CN109214910A - A kind of service charge set meal implementation method of bank core savings account - Google Patents
A kind of service charge set meal implementation method of bank core savings account Download PDFInfo
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- CN109214910A CN109214910A CN201810896576.9A CN201810896576A CN109214910A CN 109214910 A CN109214910 A CN 109214910A CN 201810896576 A CN201810896576 A CN 201810896576A CN 109214910 A CN109214910 A CN 109214910A
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Abstract
The present invention provides a kind of service charge set meal implementation method of bank core savings account, including establishes that set meal defines summary table, set meal defines register, account and set meal signing contingency table and set meal are using summary sheet；Summary table is defined using the set meal of foundation and set meal defines register and defines service charge set meal, is contracted using account and set meal signing contingency table to the service charge set meal that client needs；And the night when next phase service charge set meal time started arrives, next period service charge set meal is automatically generated to signed client；Meanwhile when client contracts or generates next period service charge set meal, initialization process is carried out using summary sheet to set meal.The invention has the advantages that the service charge mode for quickly configuring customer deposit account may be implemented, so as to realize the parametrization management of service charge set meal well；The independent assortment of service charge set meal under can also being realized by parameter configuration by all kinds of means, and support to customize service price according to corporate organization, be conducive to the marketing management of bank.
Description
Technical field
The present invention relates to computer field, in particular to the service charge set meal realization side of a kind of bank core savings account
Method.
Background technique
Since 2014, basic principle that relevant departments should follow bank service behavior price, guiding price and fixed
The formulation and adjustment of valence, the formulation of market-adjusted price and adjustment, service price information announcing, internal control, service price supervision
The many aspects such as management have carried out systemic specification.Bank is by trying the different service charge set meals of different savings accounts, binding
The relationship of account and package price, to realize the preferential service of customization, this part set meal includes: from preferential channel, excellent
Favour range (enchashment, transfer accounts, all), the set meal period (year, season, the moon), preferential type (directly exempt from, first exempt to receive afterwards), bank of deposit whether
Advance (shenglvehao)for another, preferential mode (exempting from stroke count etc. four) exempt from stroke count, exempt from the amount of money, every preferential ratio, every preferential amount of money isogonism
Degree carries out parametrization configuration, while supporting to exempt from administration fee account.
By retrieval, in the prior art there is also there is many service charge calculations, for example, the applying date is
2017.07.17, one kind is disclosed application No. is 201710578834 Chinese invention patent to count based on big data measuring and calculating and in real time
According to the algorithmic method of the film ticket return commission expense of monitoring, this method is dynamically determined according to integrated informations such as user, play, movie theatres
The problem of determining return commission expense, allows the maximized holding gain of movie theatre and service operation side, and this utilizes big data
Measuring and calculating, mainly calculates specific dynamic service charge according to the score value of some parameter, is not particularly suited for bank's needs
In the way of the fixed fee that rule is calculated.
For another example, applying date 2017.10.11, application No. is 201710943371 Chinese invention patents to disclose one kind
Multichannel formality cost calculating method, this method is during the entire process of payment charges calculates, it is only necessary to safeguard payment in advance
Basic information, the means of payment of each mechanism personalized customization and service charge bearing way, can put things right once and for all, and repeat benefit
The intelligent algorithm provided with system obtains the reality of this payment of commission amount and the mechanism to the account amount of money immediately；But
In actual banking, for a transaction or a business scenario, it is often necessary to while expense is carried out to multiple charging items
With calculating, while also needing to carry out the Fee Amount summarized a degree of deduction and exemption and (transferring accounts, need as done inter-bank by ATM
Collect banking procedure where deposits and withdrawals are processed at any branch bank service charge and communication charges)；And the multichannel formality cost calculating method only realizes under fixed fee
The ratio of different institutions is shared, and mainly by computer come in the way of substituting the manual calculations such as excel, and cannot achieve difference
The several scenes such as the service charge of channel is overlapped, the preferential surplus of service charge set meal is carried down.It can be seen from the above, existing calculation is big
It is all to use single or compute repeatedly, therefore, flexibility is poor, can not integrate multiple price set meals, also cannot achieve and be directed to
The expense of one transaction is managed collectively.
Summary of the invention
The technical problem to be solved in the present invention is to provide a kind of service charge set meal realization side of bank core savings account
The service charge mode for quickly configuring customer deposit account may be implemented, by this method so as to realize formality well in method
Take the parametrization management of set meal；At the same time it can also free group of the service charge set meal under being realized by parameter configuration by all kinds of means
It closes, and supports to customize service price according to corporate organization, be conducive to the marketing management of bank.
The present invention is implemented as follows: a kind of service charge set meal implementation method of bank core savings account, the method
Include:
Step S1, it establishes and defines summary table for saving the set meal of set meal essential information, establish for saving set meal in difference
The set meal of managing detailed catalogue under channel defines register, establishes the account for saving account contract signing relationship and is associated with set meal signing
Table, and the set meal established for saving the preferential surplus of service charge use summary sheet；
Step S2, summary table is defined using the set meal of foundation and set meal defines register and defines service charge set meal, utilize account
It contracts with set meal signing contingency table to the service charge set meal that client needs；And it is arrived in next phase service charge set meal time started
At night when coming, next period service charge set meal is automatically generated to signed client；Meanwhile next period service charge is contracted or generated in client
When set meal, initialization process is carried out using summary sheet to set meal.
Further, the method also includes:
Step S3, bank withhold in batches using service fee of the night to the service charge set meal of signing account；
Step S4, set meal use bill is established；It trades to banking on-line, the unified API for calling core service charge to calculate
Obtain the corresponding service charge deduction and exemption amount of money；
Wherein step S3 and step S4 in no particular order sequence.
