CN108876570B - Electronic device, method for processing abnormal fund problem and storage medium - Google Patents
Electronic device, method for processing abnormal fund problem and storage medium Download PDFInfo
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Abstract
The invention relates to an electronic device, a method for processing abnormal fund problems and a storage medium, wherein the method comprises the following steps: after receiving an abnormal problem in a clearing and checking process based on fund receipt and payment, determining a problem type to which the abnormal problem belongs and a total amount related to the abnormal problem, wherein the problem type comprises a receipt and payment type and a non-receipt and payment type; determining the processing priority of the abnormal problem based on the predetermined problem type and the incidence relation between the total amount related to the abnormal problem and the processing priority, and determining the processing timeliness of the abnormal problem based on the predetermined incidence relation between the processing priority and the processing timeliness; and acquiring a reconciliation parameter corresponding to the problem type, calculating a processing deadline T of the abnormal problem according to the processing timeliness, the reconciliation parameter and the total amount related to the abnormal problem, and sequencing the abnormal problems in sequence according to the processing deadline T for processing. The invention can avoid delay processing or omission of major problems and reduce loss.
Description
Technical Field
The invention relates to the technical field of finance, in particular to an electronic device, a method for processing abnormal fund problems and a storage medium.
Background
At present, the settlement and check of the insurance fund (such as pension) collection and payment mainly adopt the bank batch transfer online payment mode, and the fund group members of the financial center often find some abnormal problems in the processes of the stock-out settlement and the return check, such as: similar to the problems of abnormal disk feeding, unknown items to be checked during disk returning checking and the like caused by repeated disk feeding, and the influence degree and the urgency degree of each problem are different. The capital group members report the problems to the processing group through the problem reporting system, and the traditional scheme is that the system determines the processing time limit according to the urgency degree and the problem reporting time selected by the user, and because the number of reported problems is very large, the traditional scheme is easy to cause great problems to delay the processing or omit, and cause irreparable loss.
Disclosure of Invention
The invention aims to provide an electronic device, a fund abnormal problem processing method and a storage medium, aiming at avoiding delay processing or omission of major abnormal problems in clearing and checking processes of fund receipt and payment.
In order to achieve the above object, the present invention provides an electronic device, which includes a memory and a processor connected to the memory, wherein the memory stores a processing system capable of running on the processor, and when executed by the processor, the processing system implements the following steps:
a first determination step of determining the type of the abnormal problem and the total amount related to the abnormal problem after receiving the abnormal problem in the clearing and checking process based on fund receipt and payment, wherein the problem type comprises a receipt type and a non-receipt type;
a second determination step of determining the processing priority of the abnormal problem based on the association relationship between the predetermined problem type, the total amount involved in the abnormal problem and the processing priority, and determining the processing timeliness of the abnormal problem based on the association relationship between the predetermined processing priority and the processing timeliness;
and a calculating step, namely acquiring a harmonic parameter corresponding to the problem type, calculating a processing time limit T of the abnormal problem according to the processing timeliness, the harmonic parameter and the total amount related to the abnormal problem, and sequencing the abnormal problems in sequence according to the processing time limit T for processing by processing personnel.
Preferably, the step of calculating the processing deadline of the abnormal problem comprises:
the processing time limit T = TD [1.5- (2/pi) · arctan (alpha M) ], TD is the processing aging, alpha is the harmonic parameter corresponding to the problem type of the abnormal problem, and M is the total amount related to the abnormal problem.
Preferably, the processing priorities include a first priority P1, a second priority P2, and a third priority P3, where P1> P2> P3, and the step of determining the processing priority of the abnormal problem based on a predetermined problem type, a predetermined association relationship between a total amount involved in the abnormal problem and the processing priority specifically includes:
if the problem type of the abnormal problem is a receiving and paying type and the total amount related to the abnormal problem is larger than a first preset amount, determining the processing priority of the abnormal problem as a first priority P1;
if the problem type of the abnormal problem is a receiving and paying type and the total amount involved in the abnormal problem is less than or equal to a first preset amount and greater than a second preset amount, determining the processing priority of the abnormal problem as a second priority P2;
if the problem type of the abnormal problem is a receiving and paying type and the total amount involved in the abnormal problem is less than or equal to a second preset amount, determining that the processing priority of the abnormal problem is a third priority P3, wherein the first preset amount is greater than the second preset amount;
if the problem type of the abnormal problem is a non-receipt and payment type and the total amount related to the abnormal problem is larger than a third preset amount, determining the processing priority of the abnormal problem as a first priority P1;
if the problem type of the abnormal problem is a non-receipt-payment type, and the total amount involved by the abnormal problem is less than or equal to a third preset amount and greater than a fourth preset amount, determining the processing priority of the abnormal problem as a second priority P2;
if the problem type of the abnormal problem is a non-receipt and payment type and the total amount involved in the abnormal problem is less than or equal to a fourth preset amount, determining that the processing priority of the abnormal problem is a third priority P3, wherein the third preset amount is greater than the fourth preset amount, and the fourth preset amount is greater than the first preset amount.
