CN116416059A - Fee settlement method, apparatus, electronic device and computer readable storage medium - Google Patents
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Abstract
The application discloses a method, a device, an electronic device and a computer readable storage medium for fee settlement, wherein the method comprises the following steps: determining initial cost of a target transaction mechanism in a current settlement period, and acquiring first amortization cost of the target transaction mechanism; determining a second amortization cost according to the first amortization cost, the initial cost and a preset threshold; determining the actual settlement expense of the current settlement period according to the second amortization expense and the initial expense, and performing expense settlement with the actual settlement expense in the current settlement period; updating the first amortization expense according to the second amortization expense, so that the updated first amortization expense can be used for expense settlement of the next settlement period of the current settlement period. By adopting the spreading mode, the situation that the actual settlement cost is smaller than the preset threshold value, such as the negative number, is avoided, the economic loss caused to each participant due to the rough and unreasonable spreading method is avoided, and the rationality and flexibility of the spreading mode are obviously improved.
Description
Technical Field
The present disclosure relates to the field of computer technologies, and in particular, to a method and apparatus for fee settlement, an electronic device, and a computer readable storage medium.
Background
The comprehensive charging system of the clearing house bears the business of charge record, summarization, settlement and the like of the member transaction facility. In the prior art, the sum and the expense account are generally processed, and if the balance sum is different, the difference sum is generated. For the difference amount, in the prior art, the difference amount is usually directly amortized in the receivable or payable bill in the post-settlement period, the amortization mode cannot predict the relative amount of the receivable or payable bill in the post-settlement period and the expense to be amortized in advance, so that the money loss is easy to be caused to a clearing institution or a transaction institution, for example, when the amount to be amortized is larger than the receivable amount in the post-settlement period in the time of transferring and subtracting the receivable amount, the negative amount appears, and the money loss is caused to the clearing institution; similarly, when the amount due is greater than the amount due in the subsequent settlement period, the amount due is negative, which results in a loss of funds to the transaction facility.
Disclosure of Invention
The embodiment of the application provides a method, a device, electronic equipment and a computer readable storage medium for expense settlement, which are used for reasonably amortizing different amounts of money in the expense settlement process by stages, so as to avoid the problem of economic loss caused by unreasonable amortization modes for all parties.
The embodiment of the application adopts the following technical scheme:
in a first aspect, an embodiment of the present application provides a method for settlement of fees, which is performed by a billing server, the method including:
determining initial cost of a target transaction mechanism in a current settlement period, and acquiring first amortization cost of the target transaction mechanism;
determining a second amortization cost according to the first amortization cost, the initial cost and a preset threshold;
determining the actual settlement cost of the current settlement period according to the second amortization cost and the initial cost, and performing cost settlement with the actual settlement cost in the current settlement period; wherein the actual settlement cost is not less than a preset threshold value;
updating the first amortization expense according to the second amortization expense, so that the updated first amortization expense can be used for expense settlement of the next settlement period of the current settlement period.
Optionally, in the above method, determining the second amortization cost according to the first amortization cost, the initial cost, and the preset threshold comprises:
Subtracting the first amortization cost from the initial cost to obtain a first difference;
under the condition that the first difference value is smaller than a preset threshold value, determining that the second amortization expense is equal to the difference value between the initial expense and the preset threshold value;
and determining that the second amortization cost is equal to the first amortization cost under the condition that the first difference value is greater than or equal to a preset threshold value.
Optionally, in the method, updating the first amortization cost according to the second amortization cost includes:
subtracting the second amortization cost from the first amortization cost to obtain a second difference;
the updated first amortization cost is determined to be equal to the second difference.
Optionally, the method further comprises:
if the initial cost of the current settlement period is smaller than the preset threshold value, the initial cost is directly used as the actual settlement cost of the current settlement period, and the step of determining the second amortization cost according to the first amortization cost, the initial cost and the preset threshold value is not executed.
Optionally, in the above method, the preset threshold is not less than zero.
Optionally, in the above method, determining the initial charge of the current settlement period includes:
acquiring first transaction detail data of each transaction in a current settlement period;
and determining the initial cost of the target transaction facility according to the first transaction detail data and a preset cost charging policy.
Optionally, in the above method, determining the initial fee of each transaction facility according to the first transaction detail data and the preset fee charging policy includes:
determining the cost of each transaction of the target transaction institution according to the first transaction detail data and a preset cost charging policy;
and summarizing the fees of each transaction of the target transaction facility to obtain the initial fees of the target transaction facility.
Optionally, the method further comprises, before acquiring the first amortization fee:
acquiring a third amortization fee from the operations module;
updating the first amortization cost according to the third amortization cost.
Optionally, in the above method, determining the second amortization cost according to the first amortization cost, the initial cost, and the preset threshold further includes:
acquiring second transaction detail data of each transaction in the previous settlement period of the current settlement period;
determining a fourth amortization fee based on the second transaction detail data;
determining a second amortization cost according to the first amortization cost, the fourth amortization cost, the initial cost and the preset threshold.
Optionally, in the above method, determining a fourth amortization fee based on the second transaction detail data comprises:
Extracting estimated and actual fees for each transaction from the second transaction detail data;
determining a difference amount of each transaction according to the estimated cost and the actual cost of each transaction;
and (5) summarizing the difference amount of each transaction to obtain fourth amortization expense.