Further, in the step S1, it includes following field that the set meal, which defines summary table: set meal number, currency type, set
Meal price, set meal priority level, set meal illustrate description, in the set meal period, channel type, the preferential mode of channel, now turn to indicate, exempt from
Mode, bank of deposit's advance (shenglvehao)for another mark, client's property, rank, preferential type, set meal surplus whether the amount carried forward, whether limit, transaction limit
Volume, the package price upper limit, package price lower limit, set meal enable mark, maintenance mechanism, maintenance teller, maintenance dates and reserve
Field；
It includes following field that the set meal, which defines register: set meal number, exempts from total stroke count, exempts from total gold channel mark
Volume, every exempt from ratio and every is exempted from the amount of money；
The account includes being described below with set meal signing contingency table: account, ownership mechanism, set meal number, set meal are preferential
Whether whether rank package price, the effective date, the Expiration Date, continue automatically, continue issue, come into force, is the date of withholing, initial
Change date, maintenance mechanism, maintenance teller and maintenance dates；
The set meal includes being described below using summary sheet: preferential time limit, time limit unit, account, ownership mechanism, set meal are compiled
Number, set meal priority level, channel mark, exempt from total stroke count surplus, exempt from total amount surplus, balance brought forward stroke count, balance brought forward
The amount of money has exempted from total stroke count, has exempted from total amount and mark of carrying down；
In the step S4, the set meal use bill include be described below: account, ownership mechanism, set meal number,
Trade date, commission amount, exempts from the amount of money, transaction code, former transaction journal number and memo field at transaction channel.
Further, in the step S2, the set meal using foundation defines summary table and set meal defines register
Define service charge set meal specifically:
Step A1, each site defines in set meal and fills in set meal essential information in summary table and define service charge set meal, and will definition
The state of service charge set meal be set as not enabled；
Step A2, it obtains set meal and defines the definition in summary table to channel type and the preferential mode of channel, if the canal of definition
Road type be by all kinds of means and the preferential mode of channel to be that each channel adds up to preferential, then defined toward set meal be written in register it is defeated by cabinet face
The record of each channel entered, while the channel number for being written that indicates a total entry by all kinds of means in register is defined toward set meal again
Record；If the channel type of definition is by all kinds of means and the preferential mode of channel is that each channel is individually preferential, stepped on toward set meal definition
Remember that write-in is by the record of each channel of cabinet face input in book；If the channel type of definition is single channel, stepped on toward set meal definition
Remember that write-in is by the record of the channel of cabinet face input in book；If the channel type of definition is electronic channel, stepped on toward set meal definition
Remember the record of the channel number of one expression electronic channel of write-in in book；If the channel type of definition is full channel, toward set
Meal defines the record of the channel number of one full channel of expression of write-in in register；
Step A3, after the completion of the maintenance of site, the service charge set meal of definition is enabled.
Further, in the step S2, the hand that client is needed using account and set meal signing contingency table
The set meal that continues to pay dues carries out signing and specifically includes:
Step B1, when client needs to contract service charge set meal, judge whether service charge set meal is effective, if it is valid,
Enter step B2；If invalid, terminate process；
Step B2, whether come into force after judging signing, if it is, entering step B3；If it is not, then writing account and set
Meal signing contingency table, and terminate process；
Step B3, judge that set meal defines whether the package price in summary table is greater than zero, if it is, according to package price into
Row set meal expense is withholdd, and enters step B4；If it is not, then being directly entered step B4；
Step B4, set meal is initialized using summary sheet, meanwhile, account and set meal signing contingency table are write, and terminate
Process.
Further, described that next period service charge set meal is automatically generated including giving birth to signed client in the step S2
Summary sheet is used using the set meal of summary sheet and last service charge set meal of carrying down at the set meal of next period service charge set meal；
The set meal for generating next period service charge set meal is specifically included using summary sheet:
Step C11, judge whether current date is that set meal defines the set meal period defined in summary table, if it is, into
Step C12；If it is not, then terminating process；
Step C12, corresponding column is established using summary sheet according to set meal, and according to the data dictionary in set meal period from set
Meal defines in summary table and reads corresponding data；
Step C13, it after being defined from set meal read corresponding data in summary table every time, is compiled according to ownership mechanism and set meal
Number from account and set meal signing contingency table in read all data；
Step C14, judging the initialization date of all data read from account and set meal signing contingency table one by one is
No is current date, if it is, terminating process；If it is not, then entering step C15；
Step C15, judge the mark that comes into force that is arranged in account and set meal signing contingency table, if come into force indicate be it is deactivated,
Then terminate process；If coming into force mark to enter step C18 wait come into force；If the mark that comes into force enters step to have come into force
C16；
Step C16, judge whether be set as continuing automatically in account and set meal signing contingency table, if it is, entering step
Rapid C17, if it is not, then terminating process；
Step C17, judge whether the continuity issue being arranged in account and set meal signing contingency table is Hold, if
It is then to enter step C18；If it is not, then updating continuity issue=continuity issue -1 of account and set meal signing contingency table, later
Enter step step C18；
Step C18, set meal is initialized using summary sheet, and terminates process；
The set meal for carrying down last service charge set meal is specifically included using summary sheet:
Step C21, judge whether current date is that set meal defines the set meal period defined in summary table, if it is, into
Step C22；If it is not, then terminating process；
Step C22, according to the data dictionary in set meal period read set meal define the set meal surplus that is arranged in summary table whether be
Allow the amount carried forward, if it is, set meal is revised as last record using the current period recording status in summary sheet, while by set meal
It is revised as current period record using the next period recording status in summary sheet, enters step C23 later；If it is not, then terminating process；
Step C23, it is recorded, and sentenced using all last issues are read in summary sheet from set meal using ownership mechanism and set meal number
Break in each last record with the presence or absence of having a margin, if so, then entering step C24；If nothing, it is directly entered step C25；
Step C24, the record in register is defined using account, set meal number and channel mark positioning set meal, and will
Last surplus updates interim to this；
Step C25, last record is deleted, process is terminated.
