CN111292175A - Capital clearing method and device - Google Patents

Capital clearing method and device Download PDF

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Publication number
CN111292175A
CN111292175A CN202010138581.0A CN202010138581A CN111292175A CN 111292175 A CN111292175 A CN 111292175A CN 202010138581 A CN202010138581 A CN 202010138581A CN 111292175 A CN111292175 A CN 111292175A
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clearing
fund
task
funds
target
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顾旦青
康永乐
田灿
张智勤
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Industrial and Commercial Bank of China Ltd ICBC
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Industrial and Commercial Bank of China Ltd ICBC
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Priority to CN202010138581.0A priority Critical patent/CN111292175A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12Accounting
    • G06Q40/125Finance or payroll
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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Abstract

The embodiment of the application provides a fund clearing method and a fund clearing device, wherein the method comprises the following steps: determining a corresponding clearing path according to the received target clearing project, the clearing elements corresponding to the target clearing project and a preset clearing template; executing a fund clearing task on the target clearing project according to the clearing path, and generating fund link information according to an execution result of the fund clearing task; the method and the device can accurately and reliably execute the fund clearing task and visually track the whole fund transfer process.

Description

Capital clearing method and device
Technical Field
The application relates to the field of fund clearing, in particular to a fund clearing method and device.
Background
At present, in a clearing system, the system mainly aims to solve the problems of low capital clearing efficiency, complex manual operation and the like, and a service configuration rule, and determines the conditions of time, account number, summary, proportion and the like of capital clearing according to the rule of service configuration, and carries out clearing according to the conditions. Although the concepts of clearing rules and templates are introduced, business and product systems have poor understanding of the concepts of clearing templates, have large configuration repeatability coupling, are not easy to modify, and are prone to errors. Meanwhile, the fund cannot intuitively obtain a global path in the transfer process, and a global view capable of tracking fund transfer is difficult to establish.
Disclosure of Invention
Aiming at the problems in the prior art, the fund clearing method and the fund clearing device can accurately and reliably execute the fund clearing task and visually track the whole fund transfer process.
In order to solve at least one of the above problems, the present application provides the following technical solutions:
in a first aspect, the present application provides a method of funds clearing, comprising:
determining a corresponding clearing path according to the received target clearing project, the clearing elements corresponding to the target clearing project and a preset clearing template;
and executing a fund clearing task on the target clearing project according to the clearing path, and generating fund link information according to an execution result of the fund clearing task.
Further, before determining a corresponding clearing path according to the received target clearing item, the clearing element corresponding to the target clearing item and the preset clearing template, the method includes:
carrying out similar combination on the plurality of clearing parameters, and determining a plurality of clearing rules according to the clearing parameters subjected to similar combination;
and obtaining the clearing template according to at least one clearing rule.
Further, the executing the fund clearing task on the target clearing project according to the clearing path comprises the following steps:
traversing the clearing paths, determining all clearing details and generating a clearing list;
and sequentially executing the clearing list to obtain an execution result of the fund clearing task.
Further, the generating of the fund link information according to the execution result of the fund clearing task comprises:
obtaining an execution result according to the fund clearing task to produce a visual fund link view;
and judging whether the fund clearing task is abnormal or not according to the fund flow direction information and the transaction operation information in the visual fund link view, and if so, executing preset alarm operation.
In a second aspect, the present application provides a funds clearing apparatus comprising:
the clearing path determining module is used for determining a corresponding clearing path according to the received target clearing project, the clearing elements corresponding to the target clearing project and a preset clearing template;
and the clearing task execution module is used for executing a fund clearing task on the target clearing project according to the clearing path and generating fund link information according to an execution result of the fund clearing task.
Further, still include:
the clearing rule determining unit is used for performing similar combination on the plurality of clearing parameters and determining a plurality of clearing rules according to the clearing parameters subjected to the similar combination;
and the clearing template association unit is used for obtaining the clearing template according to at least one clearing rule.
Further, the clearing task execution module comprises:
the clearing list generating unit is used for traversing the clearing paths, determining all clearing details and generating a clearing list;
and the clearing bill execution unit is used for sequentially executing the clearing bills to obtain the execution result of the fund clearing task.