Optionally, in the above method, the initial fee includes an initial chargeable fee or an initial payable fee.
Optionally, in the above method, the settlement period is a daily settlement period, a weekly settlement period, a monthly settlement period or a annual settlement period.
In a second aspect, an embodiment of the present application further provides a fee settlement device, which is applied to a billing server, where the device is configured to implement any one of the methods described above.
In a third aspect, an embodiment of the present application further provides an electronic device, including: a processor; and a memory arranged to store computer executable instructions that, when executed, cause the processor to perform the method of any of the above.
In a fourth aspect, embodiments of the present application also provide a computer-readable storage medium storing one or more programs that, when executed by an electronic device comprising a plurality of application programs, cause the electronic device to perform any of the methods described above.
The above-mentioned at least one technical scheme that this application embodiment adopted can reach following beneficial effect:
according to the method and the device, the actual amortization cost from amortization to the settlement period and the actual settlement cost of the settlement period are determined according to the relative sizes of the to-be-amortized cost, the initial cost of the current settlement period and the preset threshold, namely, the actual settlement cost of each settlement period is ensured not to be less than the preset threshold, the balance relation of the balance can be flexibly adjusted by setting the preset threshold, and various types of cost adjustment can be flexibly supported; when the expense to be amortized is larger than the initial charge application of the next settlement period, the amortization mode of the method is adopted, the situation that the actual settlement expense is negative is avoided, the economic loss caused to each participant due to the fact that the amortization method is rough and unreasonable is avoided, and the rationality and flexibility of the amortization mode are obviously improved.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiments of the application and together with the description serve to explain the application and do not constitute an undue limitation to the application. In the drawings:
FIG. 1 is a flow chart of a method of fee settlement according to one embodiment of the present application;
FIG. 2 is a flow chart of a method of fee settlement according to another embodiment of the present application;
FIG. 3 is an axial diagram of a fee settlement method according to one embodiment of the present application;
FIG. 4 is a flow diagram of a fee settlement device according to one embodiment of the present application;
fig. 5 is a schematic structural diagram of an electronic device in an embodiment of the present application.
Detailed Description
For the purposes, technical solutions and advantages of the present application, the technical solutions of the present application will be clearly and completely described below with reference to specific embodiments of the present application and corresponding drawings. It will be apparent that the described embodiments are only some, but not all, of the embodiments of the present application. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are within the scope of the present disclosure.
The following describes in detail the technical solutions provided by the embodiments of the present application with reference to the accompanying drawings.
The concept of the present application is that, in the prior art, aiming at the problem that in the process of clearing transactions, due to the simple and rough amortization mode, the clearing institution or the transaction institution easily causes funds loss, a cost settlement method is provided, the method gathers the difference amounts of the transaction fees together, and periodically amortizes the fees on a period-by-period basis, and the present application determines the actual amortization fees of the settlement period according to the actual conditions of the fees to be amortized which are receivable or payable according to the current settlement period, and can avoid the trouble of bill confusion and economic loss caused to parties participating in clearing due to the negative number of the fees to be received or payable while ensuring that all the fees to be amortized can be received or paid.
In the past, various transactions of non-bank payment institutions and banks as well as banks and banks are directly docked, and in recent years, with the development of internet finance, in order to ensure the fund safety of all parties participating in the transactions, an intermediate party supervision mechanism, namely a clearing mechanism, is presented, and is respectively docked with the non-bank payment institutions and banks, so as to mainly provide fund clearing service of network payment service. The abutted non-bank payment mechanism and the bank are also architecturally called member mechanisms of the clearing mechanism, and can be differently named according to the actual business scene.
Fig. 1 is a flow chart of a method of fee settlement according to one embodiment of the present application, which is performed by a billing server.
The billing server may be deployed in the billing system of the clearing institution, i.e., the intermediary of the docking non-banking payment institution with the bank as described above.
In the present application, the meanings represented by terms such as chargeable fee and payable fee in the following description can be understood according to popular meanings in application scenarios, and will not be described again.
As can be seen from fig. 1, the fee settlement method includes at least the following steps S110 to S140:
step S110: determining the initial charge of a target transaction mechanism in the current settlement period, and acquiring the first charge to be amortized of the target transaction mechanism.
In this application, the member institutions that the clearing institution interfaces with are collectively referred to as transaction institutions, that is, including non-bank payment institutions such as payment treasures, and the like, as well as various banks. The clearing mechanism performs the fee settlement according to the dimension of the transaction mechanism, specifically, in one settlement period, the fee settlement can be performed on a plurality of transaction mechanisms in parallel, or can be performed on each transaction mechanism one by one, and the application is not limited to this.
When the clearing mechanism charges or pays fees to the transaction mechanism, in order to save time and improve working efficiency, the clearing mechanism generally does not settle fees for each transaction, generally sums the fees according to a preset settlement period to form a periodic fee bill, and sends the periodic fee bill to the transaction mechanism, so that the transaction mechanism can pay or charge according to the fee amount displayed on the fee bill. The settlement period may be, but is not limited to, a daily settlement period, a weekly settlement period, a monthly settlement period, or a annual settlement period.
In the process of settlement of fees, a difference amount may occur due to a failure of a transaction database or a compensation history transaction, etc., and in the prior art, in order to eliminate the difference amount, it is common to directly spread the difference amount in the next settlement period in the subsequent settlement process.