Further, described that set meal is specifically included using summary sheet progress initialization process in the step S2:
Step D1, the set meal for generating corresponding service charge set meal according to the account of signed client is current to use summary sheet, and obtains
Set meal is taken to define the definition in summary table to channel type and the preferential mode of channel, if the channel type of definition is by all kinds of means and canal
It is preferential that the preferential mode in road is that each channel adds up to, then reads set meal with set meal number and corresponding channel number and define each of register
Data；If the channel type of definition is by all kinds of means and the preferential mode of channel is that each channel is individually preferential, numbered with set meal
Read each data that set meal defines register；If the channel type of definition is single channel, is numbered with set meal and read set meal
Define a data of register；If the channel type of definition is electronic channel, compiled with set meal number and corresponding channel
Number reading set meal defines data of register；If the channel type of definition is full channel, numbered with set meal and corresponding
Channel number read set meal and define data of register；
Step D2, it reads set meal and defines exempting from total stroke count or exempt from total amount in register, and according to the number of reading
Summary sheet is used according to set meal is write.
Further, in the step S3, the bank is using night to the clothes of the service charge set meal of signing account
Business expense withhold in batches and specifically includes:
Step E1, judge whether current date is that set meal defines the set meal period defined in summary table, if it is, entering step
Rapid E2；If it is not, then terminating process；
Step E2, set meal is read according to the data dictionary in the set meal period and defines the items that package price in summary table is greater than zero
Data, meanwhile, state comes into force or wait come into force in the equal associated account number of every item data and set meal signing contingency table to reading
Related data；
Step E3, judge whether the date of withholing in account and set meal signing contingency table is current date, if it is, knot
Line journey；If it is not, then entering step E4；
Step E4, judge to be provided that in account and set meal signing contingency table it is no continue to be automatic, walked if it is, entering
Rapid E5；If it is not, then terminating process；
Step E5, judge whether the continuity issue being arranged in account and set meal signing contingency table is greater than zero, if it is, into
Enter step E6；If it is not, then terminating process；
Step E6, the progress auto deduction of the package price in summary table is defined according to set meal and updates account if withholing success
Number with set meal signing contingency table in withholing the date, and by reset condition be " wait come into force " state be changed to " coming into force "；If button
The state of account and set meal signing contingency table then is changed to " deactivate " by money failure.
Further, described to trade to banking on-line in the step S4, the unification for calling core service charge to calculate
API obtains the corresponding service charge deduction and exemption amount of money and specifically includes:
Step F1, account is passed into API by API input interface, channel mark, now turns mark, now turn the amount of money, formality
Take the amount of money and mechanism of exchange, API judges the data and shape that whether there is corresponding account in account and set meal signing contingency table
State is " coming into force " or " deactivated ", if it is, entering step F2；If it is not, then terminating process；
Step F2, association set meal defines summary table, and judges that set meal defines in summary table whether trading limit is arranged, if so,
Then enter step F3；If it is not, then entering step F4；
Step F3, judgement now turns the amount of money whether within the scope of the trading limit of setting, if it is, entering step F4；Such as
Fruit is no, then terminates process；
Step F4, incoming the showing of judgement turn mark whether with set meal define in summary table now to turn mark identical, if it is,
Enter step F5；If it is not, then terminating process；
Step F5, whether effective the incoming channel mark of basis judges channel, if it is valid, entering step F6；If
In vain, then terminate process；
Step F6, judge that set meal defines the preferential type in summary table, and if preferential type be every exempt from proportion or
Person every is exempted from by the amount of money, is calculated every and is exempted from the amount of money=exempt from amount of money * ratio or exempt from the amount of money, and enters step F8；
If preferential type is to exempt from by total stroke count or exempt from by total amount, F7 is entered step；
Step F7, judge that set meal using whether there is surplus in the current period record of summary sheet, if had a margin, enters step
Rapid F8；If terminating process without surplus；
Step F8, update set meal using summary sheet exempt from total stroke count surplus, exempt from total amount surplus, exempted from total stroke count or
Person has exempted from total amount, and writes set meal use bill；Meanwhile the amount of money and advance (shenglvehao)for another mark are exempted from by the return of API output interface.
The present invention has the advantage that
1, it devises and defines summary table including set meal, set meal defines register, account and set meal signing contingency table and set meal
Using the service charge set meal module of summary sheet, the service charge mode of quickly configuration customer deposit account is made it possible to achieve, from
And the parametrization management of service charge set meal can be realized well；Under being realized by parameter configuration by all kinds of means
The independent assortment of service charge set meal, and support to customize service price according to corporate organization, this is conducive to the marketing management of bank；
2, the unified API for devising the calculating of core service charge, calls multiple transaction of core inner jointly；
3, set meal scheduled mode is devised, allows to realize the upper of service charge set meal by the surplus of current period and next period
Phase carries down and next period pre-generatmg.
Detailed description of the invention
The present invention is further illustrated in conjunction with the embodiments with reference to the accompanying drawings.
Fig. 1 is a kind of execution flow chart of the service charge set meal implementation method of bank core savings account of the present invention.
Specific embodiment
Please refer to shown in Fig. 1 to figure, a kind of service charge set meal implementation method of bank core savings account of the present invention compared with
Good embodiment, described method includes following steps:
Step S1, it establishes and defines summary table for saving the set meal of set meal essential information, establish for saving set meal in difference
The set meal of managing detailed catalogue under channel defines register, establishes the account for saving account contract signing relationship and is associated with set meal signing
Table, and the set meal established for saving the preferential surplus of service charge use summary sheet；
Step S2, summary table is defined using the set meal of foundation and set meal defines register and defines service charge set meal, utilize account
It contracts with set meal signing contingency table to the service charge set meal that client needs；And it is arrived in next phase service charge set meal time started
At night when coming, next period service charge set meal is automatically generated to signed client；Meanwhile next period service charge is contracted or generated in client
When set meal, initialization process is carried out using summary sheet to set meal.
In specific implementation, it is withholdd to the service fee of service charge set meal for convenience and facilitates core inner multiple
Transaction can call jointly, the method also includes:
Step S3, bank withhold in batches using service fee of the night to the service charge set meal of signing account, due to
Bank can suspend related service when night, therefore, carry out batch using night come the service fee to service charge set meal
It withholds, it can be ensured that will not influence normal business handling；
Step S4, set meal use bill is established, uses detail for recording set meal；It trades to banking on-line, calls core
The unified API that heart service charge calculates obtains corresponding service charge and reduces or remits the amount of money；
Wherein, step S3 and step S4 in no particular order sequence.
