CN110428326A - A kind of refund monitoring method and device - Google Patents
A kind of refund monitoring method and device Download PDFInfo
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- CN110428326A CN110428326A CN201910720374.3A CN201910720374A CN110428326A CN 110428326 A CN110428326 A CN 110428326A CN 201910720374 A CN201910720374 A CN 201910720374A CN 110428326 A CN110428326 A CN 110428326A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The invention discloses a kind of refund monitoring method and device, method includes: to obtain the plan of withholing and rule of withholing that fund side generates after detecting that fund direction supplier offers a loan；According to the plan of withholing of fund side and rule of withholing, the supervision account of supplier is monitored；The account data for obtaining the supervision account of supplier carries out withholing processing or sends prompting of withholing according to account data.The embodiment of the present invention is monitored by the account to supplier, and it notifies fund side to carry out withholing processing according to account data or sends prompting of withholing, to improve fund side loan fund safety, can also prevent supplier because not such as from about repayment of bank loans due to generate more economic costs.
Description
Technical field
The present invention relates to Financial Risk Control technical field more particularly to a kind of refund monitoring method and devices.
Background technique
As the continuous development of China's macroeconomic level and the relevant policies of support entity economy are put into effect, medium and small micro- enterprise
Have become the indispensable strength of socio-economic development.
Supplier of the existing medium and small micro- enterprise as core enterprise, due to the fund planning problem of core enterprise, core
In the cargo for receiving supplier, payment for goods would generally postpone to pay supplier for enterprise.Medium and small micro- enterprise as supplier
The cash flow of industry is easy to appear problem, it is therefore desirable to seek to provide a loan to funds sides such as banks.
It offers loans after assessing the economic scene of supplier fund side.But supplier is providing a loan in the prior art
Afterwards, after receiving the payment for goods of core enterprise, the loan of fund side is given back not in time, increases the recovery of the capital pressure of fund side,
Improve the financial risks of fund side.
Therefore, the existing technology needs to be improved and developed.
Summary of the invention
In view of above-mentioned deficiencies of the prior art, the purpose of the present invention is to provide a kind of refund monitoring method and device, purports
In solution, supplier is after loan in the prior art, after receiving the payment for goods of core enterprise, gives back the loan of fund side not in time,
The recovery of the capital pressure for increasing fund side, the problem of improving the financial risks of fund side.
Technical scheme is as follows:
A kind of refund monitoring method, applied to fund direction, supplier offers a loan, which comprises
After detecting that fund direction supplier offers a loan, the plan of withholing and rule of withholing that fund side generates are obtained；
According to the plan of withholing of fund side and rule of withholing, the supervision account of supplier is monitored；
The account data for obtaining the supervision account of supplier withhold processing according to account data or transmission is withholdd and mentioned
It wakes up.
Optionally, it is described detect that fund direction supplier offers a loan after, obtain fund side generate withhold plan and
Before rule of withholing, comprising:
Loan project is created, judges whether loan project signature succeeds；
If loan project is signed successfully, typing is made loans data, the generation plan of withholing and rule of withholing.
Optionally, it is described detect that fund direction supplier offers a loan after, obtain fund side generate withhold plan and
It withholds rule, further includes:
Create loan project, judge supplier whether the service charge of amortization fund monitor supervision platform；
If detecting the service charge of supplier's amortization fund monitor supervision platform, generate that service charge withholds plan and service charge is withholdd
Rule；
Judge whether loan project signature succeeds, if loan project is signed successfully, typing is made loans data；
According to the data generation plan of withholing and the rule of withholing of making loans.
It is optionally, described that the supervision account of supplier is monitored according to the plan of withholing of fund side and rule of withholing,
Include:
If the rule of withholing for detecting fund side is payment beforehand, the income income of the supervision account of supplier is supervised
Control.
Optionally, the account data of the supervision account for obtaining supplier, withhold according to account data handle or
It is to send prompting of withholing, comprising:
It detects that the supervision account of supplier has income income, generates income income and remind；
It judges whether to withhold, if withholing, processing of withholing is carried out according to income income prompting, is terminated to supervision
The monitoring of account；
If ignoring prompting without withholing.
Optionally, if the fund side withhold rule for expire withhold, overdue contribution and during service charge withholds
One kind,
The account data of the supervision account for obtaining supplier carries out withholing processing or sends button according to account data
Money is reminded, comprising:
The account data of the supervision account of supplier is obtained, instruction of withholing is sent；
Judge whether Payment Plan succeeds；
If success terminates Payment Plan, terminate monitoring；
If failure, continues the supervision account to supplier and is monitored.
Optionally, the account data includes account information, account balance, account balance history, account flowing water and account
Flowing water history.