Preferably, the processing system, when executed by the processor, further implements the steps of:
for the abnormal problem with the processing priority being the first priority P1, when the deadline time from the processing deadline T is a first preset time, if the abnormal problem is monitored to be in an unfinished state, the abnormal problem is identified as an emergency processing state for processing by a processing personnel in a priority way;
for an abnormal problem with a processing priority of a second priority P2 or a third priority P3, when the deadline time from the processing deadline T is a second preset time, if the abnormal problem is monitored to be in an unfinished state, the processing priority of the abnormal problem is improved, the processing timeliness of the abnormal problem is determined based on the improved processing priority, the processing deadline T of the abnormal problem is recalculated according to the processing timeliness, the reconciliation parameters and the total amount related to the abnormal problem determined this time, the abnormal problem is sorted according to the recalculated processing deadline T for processing by a processing person, and the first preset time is shorter than the second preset time.
In order to achieve the above object, the present invention further provides a method for handling abnormal fund questions, wherein the method for handling abnormal fund questions comprises:
s1, after receiving abnormal problems in the clearing and checking process based on fund receipt and payment, determining the problem types of the abnormal problems and the total amount related to the abnormal problems, wherein the problem types comprise receipt and payment types and non-receipt and payment types;
s2, determining the processing priority of the abnormal problem based on the predetermined problem type and the incidence relation between the total amount related to the abnormal problem and the processing priority, and determining the processing timeliness of the abnormal problem based on the predetermined incidence relation between the processing priority and the processing timeliness;
and S3, acquiring a harmonic parameter corresponding to the problem type, calculating a processing time limit T of the abnormal problem according to the processing timeliness, the harmonic parameter and the total amount related to the abnormal problem, and sequencing the abnormal problems in sequence according to the processing time limit T for processing by processing personnel.
Preferably, the step of calculating the processing deadline of the exception issue includes:
the processing period T = TD x [1.5- (2/pi) arc tan (alpha x M) ], TD is the processing time limit, alpha is the reconciliation parameter corresponding to the problem type of the abnormal problem, and M is the total amount related to the abnormal problem.
Preferably, the processing priorities include a first priority P1, a second priority P2, and a third priority P3, where P1> P2> P3, and the step of determining the processing priority of the abnormal problem based on a predetermined problem type, a predetermined association relationship between a total amount involved in the abnormal problem and the processing priority specifically includes:
if the problem type of the abnormal problem is a receiving and paying type and the total amount related to the abnormal problem is larger than a first preset amount, determining the processing priority of the abnormal problem as a first priority P1;
if the problem type of the abnormal problem is a receipt and payment type, and the total amount involved by the abnormal problem is less than or equal to a first preset amount and greater than a second preset amount, determining the processing priority of the abnormal problem as a second priority P2;
if the problem type of the abnormal problem is a receiving and paying type and the total amount involved in the abnormal problem is less than or equal to a second preset amount, determining that the processing priority of the abnormal problem is a third priority P3, wherein the first preset amount is greater than the second preset amount;
if the problem type of the abnormal problem is a non-receipt-payment type and the total amount involved in the abnormal problem is larger than a third preset amount, determining that the processing priority of the abnormal problem is a first priority P1;
if the problem type of the abnormal problem is a non-receipt-payment type, and the total amount involved by the abnormal problem is less than or equal to a third preset amount and greater than a fourth preset amount, determining the processing priority of the abnormal problem as a second priority P2;
if the problem type of the abnormal problem is a non-receipt-payment type and the total amount involved in the abnormal problem is less than or equal to a fourth preset amount, determining that the processing priority of the abnormal problem is a third priority P3, wherein the third preset amount is greater than the fourth preset amount, and the fourth preset amount is greater than the first preset amount.
Preferably, the method for processing the abnormal fund problem further comprises the following steps:
for an abnormal problem with a processing priority of a first priority P1, when the deadline time from the processing deadline T is a first preset time, if the abnormal problem is monitored to be in an unfinished state, the abnormal problem is identified as an emergency processing state for processing by a processing person;
for the abnormal problems with the processing priority being the second priority P2 or the third priority P3, when the deadline time from the processing deadline T is a second preset time, if the abnormal problems are monitored to be in an unfinished state, the processing priority of the abnormal problems is improved, the processing timeliness of the abnormal problems is determined based on the improved processing priority, the processing deadline T of the abnormal problems is recalculated according to the processing timeliness, the harmonic parameters and the total amount related to the abnormal problems which are determined at this time, the abnormal problems are sorted according to the recalculated processing deadline T and are processed by processing personnel, and the first preset time is shorter than the second preset time.
Preferably, the method for processing the abnormal fund problem further comprises the following steps:
when the deadline T from the processing deadline of the abnormal problem is a third preset time, if the abnormal problem is monitored to be in a finished state, a finishing identifier is generated;
and if the abnormal problem is in an unfinished state, generating a reminding message and sending the reminding message to a preset terminal for processing by a processing person.
The present invention also provides a computer readable storage medium having stored thereon a processing system which, when executed by a processor, performs the steps of the above-described method of fund exception problem handling.
