CN101916481A - Bank charging method and system - Google Patents
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- CN101916481A CN101916481A CN2010102722729A CN201010272272A CN101916481A CN 101916481 A CN101916481 A CN 101916481A CN 2010102722729 A CN2010102722729 A CN 2010102722729A CN 201010272272 A CN201010272272 A CN 201010272272A CN 101916481 A CN101916481 A CN 101916481A
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Abstract
The invention discloses a bank charging method and a bank charging system. The method comprises the following steps of: receiving a transaction account transmitted by a source transaction module when the transaction occurs, and determining a charge type code according to the transaction account and a prearranged charging data model for storing bank charging data in a centralized way; and determining commission charge information of the transaction according to the determined charge type code and the charging data model. In the bank charging method and the bank charging system provided by the embodiment of the invention, not only a complete charging parameter model and a convenient and fast calculation mode are provided but also the charging information is stored so as to bring convenience to subsequent charging, query and counting through centralized and unified storage of the bank charging data.
Description
Technical field
The present invention relates to the charging field of bank, in particular to a kind of bank charging method and system.
Background technology
Along with the deep development that China's Financial is built, the continuous evolution of banking equipment structure, counting equipment is as the important component part of bank's operation, and its billing function is also in synchronous enhancing.
In the prior art, most of unified the leaving in the public parameter shelves of the billing parameter of bank also has the part billing parameter to leave in the parameter shelves of application subsystem according to its business in addition.The processing procedure of chargeing can be undertaken by independent charging transaction, also can handle by some public accounting modules.In addition, also can carry out according to processing module or the program segment that business under chargeing (such as deposit, loan, card, clearing) is dispersed in each application subsystem.
Though the billing function of existing counting equipment constantly is being enhanced, the type of service of its support, business model also are being on the increase, but still there is following problems: because charging method of the prior art is a kind of existing concentrated, unified processing, the processing mode that dispersion is arranged again, under this processing mode, the metering data of newly-increased charging demand can not leave in the public parameter shelves, newly-increased charging demand can't be dissolved in the unified processing mode, finally can only be undertaken by increasing new processing procedure.Along with being on the increase of call charge service, new billing parameter, processing procedure also increase thereupon, whole bank charges parameter, processing procedure will get more and more, caused bank charges to lack unified metering data model, therefore, the dirigibility of bank charges, unitarity, expandability, shared property decrease.
Summary of the invention
A kind of bank charging method and system have been the object of the present invention is to provide, by the metering data of bank is concentrated, storage and uniform, complete billing parameter model and account form conveniently not only are provided, and because unified billing parameter model is arranged, newly-increased metering data can well incorporate wherein, therefore, the dirigibility of bank charges, unitarity, expandability, shared property improve thereupon.
A kind of bank charging method provided by the invention, this method mainly may further comprise the steps:
When transaction takes place, the transaction number of the account that the reception sources transaction modules sends, and determine fee type code according to this transaction number of the account and the metering data model of leaving the bank charges data concentratedly preset;
The service charge information of determining described transaction according to the fee type code of determining and described metering data model.
The present invention also provides a kind of bank charges system, and this system mainly comprises with lower module:
Basic accounting module is used for when transaction takes place, the transaction number of the account that the reception sources transaction modules sends, and determine fee type code according to this transaction number of the account and the metering data model of leaving the bank charges data concentratedly preset;
Relation price computing module is used for the service charge information that the fee type code determined according to described basic accounting module and described metering data model are determined described transaction.
Implement a kind of bank charging method of the present invention and system, deposit by the metering data of bank is concentrated, unification, save billing function is dispersed in the various concrete business and handled, complete billing parameter model and account form conveniently not only are provided, and because unified billing parameter model is arranged, newly-increased metering data can well incorporate wherein, therefore, the dirigibility of bank charges, unitarity, expandability, shared property, parametrization level, professional efficient improve thereupon.Owing to increased metering period, the administrative mechanism of working time in the billing parameter model, therefore, the bank charges system has improved the ability that relativization, mass charge effectively, and by charge information is preserved, has made things convenient for subsequent query, statistics again.
Description of drawings
Fig. 1 shows the process flow diagram of the embodiment 1 of a kind of bank charging method provided by the invention;
Fig. 2 shows the entity _ graph of a relation of a kind of metering data model of the present invention;
Fig. 3 shows the process flow diagram of the step S1 among Fig. 1;
Fig. 4 shows the process flow diagram of the step S2 among Fig. 1;
Fig. 5 shows the process flow diagram of the embodiment 2 of a kind of bank charging method provided by the invention;
Fig. 6 shows the process flow diagram of the step S5 among Fig. 5;
Fig. 7 shows the process flow diagram of the step S6 among Fig. 5;
Fig. 8 shows the structural representation of the embodiment 1 of a kind of bank charges provided by the invention system;
Fig. 9 shows the structural representation of the basic accounting module 21 among Fig. 8;
Figure 10 shows the structural representation of the relation price computing module 22 among Fig. 8;
Figure 11 shows the structural representation of the embodiment 2 of a kind of bank charges provided by the invention system;
Figure 12 shows the structural representation of the second expense tentative calculation message processing module 25 among Figure 11;
Figure 13 shows the structural scheme of mechanism of the charging method determination module 251 among Figure 12;
Figure 14 shows the charge among Figure 12 and preserves the structural representation of module 252.