Further, the clearing task execution module comprises:
the visualized view generating unit is used for producing a visualized fund link view according to the execution result of the fund clearing task;
and the abnormal alarm unit is used for judging whether the fund clearing task is abnormal or not according to the fund flow direction information and the transaction operation information in the visual fund link view, and if so, executing preset alarm operation.
In a third aspect, the present application provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the fund clearing method when executing the program.
In a fourth aspect, the present application provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, carries out the steps of the method of funds clearing described.
According to the technical scheme, the fund clearing method and the fund clearing device are characterized in that a corresponding clearing path is determined by receiving a target clearing project, a clearing element corresponding to the target clearing project and a preset clearing template; executing a fund clearing task on the target clearing project according to the clearing path, and generating fund link information according to an execution result of the fund clearing task; according to the method and the system, complicated clearing elements are decoupled through the clearing template, the management difficulty is reduced, the problem of data errors which may occur in manual maintenance is reduced, the clearing efficiency is improved, the complicated fund clearing path is determined through instantiation of the clearing template, and visual real-time monitoring is provided for an administrator, so that the emergency response capability is improved, the customer service is optimized, and the customer experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
FIG. 1 is one of the flow diagrams of a method of clearing funds in an embodiment of the present application;
FIG. 2 is a second schematic flow chart of a fund clearing method in an embodiment of the present application;
FIG. 3 is a third schematic flow chart of a fund clearing method in an embodiment of the present application;
FIG. 4 is a fourth schematic flow chart of a method of clearing funds in an embodiment of the present application;
FIG. 5 is one of the structural diagrams of a money clearing apparatus in the embodiment of the present application;
FIG. 6 is a second block diagram of a funds clearing apparatus in an embodiment of the present application;
FIG. 7 is a third block diagram of a money clearing device in an embodiment of the present application;
FIG. 8 is a fourth of the construction diagram of the money clearing apparatus in the embodiment of the present application;
fig. 9 is a schematic structural diagram of an electronic device in an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
Considering that the existing clearing system mainly aims at solving the problems of low capital clearing efficiency, complex manual operation and the like, the system determines the conditions of time, account number, summary, proportion and the like of capital clearing according to the rules of business configuration and carries out clearing according to the conditions. Although the concepts of clearing rules and templates are introduced, business and product systems have poor understanding of the concepts of clearing templates, have large configuration repeatability coupling, are not easy to modify, and are prone to errors. Meanwhile, the fund cannot visually obtain a global path in the transfer process, and a global view capable of tracking the fund transfer is difficult to establish; executing a fund clearing task on the target clearing project according to the clearing path, and generating fund link information according to an execution result of the fund clearing task; according to the method and the system, complicated clearing elements are decoupled through the clearing template, the management difficulty is reduced, the problem of data errors which may occur in manual maintenance is reduced, the clearing efficiency is improved, the complicated fund clearing path is determined through instantiation of the clearing template, and visual real-time monitoring is provided for an administrator, so that the emergency response capability is improved, the customer service is optimized, and the customer experience is improved.
In order to accurately and reliably execute the fund clearing task and visually track the whole fund flow process, the present application provides an embodiment of a fund clearing method, which is described in fig. 1 and specifically includes the following contents:
step S101: and determining a corresponding clearing path according to the received target clearing project, the clearing elements corresponding to the target clearing project and a preset clearing template.
It is understood that the fund clearing refers to clearing, and mainly collects, sorts and splits all online and offline transaction data within a certain time according to the current generation and other generations among various institutions, credit, debit, stroke number, amount, net gross and the like.
It can be understood that the fund clearing system of the application transfers the original fund clearing manually processed offline to online processing, and the system determines the conditions of the fund clearing time, account number, summary, proportion and the like according to the rules of business configuration and transfers the fund according to the conditions.
It is to be understood that the clearing path of the present application has a topology, which refers to the form in which the various stations in the network are interconnected. The most important topologies are bus topology, star topology, ring topology, tree topology (evolved from bus) and their hybrid. The basic unit of the method is a pattern formed by two points and one line. The complicated path diagram for clearing the funds is a topological structure consisting of a plurality of account numbers when viewed from a plane graph.
