CN109559215A - Business datum accounting method, device, equipment and computer readable storage medium - Google Patents
Business datum accounting method, device, equipment and computer readable storage medium Download PDFInfo
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- CN109559215A CN109559215A CN201811207761.9A CN201811207761A CN109559215A CN 109559215 A CN109559215 A CN 109559215A CN 201811207761 A CN201811207761 A CN 201811207761A CN 109559215 A CN109559215 A CN 109559215A
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Abstract
The present invention discloses a kind of business datum accounting method, device, equipment and computer readable storage medium, the described method includes: when receiving business datum, each business datum is verified, and after verifying successfully to each business datum based on the debt side information configuration accounting sequence in each business datum；When receiving accounting requests, accounting identifier corresponding with the accounting requests and accounting data are read, and determine to calculation business data according to the accounting identifier；According to the ordinal type to calculation business data with the accounting sequence, the accounting data is called to calculate to described to calculation business data.This programme is that each business datum configures accounting sequence according to debt side's information, ordinal type according to the had accounting sequence of each business datum calculates each business datum, the data update processing for realizing business datum, so that the accounting mode of business datum is more flexible.
Description
Technical field
The invention mainly relates to technical field of data processing, specifically, being related to a kind of business datum accounting method, dress
It sets, equipment and computer readable storage medium.
Background technique
With the development of technology, during operation, involved assets packet is more and more, in assets packet for financial institution
Including a plurality of business datum, the debt information of the corresponding debt side of every business datum, including debt side, debt side's correspondent party
Formula, amount owed etc.；When repaying to its debt, financial institution needs to business datum corresponding to the debt side for debt side
It is calculated, to determine remaining amount owed after debt side repays debt.Financial institution owes to difference at present
When the business datum of money side is calculated, no matter debt side's refund credit quality, according to same accounting sequence to business datum into
Row is calculated；Accounting mode is not flexible, is unfavorable for promoting the refund of debt side.
Summary of the invention
The main object of the present invention is to provide a kind of business datum accounting method, device, equipment and computer-readable storage
Medium, it is intended to solve in the prior art to calculate each business datum according to same accounting sequence, accounting mode is ineffective
Problem living.
To achieve the above object, the present invention provides a kind of business datum accounting method, the business datum accounting method packet
Include following steps:
When receiving business datum, each business datum is verified, and to each industry after verifying successfully
Data of being engaged in are based on debt side's information configuration accounting sequence in each business datum；
When receiving accounting requests, accounting identifier corresponding with the accounting requests and accounting data are read, and
It is determined according to the accounting identifier to calculation business data；
According to the ordinal type to calculation business data with the accounting sequence, the accounting data pair is called
It is described to be calculated to calculation business data.
Preferably, described that each business datum is believed based on the debt side in each business datum after verifying successfully
Ceasing the step of configuring accounting sequence includes:
When detect be proved to be successful identifier when, read debt side's information in each business datum, and according to described
Debt side's information carries out grade of service division to each business datum, wherein refund corresponding to debt side's information is believed
Higher with integrating, the grade of service is higher；
According to the corresponding relationship between the preset grade of service and accounting sequence, for each grade of service with division
Items business datum configuration accounting sequence.
Preferably, the ordinal type according to calculation business data with the accounting sequence calls institute
State accounting data includes: to described the step of calculating to calculation business data
The type identification to calculation business data with the accounting sequence is read, and according to the type identification
Determine the ordinal type to calculation business data with the accounting sequence；
When the ordinal type is a kind of accounting sequence, then call the accounting data to described to calculation business data
In capital subdata calculated；
When the ordinal type is two class accounting sequence, then call the accounting data to described to calculation business data
In interest subdata calculated；
When the ordinal type is three classes accounting sequence, then call the accounting data to described to calculation business data
In service charge subdata calculated.
Preferably, described that the accounting data is called to calculate the capital subdata in calculation business data
The step of include:
Whether the judgement data value to capital subdata in accounting data is preset value, if the capital subdata
Data value is preset value, then the accounting data is called to calculate the interest subdata in calculation business data；
If the data value of the capital subdata is not preset value, executes and call the accounting data to described wait calculate
The step of capital subdata in business datum is calculated.
Preferably, described that each business datum is believed based on the debt side in each business datum after verifying successfully
Include: after the step of breath configuration accounting sequence
Read the purchase cost data of each business datum institute source assets packet, the debt total amount number of the assets packet
According to and each business datum debt subdata；
According to the purchase cost data, debt total amount data and each debt subdata, each business datum is determined
The sub- cost of buying, and each business subdata is carried out more with the sub- cost of buying corresponding with each business datum
Newly.
Preferably, described according to the purchase cost data, debt total amount data and each debt subdata, determine each institute
The step of stating the buying sub- cost of business datum include:
The purchase cost data, debt total amount data and each debt subdata are transferred in preset formula,
According to the preset formula, the sub- cost of buying of each business datum is generated；
The preset formula are as follows:
Wherein, yi indicates that the sub- cost of each buying, m indicate that purchase cost data, ni indicate that each debt subdata, n indicate to owe
Money total amount data.
Preferably, described that the accounting data is called to wrap to after described the step of calculating to calculation business data
It includes:
When detection reaches preset time, each accounting data is counted, generates refund total amount data；
The refund total amount data and the debt total amount data are done into ratio, generate the refund of the assets packet
Rate.
In addition, to achieve the above object, the present invention also proposes that a kind of business datum calculates device, and the business datum is calculated
Device includes:
Configuration module, for being verified to each business datum, and verifying successfully when receiving business datum
Afterwards to each business datum based on debt side's information configuration accounting sequence in each business datum；
Determining module, for when receiving accounting requests, read accounting identifier corresponding with the accounting requests with
And accounting data, and determined according to the accounting identifier to calculation business data；
Module is calculated, for calling according to the ordinal type to calculation business data with the accounting sequence
The accounting data is calculated to described to calculation business data.
