CN109544322A - Loan commitment account information processing method and device - Google Patents
Loan commitment account information processing method and device Download PDFInfo
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- CN109544322A CN109544322A CN201811337733.9A CN201811337733A CN109544322A CN 109544322 A CN109544322 A CN 109544322A CN 201811337733 A CN201811337733 A CN 201811337733A CN 109544322 A CN109544322 A CN 109544322A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The invention discloses a kind of loan commitment account information processing method and devices, this method comprises: receiving loan commitment account information process request, the request carries loan account information；Avail value according to loan account information, before determining transaction；Avail value after transaction, according to updated loan account information, after determining transaction；According to the avail value after the avail value and transaction before transaction, avail changing value is determined；Loan commitment account information is handled according to avail changing value.The present invention, according to the i.e. recordable loan commitment account of avail changing value, can ignore transaction scene, be not in error code problem by obtaining avail changing value.Also, how this method records loan commitment account without resetting in newly-increased transaction, reduces the workload of banking system exploitation and maintenance, and operating cost is lower.
Description
Technical field
The present invention relates to financial transaction technical field more particularly to loan commitment account information processing methods and device.
Background technique
When enterprise or the personal application loan to bank, bank can grade to client, and calculate by established rule model
The accrediting amount of client has client after amount that could provide a loan.When loan comes into force, amount also comes into force therewith, and formation can use volume
Spend (i.e. loan commitment.Loan commitment refers to: bank and client signed loan agreement, and client not yet actually withdraws deposit part
The substantive credit of formation is promised to undertake), in the process of exchange of bank loan business, information processing is carried out to loan commitment account
(information processing refers to calculating account) is highly important.
The prior art is needed according to different transaction scenes (in following table when carrying out information processing to loan commitment account
Transaction content be trade scene), step by step to loan commitment data carry out information processing.Specifically, to calculate code
For 0798/0898, it see the table below:
When pattern of lending is revolving loan:
When pattern of lending is acyclic loan:
The prior art is that the variation of loan commitment is recorded based on transaction scene, and transaction is required according to trading floor each time
Scape resets how to record loan commitment account, increases the workload of banking system exploitation and maintenance, and operating cost is higher；
Also, each transaction scene requires the loan commitment computation rule for writing a set of revolving loan and acyclic loan respectively, compiles
The larger workload of code and test, the bit error rate are higher.
Summary of the invention
The embodiment of the present invention provides a kind of loan commitment account information processing method, to reduce banking system exploitation and dimension
The workload and operating cost of shield, while error code problem is avoided the occurrence of, this method comprises:
Loan commitment account information process request is received, the request carries loan account information；
Avail value according to loan account information, before determining transaction；
Avail value after transaction, according to updated loan account information, after determining transaction；
According to the avail value after the avail value and transaction before transaction, avail changing value is determined；
Loan commitment account information is handled according to avail changing value.
Optionally, avail value is determined as follows:
According to loan account information, determines pattern of lending and promise to undertake the amount of money；
It according to pattern of lending and promises to undertake the amount of money, determines avail value.
Optionally, according to pattern of lending and the promise amount of money, avail value is determined, comprising:
When pattern of lending is revolving loan, loan balance is determined according to loan account information, will promise to undertake the amount of money and loan
The difference of remaining sum is determined as avail value.
Optionally, according to pattern of lending and the promise amount of money, avail value is determined, comprising:
When pattern of lending is acyclic loan, loan balance is determined according to loan account information, the amount of money will be promised to undertake and puts
The difference of money remaining sum is determined as avail value.
The embodiment of the invention provides a kind of loan commitment account information processing unit, to reduce banking system exploitation and
The workload and operating cost of maintenance, while error code problem is avoided the occurrence of, which includes:
Information receiving module, for receiving loan commitment account information process request, the request carries loan account letter
Breath；
First amount of money computing module, for the avail value according to loan account information, before determining transaction；
Second amount of money computing module, for according to updated loan account information, determining after trading after transaction
Avail value；
Account calculates module, for determining available according to the avail value after the avail value and transaction before transaction
Amount of money changing value；
Account message processing module, for handling loan commitment account information according to avail changing value.