The invention has the beneficial effects that: in the practical application scene of the disc-out clearing and disc-back checking, if an abnormal problem occurs, firstly, the problem type of the abnormal problem and the total amount related to the abnormal problem are determined, then, the processing priority of the abnormal problem and the processing timeliness corresponding to the processing priority are determined according to the problem type and the total amount related to the abnormal problem, the processing deadline T related to the problem type and the total amount related to the abnormal problem is calculated on the basis of the processing timeliness, finally, the abnormal problems are comprehensively sequenced according to the processing deadline T, and when the number of reported abnormal problems is large, the abnormal problems are processed in sequence, so that the delay processing or omission of major problems can be avoided, and the loss can be reduced.
Drawings
FIG. 1 is a diagram illustrating a hardware architecture of an electronic device according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a method for handling abnormal fund problems according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and do not limit the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that the description relating to "first", "second", etc. in the present invention is for descriptive purposes only and is not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In addition, technical solutions between various embodiments may be combined with each other, but must be realized by a person skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination should not be considered to exist, and is not within the protection scope of the present invention.
Fig. 1 is a schematic diagram of a hardware architecture of an electronic device according to an embodiment of the invention. The electronic apparatus 1 is a device capable of automatically performing numerical calculation and/or information processing in accordance with a command set in advance or stored. The electronic device 1 may be a computer, or may be a single network server, a server group composed of a plurality of network servers, or a cloud composed of a large number of hosts or network servers based on cloud computing, where cloud computing is one of distributed computing and is a super virtual computer composed of a group of loosely coupled computers.
In the present embodiment, the electronic device 1 may include, but is not limited to, a memory 11, a processor 12, and a network interface 13, which are communicatively connected to each other through a system bus, wherein the memory 11 stores a processing system operable on the processor 12. It is noted that fig. 1 only shows the electronic device 1 with components 11-13, but it is to be understood that not all shown components are required to be implemented, and that more or less components may be implemented instead.
The storage 11 includes a memory and at least one type of readable storage medium. The memory provides cache for the operation of the electronic device 1; the readable storage medium may be a non-volatile storage medium such as a flash memory, a hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, etc. In some embodiments, the readable storage medium may be an internal storage unit of the electronic apparatus 1, such as a hard disk of the electronic apparatus 1; in other embodiments, the non-volatile storage medium may also be an external storage device of the electronic apparatus 1, such as a plug-in hard disk provided on the electronic apparatus 1, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like. In this embodiment, the readable storage medium of the memory 11 is generally used for storing an operating system and various types of application software installed in the electronic device 1, for example, program codes of a processing system in an embodiment of the present invention. Further, the memory 11 may also be used to temporarily store various types of data that have been output or are to be output.
The processor 12 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data Processing chip in some embodiments. The processor 12 is generally used for controlling the overall operation of the electronic apparatus 1, such as performing control and processing related to data interaction or communication with other devices. In this embodiment, the processor 12 is configured to run the program code stored in the memory 11 or process data, for example, run a processing system.
The network interface 13 may comprise a wireless network interface or a wired network interface, and the network interface 13 is generally used for establishing a communication connection between the electronic apparatus 1 and other electronic devices.
The processing system is stored in the memory 11 and includes at least one computer readable instruction stored in the memory 11, which is executable by the processor 12 to implement the method of the embodiments of the present application; and the at least one computer readable instruction may be divided into different logic modules depending on the functions implemented by the respective portions.
In one embodiment, the processing system when executed by the processor 12 implements the steps of:
a first determination step of determining a type of a problem to which an abnormal problem belongs and a total amount of money involved in the abnormal problem after receiving the abnormal problem in the clearing and checking process based on the receipt and payment of funds;
the present embodiment is applied to clearing and checking of capital receipt and payment in the financial field, such as clearing and checking of pension capital receipt and payment. The issue types include a pay type and a non-pay type. The payment type includes repeated payment and wrong payment, for example, in the process of clearing and sending the batch, or in the process of returning the batch, accounting and returning the sales, etc., once the same content of the files of the batch A and the batch B is found, the suspected repeated payment needs to be reported for problem verification, and the type is the repeated payment at this moment; in the fund accounting process, the problem that the amount of the online bank is inconsistent with the amount of the account checking file, the account checking file has a batch changed, but the amount of the online bank is inconsistent without the account checking is suspected to be mistakenly received and paid, the problem needs to be reported for verification, and the type is wrong receipt and payment. Non-receipt-payment type disk sending abnormity, disk return file not being taken, account checking file not being taken, reimbursement failure, bank system abnormity and the like.
When the above-mentioned abnormal problem is received, the total amount of money relating to the abnormal problem is directly acquired, or the total amount of money relating to the abnormal problem is counted to finally obtain the total amount of money relating to the abnormal problem, and the total amount of money relating to the abnormal problem is, for example, 10 ten thousand, 50 ten thousand, 100 ten thousand, or 500 ten thousand.
