Method and system for determining daily end balance of bank core system account

Abstract

The invention provides a bank core system account daily end balance determination method and system, and belongs to the technical field of bank data processing, and the method comprises the steps: adding a daily end batch updating account information configuration table in a database; and after daily switching of the core system, according to the daily end batch updating account information configuration table, querying related account information in a non-account-cancelling state that the account daily end balance is not equal to the current account balance in the account table of the core system, and performing batch updating on the queried account information to obtain the updated account daily end balance. The account information can be processed in parallel in a large scale, and the daily end balance updating efficiency of the account is improved. Besides, in the process of executing the day-end batch task of the account information, day-to-day online transaction processing is carried out on the account subjected to the online accounting transaction in time, the account day-end balance calculation error of the account subjected to the accounting transaction before the day-end batch task is completed from the day switching time point of the core system is prevented, and the calculation accuracy is ensured.

Description

Technical Field

[0001] This invention relates to the field of banking data processing technology, and in particular to a method and system for determining the end-of-day balance of accounts in a bank's core system. Background Technology

[0002] In a bank's core system, accurate calculation of account balances is crucial. The day-end account balance forms the basis for the bank's work, including interest calculation and settlement, accounting, financial reconciliation, and risk management. Ensuring the accuracy of day-end account balances protects customer rights, improves operational quality, enhances the bank's credibility, and reduces financial risk.

[0003] Traditional methods for calculating account end-of-day balances suffer from inefficiency and inaccuracy, especially when dealing with high-concurrency account data and real-time transactions at the core system's daily cut-off point, where calculation errors or excessively long calculation times are common.

[0004] Therefore, a new method for determining the day-end balance of accounts is needed to accurately and efficiently determine the day-end balance of each account in the bank's core system. Summary of the Invention

[0005] This invention provides a method and system for determining the end-of-day balance of an account in a bank's core system, which addresses the shortcomings of existing methods for calculating the end-of-day balance of accounts, such as low efficiency and insufficient accuracy, and enables efficient and accurate updating of the end-of-day balance of accounts.

[0006] In a first aspect, the present invention provides a method for determining the end-of-day balance of an account in a bank's core system, comprising: Add a set of configuration tables for daily batch update of account information in the database to store daily batch tasks for account information; After the core system is switched over daily, the day-end batch task for the account information is triggered; During the execution of the daily batch task for account information, based on the daily batch update account information configuration table, the relevant account information in the account table of the core system that is not closed due to the account's day-end balance not being equal to the current account balance is queried, and the queried account information is updated in batches; wherein, the account information includes the account's day-end balance; After all account information has been updated, the daily batch task for account information ends, and the updated daily account balance is obtained.

[0007] According to the present invention, a method for determining the end-of-day account balance in a bank core system includes, wherein the end-of-day batch update of the account information configuration table comprises: The end-of-day batch task definition configuration table is used to set the task sequence number, task description, task status, and task processing stored procedure; The end-of-day batch task parameter configuration table is used to set the task sequence number, the number of task segments, and the execution statements for task segment processing. The daily batch task processing table is used to set the task sequence number, task description, task segment number, task processing status, and task processing time.

[0008] According to the present invention, a method for determining the end-of-day balance of an account in a core banking system includes, based on the end-of-day batch update account information configuration table, querying relevant account information in the core system's account table where the end-of-day balance is not equal to the current account balance, and batch updating the queried account information, comprising: Based on the task segmentation processing execution statement in the end-of-day batch task parameter configuration table, query the relevant account information in the account table of the core system where the account's end-of-day balance is not equal to the current account balance and the account is not closed; wherein, the account information includes account number, account status, account balance, account's end-of-day balance and account's end-of-day balance update date; The queried account information is segmented according to the number of segments set in the task settings in the end-of-day batch task parameter configuration table, and each sub-task obtained by the segmentation process is saved to the end-of-day batch task processing table. The account information corresponding to each subtask in the daily batch task processing table is processed in parallel to update the account information in the account table in batches.

[0009] According to the present invention, a method for determining the end-of-day account balance in a bank core system includes a method for parallel polling and processing the account information corresponding to each subtask in the end-of-day batch task processing table to batch update the account information in the account table, comprising: Each subtask is processed in parallel polling. For each subtask, a task processing stored procedure is matched from the end-of-day batch task definition configuration table according to the task sequence number of the subtask, and the task processing stored procedure is executed. The execution of the task processing stored procedure includes: Retrieve the current core accounting date from the operating parameter table of the core system; The account information in the subtask is locked, and it is determined whether the update date of the account's end-of-day balance is less than the current core accounting date: If so, update the account information in the account table, including updating the account end-of-day balance to the account balance and updating the end-of-day balance update date to the current core accounting date; Otherwise, accumulate the number of account information that has been processed, determine whether the subtask has been completed, and if so, submit the subtask transaction and end the subtask.