In the step S1, it includes following field that the set meal, which defines summary table: set meal number, currency type, package price, set
Meal priority level, set meal illustrate description, in the set meal period, channel type, the preferential mode of channel, now turn to indicate, exempt from mode, open an account
Row advance (shenglvehao)for another mark, client's property, rank, preferential type, set meal surplus whether the amount carried forward, whether limit, trading limit, set meal valence
The lattice upper limit, package price lower limit, set meal enable mark, maintenance mechanism, maintenance teller, maintenance dates and reserved field；Specifically
Field and remarks explanation such as table 1:
1 set meal of table defines the field of summary table and remarks illustrate table
It includes following field that the set meal, which defines register: set meal number, exempts from total stroke count, exempts from total gold channel mark
Volume, every exempt from ratio and every is exempted from the amount of money；Specific field and remarks explanation such as table 2:
2 set meal of table defines the field of register and remarks illustrate table
The account includes being described below with set meal signing contingency table: account, ownership mechanism, set meal number, set meal are preferential
Whether whether rank package price, the effective date, the Expiration Date, continue automatically, continue issue, come into force, is the date of withholing, initial
Change date, maintenance mechanism, maintenance teller and maintenance dates；It specifically describes and remarks illustrates such as table 3:
The description of 3 account of table and set meal signing contingency table and remarks illustrate table
The set meal includes being described below using summary sheet: preferential time limit, time limit unit, account, ownership mechanism, set meal are compiled
Number, set meal priority level, channel mark, exempt from total stroke count surplus, exempt from total amount surplus, balance brought forward stroke count, balance brought forward
The amount of money has exempted from total stroke count, has exempted from total amount and mark of carrying down；It specifically describes and remarks illustrates such as table 4:
4 set meal of table illustrates table using the description and remarks of summary sheet
In the step S4, the set meal use bill include be described below: account, ownership mechanism, set meal number,
Trade date, commission amount, exempts from the amount of money, transaction code, former transaction journal number and memo field at transaction channel；Specifically retouch
It states such as table 5:
The description of 5 set meal use bill of table illustrates table
The present invention in the specific implementation, by design comprising set meal defines summary table, set meal defines register, account and set meal
Signing contingency table and set meal use the service charge set meal module of summary sheet, allow to reach free group by parameter configuration
It closes, and supports to customize service price according to corporate organization.
Wherein,
In the step S2, the set meal using foundation defines summary table and set meal defines register and defines service charge set
Meal specifically:
Step A1, each site defines in set meal and fills in set meal essential information in summary table and define service charge set meal, and will definition
The state of service charge set meal be set as not enabled；
Step A2, it obtains set meal and defines the definition in summary table to channel type and the preferential mode of channel, if the canal of definition
Road type be by all kinds of means and the preferential mode of channel to be that each channel adds up to preferential, then defined toward set meal be written in register it is defeated by cabinet face
The record of each channel entered, while the channel number for being written that indicates a total entry by all kinds of means in register is defined toward set meal again
Record (such as in table 2, the channel number of total entry by all kinds of means is indicated using 9, then just also needing to write channel and numbering and be
9 record), i.e., defining register in set meal includes N+1 notes record, wherein N is more than or equal to 2；If the channel type of definition
By all kinds of means and the preferential mode of channel is that each channel is individually preferential, then toward set meal define in register write-in input by cabinet face it is each
It includes N notes record that the record of channel, i.e. set meal, which define register, wherein N is more than or equal to 2；If the channel type of definition is
Single channel then defines the record for the channel that write-in is inputted by cabinet face in register toward set meal；If the channel type of definition is electricity
Sub- channel, the then record that the channel number that an expression electronic channel is written in register is defined toward set meal (such as in table 2, make
The channel number of electronic channel is indicated with 8, then just only needing to write the record that a channel number is 8)；If the canal of definition
Road type is full channel, then the record that the channel number that one indicates full channel is written in register is defined toward set meal (such as in table 2
In, the channel number of full channel is indicated using 7, then just only needing to write the record that a channel number is 7)；
Step A3, after the completion of the maintenance of site, the service charge set meal of definition is enabled.The present invention in the specific implementation, each legal person
Mechanism can individually establish service charge set meal, and after head office passes, can enable service charge set meal；It enables simultaneously
Service charge set meal afterwards can also stop, and the service charge set meal after stopping cannot contract new account, but with the visitor of signing
Family can also continue to using service charge set meal.
It is described that the service charge set meal that client needs is carried out using account and set meal signing contingency table in the step S2
Signing specifically includes:
Step B1, when client needs to contract service charge set meal, whether effectively to judge service charge set meal (includes: 1, judgement
Whether the service charge set meal has enabled, and only having enabled could calculate effectively；2, judge whether the corresponding client's property of account corresponds to
Set meal defines client's property in summary table, and only client's property correspondence is just finally effective；3, judge Class Type, only contract
It is finally effective that card meets corresponding grade special talent, such as VIP card rank, then needs to judge whether the card of signing is VIP card, is only
VIP card is just calculated effectively), if it is valid, entering step B2；If invalid, terminate process；
Step B2, whether come into force after judging signing, if it is, entering step B3；If it is not, then writing account and set
Meal signing contingency table, and terminates process, i.e., if do not come into force, does not need to carry out set meal expense to withhold, and does not also need pair
Set meal is initialized using summary sheet, and therefore, need to only write account and set meal signing contingency table can terminate；
Step B3, judge that set meal defines whether the package price in summary table is greater than zero, if it is, according to package price into
Row set meal expense is withholdd, and enters step B4；If it is not, then being directly entered step B4；
Step B4, set meal is initialized using summary sheet, meanwhile, account and set meal signing contingency table are write, and terminate
Process.