Embodiment
For the purpose, technical scheme and the advantage that make the embodiment of the invention is clearer, the present invention is described in detail below in conjunction with accompanying drawing.
The present invention with the metering data of bank concentrate, unified depositing, save will charge, the charge function is dispersed in the various concrete business and handles.In the present invention, transaction is meant and finishes specific business function (simple function or combination function) between the banking equipment, as current deposit in, current is drawn, transfer accounts etc.May comprise one or more incidents in the transaction.Incident is that the business of present bank is carried out abstract more relatively-stationary business that obtain, and transfers accounts as voucher sale, exchange etc.When these incidents take place, can clear and definite its affiliated service charge classification.The expense that bank collects the service that provides is provided service charge, and it is the main source of the non-interest income of bank, and be based on dealing money, time limit remaining sum, the stroke count of concluding the business etc. forms alone or in combination.
Fig. 1 is the process flow diagram of the embodiment 1 of a kind of bank charging method provided by the invention, and as shown in Figure 1, this method mainly comprises:
S1: when transaction takes place, the transaction number of the account that the reception sources transaction modules sends, and determine fee type code according to this transaction number of the account and the metering data model of leaving the bank charges data concentratedly preset;
Source transaction modules among the present invention need in the banking system to refer to the transaction modules of computational costs, as current, regularly, card, loan, intermediary service etc., when the needs computational costs, these transaction modules number of the account of will concluding the business passes to the bank charges system, by charging, the charging process of bank charges system handles complexity.
S2: the service charge information of determining described transaction according to the fee type code of determining and described metering data model;
A kind of concrete manifestation form of charging data model as shown in Figure 2 among the present invention.Fig. 2 is that (Entity Relationship E_R), is based on the data plot of relationship type, and the arrow among the figure has been described the annexation between each data entity, and what indicate K is the key word of this table for the entity _ graph of a relation of metering data model.Below each tables of data among Fig. 2 is done simple introduction.
(1) fee type code table
Fee type code is the unique identification of the service charge project of each transaction, is the basis of service charge data.As long as the source of the service charge in the transaction is different, even their rate/toll amount is identical, also will be made as different fee type codes, so that charging item is provided with.
(2) charge type code table
The charge type code table be used for to expense collecting mode, the relevant information of charge such as deferred defines.
(3) deferred income type list
For the expense kind that needs deferred income, specify concrete deferred account form by this table.
(4) business event table
In the transaction of bank, the service charge of part transaction only depends on product and core business incident, and irrelevant with other professional qualification.Therefore, abstract by the transaction of bank is extracted, can obtain relatively-stationary core business incident.The business event table promptly defines the core business incident.
(5) business event mapping table
The core business incident is carried out abstract obtaining to the transaction of bank.For identical product, the fee type code of core business incident correspondence such as depositing, withdraw the money is relatively-stationary, and these business event may be dispersed in a plurality of transaction.By this business event mapping table, in the time of can finding out current transaction and take place, pairing core business incident.
(6) charging bag table
The bag that charges is the combination of expense item.After the charging package definition is good, will the charging bag of this product correspondence be set when Product Definition as an attribute of product.Simultaneously, allow the attributes such as fee type code in the bag that charges to be carried out overlay defining at client layer, account layer.
(7) client's covering table that charges
The client charges and covers the table definition client adjustment information of chargeing.
(8) account is chargeed and is covered table
Account is chargeed and is covered table definition account charging adjustment information.
(9) take kind of a charge method table
Be used to control the scope of the charge method that fee type code can define.In this table, do not specify the pairing acquiescence charge method of fee type code, and just listed all possible charge method of fee type code.When charging package definition client/account covers charge method, can check the validity of charge method according to this table.
(10) charging condition table
The function that present bank transaction is finished is comparatively complicated, only can't determine whether to charge by transaction code, core business event code, and the fee type code that charges.Therefore, charging condition table can be provided with corresponding bar piece number by different professional qualification.
(11) transaction service charge table
For the transaction that does not have customer accounting code and production number, this moment can be by transaction service charge table, the fee type code of correspondence when directly finding transaction to take place.
(12) relativization Fee Schedule
For a charge code, it is suitable for certain product and corresponding transaction, but might be because the difference of some other business factors (as channel, client's grade), cause the charge value differences such as rate, toll amount, maximum/little amount of money of charge.The difference charge key element and the difference fees policy that cause for this business have been defined in the relativization Fee Schedule.Wherein difference charge key element comprises: mechanism's scope, customer type, client's grade, customer ID, account/card number, channel sign, beginning and ending time, holiday, calculating priority level etc.