[0010] According to a method for determining the end-of-day balance of a bank's core system account provided by the present invention, the method further includes: During the process from the end of the day after the core system switches to the execution of the account information batch task, if the core system receives an online accounting transaction request from the channel, it saves the channel transaction information of the online accounting transaction request to the channel transaction request registration form. Based on the channel transaction request registration form, the core system's operating parameter table, and the account table, intraday online transaction processing is performed; The process of performing daytime online transaction processing based on the channel transaction request registration form, the core system's operating parameter table, and the account table includes: Based on the account in the channel transaction request registration form, the account information of the current transaction account is retrieved from the account table of the core system, and the account information of the current transaction account is locked. Update the current transaction amount and calculate the current account balance based on the current transaction amount; The channel transaction date of the current transaction is retrieved from the channel transaction request registration table, and the current core accounting date is retrieved from the core system's operating parameter table; Based on the current account balance, the channel transaction date, the current core accounting date, and the account information of the current transaction account, recalculate the current account's end-of-day balance; Update the account day-end balance in the account table to the recalculated current account day-end balance, and update the day-end balance update date in the account table to the current core accounting date; Submit the current accounting transaction.

[0011] According to a method for determining the end-of-day balance of a bank core system account provided by the present invention, the step of recalculating the end-of-day balance of the current account based on the current account balance, the channel transaction date, the current core accounting date, and the account information of the current transaction account includes: Retrieve the account end-of-day balance update date and account end-of-day balance from the account information of the current trading account; Determine whether the account's end-of-day balance update date is less than or equal to the current core accounting date, or whether the account's end-of-day balance update date is empty; If so, recalculate the current account day-end balance, i.e., the current account day-end balance = the account day-end balance; continue to determine whether the account day-end balance update date is less than or equal to the channel transaction date and the channel transaction date is less than the current core accounting date. If so, recalculate the current account day-end balance, i.e., the current account day-end balance = the current account balance; If not, determine whether the account end-of-day balance update date is greater than the channel transaction date. If yes, recalculate the current account end-of-day balance, i.e., the current account end-of-day balance = the current account balance. If not, the current account end-of-day balance = the account end-of-day balance.

[0012] According to a method for determining the end-of-day account balance in a bank's core system provided by the present invention, the step of updating the current transaction amount and calculating the current account balance based on the current transaction amount includes: The debit and credit sides are determined based on the transaction type in the channel transaction request registration form, the positive or negative direction of the transaction amount is determined, and the current transaction amount is updated according to the positive or negative direction of the transaction amount; wherein, the debit transaction amount is negative, and the credit transaction amount is positive; The current account balance is calculated based on the account balance in the account information of the current transaction account and the current transaction amount, that is, the current account balance = the account balance + the current transaction amount.

[0013] Secondly, the present invention also provides a system for determining the end-of-day account balance of a bank's core system, comprising: The configuration table module is used to add a set of configuration tables for daily batch update of account information in the database, which are used to store the daily batch tasks for account information. The task triggering module is used to trigger the daily batch tasks of the account information after the core system is switched over; The task execution module is used to, during the execution of the daily batch task for account information, query the relevant account information in the account table of the core system whose account balance at the end of the day is not equal to the current account balance and whose account status is not closed, according to the daily batch update account information configuration table, and batch update the queried account information; wherein, the account information includes the account balance at the end of the day; The balance determination module is used to end the daily batch task of account information after all account information has been updated, and obtain the updated account day-end balance.

[0014] Thirdly, the present invention also provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the program to implement the method for determining the end-of-day balance of a bank core system account as described above.

[0015] Fourthly, the present invention also provides a non-transitory computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the method for determining the end-of-day balance of a bank core system account as described above.

[0016] Fifthly, the present invention also provides a computer program product, including a computer program that, when executed by a processor, implements the method for determining the end-of-day balance of a bank core system account as described above.

[0017] The beneficial effects of the technical solutions provided by some embodiments of the present invention include at least the following: 1) The present invention provides a method for determining the end-of-day balance of a bank's core system account. By storing the end-of-day batch task of account information in the account information configuration table, the end-of-day batch task of account information can be updated in batches during the execution of the end-of-day batch task of account information. This allows for the batch updating of account information in the account table for accounts whose end-of-day balance is not equal to the current account balance and is not closed. This enables the batch updating of account end-of-day balance, realizes the parallel processing of account information in large batches, effectively shortens the calculation time, and improves the efficiency of account end-of-day balance update.