Another embodiment of the present invention provides a kind of refund monitoring device, and described device includes at least one processor；
And
The memory being connect at least one described processor communication；Wherein,
The memory is stored with the instruction that can be executed by least one described processor, and described instruction is by described at least one
A processor executes, so that at least one described processor is able to carry out above-mentioned refund monitoring method.
Another embodiment of the present invention additionally provides a kind of non-volatile computer readable storage medium storing program for executing, described non-volatile
Computer-readable recording medium storage has computer executable instructions, and the computer executable instructions are by one or more processors
When execution, one or more of processors may make to execute above-mentioned refund monitoring method.
Another embodiment of the invention provides a kind of computer program product, and the computer program product includes depositing
The computer program on non-volatile computer readable storage medium storing program for executing is stored up, the computer program includes program instruction, works as institute
When stating program instruction and being executed by processor, the processor is made to execute above-mentioned refund monitoring method.
The utility model has the advantages that the invention discloses a kind of refund monitoring method and devices, compared with the prior art, the present invention is implemented
Example is monitored by the account to supplier, and notifies fund side that withhold processing or send is withholdd according to account data
Remind, to improve the loan fund safety of fund side, can also prevent supplier because not such as from about repayment of bank loans due to generate it is more
Economic cost.
Detailed description of the invention
Present invention will be further explained below with reference to the attached drawings and examples, in attached drawing:
Fig. 1 is a kind of flow chart of refund monitoring method preferred embodiment of the present invention；
Fig. 2 is a kind of hardware structural diagram of the preferred embodiment of refund monitoring device of the present invention.
Specific embodiment
To make the purpose of the present invention, technical solution and effect clearer, clear and definite, below to the present invention further specifically
It is bright.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.Below
The embodiment of the present invention is introduced in conjunction with attached drawing.
The embodiment of the invention provides a kind of refund monitoring methods.The refund monitoring method of the embodiment of the present invention is applied to money
Golden direction supplier offers a loan.Wherein fund side can be bank and other financial mechanism.Supplier is medium-sized and small enterprises, further
Ground is that the supplier of the source of goods is provided for core enterprise.Referring to Fig. 1, Fig. 1 is that a kind of refund monitoring method of the present invention is preferably implemented
The flow chart of example.As shown in Figure 1, itself comprising steps of
Step S100, after detecting that fund direction supplier offers a loan, withhold plan and button that fund side generates are obtained
Money rule；
Step S200, according to the plan of withholing of fund side and rule of withholing, the supervision account of supplier is monitored；
Step S300, the account data for obtaining the supervision account of supplier, withhold according to account data handle or
Transmission is withholdd prompting.
When it is implemented, account data includes account information, account balance, account balance history, account flowing water and account
Flowing water history.
Refund monitoring method in the embodiment of the present invention can be used for the platform of Fund Supervision, for example, refund monitoring method
It can be used for looking forward to e gold and take platform, enterprise's e gold takes platform and is additionally provided with data center, monitoring center and inter-bank cash management cloud platform, number
Data according to center for taking platform to whole enterprise's e gold configure and the maintenance of basic data, and are matched according to client
Set reception configuration data.Monitoring center to provider accounts for being monitored and carrying out processing of withholing, inter-bank cash management cloud
Platform with provider accounts for being docked.
It is monitored by the account to supplier, and notifies fund side to carry out withhold processing or hair according to account data
Sending buckle money remind, thus improve fund side loan fund safety, can also prevent supplier because not such as from about repayment of bank loans due to generate
More economic costs such as Late Payment Fee.
In further carrying out example, after detecting that fund direction supplier offers a loan, the button that fund side generates is obtained
Before money plan and rule of withholing, comprising:
Loan project is created, judges whether loan project signature succeeds；
If loan project is signed successfully, typing is made loans data, the generation plan of withholing and rule of withholing.
When it is implemented, first passing through data center's creation loan project in advance, loan project is the loan of fund direction supplier
The project that money request generates.If there is no problem for the loan requests of audit supplier, fund side, determine that loan project is signed successfully,
Then typing is made loans data in fund monitor supervision platform, and according to the data generation plan of withholing and the rule of withholing of making loans.
Further, after detecting that fund direction supplier offers a loan, withhold plan and button that fund side generates are obtained
Money rule, further includes:
Create loan project, judge supplier whether the service charge of amortization fund monitor supervision platform；
If detecting the service charge of supplier's amortization fund monitor supervision platform, generate that service charge withholds plan and service charge is withholdd
Rule；
Judge whether loan project signature succeeds, if loan project is signed successfully, typing is made loans data；
According to the data generation plan of withholing and the rule of withholing of making loans.
When it is implemented, data center creates loan project, supplier needs to share server expense, generates service charge and withholds
Plan and rule, are pushed to monitoring center；Monitoring center receives service charge and withholds plan and rule；Data center is in loan project
Data inputting of making loans is carried out after signing successfully, is generated withhold plan and rule, is pushed to monitoring center；Monitoring center reception is withholdd
Plan and rule, execute the plan of withholing.Data processing is obtained after the docking of inter-bank cash management cloud platform, monitoring center docks inter-bank
Cash management cloud platform acquires data.