(13) non real-time charge middle table
Non real-time charge middle table is mainly in batches, and charging program provides Data Source.
(14) pay imformation table
No matter banking equipment by which kind of mode is collected the charges, and all the detail statistics information with charge is kept in the pay imformation table.It is the significant data source of statistical study equipment.
In addition, the reference in this entity _ graph of a relation _ products catalogue table, reference _ transaction catalogue listing, reference _ client's catalogue listing, reference _ number of the account catalogue listing are database tables, all are not included in the metering data model metering data model accessible database table.
This step S2 promptly is the fee type code of determining according among the step S1, and determines the service charge information of described transaction according to the fee type code table in the metering data model, relativization Fee Schedule.
Implement a kind of bank charging method provided by the invention, by the metering data of bank is concentrated, storage and uniform, complete billing parameter model and preferential account form not only is provided, and preserved, made things convenient for follow-up charge, inquiry by the service charge information of transaction that charging is obtained.
Introduce step S1 in detail below in conjunction with accompanying drawing 3.As shown in Figure 3, step S1 specifically comprises:
S11: judge whether comprise product code in the described transaction according to this transaction number of the account, when judged result when being, execution in step S12, when judged result for not the time, execution in step S13;
S12: obtain product code, and inquire about described reference _ products catalogue table to determine fee type code, wherein, comprise production number, keeping life, charging Bale No. in described reference _ products catalogue table according to described product code;
In this step, comprise product code in the transaction number of the account, illustrate that then this business has affiliated Product Definition, as: the loan transaction in the banking.At this moment, according to product code inquiry reference _ products catalogue table as shown in table 1.
Table 1
Obtain the charging Bale No. of current business by inquiry reference _ products catalogue table, then according to the charging bag table shown in the described charging Bale No. question blank 2 to read core business event code, bar piece number, determine fee type code according to described core business event code, bar piece number at last.
Table 2
S13: obtaining the charging condition table shown in core business event code, the question blank 4 obtaining the bar piece number, and determine fee type code according to described core business event code, bar piece number according to the business event mapping table shown in the transaction number of the account question blank 3.
Table 3
Table 4
Introduce step S2 in detail below in conjunction with accompanying drawing 4.As shown in Figure 4, step S2 specifically comprises:
S21: according to the fee type code table shown in the described fee type code question blank 5 to read the basic charge information of this fee type code correspondence;
Table 5
S22: whether comprise in the basic charge information that determining step S21 obtains allowing concern favor information, when judged result when being, execution in step S23, when judged result is when denying, execution in step S24;
S23: reading favor information, and determine service charge information after preferential according to the favor information that reads according to the relativization Fee Schedule shown in the described fee type code question blank 6.
Table 6
For a predefined charge code, the relativization Fee Schedule is suitable for certain product and corresponding transaction, but might be because the difference of some other business factors (as channel, client's grade), cause the charge value differences such as rate, toll amount, maximum/little amount of money of charge.For this because professional difference charge that causes, with pre-defined in above-mentioned relativization Fee Schedule.For identical product code, fee type code, a plurality of different difference fees policies can be set respectively, corresponding expense variance of each bar variance rule and being provided with then, to produce many expense variances this moment, system will decide by " the preferential mode " that be provided with in the fee type code table shown in the table 5, be get " priority " mxm. preferential, or get maximum/little margin of preference.
S24: directly determine service charge information according to the basic charge information that reads.
With reference to figure 5, Fig. 5 is the process flow diagram of the embodiment 2 of a kind of bank charging method provided by the invention, and the step S1 in the embodiment 2 and step S2 are identical with step S1 and S2 in the embodiment 1, repeat no more.
S3: judge whether there is expense tentative calculation information in the described transaction number of the account, when judged result when being, execution in step S4, when judged result for not the time, execution in step S5;
S4: the service charge information of the described transaction that will determine is back to the source transaction modules, and this method finishes;
For only calculating expense, do not need the situation (as: expense tentative calculation) of collecting the charges, then there is expense tentative calculation information in the transaction number of the account of source transaction modules transmission, otherwise, do not exist.
S5: the charge method of determining described transaction according to described transaction number of the account and described metering data model;
In this step, show to determine the charge method of described transaction according to the fee type code table in transaction number of the account that from the transaction modules of source, receives and the metering data model, charging bag table, account charging covering table, the client covering of chargeing.
S6: charge according to service charge information, the charge method determined, and preserve pay imformation.
In this step, the service charge information that obtains according to step S2, the charge method that step S5 obtains are charged, and after charge is finished, concrete pay imformation are preserved, so that the usefulness of subsequent query, statistics, analysis.