In addition, to achieve the above object, the present invention also proposes that a kind of business datum calculates equipment, and the business datum is calculated
Equipment includes: that memory, processor, communication bus and the business datum being stored on the memory calculate program；
The communication bus is for realizing the connection communication between processor and memory；
The processor calculates program for executing the business datum, to perform the steps of
When receiving business datum, each business datum is verified, and to each industry after verifying successfully
Data of being engaged in are based on debt side's information configuration accounting sequence in each business datum；
When receiving accounting requests, accounting identifier corresponding with the accounting requests and accounting data are read, and
It is determined according to the accounting identifier to calculation business data；
According to the ordinal type to calculation business data with the accounting sequence, the accounting data pair is called
It is described to be calculated to calculation business data.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Storage medium be stored with one perhaps more than one program the one or more programs can by one or one with
On processor execute to be used for:
When receiving business datum, each business datum is verified, and to each industry after verifying successfully
Data of being engaged in are based on debt side's information configuration accounting sequence in each business datum；
When receiving accounting requests, accounting identifier corresponding with the accounting requests and accounting data are read, and
It is determined according to the accounting identifier to calculation business data；
According to the ordinal type to calculation business data with the accounting sequence, the accounting data pair is called
It is described to be calculated to calculation business data.
The business datum accounting method of the present embodiment, after being verified successfully to received business datum, to each business datum
According to debt side's information configuration accounting sequence in business datum, to characterize the accounting mode of each business datum；When receiving core
Request is calculated, when needing to calculate business datum, reads accounting identifier corresponding with the accounting requests and accounting data,
With by calculate identifier determine calculated in each business datum to calculation business data；And then according to this wait calculate
The ordinal type of the had accounting sequence of business datum calls accounting data to treat calculation business data and is calculated.This programme
It is that each business datum configures accounting sequence according to debt side's information, so that establishing corresponding relationship between debt side and accounting sequence；
The difference of accounting sequence, institute, debt side refund are different；In debt side, information, which embodies debt side, has preferable letter of refunding
With, then configure refund it is less accounting sequence；And embodying debt side in debt side's information has poor refund credit,
Then configure the accounting sequence of normal refund；According to the credit quality of the embodied debt side of debt side's information, and to business number
According to different accounting sequences is configured, so that accounting mode is more flexible, and the refund of debt side may advantageously facilitate.
Detailed description of the invention
Fig. 1 is the flow diagram of business datum accounting method first embodiment of the invention；
Fig. 2 is the functional block diagram that business datum of the invention calculates device first embodiment；
Fig. 3 is the device structure schematic diagram for the hardware running environment that present invention method is related to.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of business datum accounting method.
Fig. 1 is please referred to, Fig. 1 is the flow diagram of business datum accounting method first embodiment of the present invention.In this implementation
In example, the business datum accounting method includes:
Step S10 verifies each business datum, and right after verifying successfully when receiving business datum
Each business datum is based on debt side's information configuration accounting sequence in each business datum；
Business datum accounting method of the invention is applied to the server in financial institution, suitable for passing through financial institution
Server calculates the business datum in assets packet；Wherein assets packet is purchased by financial institution to the third-party institution
The debt information bought, each debt information are present in assets packet in the form of EXCEL file, and a line in EXCEL file is corresponding
One debt information；Debt side's title is included at least in every debt information, ID card No., telephone number, debt type, is owed
The data such as money account, amount owed, debt duration characterize every terms of information possessed by every debt.One debt information is made
Include various multinomial business datums in assets packet for a business datum, each business datum with a debt side
It is corresponding.Server is connected with information and shows recording device, shows and is provided on the display interface of recording device for business datum
The virtual key of importing.When having to the importing demand of business datum in assets packet, the virtual key is triggered, by the virtual key
Trigger action as business datum importing request.When receiving importing request, then the importing is requested targeted
Every business datum is verified, to ensure to request safety and the information integrity of the every business datum imported, and
Server preservation is imported into after every business datum verifies successfully.
Specifically, verification includes blacklist verification and null value verification, and history in financial institution is determined as risk in advance
Data form default blacklist, by all data comparisons in business datum and the default blacklist, judge be in business datum
It is no with the data being present in default blacklist.When judging that there is the number that is present in blacklist in business datum by contrast
According to then illustrating that the business datum has historied risk information, without carrying out import operation to the business datum；When judging industry
Do not have in business data and be present in data in blacklist, then illustrate that the business datum does not have the risk information of history, and carries out
Import operation；It is verified by blacklist, it is ensured that the safety of imported business datum.In the safety for having detected business datum
Afterwards, it is also necessary to ensure the integrality of business datum；Verify whether the required item in each business datum is null value, wherein required item
To carry out data necessary to collection, such as debt side's telephone number, amount owed to debt.When detecting to deposit in business datum
When any one required item is null value, then explanation, which lacks, carries out data necessary to collection to debt, may cause financial machine
Structure can not carry out normal collection to debt, and this is lacked the business datum of required item without import operation.It additionally can be with
Whether the format for verifying every business datum is all satisfied requirement, i.e., required by the format of business datum and the various information of debt
Whether format corresponds to, and the format as required by telephone number or date is digital data；Pass through the required item and business number
According to the verification of format, to ensure the information integrity of imported business datum and the accuracy of format.Verified out each business
Do not have the information that is stored in default blacklist in data, and after each information is complete, format is accurate, each business datum can be led
Enter and is saved into server.
Because business datum exists in rows in the EXCEL of assets packet, when being imported to business datum, with
Behavior unit in EXCEL file, a line content in each Read EXCEL Document is imported, until in EXCEL file
All row contents import completion.In order to distinguish to every business datum of importing, conduct is distributed to every business datum
The number of identifier forms the otherness between every business datum, such as first item business datum number 0001, Section 2 business
Data number 0002 etc..
