodiments, implementation can be achieved, in whole or in part, through software, hardware, firmware, or any combination thereof. When implemented in software, it can be implemented, in whole or in part, as a computer program product. A computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, all or part of the flow or function according to the embodiments of this application is generated. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions can be stored in or transmitted through a computer-readable storage medium. The computer instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via wired (e.g., coaxial cable, fiber optic cable, digital cable) or wireless (e.g., infrared, wireless, microwave, etc.). The computer-readable storage medium can be any available medium that a computer can access or a data processing device such as a server or data center that integrates one or more available media. The available medium can be a magnetic medium (e.g., floppy disk, hard disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium (e.g., solid-state drive), etc.

[0058] The above description is merely a preferred embodiment of the present invention and is not intended to limit the invention. Various modifications and variations can be made to the present invention by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the scope of protection of the present invention.

Claims

1. A configurable method for parsing bank transaction details, characterized in that, Includes the following processes: Obtain the message file to be matched, verify and read the content of the message file to be matched, extract the elements of the file data after the verification is passed, extract the transaction information, and call the message automatic matching parameter table to dynamically parse and match the transaction information; If the parsing and matching are successful, the transaction information is persisted and generated as transaction details for manual review by financial operations personnel to complete financial reconciliation. If all rules fail to match, the reason for the failure is recorded and manual intervention is notified.

2. The configurable bank transaction details parsing method as described in claim 1, characterized in that, The message auto-matching parameter table includes, but is not limited to, the following fields: starting identifier of the counterparty account, parsing order, judgment identifier, effective status, truncation length, segmentation identifier, and bank type; The automatic message matching parameter table adopts a dynamic maintenance mechanism. Through business practice, the rule records in the automatic message matching parameter table are dynamically updated, and rules can be added, modified, or deleted to adapt to the differences in message formats of different banks.

3. The configurable bank transaction details parsing method as described in claim 1, characterized in that, The process of verifying and reading the content of the message file to be matched after deduplication includes: Perform deduplication verification on message files by querying the database using filename and operation status. If a file is marked as imported, reject duplicate processing. Read the file to be matched in segments, reading the file content line by line, using field label information as delimiter, merging the message content of the same transaction into independent paragraphs, and retaining the original line break information, until the entire message file content has been read.

4. The configurable bank transaction details parsing method as described in claim 1, characterized in that, After successful verification, the file data is processed by extracting elements, including transaction information. The transaction information is then dynamically parsed and matched using the automatic message matching parameter table, including: Based on the pre-configured automatic matching parameter table, the type and key fields of the message to be matched are parsed and direct matching is attempted. After the matching is completed, the data is persisted. If the matching is incomplete, the matching rules are dynamically adjusted, the field information of the message to be matched is determined, new parsing rules are added, and the matching process is re-executed.

5. The configurable bank transaction details parsing method as described in claim 4, characterized in that, Parse the type and key fields of the message to be matched, including: Extract the associated items of the message and perform direct string matching; if the match is successful, the process ends; if the match fails, merge the fields of multiple lines, extract the message elements, identify the field start tag, mark the subsequent supplementary lines with preset symbols and merge them into the current field, and generate a complete field element mapping list.

6. The configurable bank transaction details parsing method as described in claim 5, characterized in that, Extract message elements, including: Parse account information, extract external bank account numbers, currencies, and transaction details, and combine them into key-value pair data using delimiters; Parse transaction information, match the interest accrual date, transaction date, loan identifier and amount in the preset field fields, combine with the system date to complete the year information, and dynamically adjust the date logic according to the bank type; Parse transaction type and serial number extraction, extract transaction type code, and separate business reference number and bank serial number.

7. The configurable bank transaction details parsing method as described in claim 4, characterized in that, Dynamically adjust matching rules, including: Based on the newly added automatic matching parameter table, the account mapping is dynamically matched according to the rules. Based on the external account and currency, the account service is called to map the internal account number, the main account is parsed, and the other party's account is extracted from the preset domain field according to the rules and its validity is verified. Based on the newly added automatic matching parameter table, the transaction information mapping is dynamically matched according to rules. The interest accrual date, transaction date, loan identifier and amount are extracted from the domain fields according to the rules, and the validity is verified. Based on the newly added automatic matching parameter table, the dynamic rules match the transaction type and serial number extraction mapping, extract the transaction type code from the domain field according to the rules, and separate the business reference number and bank serial number.

8. The configurable bank transaction details parsing method as described in any one of claims 1-7, characterized in that, The parsed transaction information is then persisted, including: The bank transaction number is formatted as currency@bank@date@loan direction@amount@account@transaction number. The parsing results within the current batch are traversed, duplicate transaction numbers are marked for deduplication, and the database history is traversed for cross-batch verification. Summarize transaction statistics, generate main table records, store detailed data, and mark duplicate status and effective flags; Store the comparison information of the numbers before and after the conversion and the matching results. Feed back the parameter table with the results of manual processing, add rules with a matching failure frequency greater than the set threshold, or adjust the priority and content of existing rules for the iterative update of the parameter table rules.

9. A configurable bank transaction detail parsing system, characterized in that, include: The parsing unit is configured to: obtain the message file to be matched, verify and read the content of the message file to be matched, extract the elements of the file data after verification, extract the transaction information, and call the message automatic matching parameter table to dynamically parse and match the transaction information; The processing unit is configured to: if the parsing and matching are completed, persist the parsed transaction information to generate transaction details data for manual review so that financial operations personnel can complete financial reconciliation; if all rules cannot be matched, record the reason for failure and notify manual intervention.

10. A computer device, characterized in that, include: Processor and computer-readable storage media; A processor, adapted to execute computer programs; A computer-readable storage medium storing a computer program that, when executed by the processor, implements the configurable bank transaction details parsing method as described in any one of claims 1 to 7.

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