With reference to figure 6, step S5 specifically comprises:
S51: judge that according to described transaction number of the account whether the charging Bale No. of described transaction is empty, when judged result when being, execution in step S53, when judged result when denying, execution in step S52;
S52: the charging bag table shown in the question blank 2 is to determine charge method;
This step specifically comprises:
S521: the charging bag table shown in the question blank 2 is to obtain the charging Bale No.;
S522: charging covers table according to the account shown in the described charging Bale No. question blank 7, judge according to described account charging covering table whether the account exist coverage information, when judged result when being, execution in step S523, when judged result for not the time, execution in step S524;
Table 7
S523: obtain the charge type code according to described account charging covering table, and determine charge method according to described charge type code;
S524: charge the covering table obtaining the charge type code according to the client shown in the charging Bale No. question blank 8, and determine charge method according to described charge type code.
Table 8
S53: the fee type code table shown in the question blank 5 to be reading acquiescence charge type code, and the charge method that obtains giving tacit consent to according to described acquiescence charge type code.
With reference to figure 7, step S6 specifically comprises:
S61: judge whether to carry out real charging according to described charge type code, when judged result when being, execution in step S62; When judged result for not the time, execution in step S63;
Charge method (defining in the charge type code table) for banking has following several:
1-collects expense (online, in batches) in real time
The 2-real time billing, the automatic cycle charge
The 3-real time billing is manually by the pen charge
The 4-real time billing, manually accumulative total charge
Mode 2: after calculating expense, calculate " plan charge date ", then inquiry every day and collect that " plan charge date " is the station message recording on the same day in this table according to " the charge cycle " that define in the charge type code table.
Mode 3: when calculating expense, can't assignment " plan charge date ", but by the business personnel according to certain professional qualification, initiate charge transaction, disposable collecting all qualified station message recordings by hand.Perhaps the manual assignment of business personnel " plan charge date " is collected overdue expense on the same day then, and every expense has an independent non real-time charge middle table record.
Mode 4: identical with mode 3 basically, unique difference is that mode 4 can be merged into one with the charge record of identical number of the account, identical expense kind, disposable accumulative total deduct expense.
S62: carry out real charging according to the service charge information of determining, and after charge is finished, preserve pay imformation;
In this step, after finishing, charge preserves the usefulness that pay imformation has made things convenient for subsequent query, statistics, analysis.
S63: the service charge information of determining is kept in the non real-time charge middle table shown in the table 9, when this transaction charge, inquires about described non real-time charge middle table, after charge is finished, preserve this pay imformation to read this service charge information.
Table 9
Non real-time charge middle table is mainly in batches, and charge provides Data Source.Therefore, for improving batch processing efficient, it is defined as follows:
In sum, a kind of bank charging method provided by the invention, deposit by the metering data of bank is concentrated, unification, save billing function is dispersed in the various concrete business and handled, complete billing parameter model and account form conveniently not only are provided, and because unified billing parameter model is arranged, newly-increased metering data can well incorporate wherein, therefore, the dirigibility of bank charges, unitarity, expandability, shared property, parametrization level, professional efficient improve thereupon.Owing to increased metering period, the administrative mechanism of working time in the billing parameter model, therefore, the bank charges system has improved the ability that relativization, mass charge effectively, and by charge information is preserved, has made things convenient for subsequent query, statistics again.
Accordingly, the present invention also provides a kind of bank charges system, below in conjunction with accompanying drawing this system is described in detail.
With reference to figure 8, be the structural representation of the embodiment 1 of a kind of bank charges of the present invention system.This system comprises:
Source transaction modules among the present invention need in the banking system to refer to the transaction modules of computational costs, as current, regularly, card, loan, intermediary service etc., when the needs computational costs, these transaction modules number of the account of will concluding the business passes to the bank charges system, by charging, the charging process of bank charges system handles complexity.
Relation price computing module 22 is used for the service charge information that the fee type code determined according to described basic accounting module 21 and described metering data model are determined described transaction.
Introduce the concrete structure of each module in a kind of bank charges provided by the invention system in detail below in conjunction with accompanying drawing.
Fig. 9 is the structural representation of basic accounting module 21, and as shown in Figure 9, basic accounting module 21 specifically comprises:
The first fee type code determining unit 212, be used for when the judged result of described product judging unit 211 when being, obtain product code, and according to described product code inquiry reference _ products catalogue table with definite fee type code, wherein, comprise production number, keeping life, charging Bale No. in described reference _ products catalogue table;
The second fee type code determining unit 213, be used for when the judged result of described product judging unit 211 for not the time, inquire about described business event mapping table to obtain core business event code, the described charging condition table of inquiry according to the transaction number of the account to obtain the bar piece number, and determine fee type code according to described core business event code, bar piece number, wherein, described business event mapping table comprises block code, function number, core business event code, and described charging condition table comprises bar piece number, Currency Type, the sign of opening an account.
Wherein, the first fee type code determining unit 212 comprises:
First fee type code is determined subelement, is used for inquiring about described reference _ products catalogue table to obtain the charging Bale No. according to described product code;
Inquire about described charging bag table to read core business event code, bar piece number according to described charging Bale No., wherein, described charging bag table comprises core business event code, charging Bale No., bar piece number, fee type code, acquiescence charge type code;
Determine fee type code according to described core business event code, bar piece number.