Optionally, avail value is determined as follows:
According to loan account information, determines pattern of lending and promise to undertake the amount of money；
It according to pattern of lending and promises to undertake the amount of money, determines avail value.
Optionally, according to pattern of lending and the promise amount of money, avail value is determined, comprising:
When pattern of lending is revolving loan, loan balance is determined according to loan account information, will promise to undertake the amount of money and loan
The difference of remaining sum is determined as avail value.
Optionally, according to pattern of lending and the promise amount of money, avail value is determined, comprising:
When pattern of lending is acyclic loan, loan balance is determined according to loan account information, the amount of money will be promised to undertake and puts
The difference of money remaining sum is determined as avail value.
The embodiment of the present invention also provides a kind of computer equipment, including memory, processor and storage are on a memory simultaneously
The computer program that can be run on a processor, the processor realize the above method when executing the computer program.
The embodiment of the present invention also provides a kind of computer readable storage medium, and the computer-readable recording medium storage has
Execute the computer program of the above method.
In the embodiment of the present invention, counted respectively by establishing avail calculation formula, and using avail calculation formula
The avail of transaction front and back is calculated, avail changing value is obtained, according to the i.e. recordable loan commitment account of avail changing value
Business, it is easy to operate, transaction scene can be ignored, be not in error code problem.Also, method provided by the present application is in newly-increased transaction
When, loan commitment account how is recorded without resetting, reduces the workload of banking system exploitation and maintenance, operating cost
It is lower.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.In the accompanying drawings:
Fig. 1 is the flow diagram of loan commitment account information processing method in the embodiment of the present invention；
Fig. 2 is the schematic diagram of loan commitment account information processing unit in the embodiment of the present invention.
Specific embodiment
Understand in order to make the object, technical scheme and advantages of the embodiment of the invention clearer, with reference to the accompanying drawing to this hair
Bright embodiment is described in further details.Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but simultaneously
It is not as a limitation of the invention.
When enterprise or the personal application loan to bank, bank can grade to client, and calculate by established rule model
The accrediting amount of client has client after amount that could provide a loan.When loan comes into force, amount also comes into force therewith, and formation can use volume
Spend (i.e. loan commitment.Loan commitment refers to: bank and client signed loan agreement, and client not yet actually withdraws deposit part
The substantive credit of formation is promised to undertake), in the process of exchange of bank loan business, information processing is carried out to loan commitment account
(information processing refers to calculating account) is highly important.
The prior art is needed according to different transaction scenes (in following table when carrying out information processing to loan commitment account
Transaction content be trade scene), step by step to loan commitment data carry out information processing, it is in the process, each
Secondary transaction requires to reset how to record loan commitment account according to transaction scene, i.e., transaction requires to write one each time
The loan commitment computation rule for covering revolving loan and acyclic loan increases the workload of banking system exploitation and maintenance, makees
Industry higher cost；Also, since each transaction scene requires the loan for writing a set of revolving loan and acyclic loan respectively
Promise to undertake computation rule, the larger workload of coding and test, this will lead to bit error rate height.
Of the existing technology in order to solve the problems, such as, the embodiment of the invention provides a kind of loan commitment account information processings
Method, as shown in Fig. 1, this method comprises:
Step 101 receives loan commitment account information process request, and the request carries loan account information.
Step 102, the avail value according to loan account information, before determining transaction.
Step 103, avail value after transaction, according to updated loan account information, after determining transaction.
Step 104, the avail value according to the avail value before transaction and after trading, determine that avail changes
Value.
Step 105 handles loan commitment account information according to avail changing value.
In the embodiment of the present invention, counted respectively by establishing avail calculation formula, and using avail calculation formula
The avail of transaction front and back is calculated, avail changing value is obtained, according to the i.e. recordable loan commitment account of avail changing value
Business, it is easy to operate, transaction scene (i.e. without coding) can be ignored, be not in error code problem.Also, side provided by the present application
Method only need to determine avail changing value in newly-increased transaction, without coding, how record loan commitment account without resetting
Business, reduces the workload of banking system exploitation and maintenance, and operating cost is lower.