The amortization of the difference amount is mainly divided into four scenes, wherein the first scene is to reduce the difference amount in the bill to be received; the second scenario is to subtract the differential amount in the bill payable; the third scenario is to increment a differential amount in the bill to be received; a fourth scenario is to increment a differential amount in the bill payable.
There are a number of drawbacks to the existing amortization of differential amounts, such as the fact that more fees are charged in the last settlement period, a reduction amount is generated in order not to cause losses to the member institution, and the reduction amount is amortized in the current settlement period to eliminate the reduction amount. In the prior art, the amortization of the amount to be transferred is to directly transfer the amount to the bill to be received in the current settlement period, but when the amount to be transferred is larger than the amount of the bill to be received in the current settlement period, the amount of the bill to be received in the current settlement period becomes negative, and if the bill is paid for receipt, the funds are lost to the clearing institution.
The above scenario is a situation that occurs when the difference amount is adjusted and reduced in the bill to be charged, and similarly, a similar situation occurs when the difference amount is adjusted and reduced in the bill to be charged, if the difference amount occurs in the last settlement period, the difference amount should be adjusted and reduced in the current settlement period if the adjustment and reduction amount is larger than the amount of the bill to be charged in the current settlement period, the amount to be charged in the current period is negative, and from the viewpoint of the transaction facility, the bill to be charged by the clearing facility is the bill to be charged by the transaction facility, and the amount to be charged becomes negative, thereby causing economic loss to the transaction facility.
It should be noted that, when the difference amount is added, the above-mentioned situation will not usually occur, for example, the amount is added in the accounts receivable or the accounts payable, the added amount is directly added in the accounts receivable or the accounts payable, and the negative situation will not occur.
It should also be noted that the billing of the clearing house may involve both the fee the clearing house charges to the transaction house and the fee the clearing house needs to pay to the transaction house. I.e., the initial charge includes an initial chargeable charge or an initial payable charge. In the process of clearing, the calculation of the chargeable and payable fees is independent from each other in order to make the bill clear. And therefore the amount of difference due cannot be eliminated by adjusting it to the bill payable, and similarly the amount of difference due cannot be eliminated by adjusting it to the bill payable. That is, the pay-out direction should not be adjusted for amortization of the differential amounts.
Aiming at the defects of the prior art, the application provides a method for amortizing different amounts in a period-by-period manner. First, determining initial fees of a target transaction facility in a current settlement period, wherein the initial fees comprise, but are not limited to, fees generated by transfer business, payment and other business between the transaction facilities, and fees generated by a clearing facility for helping the transaction facilities to conduct transaction clearing and other business. If the target transaction facility is facility A, the current settlement period is 10 months in 2020, and the initial cost is 100 yuan.
The value of the first amortization fee may be stored in a specific memory area of the settlement server to facilitate the call or update.
The amortization cost is generated due to the existence of the difference amount, and the difference amount needs to be amortized in order to be eliminated. The first amortization fee includes, but is not limited to, a historical amortization fee that the last settlement period was not able to be completely amortized, e.g., a amortization fee for the current settlement period may also be included.
In particular, by the time of accounting for each transaction, the amount of the difference or the difference fee may be referred to as a amortization fee, and thus the amortization fee may be understood as being caused by excessive fees, insufficient fees, excessive fees, or insufficient fees, etc. collected during the historical transaction, which may need to be amortized to a settlement period of current and/or future time to compensate for the difference fee, so that each party may not suffer economic loss due to the existence of the difference fee.
Step S120: and determining a second amortization cost according to the first amortization cost, the initial cost and the preset threshold value. It should be noted that, since the actual settlement cost is not negative when the differential amount is adjusted and increased, the following embodiments take the amortization cost as an example.
If the amortization cost is greater than the initial cost of the current settlement period, the actual settlement cost of the current settlement period is negative, in order to overcome the defect, the actual settlement cost of the current settlement period is ensured not to be negative, a threshold value which is not less than zero can be preset, and thus the size of the second amortization cost and the actual settlement cost of the current settlement period are indirectly limited through the setting of the preset threshold value, wherein the second amortization cost can be understood as the difference cost which can be amortized in the current settlement period.
In this way, the second amortization fee of the actual amortization of the current settlement period and the actual settlement fee of the current settlement period can be determined according to the first amortization fee, the initial fee and the actual size of the preset threshold.
Specifically, the determination method of the second amortization cost and the actual settlement cost may be determined according to factors such as the kind of the first amortization cost, the relative sizes of the first amortization cost and the initial cost, and the like.
In the following, taking the case that the clearing institution charges the transaction institution for example, the current settlement period is a month settlement period, specifically, 10 months in 2020, the initial charge is 100 yuan, the first expense is caused by excessive charge, the first expense is to reduce the expense, for example, 200 yuan, if the first expense is greater than the initial charge, if the first expense is directly expense, the final expense for 10 months in 2020 is-100 yuan, that is, according to this expense method, the clearing institution pays 100 yuan to the financial institution, contrary to the direction of "expense", which is contradictory.