A second determination step of determining the processing priority of the abnormal problem based on the association relationship between the predetermined problem type, the total amount involved in the abnormal problem and the processing priority, and determining the processing timeliness of the abnormal problem based on the association relationship between the predetermined processing priority and the processing timeliness;
in one embodiment, the processing priorities include a first priority P1, a second priority P2, and a third priority P3, P1> P2> P3, i.e., the first priority P1 is highest, the second priority P2 is next to the first priority P3, and the third priority P3 is lowest. The step of determining the processing priority of the abnormal problem based on the association relationship among the predetermined problem type, the total amount involved by the abnormal problem and the processing priority comprises the following steps:
if the problem type of the abnormal problem is a receipt and payment type and the total amount involved in the abnormal problem is greater than a first preset amount (for example, the total amount is greater than 5 ten thousand), determining that the processing priority of the abnormal problem is a first priority P1;
if the problem type of the abnormal problem is a receipt and payment type, and the total amount involved in the abnormal problem is less than or equal to a first preset amount and greater than a second preset amount (for example, the total amount is less than or equal to 5 ten thousand and greater than 1 ten thousand), determining that the processing priority of the abnormal problem is a second priority P2;
if the problem type of the abnormal problem is a receipt and payment type and the total amount involved in the abnormal problem is less than or equal to a second preset amount (for example, the total amount is less than or equal to 1 ten thousand), determining that the processing priority of the abnormal problem is a third priority P3, wherein the first preset amount is greater than the second preset amount;
if the problem type of the abnormal problem is a non-receipt-payment type and the total amount involved in the abnormal problem is larger than a third preset amount (for example, the total amount is larger than 500 ten thousand), determining that the processing priority of the abnormal problem is a first priority P1;
if the problem type of the abnormal problem is a non-receipt-payment type and the total amount involved in the abnormal problem is less than or equal to a third preset amount and greater than a fourth preset amount (for example, the total amount is less than or equal to 500 ten thousand and greater than 100 ten thousand), determining that the processing priority of the abnormal problem is a second priority P2;
if the problem type of the abnormal problem is a non-receipt-payment type and the total amount involved in the abnormal problem is less than or equal to a fourth preset amount (for example, the total amount is less than or equal to 100 ten thousand), determining that the processing priority of the abnormal problem is a third priority P3, wherein the third preset amount is greater than the fourth preset amount, and the fourth preset amount is greater than the first preset amount.
In this embodiment, the different problem types and the processing priorities corresponding to the total amount related thereto are different, and the problem types corresponding to the different abnormal problems, the total amount related to the abnormal problems, and the processing priorities are associated and stored in advance. The receiving and paying type has the largest influence on the service, so that under the condition that the receiving and paying type and the non-receiving and paying type are in the same total amount, the processing priority of the receiving and paying type is higher, and the required solution period is shorter; while the processing priority of the non-pay type is relatively low and the required resolution period is relatively loose.
In this embodiment, different processing priorities correspond to different processing timeliness, and the different processing priorities and the corresponding processing timeliness are associated and stored in advance. After the processing priority is determined according to the type of the problem and the total amount related to the problem, the corresponding processing timeliness can be determined according to the processing priority. The treatment aging is required to solve the abnormal problem within the treatment aging. Preferably, the treatment aging for the first priority P1 is 2 hours, the treatment aging for the second priority P2 is 6 hours, and the treatment aging for the third priority P3 is 18 hours.
And a calculating step, namely acquiring a harmonic parameter corresponding to the problem type, calculating a processing time limit T of the abnormal problem according to the processing timeliness, the harmonic parameter and the total amount related to the abnormal problem, and sequencing the abnormal problems in sequence according to the processing time limit T for processing by processing personnel.
In this embodiment, the reconciliation parameters are preset for different problem types, and the corresponding reconciliation parameter having a large influence on the service is large, so that the reconciliation parameter of the pay type is larger than the reconciliation parameter of the non-pay type. In one embodiment, the step of calculating the processing deadline of the exception issue comprises: the processing period T = TD x [1.5- (2/pi) arc tan (alpha x M) ], TD is the processing time limit, alpha is the reconciliation parameter corresponding to the problem type of the abnormal problem, and M is the total amount related to the abnormal problem.
In one embodiment, for the receipt and payment type, the reconciliation parameter α is 1/10000; for the non-pay-and-receive type, the reconciliation parameter α is a value between n/10000000 and n is (0, 10), for example, the unknown payment item verification α takes a value of 7/10000000, and the return disk file α takes a value of 5/10000000. (2/pi) × arctan (α × M) is a value between (0, 1), and then [1.5- (2/pi) × arctan (α × M) ] is a value between (1.5, 0.5), that is, the processing deadline T is floated around the processing time of TD according to the type of problem of the abnormal problem and the total amount involved, so that the processing deadline T is not a fixed value determined according to the processing priority but a value determined according to the type of problem and the total amount involved. And finally, sequencing all the abnormal problems in sequence according to the processing time limit T for processing by processing personnel so as to avoid delayed processing or omission of major problems.
Compared with the prior art, in the practical application scenario of the outbound clearing and the return checking, if an abnormal problem occurs, firstly determining the problem type of the abnormal problem and the total amount related to the abnormal problem, then determining the processing priority of the abnormal problem according to the problem type and the total amount related to the abnormal problem, and the processing timeliness corresponding to the processing priority, calculating the processing deadline T related to the problem type and the total amount related to the abnormal problem on the basis of the processing timeliness, finally performing comprehensive sequencing on the abnormal problems according to the processing deadline T, and when the number of reported abnormal problems is large, performing sequential processing, so as to avoid delay processing or omission of major problems, and reduce loss.