In some other embodiments, according to the plan of withholing of fund side and rule of withholing, to the supervision account of supplier
Family is monitored, comprising:
If the rule of withholing for detecting fund side is payment beforehand, the income income of the supervision account of supplier is supervised
Control.
When it is implemented, if the rule of withholing of fund side and supplier's agreement is payment beforehand, as long as monitoring supply
The account of quotient has income income, then can be withholdd or be taken in accordingly income prompting.
Further, the account data for obtaining the supervision account of supplier, according to account data withhold processing or
Transmission is withholdd prompting, comprising:
It detects that the supervision account of supplier has income income, generates income income and remind；
It judges whether to withhold, if withholing, processing of withholing is carried out according to income income prompting, is terminated to supervision
The monitoring of account；
If ignoring prompting without withholing.
When it is implemented, the corresponding matching way of income income prompting includes precisely matching and fuzzy matching, reminding be can be
Take in income prompting or prompting processing.If data center detects income, income is reminded, and judges whether to withhold, if carrying out
It withholds, then reminds and carry out processing of withholing, monitoring center carries out processing of withholing, if ignoring prompting without withholing.
Further, income income identification be directed to payment beforehand (only payment beforehand income income identification just have
With)；
Income income recognition rule temporarily has 4 kinds:
It reminds rule 1: only prompting fund side when Send only Account title is consistent and Payment Amount is inconsistent, paying party has been beaten
Money is to supplier；
It reminds rule 2: only prompting fund side, paying party when Payment Amount is completely the same and Send only Account title is inconsistent
Money has been beaten to supplier；
Remit money rule 3: when system monitoring is consistent with Payment Amount to Send only Account title, the sheet of fund side can be deducted immediately
Breath；
Remit money rule 4: system monitoring to pay the bill remarks it is consistent when, the principal and interest of fund side can be deducted immediately.
Wherein, it withholds if payment beforehand rule is fixed interest according to creation and plans the fixed interest calculating of city's setting；
The rule if user's selection is remitted money, inter-bank cash management cloud platform monitoring financier's refund account keeps accounts, and meets
Remit money rule, inter-bank cash management cloud platform principal and interest is recalculated according to returned money interest computation rule in advance and generate execution button this
Discount instruction updates repayment schedule to enterprise's e gold clothes；
If user selects to remind rule, inter-bank cash management cloud platform monitoring financier's refund account keeps accounts, and meets
Rule is reminded, inter-bank cash management cloud platform sends income income to enterprise's e gold clothes and reminds warning information；
If have more precisely matching keep accounts flowing water, the first stroke is also in withholing, except the first stroke Flow Record that precisely keeps accounts is raw
At income income prompting message.
The specific implementation method wherein withholdd in advance are as follows:
Obtain withholing plan today, unfinished withholing plan, unfinished withhold and withhold and plan account and receive at rule
Enter flowing water；Wherein, the account of monitoring includes withhold account and supervision account；
Judge whether there is the plan of withholing today；It withholds today if it does not exist plan, then judges whether to generate accurate
Match；If generating accurate matching, save plan today having modified in the way amount of money, and judge whether to generate prompting note
Record saves prompting message if generating prompting record；If not generating accurate matching, judge whether to generate prompting record, if raw
At record is reminded, prompting message is saved；
It withholds today if it exists plan, and withholds rule and the plan of withholing exists, and plan not yet due, the then current meter of judgement
Drawing related account flowing water whether there is；
If current planning related account flowing water is not present, continue to determine whether that there are the plans of withholing today, if current meter
It draws related account flowing water to exist, and flowing water carried out prompting, whether the income income amount of money, which is greater than, is answered discount interest to cease, and judges to take in income
The amount of money is greater than minimum deducted amount；Whether judgement is withholdd in rule comprising accurate matching rule and meets accurate matching rule；Its
In, when precisely matching refers to that system monitoring is consistent with Payment Amount to Send only Account title, system monitoring is consistent to payment remarks,
Fuzzy matching: only prompting when Send only Account title is consistent and Payment Amount is inconsistent, when Payment Amount is completely the same and pays the bill
It is only prompted when name on account is inconsistent；
If rule of withholing is comprising accurate matching rule and meets accurate matching rule, and current planning had generated accurate
Match, then calculate deducted amount, generate and remind record, generate payment order, push payment order to funds systems modifies meter of withholing today
In drawing in the way amount of money, continue judge that current planning account whether there is flowing water；
If rule of withholing does not include accurate matching rule and/or is unsatisfactory for accurate matching rule, prompting record is generated, after
It is continuous to judge current planning account with the presence or absence of flowing water；
If not including accurate matching rule in rule of withholing and/or being unsatisfactory for accurate matching rule, judgement is withholdd in rule
Whether includes fuzzy matching rule and meet fuzzy matching rule；
If comprising fuzzy matching rule and meeting fuzzy matching rule in rule of withholing, generates and remind record, continue to judge
Current planning account whether there is flowing water；
If not including fuzzy matching rule in rule of withholing and/or being unsatisfactory for fuzzy matching rule, it is current to continue judgement
Planning account whether there is flowing water.