[0018] 2) This invention uses a segmented parallel polling method to batch update the relevant account information in the account table where the account's end-of-day balance is not equal to the current account balance, which is not closed. This effectively improves the data update efficiency. In addition, this invention updates the account's end-of-day balance by comparing the update date of the account's end-of-day balance with the current core accounting date, thus ensuring the reliability of the account's end-of-day balance update.

[0019] 3) If an online accounting transaction occurs during the process from the time the core system switches to the execution of the day-end batch task for account information, the present invention first performs daytime online transaction processing based on the channel transaction request registration form, the core system's operating parameter table, and the account table. This updates the current account balance and recalculates the current account's day-end balance, thereby timely updating the account's day-end balance and the account's day-end balance update date in the account table. Only then is the day-end batch task for account information executed. This prevents errors in calculating the account's day-end balance for accounts that have experienced accounting transactions between the time the core system switches to the completion of the day-end batch task, ensuring the accuracy of the account's day-end balance calculation.

[0020] 4) Based on relevant factors such as the current account balance, channel transaction date, current core accounting date, and account information of the current transaction account, this invention combines a multi-round judgment mechanism to accurately identify the time node for updating the account's end-of-day balance, and finally determine the current account's end-of-day balance, further improving the accuracy of the account's end-of-day balance calculation. In addition, combined with the database's transaction processing mechanism, it ensures the consistency of the account's end-of-day balance calculation. Attached Figure Description

[0021] To more clearly illustrate the technical solutions in this invention or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are some embodiments of this invention. For those skilled in the art, other drawings can be obtained from these drawings without creative effort.

[0022] Figure 1 This is one of the flowcharts illustrating a method for determining the end-of-day balance of a bank's core system account provided by the present invention; Figure 2 This is the second flowchart illustrating a method for determining the end-of-day balance of a bank's core system account provided by the present invention; Figure 3 This is a flowchart of the daily batch task for executing account information provided by the present invention; Figure 4 This is the third flowchart illustrating a method for determining the end-of-day balance of a bank's core system account provided by the present invention; Figure 5 The flowchart for performing daytime online transaction processing provided by this invention; Figure 6 This is a schematic diagram of the structure of a bank core system account end-of-day balance determination system provided by the present invention; Figure 7 This is a schematic diagram of the structure of the electronic device provided by the present invention. Detailed Implementation

[0023] To make the objectives, technical solutions, and advantages of this invention clearer, the technical solutions of this invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some, not all, of the embodiments of this invention. All other embodiments obtained by those skilled in the art based on the embodiments of this invention without creative effort are within the scope of protection of this invention.

[0024] In core banking systems, the commonly used method for calculating account day-end balances involves a full scan of all account transaction records during the day-end batch processing phase. The balance is then calculated by adding or subtracting from each transaction based on the previous day's balance. This method reveals significant efficiency bottlenecks when handling massive amounts of account data and high-concurrency transaction data. The calculation process is time-consuming, severely impacting the system's day-end closing efficiency and the timely commencement of business operations the following day. Even more problematic is that if real-time transactions are occurring at the critical point of the core system's day-end closing operation, traditional methods struggle to accurately determine the transaction's date. This ambiguity in time boundary judgment easily leads to errors in account day-end balance calculations or data inconsistencies, creating potential risks for subsequent accounting processing.

[0025] This invention proposes a method and system for determining the end-of-day balance of accounts in a bank's core system. It primarily uses end-of-day batch task processing to process account information in large batches in parallel, thereby improving update efficiency. It uses intraday online transaction processing as compensation to prevent errors in the calculation of the end-of-day balance of accounts that have undergone accounting transactions between the core system's day-end cutoff time and the completion of the end-of-day batch tasks. Furthermore, it utilizes the transaction processing mechanism of the Oracle database to ensure the consistency of the account end-of-day balance calculation.

[0026] Example 1 Please see Figure 1 , Figure 1 One of the flowcharts for determining the end-of-day balance of a bank core system account, provided as an embodiment of the present invention, includes: S101. Add a daily batch update account information configuration table to the database to store daily batch tasks for account information. S102. After the core system is switched over daily, the daily batch task for account information is triggered. S103. During the execution of the daily batch task of account information, based on the daily batch update account information configuration table, query the relevant account information in the account table of the core system whose account balance at the end of the day is not equal to the current account balance and whose account status is not closed, and update the queried account information in batches. S104. After all account information has been updated, end the daily batch task for account information and obtain the updated daily account balance.