It is understood that the clearing template of the present application is a set of clearing rule combinations, which can be reused by different projects, wherein the clearing rules are: only after the clearing rule is satisfied, the fund can be transferred from the account A to the account B.
It is understood that the clearing path is a complete path for clearing funds of independent projects, and is a topological structure, wherein the minimum structure which cannot be split is that the funds are from the account A to the account B according to clearing rules. Two end nodes of the minimum structure are an A account and a B account, and the clearing rule of the minimum structure relates to elements such as scene, wind control, time, accounts, summary, proportion and the like; for example, for what reason, a few points, how much funds to transfer from account a to account B.
Optionally, the complete clearing path for clearing the fund of the present application may be established before clearing, and the specific path is an instantiated path according to the clearing template and the determined clearing elements.
Optionally, the clearing elements include, but are not limited to: scene, wind control, time, account number, summary, proportion.
Step S102: and executing a fund clearing task on the target clearing project according to the clearing path, and generating fund link information according to an execution result of the fund clearing task.
It is understood that the execution result of the fund clearing task of the present application can generate a visualized fund link information, and the visualization (visualization) is theory, method and technology of using computer graphics and image processing technology to convert data into graphics or display images on a screen and then perform interactive processing.
As can be seen from the above description, the fund clearing method provided in the embodiment of the present application can determine a corresponding clearing path by receiving a target clearing item, a clearing element corresponding to the target clearing item, and a preset clearing template; executing a fund clearing task on the target clearing project according to the clearing path, and generating fund link information according to an execution result of the fund clearing task; according to the method and the system, complicated clearing elements are decoupled through the clearing template, the management difficulty is reduced, the problem of data errors which may occur in manual maintenance is reduced, the clearing efficiency is improved, the complicated fund clearing path is determined through instantiation of the clearing template, and visual real-time monitoring is provided for an administrator, so that the emergency response capability is improved, the customer service is optimized, and the customer experience is improved.
In order to obtain an accurate and reliable clearing template for decoupling the clearing elements, in an embodiment of the fund clearing method of the present application, referring to fig. 2, the following may be specifically included:
step S201: and performing similar combination on the plurality of clearing parameters, and determining a plurality of clearing rules according to the clearing parameters subjected to the similar combination.
Alternatively, by merging the same or similar clearing parameters, the parameter maintenance cost can be reduced.
Step S202: and obtaining the clearing template according to at least one clearing rule.
Optionally, the clearing template of the present application is a set of clearing rule combinations, and can be reused by different projects, where the clearing rule is: only after the clearing rule is satisfied, the fund can be transferred from the account A to the account B.
Optional, such as clearing time: 1. the time for completing one type A transaction is 1.1, and the clearing time is the second working day, so that the clearing time of the type A transaction is T + 1; 2. the time for completing one B-type transaction is 1.1, and after the clearing time is 4 days, the clearing time D +4 of the B-type transaction can be extracted; 3. the completion time of one C-type transaction is 1.1, and the clearing time is 3 every month, so that the clearing time of the C-type transaction is M + 3; thus, the clearing time of a transaction can be calculated by a simple clearing time expression.
Alternatively, the clearing rules for a transaction, for example, are as follows: PJ12001201XXXX # YYYYMMDD $ #12$ # eee # aaa, this clearing rule is divided by $ #, divided into three stages, the condition elements in each stage are divided by #, so that it is possible to obtain: a first stage: item number # transaction date; and a second stage: transfer condition 1; and a third stage: relay condition 2# relay condition 3; the clearing templates from which this type of transaction can be refined are: p # YYYYMMDD $ # condition 1$ # condition 2# condition 3.
In order to accurately perform the fund clearing task, in an embodiment of the fund clearing method of the present application, referring to fig. 3, the following may be further specifically included:
step S301: and traversing the clearing path, determining all clearing details and generating a clearing list.
Step S302: and sequentially executing the clearing list to obtain an execution result of the fund clearing task.