It further, include debt capital, interest on arrears and debt service charge, debt in amount owed in business datum
Side can set and carry out to any one in debt capital, interest on arrears or debt service charge when repaying to its debt
It repays；Different modes of satisfaction corresponds to different accounting sequences, after each business datum verifies successfully, to the core of each business datum
Calculation sequence is configured, to characterize the refund sequence of each debt side.Because different refund sequences has an impact to the total amount of refund,
Such as first cash payment on account capital, interest on arrears is reduced, and can make the reduction of refund total amount；And first cash payment on account interest, then it will not make
Interest on arrears is raised and lowered.Different business datums corresponds to different debt sides, and different debt sides has different refund
Credit it can be arranged first cash payment on account capital for the debt side that has a good credit of refund, and to the debt side of refund credit difference,
Then it can be arranged the mechanism of first cash payment on account interest.The quality of debt side's refund credit can be by included in business datum
Debt side's information representation, so that debt side's information in each business datum can be read, and then according to debt side's information configuration core
Calculation sequence.Specifically, suitable based on debt side's information configuration accounting in each business datum to each business datum after verifying successfully
The step of sequence includes:
Step S11, when detect be proved to be successful identifier when, read debt side's information in each business datum, and
According to debt side's information, grade of service division is carried out to each business datum, wherein corresponding to debt side's information
Refund credit score it is higher, the grade of service is higher；
After carrying out safety and completeness check to each business datum, the mark of characterization verification success or failure can be generated
Symbol then reads debt side's information in each business datum when detecting that characterization verification is successfully proved to be successful identifier, this is owed
Money side's information includes the essential information of debt side and historical information two parts of debt side, and wherein essential information is the money of debt side
Information and credit information etc. are produced, and historical information is debt side there are in the case where multiple debt, is repaid in a debt
Later, but continue borrow money be formed by historical information.For the debt side with multiple debt, there are historical informations and basic letter
Breath；And the debt side of corresponding first debt, then historical information is not present, only exists essential information.Debt side's information can be direct
It is read out as the composition data in business datum, can also first read debt side's identity information in business datum, then by owing
Money side's identity information further reads debt side's information.Different debt sides has different historical information and essential information,
The historical information and essential information can reflect the fine or not situation of the refund credit of debt side, and the fine or not situation of the refund credit
It is embodied with refund credit score；Refund credit score is higher, and refund credit situation is better.
When information includes essential information and historical information when debt side, then historical information is preferentially selected to reflect refund credit
Integral；When debt side's information only includes essential information, then reflect refund credit score according to essential information；And then by refunding
Credit score divides the grade of service, characterizes the grade of service possessed by every business datum, reflects the quality of debt side's credit.
When refund overdue situation of debt side is less in historical information, then illustrating that its history refund credit is preferable, refund credit score is higher,
And divide the higher grade of service；And debt side's overdue situation of refunding is more in the historical information, then illustrates that its history is refunded letter
With poor, refund credit score is lower, and divides the lower grade of service.Preset overdue refund rate and refund credit product
Point and the corresponding relationship between refund credit score and the grade of service, generated and owed by historical information in debt side's information
The overdue refund rate of money side；It is determined and the overdue refund rate by the corresponding relationship between overdue refund rate and refund credit score again
Corresponding refund credit score, and then determined and refund credit product by the corresponding relationship between refund credit score and the grade of service
Divide the corresponding grade of service, the business datum in information institute, the debt side source is divided into the grade of service.Likewise, setting in advance
The corresponding relationship between essential information and refund credit score and refund credit score and the grade of service is determined, by owing for reading
The essential information of essential information and setting in money side's information compares；Determine setting essential information in base in debt side's information
The consistent essential information of this information, using refund credit score corresponding to the consistent essential information as with base in debt side's information
The corresponding refund credit score of this information, and then determined and should be gone back by the corresponding relationship between refund credit score and the grade of service
Business datum with debt side's information is divided into the grade of service by the corresponding grade of service of money credit score.
Step S12 is each described with division according to the corresponding relationship between the preset grade of service and accounting sequence
The items of the grade of service business datum configuration accounting sequence.
Further, for debt capital, interest on arrears and debt hand included by amount owed in business datum
It continues to pay dues and calculate when being arranged in order, it is different according to the difference of the had grade of service of each business datum.As having compared with Gao Ye
Debt side in the business datum for grade of being engaged in may be configured as the mode of satisfaction of first cash payment on account capital cash payment on account interest again, and
The accounting sequence of the corresponding mode of satisfaction is first to calculate debt capital to calculate interest on arrears again；And the industry with the lower grade of service
Debt side in data of being engaged in then is set as the mode of satisfaction of first cash payment on account interest cash payment on account capital again, the corresponding repayment side
The accounting sequence of formula is first to calculate interest on arrears to calculate debt capital etc. again.It presets between the grade of service and accounting sequence
Corresponding relationship, after dividing the grade of service to each business datum, server is according to the preset grade of service and accounting sequence
Between corresponding relationship, to every business datum configuration accounting sequence with different business grade, i.e., configuration to debt capital,
Interest on arrears, the accounting sequence of debt service charge, carried out according to accounting sequence in the repayment amount for receiving debt side
It calculates.
Step S20 reads accounting identifier corresponding with the accounting requests and accounting when receiving accounting requests
Data, and determined according to the accounting identifier to calculation business data；
Its had debt when carrying out the repayment amount repaid, is needed to owe the debt side when receiving debt side
The money amount of money is calculated, to determine debt side's amount owed remaining after repaying operation；And it can be by receiving refund
When the amount of money, automatic trigger accounting requests.The accounting identifier in characterization repayment amount source is carried in the accounting requests and is gone back
The accounting data of money amount of money size, i.e., accounting identifier, which characterizes, calculates the amount owed in which business datum,
And accounting data characterizes debt side to the repayment quantity of amount owed.Using the accounting requests of the triggering as the accounting received
Request reads wherein entrained accounting identifier and accounting data, and identify according to calculating when receiving the accounting requests
Symbol calculated required for determining in each business datum to calculation business data, to wait for calculation business number to this with accounting data
According to being calculated.