[0027] This invention provides a method for determining the end-of-day balance of accounts in a core banking system. By storing the end-of-day batch update task of account information in the account information configuration table, the method can update the account information of unclosed accounts whose end-of-day balance is not equal to the current account balance in batches during the execution of the end-of-day batch update task. This enables batch updating of the end-of-day balance of accounts, realizes large-scale parallel processing of account information, effectively shortens the calculation time, and improves the efficiency of updating the end-of-day balance of accounts.

[0028] In S101 of this embodiment, a daily batch update account information configuration table is added to a database with transaction processing mechanism such as Oracle. The relevant information of the daily batch update account information task is stored in the daily batch update account information configuration table to ensure the consistency and integrity of data updates in a high-concurrency environment.

[0029] For example, the end-of-day batch update account information configuration table includes at least various types of task-related information, such as task number, task description, task parameters, task processing method, task storage, task update, and other related information. Multiple related sub-tables can be set up to store these information separately, and different sub-tables can be linked by task number to store corresponding task data.

[0030] In S102 of this embodiment, the core system day-to-day switch refers to the node where the bank's core system switches from one old working day to the next new working day. After the core system day-to-day switch, a day-end batch update task for account information in the account table is triggered.

[0031] In S103 of this embodiment, the day-end batch task of account information is executed, and the account information in the account table is updated in batches, thereby updating the day-end balance of the account information.

[0032] The account table in a bank's core system typically stores account number, account status, account balance, account end-of-day balance, and account end-of-day balance update date. When the core system is switched over, information such as account end-of-day balance and account end-of-day balance update date needs to be updated in a timely manner to determine a reliable account end-of-day balance and ensure the accuracy and timeliness of the account table data.

[0033] Due to the asynchronous processing mechanism and multi-channel concurrency characteristics of banking systems, the account's end-of-day balance may not equal the real-time updated current account balance. Therefore, based on task parameters and other information in the end-of-day batch update account information configuration table, the system can query the account information of relevant accounts whose end-of-day balance does not equal the current account balance and are in an unclosed state from the core system's account table, and update the end-of-day balance of these accounts. Generally, the end-of-day balance can be determined by summing the total credit and debit entries for the day based on the previous day's end-of-day balance, i.e., end-of-day balance = previous day's end-of-day balance + total credit entries for the day - total debit entries for the day. Alternatively, it can be further determined whether the end-of-day balance update date recorded in the core system's database is earlier than the current core accounting date. If so, the account's end-of-day balance is updated to the account balance, and the end-of-day balance update date is updated to the current core accounting date.

[0034] In S104 of this embodiment, after all account information has been updated, the daily batch task of account information is ended, and the updated daily account balance is obtained.

[0035] Example 2 Please see Figure 2 , Figure 2 A second flowchart illustrating a method for determining the end-of-day balance of a bank core system account, provided as an embodiment of the present invention, includes: S201. Add a daily batch update account information configuration table to the database to store daily batch tasks for account information. S202. After the core system is switched over daily, the daily batch task for account information is triggered. S203. Based on the task segmentation execution statement in the end-of-day batch task parameter configuration table, query the relevant account information in the core system's account table where the end-of-day account balance is not equal to the current account balance and the account is not closed. S204. Based on the number of segments in the task settings in the end-of-day batch task parameter configuration table, segment the queried account information and save each sub-task obtained from the segmentation process to the end-of-day batch task processing table. S205. Parallel polling is used to process each subtask. For each subtask, the task processing stored procedure is matched from the end-of-day batch task definition configuration table according to the task sequence number of the subtask. The task processing stored procedure is executed to update the account information in the account table in batches. S206. After all account information has been updated, end the daily batch task for account information and obtain the updated daily account balance.

[0036] This invention employs a segmented parallel polling method to batch update the information of unclosed accounts in the account table whose end-of-day balance is not equal to the current account balance, effectively improving data update efficiency.

[0037] In S201 of this embodiment, the end-of-day batch update of the account information configuration table includes: The end-of-day batch task definition configuration table is used to set the task sequence number, task description, task status, and task processing stored procedure; The end-of-day batch task parameter configuration table is used to set the task sequence number, the number of task segments, and the execution statements for task segment processing. The daily batch task processing table is used to set the task sequence number, task description, task segment number, task processing status, and task processing time.

[0038] In S202 of this embodiment, the daily batch task for account information is executed starting from the core system's daily switch, such as... Figure 3 The diagram shows a flowchart of the daily batch task for executing account information provided by the present invention, illustrating the specific process of the daily batch update task in steps S202 to S205.

[0039] In step S203 of this embodiment, based on the task segmentation execution statements in the end-of-day batch task parameter configuration table, relevant account information that is not equal to the current account balance and is in an unclosed state is retrieved from the account table of the core system for subsequent batch updates. The retrieved account information includes account number, account status, account balance, end-of-day account balance, and end-of-day account balance update date.