In this case, the problem can be solved by the present application, for example, if the preset threshold is set to 0, that is, the actual settlement fee of the current settlement period must not be less than 0, that is, the current settlement period must not be less than 0, the financial institution is charged with the fee by the clearing institution, the second amortization fee may be any value within 0-100, and after determining the range of the second amortization fee, the value may be randomly selected as the second amortization fee within the range; the secondary rule may be set to determine the second amortization fee, for example, the second amortization fee is determined to be 60% of the highest value of the range of the second amortization fee, etc., where the determining manner of the second amortization fee is not limited in the present application, and may be set according to the service requirement. It should be noted that, typically, the preset threshold is not less than 0.
Here, it is assumed that the second amortization cost is determined to be 40 according to a random principle, that is, the final chargeable cost of 10 months in 2020 is 60 yuan, the actual amortization cost is 40 yuan, and the cost of the first amortization cost which is not amortized is 160 yuan.
Step S140: updating the first amortization expense according to the second amortization expense, so that the updated first amortization expense can be used for expense settlement of the next settlement period.
According to the second amortization cost, namely the first amortization cost is updated according to the cost of actual amortization, the updated first amortization cost can be accumulated into the to-be-amortization cost of the next settlement period, namely the first amortization cost of the next settlement period, and therefore cycle-by-cycle amortization is achieved.
That is, the above-described 160-membered non-amortized fees are accumulated into amortized fees of the next settlement period for amortization.
As can be seen from the method shown in fig. 1, the present application determines the actual amortization cost from amortization to the settlement period and the actual settlement cost of the settlement period according to the to-be-amortized cost, the initial cost of the current settlement period and the relative size of the preset threshold, so that on one hand, the actual settlement cost of each settlement period is ensured not to be less than the preset threshold, the balance relation of the balance can be flexibly adjusted, and various types of cost adjustment can be flexibly supported; on the other hand, when the expense to be amortized is larger than the initial charge application of the next settlement period, the amortization mode of the method is adopted, the condition that the actual settlement expense is negative is avoided, the economic loss caused to each participant due to the fact that the amortization method is rough and unreasonable is avoided, and the rationality and flexibility of the amortization mode are obviously improved.
In some embodiments of the present application, determining the second amortization cost based on the first amortization cost, the initial cost, and the preset threshold comprises: subtracting the first amortization cost from the initial cost to obtain a first difference; under the condition that the first difference value is smaller than a preset threshold value, determining that the second amortization expense is equal to the difference value between the initial expense and the preset threshold value; and determining that the second amortization cost is equal to the first amortization cost under the condition that the first difference value is greater than or equal to a preset threshold value.
Still taking the clearing institution to charge the transaction institution as an example, the current settlement period is a month settlement period, specifically, 10 months in 2020, the initial cost is 100 yuan, the first amortization cost is caused by excessive charge, the first amortization cost is a reduction amortization cost, for example, 200 yuan, and in the case that the first amortization cost is greater than the initial cost, if the preset threshold is set to 30, that is, the actual settlement cost required to be charged to the transaction institution in 10 months in 2020 by the clearing institution is not less than 30 yuan, the following method can be adopted to determine how much the reduction cost can be practically amortized in the settlement period.
First, the initial charge is differenced from the adjustment charge, in this embodiment, the initial charge is 100, the adjustment charge is 200 yuan, the adjustment charge is subtracted from the initial charge to obtain a first difference value-100, -100 is smaller than 30, which means that if the adjustment charge is totally spread out in the settlement period, the final chargeable charge is negative, in which case, the second amortization charge is determined, that is, the actual amortization charge of the settlement period is equal to the difference value 70 between the initial charge 200 and the preset threshold 30. That is, there is 130 in the first amortization fee that the amortization is not achieved, and the cost to be amortized 130 is accumulated in the next settlement period.
For another example, in the current settlement period of 10 months in 2020, the initial cost is 100 yuan, the first amortization cost is caused by excessive charge, if the first amortization cost is 50, the preset threshold is 30 yuan, the first difference value 50 is obtained by subtracting the amortization cost from the initial cost, and 50 is greater than 30, the second amortization cost is determined, namely, the actual amortization cost of the settlement period is equal to the first amortization cost 50, that is, the first amortization cost is amortized in the current settlement period.
In some embodiments of the present application, updating the first amortization cost based on the second amortization cost comprises: subtracting the second amortization cost from the first amortization cost to obtain a second difference; the updated first amortization cost is determined to be equal to the second difference.
The first amortization expense is stored in a specific area of the clearing server and is called when the clearing server waits for each clearing, the second amortization expense is amortization expense in the current clearing period, a second difference value obtained by subtracting the second amortization expense from the first amortization expense is expense which cannot be amortized in the first amortization expense, the second difference value needs to be amortized continuously in the next clearing period, therefore, the updated first amortization expense is determined to be equal to the second difference value, the second difference value can be used for covering the first amortization expense, namely, the updating of the first amortization expense is realized, and when the clearing is carried out in the next clearing period, the updated first amortization expense is amortization expense.
Taking an initial cost of 100 yuan, a first amortization cost of 200 yuan, a preset threshold of 0, and a second amortization cost of 40 yuan as examples, wherein the second amortization cost is the cost of actual amortization in the current settlement period, the first amortization cost minus the second amortization cost is the difference cost which should be amortized but is not yet amortized, and the first amortization cost is 160 yuan, at this time, in a specific area of the clearing server, the original 200 is covered by 160, namely, the updating of the first amortization cost is completed, and the next settlement period is 160 when the first amortization cost is read.