Optionally, when the detail clearing task is executed, the clearing path is traversed, clearing details are calculated to form a clearing list, corresponding fund clearing tasks are generated and sequentially executed, a visualized fund link view is generated after a calculation result is obtained and provided to a foreground for visual real-time monitoring, so that emergency response capability is improved, customer service is optimized, and customer experience is improved.
In order to perform visual monitoring and abnormal alarm on the whole process of the fund clearing task, in an embodiment of the fund clearing method of the present application, referring to fig. 4, the following contents may be further included:
step S401: and producing a visual fund link view according to the execution result of the fund clearing task.
Step S402: and judging whether the fund clearing task is abnormal or not according to the fund flow direction information and the transaction operation information in the visual fund link view, and if so, executing preset alarm operation.
Optionally, the service can see the clearing full path of the item in the system foreground: in each node (account), the project is as follows: the operation time and the amount of each detail can be completely displayed, and meanwhile, the statistical data in the node (account) is updated in real time. Once the fund is abnormal or the operation time is abnormal, the system can give an alarm immediately, the business can see each detail and statistical data in real time on a foreground interface of the system, and the system can conveniently, quickly and accurately react, so that the abnormity can be recovered more quickly, and the loss possibly brought by the abnormity is reduced.
In order to accurately and reliably execute the fund clearing task and intuitively track the whole fund flow process, the application provides an embodiment of the fund clearing device for realizing all or part of the fund clearing method, and the fund clearing device specifically comprises the following contents, referring to fig. 5:
and the clearing path determining module 10 is used for determining a corresponding clearing path according to the received target clearing item, the clearing element corresponding to the target clearing item and a preset clearing template.
And the clearing task execution module 20 is configured to execute a fund clearing task on the target clearing project according to the clearing path, and generate fund link information according to an execution result of the fund clearing task.
As can be seen from the above description, the fund clearing device provided in the embodiment of the present application can determine a corresponding clearing path by receiving a target clearing item, a clearing element corresponding to the target clearing item, and a preset clearing template; executing a fund clearing task on the target clearing project according to the clearing path, and generating fund link information according to an execution result of the fund clearing task; according to the method and the system, complicated clearing elements are decoupled through the clearing template, the management difficulty is reduced, the problem of data errors which may occur in manual maintenance is reduced, the clearing efficiency is improved, the complicated fund clearing path is determined through instantiation of the clearing template, and visual real-time monitoring is provided for an administrator, so that the emergency response capability is improved, the customer service is optimized, and the customer experience is improved.
In order to obtain an accurate and reliable clearing template for decoupling the clearing elements, in an embodiment of the fund clearing device of the present application, referring to fig. 6, the following contents are further specifically included:
a clearing rule determining unit 31, configured to perform similar combination on the multiple clearing parameters, and determine multiple clearing rules according to the similarly combined clearing parameters.
A clearing template associating unit 32, configured to obtain the clearing template according to at least one clearing rule.
In order to be able to accurately perform the money clearing task, in an embodiment of the money clearing apparatus of the present application, referring to fig. 7, the clearing task performing module 20 includes:
and the clearing bill generating unit 21 is used for traversing the clearing paths, determining all clearing details and generating the clearing bills.
And the clearing bill executing unit 22 is used for sequentially executing the clearing bills to obtain the execution result of the fund clearing task.
In order to perform visual monitoring and abnormal warning on the whole process of the money clearing task, in an embodiment of the money clearing apparatus of the present application, referring to fig. 8, the clearing task execution module 20 includes:
and the visual view generating unit 23 is configured to generate a visual fund link view according to the execution result of the fund clearing task.
And the abnormal warning unit 24 is configured to determine whether the fund clearing task is abnormal according to the fund flow direction information and the transaction operation information in the visual fund link view, and if so, execute a preset warning operation.