Further, if the fund side withhold rule for expire withhold, it is overdue contribution and service charge withhold in one
Kind,
The account data of the supervision account for obtaining supplier carries out withholing processing or sends button according to account data
Money is reminded, comprising:
The account data of the supervision account of supplier is obtained, instruction of withholing is sent；
Judge whether Payment Plan succeeds；
If success terminates Payment Plan, terminate monitoring；
If failure, continues the supervision account to supplier and is monitored.
When it is implemented, if the fund side withhold rule for expire withhold, overdue contribution and during service charge withholds
One kind, the instruction if monitoring center transmission is withholdd, instruction of withholing specifically include Sending Payments instruction, handle payment result.Judgement is paid
Whether money plan succeeds, if success, terminates Payment Plan, and data center, which monitors Payment Plan, to be terminated, and project is closed, in monitoring
The monitoring of hearty cord beam, data center terminate project；If Payment Plan fails, continue monitoring processing.
Wherein Payment Plan includes that interest calculated, Payments Policy maintenance and Payment Plan are paid the bill at that time；Payment Plan payment
It pays the bill including the payment of maturity, overdue payment and service charge.
Wherein expire rule of withholing specifically: expiring to withhold is operated according to account balance, unrelated with account flowing water；Account
The family amount of money must satisfy minimum deducted amount, and generation must retain the account minimum reservation amount of money without withholing when withholing；It withholds gold
The amount of money that can be collected in account is collected in account of withholing when volume deficiency, generation collects instruction.
Expire process of withholing specifically:
It obtains account balance (having deducted the payment order amount of money on way), obtains the plan of withholing that the Expiration Date is current date,
The rule of withholing that the Expiration Date is current date is obtained, obtaining the Expiration Date is that withholing for current date plans the unfinished plan of making loans
(payment order on way)；Judge whether there is the plan of withholing；
It withholds plan, then terminates if it does not exist；
It withholds plan, is recycled according to the plan of withholing if it exists, calculated to deducted amount (to deducted amount=do not repay principal
The also interest-of gold+is withholdd in the deducted amount on way, withhold the way amount of money do not include collect instruction in the way amount of money, interest calculates
Rule is calculated according to rule settings, and detailed rules are referring to same day interest computation rule), judge the account of withholing withholdd in the works
Whether the family amount of money is greater than the minimum deducted amount in rule of withholing,
If the minimum deducted amount that account amount of money of withholing in the works of withholing is greater than in rule of withholing, generates payment order pair
As calculating Payment Amount (account amount of money=account amount of money-minimum reservation amount of money, Payment Amount: if account amount of money is greater than wait detain
The amount of money is then the amount of money to be detained, and is account amount of money if account amount of money is less than wait detain the amount of money), push payment order to inter-bank cash pipe
Manage cloud platform；
If the account amount of money of withholing withholdd in the works is less than the account amount of money of withholing withholdd in the works, the plan of withholing is judged
In account amount of money of withholing whether be less than to deducted amount；
If the account amount of money of withholing withholdd in the works is less than to deducted amount, the account amount of money for needing to collect is calculated, if
Have it is multiple collect account and then share collect the amount of money, generation collects instruction, and push, which collects, to be instructed to cloud funds systems, continues to obtain
The plan of withholing (if demand is to be confirmed when account amount of money is less than minimum deducted amount).
Overdue rule of withholing specifically: overdue withhold is withholdd according to account balance, unrelated with flowing water；It is overdue to withhold
In, also interest does not start to calculate delayed repayment interest after the Expiration Date plus capital is not gone back as overdue capital before the Expiration Date；If it is benefit
Cease overdue, not yet due capital of not going back is according to the overdue calculating delayed repayment interest amount of money, by capital also according to overdue progress after the Expiration Date
It calculates, and carries out collecting operation when insufficient in amount；The delayed repayment interest amount of money is calculated as same day interest module and is calculated, button
Without interest calculating operation when money.