[0040] In step S204 of this embodiment, since the number of task segments is already configured in the end-of-day batch task parameter configuration table, the queried account information is segmented according to this number of segments. For example, if 10,000 account information entries are retrieved, and the task segmentation number in the end-of-day batch task parameter configuration table is set to 5, then these 10,000 account information entries are divided into 5 segments, resulting in 5 sub-tasks. Each sub-task contains 2,000 account information entries, and each sub-task is saved to the end-of-day batch task processing table to await batch processing.

[0041] In S205 of this embodiment, the account information corresponding to each subtask in the daily batch task processing table is processed in parallel to update the account information in the account table in batches.

[0042] The following is an example of parallel polling processing using PL / SQL in an Oracle database: FOR V_ACCT_INFO IN C_ACCT_INFO LOOP / / Processing logic END LOOP; / / Parallel polling processing in segments Through the parallel polling process described above, a loop is started to iterate through and process each account information returned by the cursor C_ACCT_INFO row by row, and the data of each row is put into the record variable V_ACCT_INFO.

[0043] In some possible embodiments, such as Figure 3 As shown, in the parallel polling process of S205, the execution of the task processing stored procedure includes: S205-1. Query the current core accounting date from the core system's operating parameter table; S205-2. Lock the account information in the subtask and determine whether the update date of the account's end-of-day balance is less than the current core accounting date. If yes, proceed to S205-3; otherwise, proceed to S205-5. S205-3. Update the account information in the account table, including updating the account end-of-day balance to the account balance and updating the end-of-day balance update date to the current core accounting date; S205-4. Accumulate the number of account information that has been processed, and determine whether the subtask has been completed. If so, proceed to S205-5. S205-5. Once all account information corresponding to this subtask has been processed, submit the subtask transaction and end the subtask.

[0044] This invention updates account day-end balances by comparing the update date with the current core accounting date, accurately identifying the update node and ensuring the reliability of account day-end balance updates. Furthermore, it utilizes Oracle database transaction processing mechanisms to ensure the consistency of account day-end balance calculations.

[0045] In S206 of this embodiment, after all subtasks are processed, the daily batch task of account information ends and the updated daily account balance is obtained.

[0046] Example 3 Please see Figure 4 , Figure 4 A third flowchart illustrating a method for determining the end-of-day balance of a bank core system account, provided as an embodiment of the present invention, includes: S301. Add a daily batch update account information configuration table to the database to store daily batch tasks for account information; S302. After the core system is switched over daily, a batch task for account information at the end of the day is triggered. S303. During the process from the end of the day after the core system switches to the execution of the daily batch task of account information, if the core system receives an online accounting transaction request sent by the channel, the channel transaction information of the online accounting transaction request will be saved to the channel transaction request registration form. S304. Based on the channel transaction request registration form, the core system's operating parameter table, and the account table, process daytime online transactions; S305. Based on the daily batch update account information configuration table, query the relevant account information in the core system's account table where the account's daily end-of-day balance is not equal to the current account balance and update the queried account information in batches. S306. After all account information has been updated, end the daily batch task for account information and obtain the updated daily account balance.

[0047] In this invention, if an online accounting transaction occurs during the period from the core system's daily switch to the execution of the account information end-of-day batch task, the online transaction is processed first based on the channel transaction request registration form, the core system's operating parameter table, and the account table. This updates the current account balance and recalculates the current account's end-of-day balance, thereby promptly updating the account's end-of-day balance and the account's end-of-day balance update date in the account table. Only then is the account information end-of-day batch task executed. This prevents errors in calculating the account's end-of-day balance for accounts that have experienced accounting transactions between the core system's daily switch and the completion of the end-of-day batch task, ensuring the accuracy of the account's end-of-day balance calculation.

[0048] S301~S302 of this embodiment can be referred to S101~S102, and will not be repeated here.

[0049] In S303 of this embodiment, during the process from the core system's daily switch to the execution of the account information end-of-day batch task, it is necessary to determine whether any accounting transactions occurred during the period from the core system's daily switch point to the completion of the end-of-day batch task. If accounting transactions occurred, intraday online transaction processing is performed first, and then the account information end-of-day batch task is executed to avoid errors in calculating the end-of-day balance of accounts that experienced accounting transactions during this period. Figure 5 The diagram shows a flowchart of the intraday online transaction processing provided by an embodiment of the present invention. It illustrates the specific implementation process of S303-S304 of this embodiment.