Step S30 calls the core according to the ordinal type to calculation business data with the accounting sequence
The evidence that counts is calculated to described to calculation business data.
Understandably, because each business datum is each equipped with respective accounting sequence, determine calculated to core
It calculates business datum and also carries corresponding accounting sequence；The ordinal type of the accounting sequence is read, which characterizes core
The sequential system of calculation, it may include from debt capital, interest on arrears to debt service charge, from interest on arrears, debt capital to debt
Service charge, or from ordinal types such as debt service charge, interest on arrears, debt capitals.According to the had core of calculation business data
The ordinal type of calculation sequence falls to treat calculation business data with accounting data and calculated；As being debt sheet when its ordinal type
When gold, interest on arrears are to debt service charge, then first debt capital are calculated with accounting data, calculated in debt capital
At that is, debt side again calculates interest on arrears with accounting data after the completion of repaying to its deficient capital of institute, finally just with accounting
Data calculate debt service charge, all repay and complete until the amount owed of debt side.
The business datum accounting method of the present embodiment, after being verified successfully to received business datum, to each business datum
According to debt side's information configuration accounting sequence in business datum, to characterize the accounting mode of each business datum；When receiving core
Request is calculated, when needing to calculate business datum, reads accounting identifier corresponding with the accounting requests and accounting data,
With by calculate identifier determine calculated in each business datum to calculation business data；And then according to this wait calculate
The ordinal type of the had accounting sequence of business datum calls accounting data to treat calculation business data and is calculated.This programme
It is that each business datum configures accounting sequence according to debt side's information, so that establishing corresponding relationship between debt side and accounting sequence；
The difference of accounting sequence, institute, debt side refund are different；In debt side, information, which embodies debt side, has preferable letter of refunding
With, then configure refund it is less accounting sequence；And embodying debt side in debt side's information has poor refund credit,
Then configure the accounting sequence of normal refund；According to the credit quality of the embodied debt side of debt side's information, and to business number
According to different accounting sequences is configured, so that accounting mode is more flexible, and the refund of debt side may advantageously facilitate.
Further, in another embodiment of business datum accounting method of the present invention, it is described according to calculation business
Data have the ordinal type of the accounting sequence, and the accounting data is called to calculate to described to calculation business data
The step of include:
Step S31 reads the type identification to calculation business data with the accounting sequence, and according to described
Type identification determines the ordinal type to calculation business data with the accounting sequence；
Further, in order to characterize the ordinal type of accounting sequence, different classes is set with for different ordinal types
Type mark reads the type mark to the had accounting sequence of calculation business data when treating calculation business data and being calculated
Know, and the type identification of the type identification of the reading and each ordinal type of setting is compared, determines to calculation business data institute
Ordinal type with accounting sequence.Specifically, using from the ordinal type of debt capital, interest on arrears to debt service charge as
A kind of accounting sequence, and set corresponding a kind of mark；It will be from the ordinal type of interest on arrears, debt capital to debt service charge
As two class accounting sequences, and set corresponding two classes mark；It will be from the sequence of debt service charge, interest on arrears to debt capital
Type sets corresponding three classes mark as three classes accounting sequence.By the type identification of reading and a kind of, two classes and three categories
Knowledge compares respectively, is by contrast ordinal type corresponding to consistent identity type, as corresponding suitable to calculation business data
Sequence type is treated calculation business data and is calculated according to the ordinal type.
Step S32 then calls the accounting data to described wait calculate when the ordinal type is a kind of accounting sequence
Capital subdata in business datum is calculated；
When by contrast determine when the ordinal type of the had accounting sequence of calculation business data for one kind accounting sequence when, then
Illustrate that the accounting sequence to calculation business data is followed successively by debt capital, interest on arrears and debt service charge, to call refund
Data are treated the capital subdata in calculation business data and are calculated.Refund data are currently refunded to operate and be repaid by debt side
Repayment amount, capital subdata is debt side's debt capital remaining before carrying out current operation of refunding；With deficient when accounting
Money capital subtracts repayment amount, i.e. capital subdata subtracts accounting data, and subtracting each other obtained result is that debt side is being worked as
The remaining debt capital for needing to repay after preceding operation of refunding.After the completion of the debt capital of debt side is repaid, then further
Interest on arrears is calculated, the repayment amount that debt side is repaid is subtracted with to the interest on arrears in calculation business data, to debt
Interest is calculated.After the completion of interest on arrears repayment, then debt service charge is further calculated, in calculation business data
Debt service charge subtracts the repayment amount that debt side is repaid, to calculate to debt service charge；When debt service charge is repaid
After the completion, then determine that debt side treats the amount owed that calculation business data are characterized and repays completion.Because in a kind of accounting sequence
In, after the completion of being repaid to debt capital, just interest on arrears is calculated；To need first to sentence when calculating debt capital
Determine whether debt capital repays completion；Specifically, accounting data is called to treat the progress of the capital subdata in calculation business data
The step of accounting includes:
Step S321, whether the judgement data value to capital subdata in accounting data is preset value, if described
The data value of gold data is preset value, then calls the accounting data to the interest subdata in calculation business data
It is calculated；
Because the debt capital that debt side owes is a certain numerical value, the i.e. data value one to capital subdata in accounting data
It is fixed, and the data value is reduced with operation is repaid；When being reduced to preset value, then determines that debt capital is repaid and complete, this is pre-
If being worth is pre-set a certain numerical value, preferably 0.When being calculated to capital subdata, first judge in accounting data
Whether the data value of capital subdata is preset value, if it is preset value, illustrates that debt capital has repaid completion, and is needed
The interest subdata treated in calculation business data is calculated.The interest subdata is is characterized debt to calculation business data
Interest on arrears in the amount of money is called accounting data to treat the interest subdata in calculation business data and is calculated, that is, uses interest
Subdata subtracts accounting data, subtracts each other obtained result and needs to repay for debt side is remaining after carrying out current operation of refunding
Interest on arrears.