To further avoid delayed processing or omission of major problems, in an embodiment, if the processing priorities include a first priority P1, a second priority P2 and a third priority P3, P1> P2> P3, for an abnormal problem with the processing priority being the first priority P1, when the deadline time from the processing deadline T is a first preset time (for example, the first preset time is 1 hour), if the abnormal problem is detected to be in an incomplete state, the abnormal problem is identified as an emergency processing state and can be set to be processed by the processing personnel in a priority manner;
for an abnormal problem with a processing priority other than the first priority P1, that is, an abnormal problem with the second priority P2 or the third priority P3, when the deadline time from the processing deadline T is a second preset time (for example, the second preset time is 3 hours), the first preset time is less than the second preset time, and if the abnormal problem is detected to be in an incomplete state, the processing priority of the abnormal problem is increased, for example, the processing priority of the abnormal problem is the second priority P2, and is increased to the first priority P1. Re-determining the processing timeliness of the abnormal problems based on the improved processing priority, re-calculating the processing deadline T of the abnormal problems according to the processing timeliness, the harmonic parameters and the total amount related to the abnormal problems determined at this time, and re-sequencing the abnormal problems according to the re-calculated processing deadline T for processing personnel to perform priority processing.
The embodiment performs upgrading processing on some abnormal problems which are close to the deadline of the processing deadline T but are not solved, for example, the abnormal problems are identified as an emergency processing state or the processing deadline is recalculated and sequenced for processing personnel to perform priority processing, so that the delay processing or omission of major problems is further avoided.
In order to further avoid delayed processing or omission of major problems, in another embodiment, for all the abnormal problems with processing priorities, when the deadline from the processing deadline T of the abnormal problem is a third preset time, for example, the third preset time is 2 hours, if it is detected that the abnormal problem is in a completed state, a completion identifier is generated, and the abnormal problem can be removed from the list corresponding to the sorting so as to facilitate a processing person to view other unprocessed abnormal problems; if the abnormal problem is monitored to be in an unfinished state, a reminding message is generated and sent to a preset terminal, and processing personnel can preferentially process the abnormal problems which are already reminded.
As shown in fig. 2, fig. 2 is a schematic flow chart of an embodiment of the method for handling the abnormal fund problem according to the present invention, and the method for handling the abnormal fund problem includes the following steps:
step S1, after receiving an abnormal problem in the clearing and checking process based on fund receipt and payment, determining the problem type of the abnormal problem and the total amount related to the abnormal problem, wherein the problem type comprises a receipt and payment type and a non-receipt and payment type;
the present embodiment is applied to clearing and checking of capital receipt and payment in the financial field, such as clearing and checking of pension capital receipt and payment. The issue types include a pay type and a non-pay type. The payment type includes repeated payment and wrong payment, for example, in the process of clearing and sending the batch, or in the process of returning the batch, accounting and returning the sales, etc., once the same content of the files of the batch A and the batch B is found, the suspected repeated payment needs to be reported for problem verification, and the type is the repeated payment at this moment; in the fund accounting process, the problem that the amount of the online bank is inconsistent with the amount of the account checking file, the account checking file has a batch changed, but the amount of the online bank is inconsistent without the account checking is suspected to be mistakenly received and paid, the problem needs to be reported for verification, and the type is wrong receipt and payment. Non-receipt-payment type disk sending abnormity, disk return file not being taken, account checking file not being taken, reimbursement failure, bank system abnormity and the like.
When the above-mentioned abnormal problem is received, the total amount of money relating to the abnormal problem is directly acquired, or the total amount of money relating to the abnormal problem is counted to finally obtain the total amount of money relating to the abnormal problem, and the total amount of money relating to the abnormal problem is, for example, 10 ten thousand, 50 ten thousand, 100 ten thousand, or 500 ten thousand.
S2, determining the processing priority of the abnormal problem based on the predetermined problem type and the incidence relation between the total amount related to the abnormal problem and the processing priority, and determining the processing timeliness of the abnormal problem based on the predetermined incidence relation between the processing priority and the processing timeliness;
in one embodiment, the processing priorities include a first priority P1, a second priority P2, and a third priority P3, P1> P2> P3, i.e., the first priority P1 is the highest, the second priority P2 is the next highest, and the third priority P3 is the lowest. The step of determining the processing priority of the abnormal problem based on the association relationship among the predetermined problem type, the total amount involved by the abnormal problem and the processing priority comprises the following steps:
if the problem type of the abnormal problem is a receipt and payment type and the total amount involved in the abnormal problem is greater than a first preset amount (for example, the total amount is greater than 5 ten thousand), determining that the processing priority of the abnormal problem is a first priority P1;
if the problem type of the abnormal problem is a receipt and payment type, and the total amount involved in the abnormal problem is less than or equal to a first preset amount and greater than a second preset amount (for example, the total amount is less than or equal to 5 ten thousand and greater than 1 ten thousand), determining that the processing priority of the abnormal problem is a second priority P2;
if the problem type of the abnormal problem is a receipt and payment type and the total amount involved in the abnormal problem is less than or equal to a second preset amount (for example, the total amount is less than or equal to 1 ten thousand), determining that the processing priority of the abnormal problem is a third priority P3, wherein the first preset amount is greater than the second preset amount;
if the problem type of the abnormal problem is a non-receipt-payment type and the total amount involved in the abnormal problem is larger than a third preset amount (for example, the total amount is larger than 500 ten thousand), determining that the processing priority of the abnormal problem is a first priority P1;
if the problem type of the abnormal problem is a non-receipt-payment type and the total amount involved in the abnormal problem is less than or equal to a third preset amount and greater than a fourth preset amount (for example, the total amount is less than or equal to 500 ten thousand and greater than 100 ten thousand), determining that the processing priority of the abnormal problem is a second priority P2;
if the problem type of the abnormal problem is a non-receipt-payment type and the total amount involved in the abnormal problem is less than or equal to a fourth preset amount (for example, the total amount is less than or equal to 100 ten thousand), determining that the processing priority of the abnormal problem is a third priority P3, wherein the third preset amount is greater than the fourth preset amount, and the fourth preset amount is greater than the first preset amount.