[0050] like Figure 5 As shown, if the core system receives an online accounting transaction request from a channel, the core system saves the channel transaction information in the header of the received online accounting transaction request to the channel transaction request registration table, and updates the value of the channel transaction date in the header to the current accounting date of the core system. The channel transaction request registration table contains information such as account number, channel transaction date, transaction type, transaction amount, core accounting date, and channel serial number.

[0051] In S304 of this embodiment, as Figure 5 As shown, based on the channel transaction request registration form, the core system's operating parameter table, and the account table, intraday online transaction processing is performed, including: S304-1. Enter the core system accounting module, retrieve the account information of the current transaction account from the account table of the core system based on the account in the channel transaction request registration form, and lock the record using a row lock. S304-2. Update the current transaction amount and calculate the current account balance based on the current transaction amount; S304-3. Query the channel transaction date of the current transaction from the channel transaction request registration table, and query the current core accounting date from the core system's operating parameter table; S304-4. Recalculate the current account's end-of-day balance based on the current account balance, channel transaction date, current core accounting date, and the account information of the current transaction account. S304-5. Update the account day-end balances in the account table to the recalculated current account day-end balances, and update the account day-end balance update date in the account table to the current core accounting date; S304-6. Submit the current accounting transaction.

[0052] In S304-1 of this embodiment, the account information includes account number, account status, account balance, account end-of-day balance, and account end-of-day balance update date.

[0053] In S304-2 of this embodiment, updating the current transaction amount and calculating the current account balance based on the current transaction amount includes: The debit and credit sides are determined based on the transaction type in the channel transaction request registration form, and the positive or negative direction of the transaction amount is determined. The current transaction amount is updated according to the positive or negative direction of the transaction amount; where the debit transaction amount is negative and the credit transaction amount is positive. The current account balance is calculated based on the account balance and the current transaction amount in the account information of the current trading account. That is, the current account balance = account balance + current transaction amount.

[0054] The following is an example of updating the current account balance based on the lending / borrowing direction of the transaction: IFV_CR_DR_FLAG = 'D' / / Debit / Credit direction, where: D represents debit and C represents credit. THEN V_NEW _ACCT_BAL:=V_ACCT_ACT_BAL + (- 1) * V_TRAN_AMT; ELSIF V_CR_DR_FLAG = 'C' THEN V_NEW _ACCT_BAL:=V_ACCT_ACT_BAL +V_TRAN_AMT; END IF; In the example above, V_ACCT_ACT_BAL is the account balance before the transaction, V_TRAN_AMT is the transaction amount, and V_NEW_ACCT_BAL is the new balance after calculation.

[0055] In S304-4 of this embodiment, as Figure 5 As shown, based on the current account balance, channel transaction date, current core accounting date, and account information of the current transaction account, the current account's end-of-day balance is recalculated, including: S304-4-1. Obtain the account end-of-day balance update date and account end-of-day balance from the account information of the current trading account; S304-4-2. Determine whether the account's end-of-day balance update date is less than or equal to the current core accounting date, or whether the account's end-of-day balance update date is empty. If yes, proceed to S304-4-3; otherwise, proceed to S304-4-6. S304-4-3. Recalculate the current account's end-of-day balance, i.e., current account's end-of-day balance = account's end-of-day balance; S304-4-4: Continue to determine whether the account end-of-day balance update date is less than or equal to the channel transaction date and the channel transaction date is less than the current core accounting date. If yes, proceed to S304-4-5; otherwise, proceed to S304-5. S304-4-5. Recalculate the current account's end-of-day balance, i.e., current account's end-of-day balance = current account balance; S304-4-6. Determine if the account's end-of-day balance update date is greater than the channel transaction date. If yes, proceed to S304-4-7; otherwise, proceed to S304-4-8. S304-4-7. Recalculate the current account's end-of-day balance, i.e., current account's end-of-day balance = current account balance; S304-4-8. Recalculate the current account's end-of-day balance, i.e., the current account's end-of-day balance = the account's end-of-day balance.

[0056] In S304-5 of this embodiment, after determining the end-of-day balance of the current account according to the above steps, the end-of-day balance of the account in the account table is updated to the recalculated end-of-day balance of the current account, and the end-of-day balance update date is updated to the current core accounting date.

[0057] In S304-6 of this embodiment, the core system finishes processing, submits the current accounting transaction, returns the processing result response information to the channel, and the daytime online transaction processing ends.

[0058] In step S305 of this embodiment, based on the account table updated by the daytime online transaction processing, the relevant account information of the unclosed account whose end-of-day balance is not equal to the current account balance is retrieved, and the retrieved account information is updated in batches.

[0059] S305~S306 of this embodiment can be referred to S103~S104 of Embodiment 1 or S203~S206 of Embodiment 2, and will not be repeated here.