When specifically being contracted, client, which can choose, to come into force, and also can choose the next period and comes into force；For coming into force
, if package price, which is greater than zero, to withhold immediately.The calculation formula of set meal expense are as follows: the amount of money=package price * is surplus
Remaining period total number of days/total period number of days；The total total number of days of stroke count * rest period of total stroke count=exempt from/number of days of total period is exempted from (to be rounded
Add one)；Total amount=the exempt from total number of days of total amount * rest period/total period number of days is exempted from, what the next period came into force just detains to the end of month
Money.In night batch processing, every the end of month/end of the season/year end/year end half just does batch to the expense of service charge set meal and withholds,
If it find that Sorry, your ticket has not enough value, the status modifier for the service charge set meal that will just contract is " deactivated ", while not regenerating next phase
Primary data.Meanwhile once even if deactivating that client account balance supplies will not be automatic open-minded, client must by cabinet face or
Channel is contracted again.
It is described that next period service charge set meal is automatically generated including generating next period service charge to signed client in the step S2
The set meal of set meal uses summary sheet using the set meal of summary sheet and last service charge set meal of carrying down；I.e. in the specific implementation, right
In the client of signing, needs night when arriving at the beginning of next phase to generate next period service charge set meal, be broadly divided into down
The set meal of phase service charge set meal is generated using summary sheet and the set meal of last service charge set meal is carried down using summary sheet, in upper issue
Current period new service charge set meal has been reformed into according to next period data after carrying down.
The set meal for generating next period service charge set meal is specifically included using summary sheet:
Step C11, judge whether current date is that set meal defines the set meal period defined in summary table and (judges current date
Whether it is the end of month, end of the season, year end half or year end), if it is, entering step C12；If it is not, then terminating process；
Step C12, corresponding column is established using summary sheet according to set meal, and according to the data dictionary in set meal period from set
Meal defines in summary table and reads corresponding data；For example, the data dictionary in set meal period includes the end of month, end of the season, year end half and year end,
So, it is just successively defined from set meal according to the sequence at the end of month, end of the season, year end half, year end and reads corresponding data in summary table, i.e., such as
Fruit is the end of month, just reads set meal and defines the data that the set meal period in summary table is the end of month, if it is end of the season, it is total just to read set meal definition
The set meal period is the data of end of the season in table, and year end half and year end are also and so on；
Step C13, it after being defined from set meal read corresponding data in summary table every time, is compiled according to ownership mechanism and set meal
Number from account and set meal signing contingency table in read all data；I.e. in the specific implementation, when being defined in summary table from set meal every time
After reading corresponding data, it is necessary to be read from account and set meal signing contingency table according to the ownership mechanism and set meal of reading number
Take all data；
Step C14, judging the initialization date of all data read from account and set meal signing contingency table one by one is
No is current date, if it is, terminating process；If it is not, then entering step C15；I.e. in the specific implementation, it needs to reading
All data judged one by one, and if the initialization date of a certain item data read has been current date, say
The bright item data had initialized and (has not needed to carry out handling again), can be continued at this time to next item data
Judgement；
Step C15, judge the mark that comes into force that is arranged in account and set meal signing contingency table, if come into force indicate be it is deactivated,
Then terminate process；If coming into force mark to enter step C18 wait come into force；If the mark that comes into force enters step to have come into force
C16；
Step C16, judge whether be set as continuing automatically in account and set meal signing contingency table, if it is, entering step
Rapid C17, if it is not, then terminating process；
Step C17, judge whether the continuity issue being arranged in account and set meal signing contingency table is that Hold (continues
Issue is 9999), if it is, entering step C18；If it is not, then updating the continuity issue of account and set meal signing contingency table
=continue issue -1 (the continuity issue by account and set meal signing contingency table is needed to subtract 1), step C18 is entered step later；
Step C18, set meal is initialized using summary sheet, and terminates process；
The set meal for carrying down last service charge set meal is specifically included using summary sheet:
Step C21, judge whether current date is that set meal defines the set meal period defined in summary table and (judges current date
Whether it is the end of month, end of the season, year end half or year end), if it is, entering step C22；If it is not, then terminating process；
Step C22, according to the data dictionary in set meal period read set meal define the set meal surplus that is arranged in summary table whether be
Allow the amount carried forward, if it is, set meal is revised as last record using the current period recording status in summary sheet, while by set meal
It is revised as current period record using the next period recording status in summary sheet, enters step C23 later；If it is not, then terminating process；Example
Such as, the data dictionary in set meal period includes the end of month, end of the season, year end half and year end, then, just according to the end of month, end of the season, half at the end of,
The sequence at year end is successively read set meal and defines whether the set meal surplus being arranged in summary table is to allow the amount carried forward；
Step C23, it is recorded, and sentenced using all last issues are read in summary sheet from set meal using ownership mechanism and set meal number
Break in each last record with the presence or absence of having a margin, if so, then entering step C24；If nothing, it is directly entered step C25；
Step C24, the record in register is defined using account, set meal number and channel mark positioning set meal, and will
Last surplus updates interim to this；When last surplus is gone to the next period, using preferential using priciple: i.e. last
The data carried down if it find that current period surplus has been reduced, then will go to make up the remaining of current period preferentially using falling with last quantity
Amount, but no more than the total quantity of current period；For example, current period total stroke count surplus is 100,2 residues 98 have been used, it is last
It carries down 5, then " exempt from total amount surplus "=100, " balance brought forward stroke count "=3；
Step C25, last record is deleted, process is terminated.
It is described that set meal is specifically included using summary sheet progress initialization process in the step S2:
Step D1, the set meal for generating corresponding service charge set meal according to the account of signed client is current to use summary sheet, and obtains
Set meal is taken to define the definition in summary table to channel type and the preferential mode of channel, if the channel type of definition is by all kinds of means and canal
It is preferential that the preferential mode in road is that each channel adds up to, then with set meal number and corresponding channel number, (such as in table 2, channel, which is numbered, is
9) each data that set meal defines register are read；If the channel type of definition is by all kinds of means and the preferential mode of channel is each canal
Road is individually preferential, then each data for reading set meal and defining register are numbered with set meal；If the channel type of definition is single canal
A data for reading set meal and defining register are numbered in road then with set meal；If the channel type of definition is electronic channel, with
(such as in table 2, channel number is a data for 8) reading set meal and defining register for set meal number and corresponding channel number；
If the channel type of definition is full channel, with set meal number and corresponding channel number, (such as in table 2, channel number is
7) data that set meal defines register are read；
Step D2, it reads set meal and defines exempting from total stroke count or exempt from total amount in register, and according to the number of reading
Summary sheet is used according to set meal is write.