In order to correctly calculate avail according to the difference of pattern of lending, in embodiments of the present invention, by such as lower section
Formula determines avail value:
According to loan account information, determines pattern of lending and promise to undertake the amount of money；
It according to pattern of lending and promises to undertake the amount of money, determines avail value.
Specifically, according to pattern of lending and the promise amount of money, avail value is determined, comprising:
When pattern of lending is revolving loan, loan balance is determined according to loan account information, will promise to undertake the amount of money and loan
The difference of remaining sum is determined as avail value.
When pattern of lending is acyclic loan, loan balance is determined according to loan account information, the amount of money will be promised to undertake and puts
The difference of money remaining sum is determined as avail value.
Below for calculating code 0798/0898, specifically it see the table below:
When pattern of lending is revolving loan:
When pattern of lending is acyclic loan:
Because bank's account using "-" expression borrow, "+" indicate borrow, therefore avail changing value be negative when, indicate to borrow
0798；When avail changing value is positive number, indicate to borrow 0798.It can be seen that the present invention can ignore transaction scene, only root
Avail changing value is calculated according to transaction front and back account information, i.e., recordable loan commitment account information.
After handling loan commitment account information according to avail changing value, processing result can be fed back to requesting party's end
End, subsequent virtual bench can be realized by server.
Based on the same inventive concept, a kind of loan commitment account information processing unit is additionally provided in the embodiment of the present invention,
As described in the following examples.The principle and loan commitment account solved the problems, such as due to loan commitment account information processing unit is believed
Breath processing method is similar, and therefore, the implementation of loan commitment account information processing unit may refer at loan commitment account information
The implementation of reason method, overlaps will not be repeated.Used below, predetermined function may be implemented in term " unit " or " module "
The combination of the software and/or hardware of energy.It is hard although device described in following embodiment is preferably realized with software
The realization of the combination of part or software and hardware is also that may and be contemplated.
The embodiment of the invention provides a kind of loan commitment account information processing units, as shown in Fig. 2, the device packet
It includes:
Information receiving module 201, for receiving loan commitment account information process request, the request carries loan account
Information；
First amount of money computing module 202, for the avail value according to loan account information, before determining transaction；
Second amount of money computing module 203, for according to updated loan account information, determining and handing over after transaction
Avail value after easily；
Account calculates module 204, for according to the avail value after the avail value and transaction before transaction, determination can
With amount of money changing value；
Account message processing module 205, for handling loan commitment account information according to avail changing value.
In embodiments of the present invention, avail value is determined as follows:
According to loan account information, determines pattern of lending and promise to undertake the amount of money；
It according to pattern of lending and promises to undertake the amount of money, determines avail value.
Further, according to pattern of lending and the promise amount of money, avail value is determined, comprising:
When pattern of lending is revolving loan, loan balance is determined according to loan account information, will promise to undertake the amount of money and loan
The difference of remaining sum is determined as avail value.
When pattern of lending is acyclic loan, loan balance is determined according to loan account information, the amount of money will be promised to undertake and puts
The difference of money remaining sum is determined as avail value.
The embodiment of the invention also provides a kind of computer equipments, including memory, processor and storage are on a memory
And the computer program that can be run on a processor, the processor realize the above method when executing the computer program.
The embodiment of the invention also provides a kind of computer readable storage medium, the computer-readable recording medium storage
There is the computer program for executing the above method.
In the embodiment of the present invention, counted respectively by establishing avail calculation formula, and using avail calculation formula
The avail of transaction front and back is calculated, avail changing value is obtained, according to the i.e. recordable loan commitment account of avail changing value
Business, it is easy to operate, transaction scene can be ignored, be not in error code problem.Also, method provided by the present application is in newly-increased transaction
When, loan commitment account how is recorded without resetting, reduces the workload of banking system exploitation and maintenance, operating cost
It is lower.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more,
The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces
The form of product.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Particular embodiments described above has carried out further in detail the purpose of the present invention, technical scheme and beneficial effects
Describe in detail it is bright, it should be understood that the above is only a specific embodiment of the present invention, the guarantor being not intended to limit the present invention
Range is protected, all within the spirits and principles of the present invention, any modification, equivalent substitution, improvement and etc. done should be included in this
Within the protection scope of invention.