The overdue detailed process withholdd is as follows:
Obtaining the same day withholds all objects overdue in the works, obtains overdue withholing plan, the overdue rule of withholing of acquisition obtains
It takes and withholds account and account information can be collected, obtain related list of withholing on the way；Judge that the same day overdue plan whether there is；
The same day overdue plan if it exists, then the amount of money to be detained=withholdd at that time in the works simple interest and-in way simple interest
With the account balance=account balance-minimum reservation amount of money；Judge whether account balance is greater than minimum deducted amount in rule；
If judging, account balance is greater than minimum deducted amount in rule, generates payment order；Judge whether account balance is greater than
The amount of money to be detained, if it is not, then judging whether the Expiration Date in current rule is less than current date, and deducted amount is greater than account gold
Volume；
If the Expiration Date in current rule is less than current date, the payment order amount of money=amount of money to be detained；If in current rule
Expiration Date be more than or equal to current date then, then the payment order amount of money=account balance；
Payment order is pushed into inter-bank cash management cloud platform, record modification same day interest record；
Expiration Date in the current rule of judgement whether is less than current date and deducted amount is greater than account balance；If working as front lay
Expiration Date in then is less than current date and deducted amount is greater than account balance, obtain on the way collect instruction, calculate wait return
Collect the amount of money, collects the amount of money to each account according to collecting account balance and sharing, collect instruction to need the account shared to generate, push away
It send and collects instruction to cloud funds systems, continue to determine whether that there are the same day overdue plans；
The same day overdue plan if it does not exist judges whether to have occurred operation of withholing, if operation of withholing has occurred, updates the same day
It withholds in the way amount of money, if operation of withholing does not have occurred, terminates.
The rule of service charge specifically: service charge carries out operation of withholing according to the monitoring of account flowing water, supervises when in account flowing water
It controls and carries out operation of withholing after making loans successfully；Service charge withhold failure when re-emit instruction of withholing, until complete withhold；Service
Expense is withholdd according to account balance, it may occur that record of repeatedly withholing modifies service charge projected state after the completion of withholing.
Service charge process of withholing is as follows:
Service charge plan is obtained, service charge rule is obtained, service charge is obtained and withholds account information, service charge is obtained and withholds account
Family flowing water obtains service charge and withholds on the way single information；Judge whether there is service charge plan；
Service charge plan if it exists calculates the service charge amount of money to be detained (the service charge amount of money=service charge amount of money-In to be detained to be detained
The way service charge amount of money), generate payment order；
Judge whether the service charge amount of money to be detained is not equal to 0 and presence service takes relevant account flowing water；
If the service charge amount of money to be detained is not equal to 0 and presence service takes relevant account flowing water, sends service charge and withhold finger
It enables；If the service charge amount of money to be detained is 0 and/or the relevant account flowing water of service charge is not present, judging, which whether there is in flowing water, is put
The successful flowing water of money, successful flowing water of making loans if it exists then send service charge and withhold instruction, successful stream of making loans if it does not exist
Water continues to determine whether presence service expense plan.
Further, present invention implementation further includes payment order push.Payment order refers to successfully after pushing successfully by payment order
It is sent to inter-bank cash management cloud platform, does not represent successful payment；Payment order result is most terminated after needing repeatedly inquiry
Fruit；Payment order monitoring system if being retired in inter-bank cash management cloud platform is defaulted as Payment Failed, is patrolled according to program
It is single to collect system again；Payment order result is handled differently according to different folk prescription methods processed；Payment order push and result obtain according to across
Row cash management cloud platform interface is developed, and the later period accesses other inter-bank cash management cloud platforms and waits for secondary development,
Payment order process flow is as follows:
Monitoring center according to Program Generating payment order (payment order: income income remind in it is accurate match or manually withhold,
Expire and withhold, overdue to withhold, service charge is withholdd), inter-bank cash management is sent to by inter-bank cash management cloud platform erp interface
Cloud platform；
Inter-bank cash management cloud platform receives payment order, and docking bank obtains payment result；
Monitoring center is handled result after obtaining payment result, and whether judgement is withholdd succeeds；
If unsuccessful, if it is according to when the daily planning amount of money generate payment order modify the same day withhold in the works way
The amount of money；If it is the payment order generated in flowing water, modification income income reminds record；
It is that income income is reminded, precisely matching withholds or withholds manually, and success of withholing, then will withhold plan if success
In interest plan cancel, modification is withholdd the amount of money to be detained in the works, the modification same day withhold in the works in the way amount of money and gold to be detained
Volume, record income income are reminded；
If expire withhold, overdue contribution, then modify the amount of money to be detained withholdd in the works, repaired if all withhold successfully
Change the plan of withholing and rule of withholing, records deducted amount, first reduce interest, then reduce capital.
If service charge is withholdd, modification service charge, which is withholdd, plans the amount of money to be detained, service charge modification service when detaining the amount of money and being 0
Take state to terminate.