In this embodiment, the processing priorities corresponding to the different problem types and the total amount related thereto are different, and the problem types corresponding to the different abnormal problems, the total amount related to the abnormal problems, and the processing priorities are associated and stored in advance. The receiving and paying type has the largest influence on the service, so that under the condition that the receiving and paying type and the non-receiving and paying type have the same total amount, the processing priority of the receiving and paying type is higher, and the required solution time limit is shorter; while the processing priority of the non-pay type is relatively low and the required resolution period is relatively loose.
In this embodiment, different processing priorities correspond to different processing timeliness, and the different processing priorities and the corresponding processing timeliness are associated and stored in advance. After the processing priority is determined according to the type of the problem and the total amount related to the problem, the corresponding processing timeliness can be determined according to the processing priority. The treatment aging is required to solve the abnormal problem within the treatment aging. Preferably, the treatment aging for the first priority P1 is 2 hours, the treatment aging for the second priority P2 is 6 hours, and the treatment aging for the third priority P3 is 18 hours.
And S3, acquiring a harmonic parameter corresponding to the problem type, calculating a processing time limit T of the abnormal problem according to the processing timeliness, the harmonic parameter and the total amount related to the abnormal problem, and sequencing the abnormal problems according to the processing time limit T for processing by a processing person.
In this embodiment, the reconciliation parameters are preset for different problem types, and the corresponding reconciliation parameter having a large influence on the service is large, so that the reconciliation parameter of the pay type is larger than that of the reconciliation parameter of the non-pay type. In one embodiment, the step of calculating the processing deadline of the exception issue comprises: the processing time limit T = TD [1.5- (2/pi) · arctan (alpha M) ], TD is the processing aging, alpha is the harmonic parameter corresponding to the problem type of the abnormal problem, and M is the total amount related to the abnormal problem.
In one embodiment, for the receipt and payment type, the reconciliation parameter α is 1/10000; for the non-payment type, the reconciliation parameter α is a value between n/10000000 and n (0, 10), for example, the unknown item verifies α to be 7/10000000, and the unrecoverable disk file α is to be 5/10000000. (2/pi) × arctan (α × M) is a value between (0, 1), and then [1.5- (2/pi) × arctan (α × M) ] is a value between (1.5, 0.5), that is, the processing deadline T is floated around the processing time of TD according to the type of problem of the abnormal problem and the total amount involved, so that the processing deadline T is not a fixed value determined according to the processing priority but a value determined according to the type of problem and the total amount involved. And finally, sequencing the abnormal problems in sequence according to the processing time limit T for processing by processing personnel so as to avoid delayed processing or omission of major problems.
Compared with the prior art, in the practical application scenario of the outbound clearing and the return checking, if an abnormal problem occurs, firstly determining the problem type of the abnormal problem and the total amount related to the abnormal problem, then determining the processing priority of the abnormal problem according to the problem type and the total amount related to the abnormal problem, and the processing timeliness corresponding to the processing priority, calculating the processing deadline T related to the problem type and the total amount related to the abnormal problem on the basis of the processing timeliness, finally performing comprehensive sequencing on the abnormal problems according to the processing deadline T, and when the number of reported abnormal problems is large, performing sequential processing, so as to avoid delay processing or omission of major problems, and reduce loss.
To further avoid delayed processing or omission of major problems, in an embodiment, if the processing priorities include a first priority P1, a second priority P2 and a third priority P3, P1> P2> P3, for an abnormal problem with the processing priority being the first priority P1, when the deadline time from the processing deadline T is a first preset time (for example, the first preset time is 1 hour), if the abnormal problem is detected to be in an incomplete state, the abnormal problem is identified as an emergency processing state and can be set to be processed by the processing personnel in a priority manner;
for the abnormal problem with the processing priority other than the first priority P1, that is, the abnormal problem with the second priority P2 or the third priority P3, when the deadline time from the processing deadline T is a second preset time (for example, the second preset time is 3 hours), the first preset time is shorter than the second preset time, and if the abnormal problem is detected to be in an incomplete state, the processing priority of the abnormal problem is increased, for example, the processing priority of the abnormal problem is the second priority P2, which is increased to the first priority P1. Re-determining the processing timeliness of the abnormal problems based on the improved processing priority, re-calculating the processing deadline T of the abnormal problems according to the processing timeliness, the harmonic parameters and the total amount related to the abnormal problems determined at this time, and re-sequencing the abnormal problems according to the re-calculated processing deadline T for the processing personnel to perform priority processing.