Claims (10)
1. a kind of loan commitment account information processing method characterized by comprising
Loan commitment account information process request is received, the request carries loan account information；
Avail value according to loan account information, before determining transaction；
Avail value after transaction, according to updated loan account information, after determining transaction；
According to the avail value after the avail value and transaction before transaction, avail changing value is determined；
Loan commitment account information is handled according to avail changing value.
2. the method as described in claim 1, which is characterized in that determine avail value as follows:
According to loan account information, determines pattern of lending and promise to undertake the amount of money；
It according to pattern of lending and promises to undertake the amount of money, determines avail value.
3. method according to claim 2, which is characterized in that it according to pattern of lending and promises to undertake the amount of money, determines avail value,
Include:
When pattern of lending is revolving loan, loan balance is determined according to loan account information, will promise to undertake the amount of money and loan balance
Difference be determined as avail value.
4. method according to claim 2, which is characterized in that it according to pattern of lending and promises to undertake the amount of money, determines avail value,
Include:
When pattern of lending is acyclic loan, loan balance is determined according to loan account information, will promise to undertake the amount of money and is made loans remaining
The difference of volume is determined as avail value.
5. a kind of loan commitment account information processing unit characterized by comprising
Information receiving module, for receiving loan commitment account information process request, the request carries loan account information；
First amount of money computing module, for the avail value according to loan account information, before determining transaction；
Second amount of money computing module, for after transaction, according to updated loan account information, after determining transaction can
With amount of money value；
Account calculates module, for determining avail according to the avail value after the avail value and transaction before transaction
Changing value；
Account message processing module, for handling loan commitment account information according to avail changing value.
6. device as claimed in claim 5, which is characterized in that determine avail value as follows:
According to loan account information, determines pattern of lending and promise to undertake the amount of money；
It according to pattern of lending and promises to undertake the amount of money, determines avail value.
7. device as claimed in claim 6, which is characterized in that it according to pattern of lending and promises to undertake the amount of money, determines avail value,
Include:
When pattern of lending is revolving loan, loan balance is determined according to loan account information, will promise to undertake the amount of money and loan balance
Difference be determined as avail value.
8. device as claimed in claim 6, which is characterized in that it according to pattern of lending and promises to undertake the amount of money, determines avail value,
Include:
When pattern of lending is acyclic loan, loan balance is determined according to loan account information, will promise to undertake the amount of money and is made loans remaining
The difference of volume is determined as avail value.
9. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor
Calculation machine program, which is characterized in that the processor realizes any side of Claims 1-4 when executing the computer program
Method.
10. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage has perform claim
It is required that the computer program of 1 to 4 any the method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811337733.9A CN109544322B (en) | 2018-11-12 | 2018-11-12 | Loan acceptance financial information processing method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811337733.9A CN109544322B (en) | 2018-11-12 | 2018-11-12 | Loan acceptance financial information processing method and device |
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| Publication Number | Publication Date |
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| CN109544322A true CN109544322A (en) | 2019-03-29 |
| CN109544322B CN109544322B (en) | 2021-08-20 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201811337733.9A Active CN109544322B (en) | 2018-11-12 | 2018-11-12 | Loan acceptance financial information processing method and device |
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2018
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| CN101841805A (en) * | 2009-03-18 | 2010-09-22 | 中国移动通信集团公司 | Card writing operation processing and synchronizing method of electronic card and relevant equipment |
| CN101799954A (en) * | 2009-11-20 | 2010-08-11 | 北京飞天诚信科技有限公司 | Method for loading double electronic purses |
| CN102479353A (en) * | 2010-11-26 | 2012-05-30 | 金蝶软件（中国）有限公司 | Method and device for generating reimbursement list by using credit card in enterprise resource planning (ERP) system and ERP system |
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