Still further, interest calculation method is specific as follows in the embodiment of the present invention: being calculated if it is normal condition interest
Rule:
It disposably detains this payment of interest interest calculation formula: going back capital sum Annual Percentage Rate number of days (repayment date-is made loans day)/360；
It monthly pays interest and expires interest calculation formula of repaying principal:
The first phase: capital sum Annual Percentage Rate number of days (discount day first time-make loans day)/360 is gone back；
Intermediate several phases: capital sum Annual Percentage Rate number of days (this discount day-last time withholds day)/360 is gone back；
Final Issue: capital sum Annual Percentage Rate number of days (repayment date-discount day last time)/360 is gone back.
Payment beforehand interest rule:
Refund type is the principal and interest that expires, if the returned money amount of money pays principal and interest enough after subtracting reserved gold,
Interest=do not go back capital Annual Percentage Rate number of days (payment beforehand day-is made loans day)/360；
If fixed interest (setting fixed interest, then calculated by fixed interest)；If the returned money amount of money is enough after subtracting pre- trade gold
Interest payment does not pay capital enough
Interest=do not go back capital Annual Percentage Rate number of days (payment beforehand day-last time repayment date or making loans day)/360；
This goes back capital sum=this returned money total value-interest；
Residue does not go back the amount of money=last time and does not go back the amount of money-this goes back capital sum；
Refund type is monthly to pay interest, if the returned money amount of money pays principal and interest enough after subtracting reserved gold,
Interest=go back capital sum Annual Percentage Rate number of days (payment beforehand day-discount day last time or the day of making loans)/360；
If the enough interest payments of the returned money amount of money do not pay capital enough after subtracting pre- trade gold,
This interest=do not go back amount of money interest rate number of days (payment beforehand day-discount day last time or the day of making loans)/360；
This goes back capital sum=this returned money total value-interest；
Residue does not go back the amount of money=last time non-capital-, and this goes back capital sum；Wherein
If then last repayment date is to make loans day for the first time；Delayed repayment interest computation rule are as follows: if subtracting account after reserved gold
The family amount of money pays delayed repayment interest enough,
The also overdue Annual Percentage Rate number of days of principal and interest of delayed repayment interest=(answer by current overdue repayment date-last time overdue repayment date
Repay principal the date)/360；
If account amount of money deficiency pays delayed repayment interest computation rule after delayed repayment interest after subtracting reserved gold are as follows:
Delayed repayment interest=(last time should go back delayed repayment interest-last time gone back delayed repayment interest)+does not go back the overdue Annual Percentage Rate number of days of the amount of money
(current overdue repayment date-last time overdue repayment date)/360；
If account amount of money deficiency pays current interest after subtracting reserved gold, then interest is overdue starts to detain this discount, repays principal
It is all to have spent the repayment of principal date according to delayed repayment interest rule meter according to the payment beforehand interest rule calculating of repaying principal that expires before date
It calculates；When wherein interest calculates, head is figured in day not counting tail, January 1 borrow, and January 2 went back, number of days 1；And same day interest only calculates tune
Unfinished withhold plan and rule when degree center is called, it is not raw according to this class method if it is the plan of withholing that the same day generates
At the same day plan of withholing.
Overdue refund process is as follows:
Unfinished rule of withholing is obtained, the unfinished plan of withholing is obtained, the payment order on way is obtained, judges whether to deposit
In unfinished rule of withholing；
Unfinished rule of withholing if it exists, judges whether there is matched unfinished rule of withholing；
Matched unfinished rule of withholing if it exists then judges whether there is matched unfinished capital and withholds meter
It draws；
The matched unfinished capital plan of withholing if it exists, then whether the judgement plan of withholing is that interest is settled on way；
If the plan of withholing is that interest is settled on way, unfinished capital is calculated, the principal amount on way is calculated, is generated
Plan today；
If withhold plan be not interest be settled way, judge current date whether at the date of maturity before, if current date
Before at the date of maturity, in judgment rule whether fixed interest；If in rule being fixed interest, obtains and do not complete interest amount, if
Rule is not fixed interest, then calculates current interest；Current capital is recorded, calculates currently in the principal and interest on way, generates modern
Daily planning；
If current date be the Expiration Date after, whether be fixed interest in judgment rule, if fixed interest, then obtain not
Interest amount is completed, if not fixed interest, calculates delayed repayment interest；(overdue interest rate according to the overdue interest rate rule in rule into
Row calculating refund is overdue, calculates by normal interest, refunds overdue, calculates by default interest)；Overdue capital is recorded, is calculated overdue on way
Principal and interest, marking convention and plan be it is overdue, generate today plan；
Judge whether interest is overdue, if overdue, cancel unfinished interest plan, recalculate according to overdue interest rate wait detain
Money interest；Continue to determine whether the rule of withholing for having unfinished；
Unfinished rule of withholing if it does not exist, empties to withhold and plans all records today, judges whether to generate meter today
Draw, if generating plan today, save plan today, judge whether there is overdue plan or rule, if having overdue plan or
Rule then updates withhold plan and rule, if not overdue plan or rule, terminate.