Understandably, for the accounting of debt service charge in a kind of accounting sequence, the basis completed is repaid in interest on arrears
Upper progress；When calculating to interest subdata, judge whether the data value of interest subdata is preset value；If default
Value, then illustrate that interest on arrears has repaid completion, and accounting data is called to treat the service charge subdata in calculation business data
It is calculated, the service charge subdata is to the debt service charge in the characterized amount owed of calculation business data；It is used when accounting
Service charge subdata subtracts accounting data, until the data value of debt service charge is preset value, all debts gold in completion debt side
The repayment of volume.
Step S322 is executed if the data value of the capital subdata is not preset value and is called the accounting data pair
The step of capital subdata in calculation business data is calculated.
And when the data value for judging capital subdata is not preset value, then illustrate that debt capital not yet repays completion,
Continue to treat the capital subdata in calculation business data to be calculated；Accounting subdata is subtracted with capital subdata, is remained
The debt capital repaid required for remaining is repaid until debt capital and is completed.
Step S33 then calls the accounting data to described wait calculate when the ordinal type is two class accounting sequence
Interest subdata in business datum is calculated；
Further, when by contrast determine to the had accounting sequence of calculation business data ordinal type be two classes calculate
When sequence, then illustrate that the accounting sequence to calculation business data is followed successively by interest on arrears, debt capital and debt service charge, thus
It calls refund data to treat the interest subdata in calculation business data to be calculated.Accounting is subtracted with interest subdata when accounting
Data, subtracting each other obtained result is debt side's remaining interest on arrears for needing to repay after carrying out current operation of refunding.When
After the completion of the interest on arrears of debt side is repaid, then debt capital is further calculated, with to the debt sheet in calculation business data
Gold subtracts the repayment amount that debt side is repaid, to calculate to debt capital.After the completion of the repayment of debt capital, then into one
Step calculates debt service charge, subtracts the repayment amount repaid debt side with to the debt service charge in calculation business data, with
Debt service charge is calculated；After the completion of the repayment of debt service charge, then determine that debt side treats calculation business data institute table
The amount owed of sign, which is repaid, to be completed.
Similarly, in two class accounting sequences, the completion of interest on arrears repayment is depended on to the accounting of debt capital, and it is right
The completion that the accounting of debt service charge is repaid dependent on interest on arrears；To be calculated to interest on arrears accounting and debt capital
When, whether the data value of detection interest subdata is preset value, and the accounting of debt capital is then carried out if preset value；And it is detecting
When data value to capital subdata is preset value, then the accounting of debt service charge is carried out.
Step S34 then calls the accounting data to described wait calculate when the ordinal type is three classes accounting sequence
Service charge subdata in business datum is calculated.
Further, if determining by contrast, the ordinal type to the had accounting sequence of calculation business data is three nucleoids
When calculation sequence, then illustrate that the accounting sequence to calculation business data is followed successively by debt service charge, interest on arrears and debt capital, from
And it calls refund data to treat the service charge subdata in calculation business data and is calculated.Subtracted when accounting with service charge subdata
Accounting data is removed, subtracting each other obtained result is debt side's remaining debt hand for needing to repay after carrying out current operation of refunding
It continues to pay dues.After the completion of the debt service charge of debt side is repaid, then interest on arrears is further calculated, in calculation business data
Interest subtract the repayment amount that debt side is repaid, to be calculated to interest on arrears.After the completion of interest on arrears repayment, then
Debt capital is further calculated, subtracts the repayment amount repaid debt side with to the debt capital in calculation business data, with
Debt capital is calculated；After the completion of the repayment of debt capital, then determine that debt side treats what calculation business data were characterized
Amount owed, which is repaid, to be completed.
Similarly, in three classes accounting sequence, to the completion that the accounting of interest on arrears is repaid dependent on debt service charge, and
The completion that the accounting of debt capital is repaid dependent on interest on arrears；To be calculated to the accounting of debt service charge and interest on arrears
When, whether the data value of detection service charge subdata is preset value, and the accounting of interest on arrears is then carried out if preset value；And it is examining
When the data value for measuring interest subdata is preset value, then the accounting of debt capital is carried out.
Further, in another embodiment of business datum accounting method of the present invention, it is described after verifying successfully to each institute
It states after the step of business datum is based on debt side's information configuration accounting sequence in each business datum and includes:
Step S40 reads the purchase cost data of each business datum institute source assets packet, the debt of the assets packet
The debt subdata of total amount data and each business datum；
Understandably, because the assets packet in business datum institute source by financial institution from third party buying from, need to purchase
Cost；And the gathering to amount owed in business datum, then as the income of financial institution, and because different business data are characterized
Amount owed it is of different sizes so that corresponding income is of different sizes.In order to reflect every business datum with purchase cost
Income size needs to share purchase cost in the amount owed of each business datum.Specifically, to each business datum institute source
The debt subdata of the purchase cost data of assets packet, the debt total amount data of assets packet and each business datum is read
It takes；Wherein purchase cost data carry out assets packet by financial institution to purchase the purchase cost spent, debt total amount data
By the amount owed summation with business datum characterization in assets packet, the every debt subdata of debt subdata is characterized
Amount owed.
Step S50 is determined each described according to the purchase cost data, debt total amount data and each debt subdata
The sub- cost of the buying of business datum, and with the sub- cost of buying corresponding with each business datum to each business datum
It is updated.