The embodiment performs upgrading processing on some abnormal problems which are close to the deadline of the processing deadline T but are not solved, for example, the abnormal problems are identified as an emergency processing state or the processing deadline is recalculated and sequenced for processing personnel to perform priority processing, so that the delay processing or omission of major problems is further avoided.
In order to further avoid delayed processing or omission of major problems, in another embodiment, for all the abnormal problems with processing priorities, when the deadline from the processing deadline T of the abnormal problem is a third preset time, for example, the third preset time is 2 hours, if it is detected that the abnormal problem is in a completed state, a completion identifier is generated, and the abnormal problem can be removed from the list corresponding to the sorting so as to facilitate a processing person to view other unprocessed abnormal problems; if the abnormal problem is monitored to be in an unfinished state, a reminding message is generated and sent to a preset terminal, and processing personnel can preferentially process the abnormal problems which are already reminded.
The present invention also provides a computer readable storage medium having stored thereon a processing system which, when executed by a processor, performs the steps of the above-described method of fund exception problem handling.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention, and all equivalent structures or equivalent processes performed by the present invention or directly or indirectly applied to other related technical fields are also included in the scope of the present invention.
Claims (10)
1. An electronic device, comprising a memory and a processor connected to the memory, wherein the memory stores a processing system operable on the processor, and the processing system when executed by the processor implements the following steps:
a first determination step of determining a problem type to which an abnormal problem belongs and a total amount related to the abnormal problem after receiving the abnormal problem in the clearing and checking process based on the fund receipt and payment, wherein the problem type comprises a receipt and payment type and a non-receipt and payment type;
a second determination step of determining the processing priority of the abnormal problem based on the association relationship between the predetermined problem type, the total amount involved in the abnormal problem and the processing priority, and determining the processing timeliness of the abnormal problem based on the association relationship between the predetermined processing priority and the processing timeliness;
and a calculating step, namely acquiring a harmonic parameter corresponding to the problem type, calculating a processing time limit T of the abnormal problem according to the processing timeliness, the harmonic parameter and the total amount related to the abnormal problem, and sequencing the abnormal problems in sequence according to the processing time limit T for processing by processing personnel.
2. The electronic device of claim 1, wherein the step of calculating the processing deadline of the abnormal issue comprises:
the processing period T = TD x [1.5- (2/pi) arc tan (alpha x M) ], TD is the processing time limit, alpha is the reconciliation parameter corresponding to the problem type of the abnormal problem, and M is the total amount related to the abnormal problem.
3. The electronic device according to claim 1 or 2, wherein the processing priority includes a first priority P1, a second priority P2, and a third priority P3, P1> P2> P3, and the step of determining the processing priority of the abnormal problem based on a predetermined association relationship between the problem type, the total amount involved in the abnormal problem, and the processing priority specifically includes:
if the problem type of the abnormal problem is a receipt and payment type and the total amount involved by the abnormal problem is larger than a first preset amount, determining the processing priority of the abnormal problem as a first priority P1;
if the problem type of the abnormal problem is a receiving and paying type and the total amount involved in the abnormal problem is less than or equal to a first preset amount and greater than a second preset amount, determining the processing priority of the abnormal problem as a second priority P2;
if the problem type of the abnormal problem is a receipt and payment type and the total amount involved in the abnormal problem is less than or equal to a second preset amount, determining that the processing priority of the abnormal problem is a third priority P3, wherein the first preset amount is greater than the second preset amount;
if the problem type of the abnormal problem is a non-receipt and payment type and the total amount related to the abnormal problem is larger than a third preset amount, determining the processing priority of the abnormal problem as a first priority P1;
if the problem type of the abnormal problem is a non-receipt-payment type, and the total amount involved by the abnormal problem is less than or equal to a third preset amount and greater than a fourth preset amount, determining the processing priority of the abnormal problem as a second priority P2;
if the problem type of the abnormal problem is a non-receipt-payment type and the total amount involved in the abnormal problem is less than or equal to a fourth preset amount, determining that the processing priority of the abnormal problem is a third priority P3, wherein the third preset amount is greater than the fourth preset amount, and the fourth preset amount is greater than the first preset amount.
4. The electronic device of claim 3, wherein the processing system, when executed by the processor, further performs the steps of:
for an abnormal problem with a processing priority of a first priority P1, when the deadline time from the processing deadline T is a first preset time, if the abnormal problem is monitored to be in an unfinished state, the abnormal problem is identified as an emergency processing state for processing by a processing person;
for an abnormal problem with a processing priority of a second priority P2 or a third priority P3, when the deadline time from the processing deadline T is a second preset time, if the abnormal problem is monitored to be in an unfinished state, the processing priority of the abnormal problem is improved, the processing timeliness of the abnormal problem is determined based on the improved processing priority, the processing deadline T of the abnormal problem is recalculated according to the processing timeliness, the reconciliation parameters and the total amount related to the abnormal problem determined this time, the abnormal problem is sorted according to the recalculated processing deadline T for processing by a processing person, and the first preset time is shorter than the second preset time.