In some embodiments, the above method further comprises: if the initial cost of the current settlement period is smaller than the preset threshold value, the initial cost is directly used as the actual settlement cost of the current settlement period, and the step of determining the second amortization cost according to the first amortization cost, the initial cost and the preset threshold value is not executed.
In order to ensure that the actual settlement cost is not less than zero at the same time, a preset threshold value is usually set to be greater than or equal to zero. Because of service uncertainty, the initial cost generated in a certain settlement period may be too low, if the initial cost is lower than a preset threshold value, it is not necessary to perform amortization on the basis of the initial cost, and the actual settlement cost obtained by amortization is necessarily lower than the preset threshold value and is inconsistent with the intention of amortization. In this case, therefore, the amortization of the present settlement period can be skipped directly, without changing the first amortization cost. Of course, when another amortization fee newly occurs in the present settlement period, the first amortization fee may be updated, and amortization may be performed again in the subsequent settlement period.
In some embodiments of the present application, in the above method, determining the initial charge for the current settlement period includes: acquiring first transaction detail data of each transaction in a current settlement period; and determining the initial cost of the target transaction facility according to the first transaction detail data and a preset cost charging policy.
The initial cost of each settlement period is formed by accumulating the cost generated by each transaction in the settlement period, and specifically, the cost of each transaction can be generated according to the first transaction detail data of each transaction in the settlement period, wherein the first transaction detail data can include, but is not limited to, the name of both transaction parties, the organization code, the transaction type, the amount related to the business, the cost charged to the user by the transaction organization and the like. After the first transaction detail data of each transaction is obtained, the first transaction detail data of each transaction can be directly used for generating the cost of each transaction according to a preset cost charging policy, then the cost of each transaction of the same transaction mechanism is summarized together to generate the total cost of the settlement period, and the total cost is used as the initial cost of the transaction mechanism in the settlement period. In some embodiments, the fees for each transaction at the target transaction facility may also be aggregated together, and then the total fees may be directly generated as the initial fees for the transaction facility at the settlement period in accordance with a pre-set fee billing policy.
The preset fee charging policy may be understood as a preset rule that the clearing institution charges or honors the fee to the transaction institution, for example, the amount involved in the transaction is 10000 yuan, the preset fee charging policy is one ten thousandth of the amount of the transaction, and the transaction fee is 1 yuan. It will be appreciated that the foregoing is merely illustrative, and that the preset fee charging policy may be determined according to a plurality of factors such as a transaction type, a transaction amount, a fee charged to the user by the transaction facility, and the like during actual operation, which is not limited in this application. If different fee charging strategies can be set for different transaction institutions and different transaction types, on one hand, the fairness and rationality of the fees are reflected, and on the other hand, the moderate fee preference of institutions with large transaction amount can be made. If the number of transactions of the mechanism A reaches 10000 in the last year and the number of transactions of the mechanism B reaches 1000 in the last year, the mechanism A can be applied with the fee charging policy 1, and the mechanism B can be applied with the fee charging policy 2.
In some embodiments of the present application, the method further comprises, prior to acquiring the first amortization fee: acquiring a third amortization fee from the operations module; and updating the first amortization cost according to the third amortization cost.
The operational module is deployed in an operational department of the clearing house, which may be, for example, a department of an out-connection transaction facility. In the process of clearing each transaction, the operation department may generate differential cost due to accidental factors, for example, in the process of checking accounts, the differential cost of a certain transaction is suddenly found; or a new transaction is suddenly generated, which creates a differential charge. At this time, these temporarily generated differential fees may also be classified into fees to be amortized for amortization. Specifically, a third amortization fee may be obtained from the operation module, and the third amortization fee may be understood as a temporarily generated difference fee, according to which the first amortization fee is updated, and the updated first amortization fee is used as an initial amortization fee, i.e., a first amortization fee, which is originally predicted to be amortized in the present settlement period.
In some embodiments of the present application, in the above method, determining the second amortization cost according to the first amortization cost, the initial cost, and the preset threshold further comprises: acquiring second transaction detail data of each transaction in the previous settlement period; determining a fourth amortization fee based on the second transaction detail data; determining a second amortization cost according to the first amortization cost, the fourth amortization cost, the initial cost and the preset threshold.
To prevent errors in the historical clearance, the clearing house periodically recalculates the clearance of the historical transaction, abbreviated as recalculation, and if errors are found during the recalculation, a fourth amortization fee is generated.
The fourth amortization cost may be, but is not limited to, temporary amortization cost generated in the recalculation process, for example, the current calculation period is 10 months in 2020, when the calculation is performed, the calculation is performed on the last calculation period, that is, 9 months in 2020, in addition to the first amortization cost read in the calculation server, in the recalculation process, the fourth amortization cost is generated, and after the first amortization cost is updated according to the fourth amortization cost, the second amortization cost is determined according to the updated first amortization cost, the initial cost and the preset threshold value. After updating the first amortization cost according to the fourth amortization cost, a summation mode can be adopted, if the first amortization cost is 100 yuan, and if the fourth amortization cost is 100 yuan, the first amortization cost is 200 yuan; in another example, the first amortization cost is 100 yuan, the fourth amortization cost is 50 yuan, and the first amortization cost is 50 yuan.