It further, can after reading purchase cost data, debt total amount data and every debt subdata
Purchase cost is shared in every business datum to the sub- cost of buying for arriving every business datum.Specifically, according to buying
Cost data, debt total amount data and each debt subdata, the step of determining the buying of each business datum sub- cost include:
The purchase cost data, debt total amount data and each debt subdata are transferred in preset formula,
According to the preset formula, the sub- cost of buying of each business datum is generated；
The preset formula are as follows:
Wherein, yi indicates that the sub- cost of each buying, m indicate that purchase cost data, ni indicate that each debt subdata, n indicate to owe
Money total amount data.
The purchase cost data of reading, debt total amount data and every debt subdata are separately input to default public affairs
In formula, m, ni and n therein are replaced, calculates the sub- cost of buying that obtained result is every business datum.It is obtained
The size that items purchase sub- cost is different due to the difference of the debt subdata of every business datum, and purchases the quantity of sub- cost
Identical with the item number of business datum, i.e. the sub- cost of the corresponding buying of a business datum, characterization purchases every industry in assets packet
Cost apportioned by data of being engaged in.It is 10,000 yuan as bought the cost that assets packet is spent, and each business datum is characterized in assets packet
Amount owed summation be 1,000,000, the amount owed that wherein business datum M1 and M2 are characterized be 50,000 and 100,000；Then read
Purchase cost data are 1, and debt total amount is 100, and debt subdata includes 5 and 10, then the sub- cost of the buying of M1 is 5/100*1
=500 yuan, the sub- cost of the buying of M2 is 10/100*1=1000 member.In adopting to all business datums included in assets packet
It purchases sub- cost to pass through after preset formula calculated, calculated respectively purchased sub- cost with this each business datum is carried out more
Newly.It wherein updates and is carried out according to the corresponding relationship between the sub- cost of each buying and business datum, i.e., with each sub- cost of buying to each
The business datum for purchasing sub- cost institute source is updated, to characterize the corresponding apportioned purchase cost of each business subdata.
Further, described to call the accounting data pair in another embodiment of business datum accounting method of the present invention
Include: after described the step of being calculated to calculation business data
Step S60 counts each accounting data when detection reaches preset time, generates refund total amount
Data；
Understandably, there is the repayment situation to the characterized amount owed of its business datum in financial institution during operation
Check demand；Its number for being substantially repayment amount of the repayment situation, can be reflected with accounting data；When the accounting of accumulation
Data are more, then illustrate that repayment amount is more.Situation is repaid for the ease of reflection, the present embodiment is provided at interval of preset time
The mechanism that accounting data is counted；Wherein preset time is the pre-set period, can be week, the moon, season etc., i.e., often
It is spaced one week, one month or a season accounting data is counted, to reflect repayment amount in the preset time period
Quantity.Whenever when receiving the repayment amount, i.e. accounting data that each debt side repays respective corresponding debt, to this
Accounting data is stored；When detection reaches preset time, then each accounting data in the preset time period is counted,
Refund total amount data are generated, reflect the repayment amount quantity in the preset time period.Each preset time period can also be used
Upper limit time point is a week as event horizon, such as preset time period, then can be using each Sunday as event horizon；It is right
All accounting datas before event horizon are counted, received total refund data, reflection before generating event horizon
All repayment amount quantity before event horizon.
The refund total amount data and the debt total amount data are done ratio, generate the assets packet by step S70
Refund rate.
Further, in assets packet the sum of amount owed of each business datum characterization assets packet debt total amount, with owe
Money total amount data characterization；After generating refund total amount data, with the refund total amount data and debt total amount data
Ratio is done, the obtained result of ratio is refund rate of the assets packet in preset time.Wherein when refund total amount data are by presetting
When the cumulative statistics of each accounting data in period generates, the obtained result of ratio be assets packet within a preset period of time also
Money rate size, the interior repayment situation to the characterized amount owed of each business datum of reflection preset time period；And work as refund total amount
When data are generated by the cumulative statistics of each accounting data before event horizon in preset time, the obtained result of ratio is assets
Refund rate size before event horizon is wrapped, to the repayment feelings of the characterized amount owed of each business datum before reflecting time boundary
Condition.
For the ease of further checking to repayment situation, the refund rate of each preset time can be generated data sheet；
It is previously provided with default report template, which is visual displaying template.By the refund of each preset time
Rate is transferred in the default template, is replaced template content therein, is data sheet through replaced default report template.It is right
Data sheet output display, in order to check the current returned money situation of each business datum in assets packet and current residual
Amount owed.
In addition, referring to figure 2., the present invention provides a kind of business datum accounting device, calculates and fill in business datum of the present invention
It sets in first embodiment, the business datum calculates device and includes:
Configuration module 10, for being verified to each business datum when receiving business datum, and verification at
To each business datum based on debt side's information configuration accounting sequence in each business datum after function；
Determining module 20, for reading accounting identifier corresponding with the accounting requests when receiving accounting requests
And accounting data, and determined according to the accounting identifier to calculation business data；
Module 30 is calculated, for adjusting according to the ordinal type to calculation business data with the accounting sequence
It is calculated to described to calculation business data with the accounting data.
The business datum of the present embodiment calculates device, and after verifying successfully to received business datum, configuration module 10 is right
Each business datum is according to debt side's information configuration accounting sequence in business datum, to characterize the accounting mode of each business datum；
When receiving accounting requests, when needing to calculate business datum, determining module 20 reads core corresponding with the accounting requests
Calculate identifier and accounting data, with determined by accounting identifier calculated in each business datum to calculation business
Data；And then by accounting module 30 according to the ordinal type to the had accounting sequence of calculation business data, calling accounting number
It is calculated according to calculation business data are treated.This programme is each business datum configuration accounting sequence according to debt side's information, so that
Corresponding relationship is established between debt side and accounting sequence；The difference of accounting sequence, institute, debt side refund are different；In debt side
Information embodies debt side with preferable refund credit, then configures the less accounting sequence of refund；And believe in debt side
Breath embodies debt side with poor refund credit, then configures the accounting sequence of normal refund；According to debt side's information
The credit quality of embodied debt side, and different accounting sequences is configured to business datum, so that accounting mode is more flexible, and
It may advantageously facilitate the refund of debt side.