Figure 10 is the structural representation of relation price computing module 22, and as shown in Figure 10, relation price computing module 22 specifically comprises:
Favor information judging unit 221, be used for inquiring about described fee type code table to read the basic charge information of this fee type code correspondence according to described fee type code, and judge whether to comprise in this basic charge information that permission concerns favor information, comprise in the described basic charge information coin not, whether allow to concern preferential, preferential mode, rate;
The first-hand information determining unit 222 that continues to pay dues, be used for when the judged result of described favor information judging unit 221 when being, inquire about described relativization Fee Schedule to read favor information according to described fee type code, and determine service charge information after preferential according to the favor information that reads, described relativization Fee Schedule comprises customer type, client's registration, calculating priority level, zero-time, when favor information satisfies multiple preferential mode, determine that according to calculating priority level computation sequence is to obtain final preferential mode;
Second-hand's information determining unit 223 that continues to pay dues, be used for when the judged result of described favor information judging unit 221 for not the time, directly determine service charge information according to the basic charge information that reads.
Figure 11 is the structural representation of the embodiment 2 of a kind of bank charges of the present invention system, and wherein, basic accounting module 21, relation price computing module 22 and basic accounting module 21, relation in the embodiment 1 computing module 22 of fixing a price is identical, repeats no more.
Expense tentative calculation signal judgement module 23 is used for judging whether described transaction number of the account exists expense tentative calculation information;
The first expense tentative calculation message processing module 24, be used for when the judged result of described expense tentative calculation signal judgement module when being, the service charge information of the described transaction determined is back to the source transaction modules;
The second expense tentative calculation message processing module 25, be used for when the judged result of described expense tentative calculation signal judgement module for not the time, determine the charge method of described transaction according to described transaction number of the account and described metering data model, charge according to service charge information, the charge method determined, and preserve pay imformation.
With reference to Figure 12, the second expense tentative calculation message processing module 25 specifically comprises:
Charging method determination module 251 is used for determining according to described transaction number of the account and described metering data model the charge method of described transaction;
Charge and preservation module 252, the service charge information, the charging method determination module 251 definite charge methods that are used for determining according to described relation price computing module 22 are charged, and are preserved pay imformation.
Figure 13 is the structural representation of charging method determination module 251, and as shown in Figure 13, charging method determination module 251 specifically comprises:
Charging Bale No. judging unit 2511 is used for judging according to described transaction number of the account whether the charging Bale No. of described transaction is empty;
The first charge method determining unit 2512, be used for when the judged result of described charging Bale No. judging unit 2511 when being, inquire about described fee type code table to read acquiescence charge type code, and the charge method that obtains giving tacit consent to according to described acquiescence charge type code, described fee type code table comprise coin not, expense type, acquiescence charge type code;
The second charge method determining unit 2513, be used for when the judged result of described charging Bale No. judging unit 2511 for not the time, determine charge method according to described charging bag table.
Wherein, the second charge method determining unit 2513 also comprises:
The inquiry subelement is used to inquire about described charging bag table to obtain the charging Bale No.;
The coverage information judgment sub-unit is used for inquiring about described account charging covering table according to the charging Bale No. that described inquiry subelement obtains, and judges according to described account charging covering table whether the account exists coverage information;
First handles subelement, be used for when the judged result of described coverage information judgment sub-unit when being, obtain the charge type code according to described account charging covering table, and determine charge method according to described charge type code;
Second handles subelement, be used for when the judged result of described coverage information judgment sub-unit when denying, inquire about described client according to the charging Bale No. and charge the covering table obtaining the charge type code, and determine charge method according to described charge type code.
Figure 14 is charge and preserves the structural representation of module 252 that as shown in Figure 14, charge and preservation module 252 specifically comprise:
The first charge unit 2522, be used for when the judged result of described charge judging unit 2521 when being, carry out real charging according to definite service charge information, and after charge is finished the preservation pay imformation;
The second charge unit 2523, be used for when the judged result of described charge judging unit 2521 for not the time, the service charge information of determining is kept in the non real-time charge middle table, when this transaction charge, inquire about described non real-time charge middle table to read this service charge information, after charge is finished, preserve this pay imformation.
In sum, a kind of bank charging method provided by the invention, system, by metering data with bank, concentrated, unified depositing, save billing function is dispersed in the various concrete business and handled, complete billing parameter model and account form conveniently not only are provided, and because unified billing parameter model is arranged, newly-increased metering data can well incorporate wherein, therefore, the dirigibility of bank charges, unitarity, expandability, shared property, parametrization level, professional efficient improve thereupon.Owing to increased metering period, the administrative mechanism of working time in the billing parameter model, therefore, the bank charges system has improved the ability that relativization, mass charge effectively, and by charge information is preserved, has made things convenient for subsequent query, statistics again.