It should be noted that not necessarily there is centainly successive between above steps in above-mentioned each embodiment
Sequentially, those of ordinary skill in the art, according to an embodiment of the present invention to describe to be appreciated that in different embodiments, above-mentioned each step
Suddenly there can be the different sequences that executes, also i.e., it is possible to execute parallel, change can exchange execution etc..
Another embodiment of the present invention provides a kind of refund monitoring devices, as shown in Fig. 2, device 10 includes:
One or more processors 110 and memory 120 are introduced in Fig. 2 by taking a processor 110 as an example, are located
Reason device 110 can be connected with memory 120 by bus or other modes, in Fig. 2 for being connected by bus.
Processor 110 is for completing, the various control logics of device 10, can be for general processor, digital signal at
Manage device (DSP), specific integrated circuit (ASIC), field programmable gate array (FPGA), single-chip microcontroller, ARM (Acorn RISC
) or other programmable logic device, discrete gate or transistor logic, discrete hardware component or these components Machine
Any combination.In addition, processor 110 can also be any conventional processors, microprocessor or state machine.Processor 110 can also
To be implemented as calculating the combination of equipment, for example, the combination of DSP and microprocessor, multi-microprocessor, one or more micro- places
Manage device combination DSP core or any other this configuration.
Memory 120 is used as a kind of non-volatile computer readable storage medium storing program for executing, can be used for storing non-volatile software journey
Sequence, non-volatile computer executable program and module, such as the corresponding program of refund monitoring method in the embodiment of the present invention
Instruction.Non-volatile software program, instruction and the unit that processor 110 is stored in memory 120 by operation, to hold
Luggage sets 10 various function application and data processing, i.e. refund monitoring method in realization above method embodiment.
Memory 120 may include storing program area and storage data area, wherein storing program area can store operation dress
It sets, application program required at least one function；Storage data area, which can be stored, uses created data etc. according to device 10.
It can also include nonvolatile memory in addition, memory 120 may include high-speed random access memory, for example, at least one
A disk memory, flush memory device or other non-volatile solid state memory parts.In some embodiments, memory 120 can
Choosing includes the memory remotely located relative to processor 110, these remote memories can pass through network connection to device 10.
The example of above-mentioned network includes but is not limited to internet, intranet, local area network, mobile radio communication and combinations thereof.
One or more unit is stored in memory 120, when being executed by one or more processor 110, is held
Refund monitoring method in the above-mentioned any means embodiment of row, for example, executing method and step S100 in Fig. 1 described above extremely
Step S300.
The embodiment of the invention provides a kind of non-volatile computer readable storage medium storing program for executing, computer readable storage medium is deposited
Computer executable instructions are contained, which is executed by one or more processors, for example, executing above retouch
Method and step S100 to step S300 in the Fig. 1 stated.
As an example, non-volatile memory medium can include that read-only memory (ROM), programming ROM (PROM), electricity can
Programming ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory can include as external high speed
The random access memory (RAM) of buffer memory.By illustrate it is beautiful unrestricted, RAM can with such as synchronous random access memory (SRAM),
Dynamic ram, (DRAM), synchronous dram (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM),
Many forms of Synchlink DRAM (SLDRAM) and directly Rambus (Lan Basi) RAM (DRRAM) etc obtain.Herein
Described in operating environment disclosed memory assembly or memory be intended to include these and/or any other be suitble to class
One or more of memory of type.
Another embodiment of the invention provides a kind of computer program product, and computer program product includes being stored in
Computer program on non-volatile computer readable storage medium storing program for executing, computer program include program instruction, when program instruction quilt
When processor executes, the processor is made to execute the refund monitoring method of above method embodiment.For example, executing described above
Method and step S100 to step S300 in Fig. 1.
Embodiments described above is only schematical, wherein as illustrated by the separation member unit can be or
It may not be and be physically separated, component shown as a unit may or may not be physical unit, it can
It is in one place, or may be distributed over multiple network units.Can select according to actual needs part therein or
Person's whole module achieves the purpose of the solution of this embodiment.
By the description of above embodiment, those skilled in the art can be understood that each embodiment can be by
Software adds the mode of general hardware platform to realize, naturally it is also possible to pass through hardware realization.Based on this understanding, above-mentioned technology
Scheme substantially in other words can be embodied in the form of software products the part that the relevant technologies contribute, the computer
Software product can reside in computer readable storage medium, such as ROM/RAM, magnetic disk, CD, including some instructions to
So that computer installation (can be personal computer, server or network equipment etc.) execute each embodiment or
The method of certain parts of embodiment.