Further, it is calculated in another embodiment of device in business datum of the present invention, the configuration module includes:
Reading unit, for when detect be proved to be successful identifier when, read debt side's letter in each business datum
Breath, and according to debt side's information, grade of service division is carried out to each business datum, wherein debt side's information institute
Corresponding refund credit score is higher, and the grade of service is higher；
Configuration unit, for according to the corresponding relationship between the preset grade of service and accounting sequence, for division
The items of each grade of service business datum configuration accounting sequence.
Further, it is calculated in another embodiment of device in business datum of the present invention, the accounting module further include:
Determination unit, for reading the type identification to calculation business data with the accounting sequence, and root
The ordinal type to calculation business data with the accounting sequence is determined according to the type identification；
Call unit, the call unit are used for:
When the ordinal type is a kind of accounting sequence, then call the accounting data to described to calculation business data
In capital subdata calculated；
When the ordinal type is two class accounting sequence, then call the accounting data to described to calculation business data
In interest subdata calculated；
When the ordinal type is three classes accounting sequence, then call the accounting data to described to calculation business data
In service charge subdata calculated.
Further, it is calculated in another embodiment of device in business datum of the present invention, the call unit is also used to:
Whether the judgement data value to capital subdata in accounting data is preset value, if the capital subdata
Data value is preset value, then the accounting data is called to calculate the interest subdata in calculation business data；
If the data value of the capital subdata is not preset value, executes and call the accounting data to described wait calculate
The step of capital subdata in business datum is calculated.
Further, it is calculated in another embodiment of device in business datum of the present invention, the business datum calculates device also
Include:
Read module, for reading the purchase cost data of each business datum institute source assets packet, the assets packet
Debt total amount data and each business datum debt subdata；
Update module, for determining each according to the purchase cost data, debt total amount data and each debt subdata
The sub- cost of the buying of the business datum, and with the sub- cost of buying corresponding with each business datum to each business
Subdata is updated.
Further, it is calculated in another embodiment of device in business datum of the present invention, the update module is also used to:
The purchase cost data, debt total amount data and each debt subdata are transferred in preset formula,
According to the preset formula, the sub- cost of buying of each business datum is generated；
The preset formula are as follows:
Wherein, yi indicates that the sub- cost of each buying, m indicate that purchase cost data, ni indicate that each debt subdata, n indicate to owe
Money total amount data.
Further, it is calculated in another embodiment of device in business datum of the present invention, the business datum calculates device also
Include:
It is total to generate refund for being counted to each accounting data when detection reaches preset time for statistical module
Value data；
Generation module, for the refund total amount data and the debt total amount data to be done ratio, described in generation
The refund rate of assets packet.
Wherein, each virtual functions module that above-mentioned business datum calculates device is stored in the accounting of business datum shown in Fig. 3 and sets
In standby memory 1005, when processor 1001 executes business datum accounting program, modules in embodiment illustrated in fig. 2 are realized
Function.
Referring to Fig. 3, Fig. 3 is the device structure schematic diagram for the hardware running environment that present invention method is related to.
Business datum of the embodiment of the present invention, which calculates equipment, can be PC (personal computer, personal computer),
It can be the terminal devices such as smart phone, tablet computer, E-book reader, portable computer.
As shown in figure 3, it may include: processor 1001, such as CPU (Central that the business datum, which calculates equipment,
Processing Unit, central processing unit), memory 1005, communication bus 1002.Wherein, communication bus 1002 for realizing
Connection communication between processor 1001 and memory 1005.Memory 1005 can be high-speed RAM (random access
Memory, random access memory), it is also possible to stable memory (non-volatile memory), such as disk storage
Device.Memory 1005 optionally can also be the storage device independently of aforementioned processor 1001.
Optionally, it can also include user interface, network interface, camera, RF (Radio which, which calculates equipment,
Frequency, radio frequency) circuit, sensor, voicefrequency circuit, WiFi (Wireless Fidelity, WiMAX) module etc..
User interface may include display screen (Display), input unit such as keyboard (Keyboard), and optional user interface can be with
Including standard wireline interface and wireless interface.Network interface optionally may include standard wireline interface and wireless interface (such as
WI-FI interface).
It does not constitute it will be understood by those skilled in the art that business datum shown in Fig. 3 calculates device structure to business
Data calculate the restriction of equipment, may include perhaps combining certain components or different than illustrating more or fewer components
Component layout.
As shown in figure 3, as may include operating system, net in a kind of memory 1005 of computer readable storage medium
Network communication module and business datum calculate program.Operating system is to manage and control business datum to calculate device hardware and software
The program of resource supports business datum to calculate the operation of program and other softwares and/or program.Network communication module is for real
Communication between the existing 1005 each component in inside of reservoir, and calculate in equipment with business datum and lead between other hardware and softwares
Letter.
Business datum shown in Fig. 3 is calculated in equipment, and processor 1001 is for executing the industry stored in memory 1005
Data of being engaged in calculate program, realize the step in above-mentioned each embodiment of business datum accounting method.
The present invention provides a kind of computer readable storage medium, the computer-readable recording medium storage have one or
More than one program of person, the one or more programs can also be executed by one or more than one processor with
Step in the above-mentioned each embodiment of business datum accounting method of realization.
It should also be noted that, herein, the terms "include", "comprise" or its any other variant are intended to non-
It is exclusive to include, so that the process, method, article or the device that include a series of elements not only include those elements,
It but also including other elements that are not explicitly listed, or further include solid by this process, method, article or device
Some elements.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including
There is also other identical elements in the process, method of the element, article or device.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In computer readable storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal device (can
To be mobile phone, computer, server or the network equipment etc.) execute method described in each embodiment of the present invention.