For the fourth amortization fee determination method, in some embodiments of the present application, it may be determined according to the second transaction detail data, specifically, the estimated fee and the actual fee of each transaction are extracted from the second transaction detail data; determining a difference amount of each transaction according to the estimated cost and the actual cost of each transaction; and (5) summarizing the difference amount of each transaction to obtain fourth amortization expense. That is, the difference between the estimated cost and the actual cost of each transaction is accumulated to obtain the fourth amortized cost, wherein the estimated cost can be understood as a theoretical cost value generated according to a preset cost charging policy; the actual fee may be understood as the fee actually charged by the clearing house to the transaction facility.
Fig. 2 is a flow chart of a method for settlement of fees according to another embodiment of the present application, as can be seen from fig. 2, the method for settlement of fees at least includes steps S210 to S230:
step S210: the settlement of the payable fee of the first settlement period of the A mechanism specifically comprises the following steps: step S211 to step S214.
Step S211: the initial payable fee of the first settlement period of the a institution is determined, specifically, the payable fee of each transaction can be obtained according to the transaction detail data of each transaction of the a institution, the payable fee of each transaction is generated according to a preset fee charging policy, and then the payable fees of each transaction of the same transaction institution are summarized together to obtain the initial payable fee of the current settlement period of the a institution, for example, the current settlement period is 10 months in 2020, and the initial payable fee of the current settlement period is 100 yuan.
Step S212: a first amortization fee is obtained, which may be stored in a server specific storage location, which is accessible for reading each time a call is required. The first amortization fee includes, but is not limited to, an initial amortization fee of a previous settlement period, a temporary amortization fee obtained from an operation module, and the like, and in this embodiment, the first amortization fee is assumed to be a reduction fee, and is 200 yuan in total.
Step S213: the second amortization cost and the actual settlement cost of the first settlement period are determined according to the first amortization cost, the initial cost and the preset threshold, if the preset threshold is 0 in the application, the second amortization cost is equal to the initial cost, namely, the second amortization cost of 10 months in 2020 amortizes 100 yuan, the actual settlement cost is 0 yuan, and the first amortization cost remains 100 yuan without amortization.
Step S214: updating the first amortization cost, and accumulating the first amortization cost when 100 yuan is not amortized after the current settlement period is settled.
Step S220: and entering the next settlement period, namely the fee settlement process of the second settlement period. The method specifically comprises the following steps: step S221 to step S224.
Step S221: the second settlement period, the initial chargeable fee for month 11 of 2020, is determined, assuming 200 yuan.
Step S222: the first amortization charge is updated according to the third amortization charge and the fourth amortization charge of 11 months 2020, which are obtained from the operation module, and then the first amortization charge is obtained, and the 300 th is assumed to be 300 th yuan, and the 300 th yuan includes 100 th yuan which are not amortized in 10 years 2020, and also includes the third amortization charge and the fourth amortization charge.
Step S223: and determining a second amortization cost of the second settlement period, wherein the second amortization cost is 200 yuan, the actual settlement cost is 0 yuan, and 100 yuan in the first amortization cost are not amortized through calculation.
Step S224: updating the first amortization cost, and accumulating the first amortization cost when 100 yuan is not amortized after the current settlement period is settled.
Step S230: and entering the next settlement period, namely the cost settlement process of the third settlement period. The method specifically comprises the following steps: step S231 to step S234.
Step S231: the third settlement period, the initial chargeable fee for month 12 of 2020, was determined to be 500 yuan.
Step S232: the first amortization charge is updated according to the third amortization charge and the fourth amortization charge of the third settlement period obtained from the operation module, and then the first amortization charge is obtained, assuming 300 yuan in total, and the 300 yuan includes 100 yuan which was not amortized in 2020.
Step S233: and according to the preset threshold value 0, determining that the second amortization cost of the third settlement period is equal to the first amortization cost, namely equal to 300 yuan, and determining that the actual settlement cost of the current settlement period is 200 yuan.
Step S234: the first amortization fee is updated to enter the next settlement period for use.
Fig. 3 is a time axis diagram of a fee settlement method according to one embodiment of the present application, and it can be seen from fig. 3 that assuming that the first amortization fee is a reduction fee, in the payable bill of 10 months in 2020, before amortization, the clearing house should pay 100 yuan to the a house, and the first amortization fee is 200 yuan from reading from a specific area of the clearing server.
Setting a preset threshold value to be 0, determining the actual amortization cost of 10 months in 2020 to be 100, and amortizing the first amortization cost. After the amortization, 10 months in 2020, the clearing institution should pay 0 yuan to institution a; the updated first amortization cost is 100 yuan.
In the payable bill of 11 in 2020, the clearing house should pay 30 yuan to the a house before amortization, and the first amortization fee is 100 yuan from reading from the specific area of the clearing server.
The actual amortization cost of 10 months in 2020 is determined to be 30, and the first amortization cost is amortized. After the amortization, 11 months 2020, the clearing house should pay 0 yuan to the a house; the updated first amortization cost is 70 yuan.
In the payable bill of 12 months in 2020, the clearing house should pay 150 yuan to the a house before amortization, and the first amortization fee is 70 yuan from reading from the specific area of the clearing server.
The actual amortization cost of 10 months in 2020 is determined to be 70, and the first amortization cost is amortized. After the amortization, 12 months 2020, the clearing house should pay 80 yuan to the a house; the updated first amortization cost is 0 yuan, so that the first amortization cost is amortized.