In the step S3, the bank is criticized using service fee of the night to the service charge set meal of signing account
Amount, which is withholdd, to be specifically included:
Step E1, judge whether current date is that set meal defines the set meal period defined in summary table and (judges current date
Whether it is the end of month, end of the season, year end half or year end), if it is, entering step E2；If it is not, then terminating process；
Step E2, set meal is read according to the data dictionary in the set meal period and defines the items that package price in summary table is greater than zero
Data, for example, the data dictionary in set meal period includes the end of month, end of the season, year end half and year end, then, just according to the end of month, end of the season,
Year end half, year end sequence be successively read set meal and define all data that package price in summary table is greater than zero；Meanwhile to reading
State is to come into force or related data to be come into force in every equal associated account number of item data and set meal signing contingency table；
Step E3, judge whether the date of withholing in account and set meal signing contingency table is current date, if it is, knot
Line journey；If it is not, then entering step E4；Due to be when batch processing it is repeatable submit, by judgement withhold the date whether
For current date, it can effectively avoid and duplicate situation of withholing；
Step E4, judge to be provided that in account and set meal signing contingency table it is no continue to be automatic, walked if it is, entering
Rapid E5；If it is not, then terminating process；
Step E5, judge whether the continuity issue being arranged in account and set meal signing contingency table is greater than zero, if it is, into
Enter step E6；If it is not, then terminating process；
Step E6, the progress auto deduction of the package price in summary table is defined according to set meal and updates account if withholing success
Number with set meal signing contingency table in withholing the date, and by reset condition be " wait come into force " state be changed to " coming into force "；If button
The state of account and set meal signing contingency table then is changed to " deactivate " by money failure.
Described to trade to banking on-line in the step S4, the unified API for calling core service charge to calculate, which obtains, to be corresponded to
Service charge deduction and exemption the amount of money specifically include:
Step F1, account is passed into API by API input interface, channel mark, now turns mark, now turn the amount of money, formality
Take the amount of money and mechanism of exchange, API judges the data and shape that whether there is corresponding account in account and set meal signing contingency table
State is " coming into force " or " deactivated ", if it is, entering step F2；If it is not, then terminating process；
Step F2, association set meal defines summary table, and judges that set meal defines in summary table whether trading limit is arranged, if so,
Then enter step F3；If it is not, then entering step F4；
Step F3, judgement now turns the amount of money whether within the scope of the trading limit of setting, if it is, entering step F4；Such as
Fruit is no, then terminates process；
Step F4, incoming the showing of judgement turn mark whether with set meal define in summary table now to turn mark identical, if it is,
Enter step F5；If it is not, then terminating process；
Step F5, judge whether channel is effective according to incoming channel mark and (include: 1, if it is electronic channel, then pass
The channel mark entered cannot be T, and if T, then explanation is invalid；2, if it is by all kinds of means or single channel, then according to incoming canal
Road mark+set meal number defines the data read in register from set meal must be consistent；3, it if it is full channel, does not then need
Verify channel validity), if it is valid, entering step F6；If invalid, terminate process；
Step F6, judge that set meal defines the preferential type in summary table, and if preferential type be every exempt from proportion or
Person every is exempted from by the amount of money, is calculated every and is exempted from the amount of money=exempt from amount of money * ratio or exempt from the amount of money, and enters step F8；
If preferential type is to exempt from by total stroke count or exempt from by total amount, F7 is entered step；
Step F7, judge set meal using summary sheet current period record in the presence or absence of surplus (in the specific implementation, if it is
By all kinds of means and each channel is individually preferential, uses summary sheet with the channel number positioning set meal in set meal number and interface；If
It is by all kinds of means and each channel adds up to preferential, set meal is positioned with set meal number+channel number 9 and uses summary sheet；If it is electronics canal
Road positions set meal with set meal number+channel number 8 and uses summary sheet；It is fixed with set meal number+channel number 7 if it is full channel
Position set meal uses summary sheet), if had a margin, enter step F8；If terminating process without surplus；
Step F8, update set meal using summary sheet exempt from total stroke count surplus, exempt from total amount surplus, exempted from total stroke count or
Person has exempted from total amount, and writes set meal use bill；Meanwhile the amount of money and advance (shenglvehao)for another mark are exempted from by the return of API output interface.
In conclusion the present invention has the advantage that 1, devise define summary table including set meal, set meal defines register,
Account and set meal signing contingency table and set meal use the service charge set meal module of summary sheet, make it possible to achieve quick configuration
The service charge mode of customer deposit account, so as to realize the parametrization management of service charge set meal well；At the same time it can also logical
Parameter configuration is crossed come the independent assortment of the service charge set meal under realizing by all kinds of means, and supports to customize service valence according to corporate organization
Lattice, this is conducive to the marketing management of bank；
2, the unified API for devising the calculating of core service charge, calls multiple transaction of core inner jointly；
3, set meal scheduled mode is devised, allows to realize the upper of service charge set meal by the surplus of current period and next period
Phase carries down and next period pre-generatmg.
Although specific embodiments of the present invention have been described above, those familiar with the art should be managed
Solution, we are merely exemplary described specific embodiment, rather than for the restriction to the scope of the present invention, it is familiar with this
The technical staff in field should be covered of the invention according to modification and variation equivalent made by spirit of the invention
In scope of the claimed protection.
Claims (9)
1. a kind of service charge set meal implementation method of bank core savings account, it is characterised in that: the described method includes:
Step S1, it establishes and defines summary table for saving the set meal of set meal essential information, establish for saving set meal in different channels
Under the set meal of managing detailed catalogue define register, establish account and set meal for saving account contract signing relationship and contract contingency table,
And the set meal established for saving the preferential surplus of service charge uses summary sheet；
Step S2, summary table is defined using the set meal of foundation and set meal defines register and defines service charge set meal, utilize account and set
Meal signing contingency table contracts to the service charge set meal that client needs；And when next phase service charge set meal time started arrives
Night, next period service charge set meal is automatically generated to signed client；Meanwhile next period service charge set meal is contracted or generated in client
When, initialization process is carried out using summary sheet to set meal.