[0060] During the execution of the daily batch task for account information, this invention promptly processes online transactions for accounts that have undergone online accounting transactions, preventing errors in the calculation of the day-end balance of accounts that have undergone accounting transactions from the time the core system switches to the completion of the daily batch task, and ensuring the accuracy of the calculation.

[0061] Example 4 Please see Figure 6 , Figure 6 A schematic diagram of a bank core system account end-of-day balance determination system provided as an embodiment of the present invention, the system comprising: Configuration table module 410 is used to add a set of end-of-day batch update account information configuration tables in the database to store end-of-day batch tasks for account information. The task triggering module 420 is used to trigger daily batch tasks for account information after the core system is switched over. The task execution module 430 is used to query relevant account information in the core system's account table where the account balance at the end of the day is not equal to the current account balance, based on the account information configuration table updated at the end of the day, and to update the queried account information in batches; wherein, the account information includes the account balance at the end of the day; The balance determination module 440 is used to end the daily batch task of account information after all account information has been updated, and obtain the updated account day-end balance.

[0062] The embodiments of the bank core system account day-end balance determination system described above correspond to the various embodiments of the bank core system account day-end balance determination method described above, and different embodiments can be referred to each other.

[0063] Example 5 Figure 7 An example is a schematic diagram of the physical structure of an electronic device, such as... Figure 7 As shown, the electronic device may include a processor 510, a communications interface 520, a memory 530, and a communication bus 540, wherein the processor 510, communications interface 520, and memory 530 communicate with each other via the communication bus 540. The processor 510 can call logical instructions in the memory 530 to execute the bank core system account end-of-day balance determination method provided in the above-described method embodiments.

[0064] Furthermore, the logical instructions in the aforementioned memory 530 can be implemented as software functional units and, when sold or used as independent products, can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or a part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of the present invention. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0065] On the other hand, the present invention also provides a computer program product, which includes a computer program that can be stored on a non-transitory computer-readable storage medium. When the computer program is executed by a processor, the computer is able to execute the bank core system account end-of-day balance determination method provided in the above-described method embodiments.

[0066] In another aspect, the present invention also provides a non-transitory computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, is implemented to perform the methods for determining the end-of-day account balance of a bank core system provided by the methods described above.

[0067] The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the modules can be selected to achieve the purpose of this embodiment according to actual needs. Those skilled in the art can understand and implement this without any creative effort.

[0068] Through the above description of the embodiments, those skilled in the art can clearly understand that each embodiment can be implemented by means of software plus necessary general-purpose hardware platforms, and of course, it can also be implemented by hardware. Based on this understanding, the above technical solutions, in essence or the part that contributes to the prior art, can be embodied in the form of a software product. This computer software product can be stored in a computer-readable storage medium, such as ROM / RAM, magnetic disk, optical disk, etc., and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute the methods described in the various embodiments or some parts of the embodiments.

[0069] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, and not to limit them; although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features; and these modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims

1. A method for determining the end-of-day balance of an account in a bank's core system, characterized in that, The application relates to a method for updating account information in a core system. The method comprises the following steps: adding a daily batch update account information configuration table in a database for storing a daily batch account information task; triggering the daily batch account information task after a core system switch; in the process of executing the daily batch account information task, querying related account information of an account table in the core system, which has an account end balance not equal to a current account balance and is in an un-closed state, according to the daily batch update account information configuration table, and batch updating the queried account information; wherein the account information comprises the account end balance; 2. The bank core system account end-of-day balance determination method of claim 1, wherein, after all the account information is updated, ending the daily batch account information task and obtaining an updated account end balance. The daily batch update account information configuration table comprises: a daily batch task definition configuration table for setting a task serial number, a task description, a task state and a task processing stored procedure; a daily batch task parameter configuration table for setting a task serial number, a task setting segment number and a task segment processing execution statement; 3. The bank core system account end-of-day balance determination method of claim 2, wherein, a daily batch task processing table for setting a task serial number, a task description, a task segment number, a task processing state and a task processing time. The method for querying related account information of an account table in the core system, which has an account end balance not equal to a current account balance and is in an un-closed state, and batch updating the queried account information according to the daily batch update account information configuration table comprises the following steps: querying related account information of an account table in the core system, which has an account end balance not equal to a current account balance and is in an un-closed state, according to a task segment processing execution statement in the daily batch task parameter configuration table; wherein the account information comprises an account number, an account state, an account balance, an account end balance and an account end balance update date; segmenting the queried account information according to a task setting segment number in the daily batch task parameter configuration table, and saving each subtask obtained by the segmenting to the daily batch task processing table; 4. The bank core system account end-of-day balance determination method of claim 3, wherein, parallelly polling account information corresponding to each subtask in the daily batch task processing table to batch update account information in the account table. The method for parallelly polling account information corresponding to each subtask in the daily batch task processing table to batch update account information in the account table comprises the following steps: parallelly polling each subtask, and for each subtask, matching a task processing stored procedure from the daily batch task definition configuration table according to a task serial number of the subtask, executing the task processing stored procedure and batch updating account information in the account table; the method for executing the task processing stored procedure comprises the following steps: querying a current core accounting date from a running parameter table of the core system; locking account information in the subtask, and judging whether an update date of an account end balance in the account information is less than the current core accounting date; if yes, updating the account information in the account table, and the update content comprises updating the account end balance to an account balance and updating an account end balance update date to the current core accounting date. Otherwise, accumulate the number of processed account information, determine whether the sub-task is completed, if yes, submit the sub-task transaction, and end the sub-task.