Fig. 4 shows a charge settlement apparatus according to an embodiment of the present application, the charge settlement apparatus 400 being applied to a billing server, the apparatus 400 comprising:
an acquiring unit 410, configured to determine an initial fee of a target transaction facility in a current settlement period, and acquire a first amortized fee of the target transaction facility;
a amortization unit 420 for determining a second amortization fee according to the first amortization fee, the initial fee, and a preset threshold;
a settlement unit 430 for determining an actual settlement fee for the current settlement period according to the second amortization fee and the initial fee, and performing fee settlement with the actual settlement fee in the current settlement period; wherein the actual settlement cost is not less than a preset threshold value;
The updating unit 440 is configured to update the first amortization fee according to the second amortization fee, so that the updated first amortization fee is available for fee settlement of a next settlement period of the current settlement period.
In some embodiments of the present application, in the above apparatus, the amortization unit 420 is configured to subtract the first amortization cost from the initial cost to obtain a first difference; under the condition that the first difference value is smaller than a preset threshold value, determining that the second amortization expense is equal to the difference value between the initial expense and the preset threshold value; and determining that the second amortization cost is equal to the first amortization cost under the condition that the first difference value is greater than or equal to a preset threshold value.
In some embodiments of the present application, in the above device, the settlement unit 430 is configured to directly use the initial cost as the actual settlement cost of the current settlement period if the initial cost of the current settlement period is less than the preset threshold.
In some embodiments of the present application, in the above apparatus, the preset threshold is not less than zero and not greater than the initial cost.
In some embodiments of the present application, in the above apparatus, the obtaining unit 410 is configured to obtain first transaction detail data of each transaction in the current settlement period; and determining the initial cost of the target transaction facility according to the first transaction detail data and a preset cost charging policy.
In some embodiments of the present application, in the above apparatus, the obtaining unit 410 is configured to determine a fee for each transaction of the target transaction facility according to the first transaction detail data and a preset fee charging policy; and summarizing the fees of each transaction of the target transaction facility to obtain the initial fees of the target transaction facility.
In some embodiments of the present application, in the above apparatus, the obtaining unit 410 is further configured to obtain a third amortization fee from the operation module; and the updating unit is also used for updating the first amortization expense according to the third amortization expense.
In some embodiments of the present application, in the above apparatus, the amortization unit 420 is further configured to obtain second transaction detail data of each transaction in a previous settlement period of the current settlement period; determining a fourth amortization fee based on the second transaction detail data; determining a second amortization cost according to the first amortization cost, the fourth amortization cost, the initial cost and the preset threshold.
In some embodiments of the present application, in the above-described apparatus, the amortization unit 420 is further configured to extract the estimated and actual costs of each transaction from the second transaction detail data; determining a difference amount of each transaction according to the estimated cost and the actual cost of each transaction; and (5) summarizing the difference amount of each transaction to obtain fourth amortization expense.
In some embodiments of the present application, in the above-described apparatus, the initial fee includes an initial chargeable fee or an initial payable fee.
In some embodiments of the present application, in the above-described apparatus, the settlement period is a daily settlement period, a weekly settlement period, a monthly settlement period, or an annual settlement period.
It can be understood that the above-mentioned fee settlement device can implement the steps of the fee settlement method performed by the clearing server provided in the foregoing embodiment, and the explanation about the fee settlement method is applicable to the fee settlement device and will not be repeated here.
Fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present application. Referring to fig. 5, at the hardware level, the electronic device includes a processor, and optionally an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory (non-volatile Memory), such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.
The processor, network interface, and memory may be interconnected by an internal bus, which may be an ISA (Industry Standard Architecture ) bus, a PCI (Peripheral Component Interconnect, peripheral component interconnect standard) bus, or EISA (Extended Industry Standard Architecture ) bus, among others. The buses may be classified as address buses, data buses, control buses, etc. For ease of illustration, only one bi-directional arrow is shown in FIG. 5, but not only one bus or type of bus.
And the memory is used for storing programs. In particular, the program may include program code including computer-operating instructions. The memory may include memory and non-volatile storage and provide instructions and data to the processor.
The processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs, forming a fee calculation device on a logic level. The processor is used for executing the programs stored in the memory and is specifically used for executing the following operations:
the fee settlement method provided by the embodiment of the application is executed by a charging server, and comprises the following steps:
determining initial cost of a target transaction mechanism in a current settlement period, and acquiring first amortization cost of the target transaction mechanism;
determining a second amortization cost according to the first amortization cost, the initial cost and a preset threshold;
determining the actual settlement expense of the current settlement period according to the second amortization expense and the initial expense, and performing expense settlement with the actual settlement expense in the current settlement period; wherein the actual settlement cost is not less than a preset threshold value;
updating the first amortization expense according to the second amortization expense, so that the updated first amortization expense can be used for expense settlement of the next settlement period of the current settlement period.
The method performed by the fee settlement apparatus as disclosed in the embodiment shown in fig. 4 of the present application may be applied to the processor or implemented by the processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or by instructions in the form of software. The processor may be a general-purpose processor, including a central processing unit (Central Processing Unit, CPU), a network processor (Network Processor, NP), etc.; but also digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), field programmable gate arrays (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. The disclosed methods, steps, and logic blocks in the embodiments of the present application may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the embodiments of the present application may be embodied directly in hardware, in a decoded processor, or in a combination of hardware and software modules in a decoded processor. The software modules may be located in a random access memory, flash memory, read only memory, programmable read only memory, or electrically erasable programmable memory, registers, etc. as well known in the art. The storage medium is located in a memory, and the processor reads the information in the memory and, in combination with its hardware, performs the steps of the above method.