Through the above description of the embodiments, those skilled in the art can be well understood to the present invention and can realize by the mode of software combined with hardware platform, can certainly all implement by hardware.Based on such understanding, all or part of can the embodying that technical scheme of the present invention contributes to background technology with the form of software product, this computer software product can be stored in the storage medium, as ROM/RAM, magnetic disc, CD etc., comprise when doing instruction with so that a computer equipment (can be a personal computer, server, the perhaps network equipment etc.) carry out the described method of some part of each embodiment of the present invention or embodiment.
More than disclosed only be the specific embodiment of the present invention; only be used for the present invention is illustrated; can not limit the present invention's protection domain with this; those skilled in the art can carry out various modifications, variation or replacement under the prerequisite that does not break away from essence of the present invention; therefore; according to the various equivalent variations that the present invention did, still belong to the scope that the present invention is contained.
Claims (19)
1. a bank charging method is characterized in that, this method comprises:
When transaction takes place, the transaction number of the account that the reception sources transaction modules sends, and determine fee type code according to this transaction number of the account and the metering data model of leaving the bank charges data concentratedly preset;
The service charge information of determining described transaction according to the fee type code of determining and described metering data model.
2. the method for claim 1 is characterized in that, described metering data model comprises:
Business event mapping table, charging condition table, charging bag table, fee type code table, client charge covering table, account charging covering table, relativization Fee Schedule, pay imformation table, non real-time charge middle table.
3. method as claimed in claim 2 is characterized in that, determines that according to this transaction number of the account and the default metering data model of leaving the bank charges data concentratedly fee type code comprises:
Judge whether comprise product code in the described transaction according to this transaction number of the account;
When judged result when being, then obtain product code, and according to described product code inquiry reference _ products catalogue table with definite fee type code, wherein, comprise production number, keeping life, charging Bale No. in described reference _ products catalogue table;
When judged result for not the time, then inquire about described business event mapping table to obtain core business event code, the described charging condition table of inquiry to obtain the bar piece number according to the transaction number of the account, and determine fee type code according to described core business event code, bar piece number, wherein, described business hours mapping table comprises block code, function number, core business event code, and described charging condition table comprises bar piece number, Currency Type, the sign of opening an account.
4. method as claimed in claim 3 is characterized in that, comprises with definite fee type code according to described product code inquiry reference _ products catalogue table:
Inquire about described reference _ products catalogue table to obtain the charging Bale No. according to described product code;
Inquire about described charging bag table to read core business event code, bar piece number according to described charging Bale No., wherein, described charging bag table comprises core business event code, charging Bale No., bar piece number, fee type code, acquiescence charge type code;
Determine fee type code according to described core business event code, bar piece number.
5. method as claimed in claim 2 is characterized in that, determines that according to fee type code and the described metering data model determined the service charge information of described transaction comprises:
Inquire about described fee type code table to read the basic charge information of this fee type code correspondence according to described fee type code, comprise in the described basic charge information coin not, whether allow to concern preferential, preferential mode, rate;
When comprising in the described basic charge information that permission concerns favor information, inquire about described relativization Fee Schedule to read favor information according to described fee type code, and determine service charge information after preferential according to the favor information that reads, described relativization Fee Schedule comprises customer type, client's registration, calculating priority level, zero-time, when favor information satisfies multiple preferential mode, determine that according to calculating priority level computation sequence is to obtain final preferential mode;
When comprising in the described basic charge information when not allowing to concern favor information, directly determine service charge information according to the basic charge information that reads.
6. method as claimed in claim 5 is characterized in that, described method also comprises after the service charge information of determining described transaction according to the fee type code of determining and described metering data model:
Judge and whether have expense tentative calculation information in the described transaction number of the account;
When judged result when being, the service charge information of the described transaction determined is back to the source transaction modules, this method finishes;
When judged result for not the time, determine the charge method of described transaction according to described transaction number of the account and described metering data model, charge according to service charge information, the charge method determined, and preserve pay imformation.
7. method as claimed in claim 6 is characterized in that, determines that according to described transaction number of the account and described metering data model the charge method of described transaction comprises:
Whether the charging Bale No. of judging described transaction according to described transaction number of the account is empty;
When judged result when being, inquire about described fee type code table reading acquiescence charge type code, and the charge method that obtains giving tacit consent to according to described acquiescence charge type code, described fee type code table comprise coin not, expense type, acquiescence charge type code;
When judged result for not the time, determine charge method according to described charging bag table.
8. method as claimed in claim 7 is characterized in that, determines that according to described charging bag table charge method comprises:
Inquire about described charging bag table to obtain the charging Bale No.;
Inquire about described account charging covering table according to described charging Bale No., judge according to described account charging covering table whether the account exists coverage information;
When judged result when being, obtain the charge type code according to described account charging covering table, and determine charge method according to described charge type code;
When judged result for not the time, inquire about described client according to the charging Bale No. and charge the covering table obtaining the charge type code, and determine charge method according to described charge type code.