From the hardware level, in order to accurately and reliably perform the fund clearing task and intuitively track the whole fund flow process, the application provides an embodiment of an electronic device for implementing all or part of the fund clearing method, and the electronic device specifically includes the following contents:
a processor (processor), a memory (memory), a communication Interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete mutual communication through the bus; the communication interface is used for realizing information transmission between the fund clearing device and relevant equipment such as a core service system, a user terminal, a relevant database and the like; the logic controller may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the logic controller may be implemented with reference to the embodiments of the fund clearing method and the fund clearing device in the embodiments, and the contents thereof are incorporated herein, and repeated descriptions are omitted.
It is understood that the user terminal may include a smart phone, a tablet electronic device, a network set-top box, a portable computer, a desktop computer, a Personal Digital Assistant (PDA), an in-vehicle device, a smart wearable device, and the like. Wherein, intelligence wearing equipment can include intelligent glasses, intelligent wrist-watch, intelligent bracelet etc..
In practical applications, part of the fund clearing method may be performed on the electronic device side as described above, or all operations may be performed in the client device. The selection may be specifically performed according to the processing capability of the client device, the limitation of the user usage scenario, and the like. This is not a limitation of the present application. The client device may further include a processor if all operations are performed in the client device.
The client device may have a communication module (i.e., a communication unit), and may be communicatively connected to a remote server to implement data transmission with the server. The server may include a server on the task scheduling center side, and in other implementation scenarios, the server may also include a server on an intermediate platform, for example, a server on a third-party server platform that is communicatively linked to the task scheduling center server. The server may include a single computer device, or may include a server cluster formed by a plurality of servers, or a server structure of a distributed apparatus.
Fig. 9 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 9, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this fig. 9 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.
In one embodiment, the funding method functions may be integrated into central processor 9100. The central processor 9100 may be configured to control as follows:
step S101: and determining a corresponding clearing path according to the received target clearing project, the clearing elements corresponding to the target clearing project and a preset clearing template.
Step S102: and executing a fund clearing task on the target clearing project according to the clearing path, and generating fund link information according to an execution result of the fund clearing task.
As can be seen from the above description, the electronic device provided in the embodiment of the present application determines a corresponding clearing path by receiving a target clearing item, a clearing element corresponding to the target clearing item, and a preset clearing template; executing a fund clearing task on the target clearing project according to the clearing path, and generating fund link information according to an execution result of the fund clearing task; according to the method and the system, complicated clearing elements are decoupled through the clearing template, the management difficulty is reduced, the problem of data errors which may occur in manual maintenance is reduced, the clearing efficiency is improved, the complicated fund clearing path is determined through instantiation of the clearing template, and visual real-time monitoring is provided for an administrator, so that the emergency response capability is improved, the customer service is optimized, and the customer experience is improved.
In another embodiment, the funds clearing apparatus may be configured separately from the central processor 9100, for example, the funds clearing apparatus may be configured as a chip connected to the central processor 9100, and the funds clearing method functions may be implemented under the control of the central processor.
As shown in fig. 9, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 9; in addition, the electronic device 9600 may further include components not shown in fig. 9, which may be referred to in the prior art.
As shown in fig. 9, a central processor 9100, sometimes referred to as a controller or operational control, can include a microprocessor or other processor device and/or logic device, which central processor 9100 receives input and controls the operation of the various components of the electronic device 9600.
The memory 9140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.
The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. Power supply 9170 is used to provide power to electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.
The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.
The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).
The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.
Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.
Embodiments of the present application further provide a computer-readable storage medium capable of implementing all steps in the fund clearing method with the execution subject being the server or the client in the foregoing embodiments, where the computer-readable storage medium stores thereon a computer program, and when the computer program is executed by a processor, the computer program implements all steps of the fund clearing method with the execution subject being the server or the client in the foregoing embodiments, for example, when the processor executes the computer program, the processor implements the following steps:
step S101: and determining a corresponding clearing path according to the received target clearing project, the clearing elements corresponding to the target clearing project and a preset clearing template.
Step S102: and executing a fund clearing task on the target clearing project according to the clearing path, and generating fund link information according to an execution result of the fund clearing task.