The electronic device may also execute the method executed by the fee settlement apparatus in fig. 4, and implement the functions of the fee settlement apparatus in the embodiment shown in fig. 4, which is not described herein again.
The embodiments of the present application also provide a computer-readable storage medium storing one or more programs, the one or more programs including instructions, which when executed by an electronic device including a plurality of application programs, enable the electronic device to perform the method performed by the fee settlement apparatus in the embodiment shown in fig. 4, and specifically configured to perform:
determining initial cost of a target transaction mechanism in a current settlement period, and acquiring first amortization cost of the target transaction mechanism;
determining a second amortization cost according to the first amortization cost, the initial cost and a preset threshold;
determining the actual settlement expense of the current settlement period according to the second amortization expense and the initial expense, and performing expense settlement with the actual settlement expense in the current settlement period; wherein the actual settlement cost is not less than a preset threshold value;
updating the first amortization expense according to the second amortization expense, so that the updated first amortization expense can be used for expense settlement of the next settlement period of the current settlement period.
It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present application 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 application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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.
In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.
Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.
It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application 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 foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and changes may be made to the present application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. which are within the spirit and principles of the present application are intended to be included within the scope of the claims of the present application.
Claims (15)
1. A charge settlement method performed by a charging server, wherein the method comprises:
determining initial cost of a target transaction mechanism in a current settlement period, and acquiring first amortization cost of the target transaction mechanism;
determining a second amortization cost according to the first amortization cost, the initial cost and a preset threshold;
Determining an actual settlement cost of a current settlement period according to the second amortization cost and the initial cost, and performing cost settlement with the actual settlement cost in the current settlement period; wherein the actual settlement cost is not less than the preset threshold;
updating the first amortization expense according to the second amortization expense, so that the updated first amortization expense can be used for expense settlement of a next settlement period of the current settlement period.
2. The method of claim 1, wherein the determining a second amortization fee based on the first amortization fee, the initial fee, and a preset threshold comprises:
subtracting the first amortization cost from the initial cost to obtain a first difference;
determining that the second amortization cost is equal to the difference between the initial cost and the preset threshold value when the first difference is smaller than the preset threshold value;
and under the condition that the first difference value is larger than or equal to the preset threshold value, determining that the second amortization expense is equal to the first amortization expense.
3. The method of claim 1, wherein the updating the first amortization fee according to the second amortization fee comprises:
Subtracting the second amortization cost from the first amortization cost to obtain a second difference;
determining that the updated first amortization cost is equal to the second difference.
4. The method of claim 1, wherein the method further comprises:
if the initial cost of the current settlement period is smaller than the preset threshold value, the initial cost is directly used as the actual settlement cost of the current settlement period, and the step of determining the second amortization cost according to the first amortization cost, the initial cost and the preset threshold value is not executed.
5. The method of claim 1, wherein the preset threshold is not less than zero.
6. The method of claim 1, wherein the determining an initial charge for the current settlement period comprises:
acquiring first transaction detail data of each transaction in a current settlement period;
and determining the initial cost of the target transaction mechanism according to the first transaction detail data and a preset cost charging policy.
7. The method of claim 6, wherein the determining an initial fee for a target transaction facility based on the first transaction detail data and a preset fee billing policy comprises:
determining the cost of each transaction of a target transaction institution according to the first transaction detail data and a preset cost charging policy;
And summarizing the fees of all transactions of the target transaction mechanism to obtain the initial fees of the target transaction mechanism.
8. The method of claim 1, wherein the method further comprises, prior to acquiring the first amortization fee:
acquiring a third amortization fee from the operations module;
updating the first amortization cost according to the third amortization cost.
9. The method of claim 1, wherein the determining a second amortization fee based on the first amortization fee, the initial fee, and a preset threshold further comprises:
acquiring second transaction detail data of each transaction in the previous settlement period of the current settlement period;
determining a fourth amortization fee based on the second transaction detail data;
determining a second amortization cost according to the first amortization cost, the fourth amortization cost, the initial cost and the preset threshold.
10. The method of claim 9, wherein the determining a fourth amortization fee from the second transaction detail data comprises:
extracting estimated and actual fees for each transaction from the second transaction detail data;
determining the difference amount of each transaction according to the estimated cost and the actual cost of each transaction;
And summarizing the difference amount of each transaction to obtain the fourth amortization expense.
11. The method of any one of claims 1-10, wherein the initial fee comprises an initial payable fee or an initial payable fee.
12. The method of any one of claims 1-10, wherein the settlement period is a daily settlement period, a weekly settlement period, a monthly settlement period, or an annual settlement period.
13. A fee settlement apparatus for use with a billing server, wherein the apparatus is arranged to implement the method of any one of claims 1 to 12.
14. An electronic device, comprising:
a processor; and
a memory arranged to store computer executable instructions which, when executed, cause the processor to perform the method of any of claims 1 to 12.
15. A computer readable storage medium storing one or more programs, which when executed by an electronic device comprising a plurality of application programs, cause the electronic device to perform the method of any of claims 1-12.
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