9. method as claimed in claim 6 is characterized in that, service charge information, charge method that described basis is determined are charged, and the preservation pay imformation comprises:
Judge whether to carry out real charging according to described charge type code;
When judged result when being, carry out real charging according to the service charge information of determining, and charge is finished after the preservation pay imformation;
When judged result for not the time, the service charge information of determining is kept in the non real-time charge middle table, when this transaction charge, inquire about described non real-time charge middle table to read this service charge information, after charge is finished, preserve this pay imformation.
10. a bank charges system is characterized in that, this system comprises:
Basic accounting module is used for when transaction takes place, the transaction number of the account that the reception sources transaction modules sends, and determine fee type code according to this transaction number of the account and the metering data model of leaving the bank charges data concentratedly preset;
Relation price computing module is used for the service charge information that the fee type code determined according to described basic accounting module and described metering data model are determined described transaction.
11. system as claimed in claim 10 is characterized in that, described metering data model comprises:
Business event mapping table, charging condition table, charging bag table, fee type code table, client charge covering table, account charging covering table, relativization Fee Schedule, pay imformation table, non real-time charge middle table.
12. system as claimed in claim 11 is characterized in that, described basic accounting module comprises:
The product judging unit is used for judging according to this transaction number of the account whether described transaction comprises product code;
The first fee type code determining unit, be used for when the judged result of described product judging unit when being, obtain product code, and according to described product code inquiry reference _ products catalogue table with definite fee type code, wherein, comprise production number, keeping life, charging Bale No. in described reference _ products catalogue table;
The second fee type code determining unit, be used for when the judged result of described product judging unit for not the time, inquire about described business event mapping table to obtain core business event code, the described charging condition table of inquiry according to the transaction number of the account to obtain the bar piece number, and determine fee type code according to described core business event code, bar piece number, wherein, described business hours mapping table comprises block code, function number, core business event code, and described charging condition table comprises bar piece number, Currency Type, the sign of opening an account.
13. system as claimed in claim 12 is characterized in that, the described first fee type code determining unit also comprises:
First fee type code is determined subelement, is used to be achieved as follows operation: inquire about described reference _ products catalogue table to obtain the charging Bale No. according to described product code; Inquire about described charging bag table to read core business event code, bar piece number according to described charging Bale No.; Determine fee type code according to described core business event code, bar piece number, wherein, described charging bag table comprises core business event code, charging Bale No., bar piece number, fee type code, acquiescence charge type code.
14. system as claimed in claim 11 is characterized in that, described relation price computing module comprises:
The favor information judging unit, be used for inquiring about described fee type code table to read the basic charge information of this fee type code correspondence according to described fee type code, and judge whether to comprise in this basic charge information that permission concerns favor information, comprise in the described basic charge information coin not, whether allow to concern preferential, preferential mode, rate;
The first-hand information determining unit that continues to pay dues, be used for when the judged result of described favor information judging unit when being, inquire about described relativization Fee Schedule to read favor information according to described fee type code, and determine service charge information after preferential according to the favor information that reads, described relativization Fee Schedule comprises customer type, client's registration, calculating priority level, zero-time, when favor information satisfies multiple preferential mode, determine that according to calculating priority level computation sequence is to obtain final preferential mode;
Second-hand's information determining unit that continues to pay dues, be used for when the judged result of described favor information judging unit for not the time, directly determine service charge information according to the basic charge information that reads.
15. system as claimed in claim 14 is characterized in that, described system also comprises:
Expense tentative calculation signal judgement module is used for judging whether described transaction number of the account exists expense tentative calculation information;
The first expense tentative calculation message processing module, be used for when the judged result of described expense tentative calculation signal judgement module when being, the service charge information of the described transaction determined is back to the source transaction modules;
The second expense tentative calculation message processing module, be used for when the judged result of described expense tentative calculation signal judgement module for not the time, determine the charge method of described transaction according to described transaction number of the account and described metering data model, charge according to service charge information, the charge method determined, and preserve pay imformation.
16. system as claimed in claim 15 is characterized in that, the described second expense tentative calculation message processing module comprises:
The charging method determination module is used for determining according to described transaction number of the account and described metering data model the charge method of described transaction;
Charge and preservation module are used for charging according to service charge information, the definite charge method of charging method determination module that described relation price computing module is determined, and preserve pay imformation.
17. system as claimed in claim 16 is characterized in that, described charging method determination module comprises:
Charging Bale No. judging unit is used for judging according to described transaction number of the account whether the charging Bale No. of described transaction is empty;
The first charge method determining unit, be used for when the judged result of described charging Bale No. judging unit when being, inquire about described fee type code table to read acquiescence charge type code, and the charge method that obtains giving tacit consent to according to described acquiescence charge type code, described fee type code table comprise coin not, expense type, acquiescence charge type code;
The second charge method determining unit, be used for when the judged result of described charging Bale No. judging unit for not the time, determine charge method according to described charging bag table.