5. The bank core system account end-of-day balance determination method of claim 1, wherein, The method further comprises: During the process of executing the account information end-of-day batch task after the core system day cut, if the core system receives an online account transaction request sent by a channel, save the online account transaction request channel transaction information to a channel transaction request registration table; According to the channel transaction request registration table, the running parameter table and the account table of the core system, perform inter-day online transaction processing; The inter-day online transaction processing according to the channel transaction request registration table, the running parameter table and the account table of the core system comprises: According to the account number in the channel transaction request registration table, query the account information of the current transaction account number from the account table of the core system, and lock the account information of the current transaction account number; Update the current transaction amount, and calculate the current account balance according to the current transaction amount; Query the channel transaction date of the current transaction from the channel transaction request registration table, and query the current core accounting date from the running parameter table of the core system; According to the current account balance, the channel transaction date, the current core accounting date and the account information of the current transaction account number, recalculate the current account end-of-day balance; Update the account end-of-day balance in the account table to the recalculated current account end-of-day balance, and update the account end-of-day balance date in the account table to the current core accounting date; Submit the current account transaction.

6. The bank core system account end-of-day balance determination method of claim 5, wherein, The recalculation of the current account end-of-day balance according to the current account balance, the channel transaction date, the current core accounting date and the account information of the current transaction account number comprises: Obtain the account end-of-day balance update date and the account end-of-day balance from the account information of the current transaction account number; Determine whether the account end-of-day balance update date is less than or equal to the current core accounting date, or whether the account end-of-day balance update date is empty; If yes, recalculate the current account end-of-day balance, that is, the current account end-of-day balance = the account end-of-day balance; continue to determine whether the account end-of-day balance update date is less than or equal to the channel transaction date and the channel transaction date is less than the current core accounting date, if yes, recalculate the current account end-of-day balance, that is, the current account end-of-day balance = the current account balance; If no, determine whether the account end-of-day balance update date is greater than the channel transaction date, if yes, recalculate the current account end-of-day balance, that is, the current account end-of-day balance = the current account balance, if no, the current account end-of-day balance = the account end-of-day balance.

7. The bank core system account end-of-day balance determination method of claim 5, wherein, The update of the current transaction amount and the calculation of the current account balance according to the current transaction amount comprises: According to the transaction type in the channel transaction request registration table, determine the debiting and crediting party, determine the positive and negative directions of the transaction amount, and update the current transaction amount according to the positive and negative directions of the transaction amount; wherein the debiting transaction amount is negative, and the crediting transaction amount is positive; According to the account balance in the account information of the current transaction account and the current transaction amount, a current account balance is calculated, i.e., the current account balance = the account balance + the current transaction amount.

8. A bank core system account end-of-day balance determination system, characterized by, The method comprises the following steps: a configuration table module is configured to add a set of end-of-day batch account information configuration tables in a database, which are used to store end-of-day batch account information tasks; a task triggering module is configured to trigger the end-of-day batch account information tasks after the core system is switched; a task execution module is configured to, in the process of executing the end-of-day batch account information tasks, query, according to the end-of-day batch account information configuration tables, related account information of accounts in an un-closed state whose account end-of-day balances are not equal to current account balances in an account table of the core system, and batch update the queried account information; wherein the account information comprises account end-of-day balances; a balance determination module is configured to, after all the account information is updated, end the end-of-day batch account information tasks, and obtain updated account end-of-day balances.

9. An electronic device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, The processor executes the program to implement the method of any one of claims 1 to 7.

10. A non-transitory computer-readable storage medium having stored thereon a computer program, characterized in that, The computer program is executed by the processor to implement the method of any one of claims 1 to 7.

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