5. A method for handling abnormal fund problems, the method comprising:
s1, after receiving abnormal problems in the clearing and checking process based on fund receipt and payment, determining the problem types of the abnormal problems and the total amount related to the abnormal problems, wherein the problem types comprise receipt and payment types and non-receipt and payment types;
s2, determining the processing priority of the abnormal problem based on the predetermined problem type and the incidence relation between the total amount related to the abnormal problem and the processing priority, and determining the processing timeliness of the abnormal problem based on the predetermined incidence relation between the processing priority and the processing timeliness;
and S3, acquiring a harmonic parameter corresponding to the problem type, calculating a processing time limit T of the abnormal problem according to the processing timeliness, the harmonic parameter and the total amount related to the abnormal problem, and sequencing the abnormal problems in sequence according to the processing time limit T for processing by a processing person.
6. The method for fund exception problem handling according to claim 5, wherein the step of calculating the processing deadline of the exception problem comprises:
the processing period T = TD x [1.5- (2/pi) arc tan (alpha x M) ], TD is the processing time limit, alpha is the reconciliation parameter corresponding to the problem type of the abnormal problem, and M is the total amount related to the abnormal problem.
7. The method for processing fund abnormal problems according to claim 5 or 6, wherein the processing priorities comprise a first priority P1, a second priority P2 and a third priority P3, P1> P2> P3, and the step of determining the processing priority of the abnormal problem based on the predetermined association relationship between the problem type, the total amount involved in the abnormal problem and the processing priority specifically comprises:
if the problem type of the abnormal problem is a receiving and paying type and the total amount related to the abnormal problem is larger than a first preset amount, determining the processing priority of the abnormal problem as a first priority P1;
if the problem type of the abnormal problem is a receiving and paying type and the total amount involved in the abnormal problem is less than or equal to a first preset amount and greater than a second preset amount, determining the processing priority of the abnormal problem as a second priority P2;
if the problem type of the abnormal problem is a receiving and paying type and the total amount involved in the abnormal problem is less than or equal to a second preset amount, determining that the processing priority of the abnormal problem is a third priority P3, wherein the first preset amount is greater than the second preset amount;
if the problem type of the abnormal problem is a non-receipt-payment type and the total amount involved in the abnormal problem is larger than a third preset amount, determining that the processing priority of the abnormal problem is a first priority P1;
if the problem type of the abnormal problem is a non-receipt-payment type, and the total amount involved by the abnormal problem is less than or equal to a third preset amount and greater than a fourth preset amount, determining the processing priority of the abnormal problem as a second priority P2;
if the problem type of the abnormal problem is a non-receipt and payment type and the total amount involved in the abnormal problem is less than or equal to a fourth preset amount, determining that the processing priority of the abnormal problem is a third priority P3, wherein the third preset amount is greater than the fourth preset amount, and the fourth preset amount is greater than the first preset amount.
8. The method of fund exception problem handling according to claim 7, further comprising:
for an abnormal problem with a processing priority of a first priority P1, when the deadline time from the processing deadline T is a first preset time, if the abnormal problem is monitored to be in an unfinished state, the abnormal problem is identified as an emergency processing state for processing by a processing person;
for an abnormal problem with a processing priority of a second priority P2 or a third priority P3, when the deadline time from the processing deadline T is a second preset time, if the abnormal problem is monitored to be in an unfinished state, the processing priority of the abnormal problem is improved, the processing timeliness of the abnormal problem is determined based on the improved processing priority, the processing deadline T of the abnormal problem is recalculated according to the processing timeliness, the reconciliation parameters and the total amount related to the abnormal problem determined this time, the abnormal problem is sorted according to the recalculated processing deadline T for processing by a processing person, and the first preset time is shorter than the second preset time.
9. The method for fund exception problem handling according to claim 5 or 6, further comprising:
when the deadline T from the processing deadline of the abnormal problem is a third preset time, if the abnormal problem is monitored to be in a finished state, a finishing identifier is generated;
and if the abnormal problem is in an unfinished state, generating a reminding message and sending the reminding message to a preset terminal for processing by a processing person.
10. A computer readable storage medium having stored thereon a processing system, the processing system when executed by a processor implementing the steps of the method of funds anomaly issue processing as claimed in any one of claims 5 to 9.
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| CN201810370082.7A CN108876570B (en) | 2018-04-24 | 2018-04-24 | Electronic device, method for processing abnormal fund problem and storage medium |
| PCT/CN2018/102099 WO2019205372A1 (en) | 2018-04-24 | 2018-08-24 | Electronic device, capital exception processing method and storage medium |
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| KR20140068434A (en) * | 2012-11-28 | 2014-06-09 | 중소기업은행 | System and method for integrated fault management by monitoring of financial terminal |
| CN107861852A (en) * | 2017-06-26 | 2018-03-30 | 平安普惠企业管理有限公司 | Webpage error handling method, system and readable storage medium storing program for executing |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| US8380621B1 (en) * | 2007-02-28 | 2013-02-19 | Island Intellectual Property Llc | Systems, methods and program products for swap processing for uninsured accounts |
| CN102056201A (en) * | 2009-10-30 | 2011-05-11 | 中国移动通信集团广西有限公司 | Method and device for processing abnormal condition in service process |
| CN106096854A (en) * | 2016-06-20 | 2016-11-09 | 财付通支付科技有限公司 | A kind of data processing method and device |
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