2. a kind of service charge set meal implementation method of bank core savings account according to claim 1, it is characterised in that:
The method also includes:
Step S3, bank withhold in batches using service fee of the night to the service charge set meal of signing account；
Step S4, set meal use bill is established；It trades to banking on-line, the unified API for calling core service charge to calculate obtains
Corresponding service charge reduces or remits the amount of money；
Wherein step S3 and step S4 in no particular order sequence.
3. a kind of service charge set meal implementation method of bank core savings account according to claim 2, it is characterised in that:
In the step S1, it includes following field that the set meal, which defines summary table: set meal number, currency type, package price, set meal priority
Not, set meal illustrates description, in the set meal period, channel type, the preferential mode of channel, now turns to indicate, exempts from mode, bank of deposit's advance (shenglvehao)for another mark
Will, client's property, rank, preferential type, set meal surplus whether the amount carried forward, whether limit, trading limit, the package price upper limit,
Package price lower limit, set meal enable mark, maintenance mechanism, maintenance teller, maintenance dates and reserved field；
It includes following field that the set meal, which defines register: set meal number, channel mark exempt from total stroke count, exempt from total amount, is every
Pen exempts from ratio and every is exempted from the amount of money；
The account and set meal signing contingency table include being described below: account, ownership mechanism, set meal number, set meal priority level,
Whether whether package price the effective date, the Expiration Date, continue automatically, continue issue, come into force, date of withholing, initialization day
Phase, maintenance mechanism, maintenance teller and maintenance dates；
The set meal using summary sheet include be described below: the preferential time limit, time limit unit, account, ownership mechanism, set meal number,
Set meal priority level, channel mark exempt from total stroke count surplus, exempt from total amount surplus, balance brought forward stroke count, balance brought forward gold
Volume has exempted from total stroke count, has exempted from total amount and mark of carrying down；
In the step S4, the set meal use bill includes being described below: account, ownership mechanism, set meal number, transaction
Date, commission amount, exempts from the amount of money, transaction code, former transaction journal number and memo field at transaction channel.
4. a kind of service charge set meal implementation method of bank core savings account according to claim 3, it is characterised in that:
It is described using the set meal established to define summary table and set meal defines register to define service charge set meal specific in the step S2
Are as follows:
Step A1, each site defines in set meal and fills in set meal essential information in summary table and define service charge set meal, and by the hand of definition
The state of set meal of continuing to pay dues is set as not enabled；
Step A2, it obtains set meal and defines the definition in summary table to channel type and the preferential mode of channel, if the channel kind of definition
Class be by all kinds of means and the preferential mode of channel to be that each channel adds up to preferential, then define what write-in in register was inputted by cabinet face toward set meal
The record of each channel, while the note that the channel number that one indicates total entry by all kinds of means is written in register is defined toward set meal again
Record；If the channel type of definition is by all kinds of means and the preferential mode of channel is that each channel is individually preferential, defines and register toward set meal
The record for each channel that write-in is inputted by cabinet face in book；If the channel type of definition is single channel, defines and register toward set meal
The record for the channel that write-in is inputted by cabinet face in book；If the channel type of definition is electronic channel, defines and register toward set meal
The record of the channel number of an expression electronic channel is written in book；If the channel type of definition is full channel, toward set meal
Define the record of the channel number of one full channel of expression of write-in in register；
Step A3, after the completion of the maintenance of site, the service charge set meal of definition is enabled.
5. a kind of service charge set meal implementation method of bank core savings account according to claim 3, it is characterised in that:
It is described that the service charge set meal that client needs contract specifically using account and set meal signing contingency table in the step S2
Include:
Step B1, when client needs to contract service charge set meal, judge whether service charge set meal is effective, if it is valid, into
Step B2；If invalid, terminate process；
Step B2, whether come into force after judging signing, if it is, entering step B3；If it is not, then writing account and set meal label
About contingency table, and terminate process；
Step B3, judge that set meal defines whether the package price in summary table is greater than zero, if it is, being covered according to package price
Dinner cost is withholdd, and enters step B4；If it is not, then being directly entered step B4；
Step B4, set meal is initialized using summary sheet, meanwhile, account and set meal signing contingency table are write, and terminate process.
6. a kind of service charge set meal implementation method of bank core savings account according to claim 3, it is characterised in that:
It is described that the set that next period service charge set meal includes generation next period service charge set meal is automatically generated to signed client in the step S2
Meal uses summary sheet using the set meal of summary sheet and last service charge set meal of carrying down；
The set meal for generating next period service charge set meal is specifically included using summary sheet:
Step C11, judge whether current date is that set meal defines the set meal period defined in summary table, if it is, entering step
C12；If it is not, then terminating process；
Step C12, corresponding column is established using summary sheet according to set meal, and fixed from set meal according to the data dictionary in set meal period
Corresponding data are read in adopted summary table；
Step C13, after being defined from set meal read corresponding data in summary table every time, according to ownership mechanism and set meal number from
All data is read in account and set meal signing contingency table；
Step C14, judge one by one the initialization date of all data read from account and set meal signing contingency table whether be
Current date, if it is, terminating process；If it is not, then entering step C15；
Step C15, judge the mark that comes into force that is arranged in account and set meal signing contingency table, if come into force indicate be it is deactivated, tie
Line journey；If coming into force mark to enter step C18 wait come into force；If the mark that comes into force enters step C16 to have come into force；
Step C16, judge whether be set as continuing automatically in account and set meal signing contingency table, if it is, entering step
C17, if it is not, then terminating process；
Step C17, judge whether the continuity issue being arranged in account and set meal signing contingency table is Hold, if it is,
Enter step C18；If it is not, then updating continuity issue=continuity issue -1 of account and set meal signing contingency table, enter later
Step step C18；
Step C18, set meal is initialized using summary sheet, and terminates process；
The set meal for carrying down last service charge set meal is specifically included using summary sheet:
Step C21, judge whether current date is that set meal defines the set meal period defined in summary table, if it is, entering step
C22；If it is not, then terminating process；
Step C22, set meal is read according to the data dictionary in set meal period define whether the set meal surplus being arranged in summary table is permission
Amount carried forward if it is, set meal is revised as last record using the current period recording status in summary sheet, while set meal being used
Next period recording status in summary sheet is revised as current period record, enters step C23 later；If it is not, then terminating process；
Step C23, it is recorded, and judged each using all last issues are read in summary sheet from set meal using ownership mechanism and set meal number
With the presence or absence of having a margin in last issue record, if so, then entering step C24；If nothing, it is directly entered step C25；
Step C24, the record in register is defined using account, set meal number and channel mark positioning set meal, and will be last
Surplus update to this is interim；
Step C25, last record is deleted, process is terminated.