The above description is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all at this
Under the design of invention, using equivalent structure transformation made by description of the invention and accompanying drawing content, or directly/it is used in it indirectly
He is included in scope of patent protection of the invention relevant technical field.
Claims (10)
1. a kind of business datum accounting method, which is characterized in that the business datum accounting method the following steps are included:
When receiving business datum, each business datum is verified, and to each business number after verifying successfully
According to based on debt side's information configuration accounting sequence in each business datum；
When receiving accounting requests, reading accounting identifier corresponding with the accounting requests and accounting data, and according to
The accounting identifier is determined to calculation business data；
According to the ordinal type to calculation business data with the accounting sequence, call the accounting data to described
It is calculated to calculation business data.
2. business datum accounting method as described in claim 1, which is characterized in that it is described after verifying successfully to each industry
Business data include: based on the step of debt side's information configuration accounting sequence in each business datum
When detect be proved to be successful identifier when, read debt side's information in each business datum, and according to the debt
Square information carries out grade of service division to each business datum, wherein the product of refund credit corresponding to debt side's information
Point higher, the grade of service is higher；
According to the corresponding relationship between the preset grade of service and accounting sequence, for each of each grade of service with division
The item business datum configuration accounting sequence.
3. business datum accounting method as described in claim 1, which is characterized in that it is described according to calculation business data
There is the ordinal type of the accounting sequence, call the accounting data to the step calculated to calculation business data
Suddenly include:
The type identification to calculation business data with the accounting sequence is read, and is determined according to the type identification
The ordinal type to calculation business data with the accounting sequence；
When the ordinal type is a kind of accounting sequence, then call the accounting data to described in calculation business data
Capital subdata is calculated；
When the ordinal type is two class accounting sequence, then call the accounting data to described in calculation business data
Interest subdata is calculated；
When the ordinal type is three classes accounting sequence, then call the accounting data to described in calculation business data
Service charge subdata is calculated.
4. business datum accounting method as claimed in claim 3, which is characterized in that described to call the accounting data to described
The step of being calculated to the capital subdata in calculation business data include:
Whether the judgement data value to capital subdata in accounting data is preset value, if the data of the capital subdata
Value is preset value, then the accounting data is called to calculate the interest subdata in calculation business data；
If the data value of the capital subdata is not preset value, executes and call the accounting data to described to calculation business
The step of capital subdata in data is calculated.
5. business datum accounting method according to any one of claims 1-4, which is characterized in that described right after verifying successfully
Include: after the step of each business datum is based on debt side's information configuration accounting sequence in each business datum
Read the purchase cost data of each business datum institute source assets packet, the debt total amount data of the assets packet,
And the debt subdata of each business datum；
According to the purchase cost data, debt total amount data and each debt subdata, adopting for each business datum is determined
It purchases sub- cost, and each business subdata is updated with the sub- cost of buying corresponding with each business datum.
6. business datum accounting method as claimed in claim 5, which is characterized in that it is described according to the purchase cost data,
Debt total amount data and each debt subdata, the step of determining the buying of each business datum sub- cost include:
The purchase cost data, debt total amount data and each debt subdata are transferred in preset formula, according to
The preset formula generates the sub- cost of buying of each business datum；
The preset formula are as follows:
Wherein, yi indicates that the sub- cost of each buying, m indicate that purchase cost data, ni indicate that each debt subdata, n indicate that debt is total
Value data.
7. business datum accounting method as claimed in claim 5, which is characterized in that described to call the accounting data to described
Include: after the step of being calculated to calculation business data
When detection reaches preset time, each accounting data is counted, generates refund total amount data；
The refund total amount data and the debt total amount data are done into ratio, generate the refund rate of the assets packet.
8. a kind of business datum calculates device, which is characterized in that the business datum calculates device and includes:
Configuration module, for being verified to each business datum, and right after verifying successfully when receiving business datum
Each business datum is based on debt side's information configuration accounting sequence in each business datum；
Determining module, for reading accounting identifier corresponding with the accounting requests and core when receiving accounting requests
Count evidence, and is determined according to the accounting identifier to calculation business data；
Module is calculated, for according to the ordinal type to calculation business data with the accounting sequence, described in calling
Accounting data is calculated to described to calculation business data.
9. a kind of business datum calculates equipment, which is characterized in that the business datum calculate equipment include: memory, processor,
Communication bus and the business datum being stored on the memory calculate program；
The communication bus is for realizing the connection communication between processor and memory；
The processor calculates program for executing the business datum, to realize as of any of claims 1-7
The step of business datum accounting method.
10. a kind of computer readable storage medium, which is characterized in that be stored with business number on the computer readable storage medium
According to program is calculated, the business datum is calculated when program is executed by processor and is realized as of any of claims 1-7
The step of business datum accounting method.
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| CN201811207761.9A CN109559215A (en) | 2018-10-16 | 2018-10-16 | Business datum accounting method, device, equipment and computer readable storage medium |
| PCT/CN2018/123364 WO2020077837A1 (en) | 2018-10-16 | 2018-12-25 | Service data accounting method, apparatus and device, and computer-readable storage medium |
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| CN201811207761.9A CN109559215A (en) | 2018-10-16 | 2018-10-16 | Business datum accounting method, device, equipment and computer readable storage medium |
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| CN112751834B (en) * | 2020-12-24 | 2021-10-29 | 飞算数智科技(深圳)有限公司 | Https-based bidirectional authentication and accounting method, system and computer equipment |
| CN114549090A (en) * | 2022-04-25 | 2022-05-27 | 深圳市明珞锋科技有限责任公司 | Data processing system for performing quarterly data accounting according to wholesale orders |
| CN114549090B (en) * | 2022-04-25 | 2022-07-19 | 深圳市明珞锋科技有限责任公司 | Data processing system for performing quarterly data accounting according to wholesale orders |
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