Among other things, such as " can ', " energy ", " possibility " or " can be with " etc conditional statement unless in addition specific
Ground is stated or is otherwise understood in context as used, is otherwise generally intended to convey particular implementation energy
Including (however other embodiments do not include) special characteristic, element and/or operation.Therefore, such conditional statement is generally
It is not intended to imply that feature, element and/or operation are all needed one or more embodiments or one anyway
Or multiple embodiments must include for determining these features, element in the case where being with or without student's input or prompt
And/or the logic whether operation is included or will be performed in any particular implementation.
The content described in the present description and drawings herein includes being capable of providing refund monitoring method and dress
The example set.Certainly, can not describe each of element and/or method for the purpose of the various features of the description disclosure can
With the combination of the imagination, it can be appreciated that, many other combinations and displacement of disclosed feature are possible.Therefore,
It is readily apparent that without departing from the scope or spirit of the present disclosure various modifications can be made to the disclosure.In addition,
Or in alternative solution, the considerations of other embodiments of the disclosure are to the specification and drawings and as presented herein
It may be obvious in the practice of the disclosure.It is intended that example proposed in the specification and drawings is in all respects
It is considered illustrative and not restrictive.Although using specific term herein, they are in general and description
The purpose of limitation is used and is not used in property meaning.
Claims (10)
1. a kind of refund monitoring method, which is characterized in that applied to fund direction, supplier offers a loan, which comprises
After detecting that fund direction supplier offers a loan, the plan of withholing and rule of withholing that fund side generates are obtained；
According to the plan of withholing of fund side and rule of withholing, the supervision account of supplier is monitored；
The account data for obtaining the supervision account of supplier carries out withholing processing or sends prompting of withholing according to account data.
2. refund monitoring method according to claim 1, which is characterized in that described to detect that fund direction supplier provides
After loan, before obtaining the plan of withholing and rule of withholing that fund side generates, comprising:
Loan project is created, judges whether loan project signature succeeds；
If loan project is signed successfully, typing is made loans data, the generation plan of withholing and rule of withholing.
3. monitoring method of refunding according to claim 1, which is characterized in that it is applied to fund monitor supervision platform, it is described to detect
After fund direction supplier offers a loan, the plan of withholing and rule of withholing that fund side generates are obtained, further includes:
Create loan project, judge supplier whether the service charge of amortization fund monitor supervision platform；
If detecting the service charge of supplier's amortization fund monitor supervision platform, generate that service charge withholds plan and service charge is withholdd rule
Then；
Judge whether loan project signature succeeds, if loan project is signed successfully, typing is made loans data；
According to the data generation plan of withholing and the rule of withholing of making loans.
4. according to right want 1 described in refund monitoring method, which is characterized in that it is described according to fund side withhold plan and withhold
Rule is monitored the supervision account of supplier, comprising:
If the rule of withholing for detecting fund side is payment beforehand, the income income of the supervision account of supplier is monitored.
5. refund monitoring method according to claim 4, which is characterized in that the account of the supervision account for obtaining supplier
User data carries out withholing processing or sends prompting of withholing according to account data, comprising:
It detects that the supervision account of supplier has income income, generates income income and remind；
It judges whether to withhold, if withholing, processing of withholing is carried out according to income income prompting, is terminated to supervision account
Monitoring；
If ignoring prompting without withholing.
6. refund monitoring method according to claim 3, which is characterized in that if the fund side withholds rule to expire
Withhold, overdue contribution and service charge one of are withholdd,
The account data of the supervision account for obtaining supplier withhold processing according to account data or transmission is withholdd and mentioned
It wakes up, comprising:
The account data of the supervision account of supplier is obtained, instruction of withholing is sent；
Judge whether Payment Plan succeeds；
If success terminates Payment Plan, terminate monitoring；
If failure, continues the supervision account to supplier and is monitored.
7. refund monitoring method according to claim 1-6, which is characterized in that the account data includes account
Information, account balance, account balance history, account flowing water and account flowing water history.
8. a kind of refund monitoring device, which is characterized in that described device includes at least one processor；And
The memory being connect at least one described processor communication；Wherein,
The memory is stored with the instruction that can be executed by least one described processor, and described instruction is by described at least one
It manages device to execute, so that at least one described processor is able to carry out the described in any item refund monitoring methods of claim 1-7.
9. a kind of non-volatile computer readable storage medium storing program for executing, which is characterized in that the non-volatile computer readable storage medium
Matter is stored with computer executable instructions, when which is executed by one or more processors, may make institute
It states one or more processors perform claim and requires the described in any item refund monitoring methods of 1-7.
10. a kind of computer program product, which is characterized in that the computer program product includes being stored in non-volatile calculating
Computer program on machine readable storage medium storing program for executing, the computer program include program instruction, when described program instruction is processed
When device executes, the processor perform claim is made to require the described in any item refund monitoring methods of 1-7.
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| CN201910720374.3A CN110428326A (en) | 2019-08-06 | 2019-08-06 | A kind of refund monitoring method and device |
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