18. system as claimed in claim 17 is characterized in that, the described second charge method determining unit also comprises:
The inquiry subelement is used to inquire about described charging bag table to obtain the charging Bale No.;
The coverage information judgment sub-unit is used for inquiring about described account charging covering table according to the charging Bale No. that described inquiry subelement obtains, and judges according to described account charging covering table whether the account exists coverage information;
First handles subelement, be used for when the judged result of described coverage information judgment sub-unit when being, obtain the charge type code according to described account charging covering table, and determine charge method according to described charge type code;
Second handles subelement, be used for when the judged result of described coverage information judgment sub-unit when denying, inquire about described client according to the charging Bale No. and charge the covering table obtaining the charge type code, and determine charge method according to described charge type code.
19. system as claimed in claim 16 is characterized in that, described charge and preservation module comprise:
The charge judging unit is used for judging whether to carry out real charging according to described charge type code;
The first charge unit, be used for when the judged result of described charge judging unit when being, carry out real charging according to definite service charge information, and after charge is finished the preservation pay imformation;
The second charge unit, be used for when the judged result of described charge judging unit for not the time, the service charge information of determining is kept in the non real-time charge middle table, when this transaction charge, inquire about described non real-time charge middle table to read this service charge information, after charge is finished, preserve this pay imformation.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010102722729A CN101916481A (en) | 2010-09-01 | 2010-09-01 | Bank charging method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010102722729A CN101916481A (en) | 2010-09-01 | 2010-09-01 | Bank charging method and system |
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| Publication Number | Publication Date |
|---|---|
| CN101916481A true CN101916481A (en) | 2010-12-15 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2010102722729A Pending CN101916481A (en) | 2010-09-01 | 2010-09-01 | Bank charging method and system |
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| Country | Link |
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| CN (1) | CN101916481A (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102693591A (en) * | 2011-03-23 | 2012-09-26 | 冲电气工业株式会社 | Automatic transaction apparatus and program actualizing the function of the apparatus |
| CN106557975A (en) * | 2016-11-16 | 2017-04-05 | 中国银行股份有限公司 | The charge of banking system on-line transaction determines method and system |
| CN107657523A (en) * | 2017-10-11 | 2018-02-02 | 中启行物联科技（北京）有限公司 | A kind of multichannel formality cost calculating method |
| CN109472580A (en) * | 2018-10-31 | 2019-03-15 | 中国银行股份有限公司 | A kind of repaying expense charging method and device |
| CN109583973A (en) * | 2018-12-20 | 2019-04-05 | 中国银行股份有限公司 | A kind of calculation method and device of expense preference |
| CN109978690A (en) * | 2019-03-21 | 2019-07-05 | 深圳壹账通智能科技有限公司 | The dynamic adjusting method and relevant device of formality rate based on big data |
| CN113706216A (en) * | 2021-09-03 | 2021-11-26 | 神州数码融信软件有限公司 | Novel differentiated charging calculation method |
| CN115829713A (en) * | 2022-12-09 | 2023-03-21 | 深圳优讯科技有限公司 | Multi-dimension-based commission fee data processing method and device and related medium |
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2010
- 2010-09-01 CN CN2010102722729A patent/CN101916481A/en active Pending
Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102693591A (en) * | 2011-03-23 | 2012-09-26 | 冲电气工业株式会社 | Automatic transaction apparatus and program actualizing the function of the apparatus |
| CN102693591B (en) * | 2011-03-23 | 2015-06-17 | 冲电气工业株式会社 | Automatic transaction apparatus |
| CN106557975A (en) * | 2016-11-16 | 2017-04-05 | 中国银行股份有限公司 | The charge of banking system on-line transaction determines method and system |
| CN106557975B (en) * | 2016-11-16 | 2020-08-04 | 中国银行股份有限公司 | Bank system online transaction charging determination method and system |
| CN107657523A (en) * | 2017-10-11 | 2018-02-02 | 中启行物联科技（北京）有限公司 | A kind of multichannel formality cost calculating method |
| CN109472580A (en) * | 2018-10-31 | 2019-03-15 | 中国银行股份有限公司 | A kind of repaying expense charging method and device |
| CN109583973A (en) * | 2018-12-20 | 2019-04-05 | 中国银行股份有限公司 | A kind of calculation method and device of expense preference |
| CN109583973B (en) * | 2018-12-20 | 2023-01-24 | 中国银行股份有限公司 | Calculation method and device of cost preference |
| CN109978690A (en) * | 2019-03-21 | 2019-07-05 | 深圳壹账通智能科技有限公司 | The dynamic adjusting method and relevant device of formality rate based on big data |
| CN113706216A (en) * | 2021-09-03 | 2021-11-26 | 神州数码融信软件有限公司 | Novel differentiated charging calculation method |
| CN115829713A (en) * | 2022-12-09 | 2023-03-21 | 深圳优讯科技有限公司 | Multi-dimension-based commission fee data processing method and device and related medium |
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Application publication date: 20101215 |