7. a kind of service charge set meal implementation method of bank core savings account according to claim 3, it is characterised in that:
It is described that set meal is specifically included using summary sheet progress initialization process in the step S2:
Step D1, the set meal for generating corresponding service charge set meal according to the account of signed client is current to use summary sheet, and obtains set
Meal defines the definition in summary table to channel type and the preferential mode of channel, if the channel type of definition is by all kinds of means and channel is excellent
It is preferential that favour mode is that each channel adds up to, then reads each stroke count that set meal defines register with set meal number and corresponding channel number
According to；If the channel type of definition is by all kinds of means and the preferential mode of channel is that each channel is individually preferential, is numbered and read with set meal
Set meal defines each data of register；If the channel type of definition is single channel, is numbered with set meal and read set meal definition
One data of register；If the channel type of definition is electronic channel, read with set meal number and corresponding channel number
Set meal is taken to define a data of register；If the channel type of definition is full channel, with set meal number and corresponding canal
Road number reads the data that set meal defines register；
Step D2, it reads set meal and defines exempting from total stroke count or exempt from total amount in register, and write according to the data of reading
Set meal uses summary sheet.
8. a kind of service charge set meal implementation method of bank core savings account according to claim 3, it is characterised in that:
In the step S3, the bank carries out tool of withholing in batches using service fee of the night to the service charge set meal of signing account
Body includes:
Step E1, judge whether current date is that set meal defines the set meal period defined in summary table, if it is, entering step
E2；If it is not, then terminating process；
Step E2, set meal is read according to the data dictionary in the set meal period and defines each item number that package price in summary table is greater than zero
According to, meanwhile, it is to come into force or phase to be come into force to the equal associated account number of every item data of reading and set meal state in contingency table of contracting
Close data；
Step E3, judge whether the date of withholing in account and set meal signing contingency table is current date, if it is, terminating stream
Journey；If it is not, then entering step E4；
Step E4, judge to be provided that in account and set meal signing contingency table it is no for automatic continuity, if it is, entering step
E5；If it is not, then terminating process；
Step E5, judge whether the continuity issue being arranged in account and set meal signing contingency table is greater than zero, if it is, entering step
Rapid E6；If it is not, then terminating process；
Step E6, according to set meal define the package price in summary table carry out auto deduction, if withholing success, update account with
Withholing the date in set meal signing contingency table, and the state that reset condition is " wait come into force " is changed to " coming into force "；If withholing mistake
It loses, is then changed to " deactivate " by the state of account and set meal signing contingency table.
9. a kind of service charge set meal implementation method of bank core savings account according to claim 3, it is characterised in that:
Described to trade to banking on-line in the step S4, the unified API for calling core service charge to calculate obtains corresponding service charge
The deduction and exemption amount of money specifically includes:
Step F1, account, channel mark are passed into API by API input interface, now turns mark, now turn the amount of money, service charge gold
Volume and mechanism of exchange, API judge that account is with the data and state in set meal signing contingency table with the presence or absence of corresponding account
" coming into force " or " deactivated ", if it is, entering step F2；If it is not, then terminating process；
Step F2, association set meal defines summary table, and judges that set meal defines in summary table whether trading limit is arranged, if it is, into
Enter step F3；If it is not, then entering step F4；
Step F3, judgement now turns the amount of money whether within the scope of the trading limit of setting, if it is, entering step F4；If not,
Then terminate process；
Step F4, incoming the showing of judgement turn mark whether with set meal define in summary table now to turn mark identical, if it is, into
Step F5；If it is not, then terminating process；
Step F5, whether effective the incoming channel mark of basis judges channel, if it is valid, entering step F6；If invalid,
Then terminate process；
Step F6, judge that set meal defines the preferential type in summary table, and exempted from proportion or often if preferential type is every
Pen is exempted from by the amount of money, is calculated every and is exempted from the amount of money=exempt from amount of money * ratio or exempt from the amount of money, and enters step F8；If
Preferential type is to exempt from by total stroke count or exempt from by total amount, then enters step F7；
Step F7, judge that set meal is entered step with the presence or absence of surplus if had a margin using in the current period record of summary sheet
F8；If terminating process without surplus；
Step F8, set meal exempting from total stroke count surplus, exempt from total amount surplus, exempted from total stroke count or using summary sheet is updated
Exempt from total amount, and writes set meal use bill；Meanwhile the amount of money and advance (shenglvehao)for another mark are exempted from by the return of API output interface.
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|---|---|---|---|---|
| CN110415118A (en) * | 2019-07-29 | 2019-11-05 | 中国工商银行股份有限公司 | Processing method and its device, electronic equipment and medium |
| CN111178866A (en) * | 2019-12-24 | 2020-05-19 | 天阳宏业科技股份有限公司 | Account management method, device and equipment |
| CN111767526A (en) * | 2020-06-15 | 2020-10-13 | 中国建设银行股份有限公司 | Service authority control method and device |
| CN113506171A (en) * | 2021-07-28 | 2021-10-15 | 中国工商银行股份有限公司 | Bank package recommendation method and device |
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Application publication date: 20190115 |