As can be seen from the above description, the computer-readable storage medium provided in the embodiment of the present application determines, by receiving a target clearing item, a clearing element corresponding to the target clearing item, and a preset clearing template, a corresponding clearing path; executing a fund clearing task on the target clearing project according to the clearing path, and generating fund link information according to an execution result of the fund clearing task; according to the method and the system, complicated clearing elements are decoupled through the clearing template, the management difficulty is reduced, the problem of data errors which may occur in manual maintenance is reduced, the clearing efficiency is improved, the complicated fund clearing path is determined through instantiation of the clearing template, and visual real-time monitoring is provided for an administrator, so that the emergency response capability is improved, the customer service is optimized, and the customer experience is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (devices), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims (10)

1. A method of clearing funds, the method comprising:
determining a corresponding clearing path according to the received target clearing project, the clearing elements corresponding to the target clearing project and a preset clearing template;
and executing a fund clearing task on the target clearing project according to the clearing path, and generating fund link information according to an execution result of the fund clearing task.
2. The fund clearing method according to claim 1, wherein before determining the corresponding clearing path according to the received target clearing item, the clearing elements corresponding to the target clearing item and the preset clearing template, the method comprises:
carrying out similar combination on the plurality of clearing parameters, and determining a plurality of clearing rules according to the clearing parameters subjected to similar combination;
and obtaining the clearing template according to at least one clearing rule.
3. The funds clearing method of claim 1, wherein said performing funds clearing tasks on the target clearing project according to the clearing path comprises:
traversing the clearing paths, determining all clearing details and generating a clearing list;
and sequentially executing the clearing list to obtain an execution result of the fund clearing task.
4. The funds clearing method according to claim 1, wherein the generating of funds link information according to the result of the execution of the funds clearing task comprises:
obtaining an execution result according to the fund clearing task to produce a visual fund link view;
and judging whether the fund clearing task is abnormal or not according to the fund flow direction information and the transaction operation information in the visual fund link view, and if so, executing preset alarm operation.
5. A funds clearing apparatus, comprising:
the clearing path determining module is used for determining a corresponding clearing path according to the received target clearing project, the clearing elements corresponding to the target clearing project and a preset clearing template;
and the clearing task execution module is used for executing a fund clearing task on the target clearing project according to the clearing path and generating fund link information according to an execution result of the fund clearing task.
6. The funds clearing apparatus according to claim 5, further comprising:
the clearing rule determining unit is used for performing similar combination on the plurality of clearing parameters and determining a plurality of clearing rules according to the clearing parameters subjected to the similar combination;
and the clearing template association unit is used for obtaining the clearing template according to at least one clearing rule.
7. The funds clearing device of claim 5, wherein the clearing task performing module comprises:
the clearing list generating unit is used for traversing the clearing paths, determining all clearing details and generating a clearing list;
and the clearing bill execution unit is used for sequentially executing the clearing bills to obtain the execution result of the fund clearing task.
8. The funds clearing device of claim 5, wherein the clearing task performing module comprises:
the visualized view generating unit is used for producing a visualized fund link view according to the execution result of the fund clearing task;
and the abnormal alarm unit is used for judging whether the fund clearing task is abnormal or not according to the fund flow direction information and the transaction operation information in the visual fund link view, and if so, executing preset alarm operation.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the steps of the method of funds clearing of any of claims 1 to 4 are implemented when the program is executed by the processor.
10. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the fund clearing method according to any one of claims 1 to 4.
CN202010138581.0A 2020-03-03 2020-03-03 Capital clearing method and device Pending CN111292175A (en)

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CN109472688A (en) * 2018-10-22 2019-03-15 平安科技(深圳)有限公司 A kind of fund clearing method and apparatus

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101188012A (en) * 2006-11-16 2008-05-28 中国银联股份有限公司 A transaction data liquidation system and liquidation method
US8538873B1 (en) * 2012-06-15 2013-09-17 Bank Of America Corporation Communication network for gathering information and performing electronic transactions
US20170132705A1 (en) * 2015-11-06 2017-05-11 PGMtech Solutions, LLC System and method for aggregating financial data
US20170316388A1 (en) * 2016-04-29 2017-11-02 Mastercard International Incorporated Systems and Methods for Use in Evaluating Automated Clearing House (ACH) Transactions
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Application publication date: 20200616