CN111311395A - Management system, method, equipment and storage medium for public accumulation fund repayment business - Google Patents
Management system, method, equipment and storage medium for public accumulation fund repayment business Download PDFInfo
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Abstract
The embodiment of the invention discloses a management system, a method, equipment and a storage medium for a public accumulation fund hedge and repayment service, wherein the system comprises the following steps: the system comprises an information storage module, a process engine, an execution engine and a fund clearing module, wherein the information storage module is used for storing the money liquidation and repayment information of the public accumulation; the process engine is used for determining the public deposit fund charging and repaying process of the principal corresponding to the principal parameter according to the repaying mode parameter, the repaying account parameter and the public deposit fund drawing contract; the execution engine is used for carrying out the public accumulation fund payment according to the public accumulation fund payment procedure and outputting the execution results of each step of the public accumulation fund payment procedure; and the fund clearing module is used for clearing the fund according to the execution result. According to the technical scheme of the embodiment of the invention, the joint operation and automation of the deposit and withdrawal process are realized through the configuration of parameterization and process customization, the complexity of transaction links and business operation is greatly reduced, and the business processing efficiency is improved.
Description
Technical Field
The embodiment of the invention relates to the technical field of public deposit repayment, in particular to a management system, a method, equipment and a storage medium for public deposit cash flow repayment business.
Background
Housing accumulation fund is a long-term housing deposit, and the use of a housing accumulation fund loan form for individual housing loan is a popular choice for the public.
When the accumulation fund payment and repayment service is processed, a plurality of platforms such as an accumulation fund center and a loan bank are often involved, all the platforms are in a splitting state, and the service aspect and the technical aspect are mutually independent, so that the accumulation fund payment and repayment service has a long transaction path and a plurality of intermediate links, and further, the processing efficiency is low and the timeliness is poor.
Disclosure of Invention
The invention provides a management system, a method, equipment and a storage medium for a public accumulation fund charging and repaying service, provides an integration and integration system for the public accumulation fund charging and repaying service, realizes the automatic operation of the public accumulation fund charging and repaying service, and improves the processing efficiency of the public accumulation fund charging and repaying service.
In a first aspect, an embodiment of the present invention provides a management system for a public accumulation fund making and repaying service, the system includes an information storage module, a process engine, an execution engine, and a fund clearing module, wherein,
the information storage module is used for storing the public deposit money charging and repaying information, wherein the public deposit money charging and repaying information comprises an offeror parameter, a repaying mode parameter, a repaying account parameter and a public deposit money drawing contract;
the process engine is used for determining the public deposit fund making and repaying process of the client corresponding to the client parameter according to the repaying mode parameter, the repaying account parameter and the public deposit fund drawing contract;
the execution engine is used for carrying out the public accumulation fund payment according to the public accumulation fund payment flow and outputting the execution results of each step of the public accumulation fund payment flow;
and the fund clearing module is used for clearing the fund according to the execution result.
In a second aspect, an embodiment of the present invention further provides a method for managing a public accumulation fund repayment service, where the method includes:
the method comprises the steps that public deposit money charging and repaying information is stored through an information storage module, wherein the public deposit money charging and repaying information comprises consignor parameters, repaying mode parameters, repaying account parameters and public deposit money drawing contracts;
determining a public deposit fund charging and repaying process of the principal corresponding to the principal parameter according to the repaying mode parameter, the repaying account parameter and the public deposit fund drawing contract by a process engine;
carrying out the public accumulation fund payment and repayment according to the public accumulation fund payment and repayment flow through an execution engine, and outputting an execution result of each step of the public accumulation fund payment and repayment flow;
and clearing the fund according to the execution result through a fund clearing module.
In a third aspect, an embodiment of the present invention further provides a device for making a hedge fund repayment, including:
one or more processors;
a memory for storing one or more programs;
when the one or more programs are executed by the one or more processors, the one or more processors implement the method for managing the hedge loan service provided by any embodiment of the invention.
In a fourth aspect, an embodiment of the present invention further provides a storage medium containing computer-executable instructions, where the computer-executable instructions are executed by a computer processor to perform a method for managing a public accumulation fund hedge and loan service provided in any embodiment of the present invention.
According to the technical scheme of the embodiment of the invention, the public deposit money charging and returning process is customized according to the information stored by the information storage module through the process engine, and each returning process is executed by the execution engine, so that the automatic customization and integrated execution of the public deposit money charging and returning are realized, and the fund clearing module is used for clearing the fund according to the execution result, so that an integrated automatic system of the public deposit money charging and returning service is formed, the transaction links are greatly reduced, the service processing time and the complexity of service operation are reduced, and the service processing efficiency is improved.
Drawings
Fig. 1 is a schematic structural diagram of a management system of a public accumulation fund credit and debit service in an embodiment of the present invention;
fig. 2 is a schematic structural diagram of a management system of the public accumulation fund hedge and loan transaction service in the second embodiment of the present invention;
fig. 3 is a flowchart of a method for managing the credit and debit service according to a third embodiment of the present invention;
fig. 4 is a schematic structural diagram of a public accumulation fund payment apparatus according to a fourth embodiment of the present invention.
Detailed Description
The housing accumulation fund is a housing guarantee system and a form of housing distribution monetization. After the personal housing loan is established, the borrower makes a business action of making a return for the loan in the local city with the fund of the public accumulation fund account in the local city, which is called the making and return loan for short.
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures.
Example one
Fig. 1 is a schematic structural diagram of a management system of a public accumulation fund payment and loan transaction service in an embodiment of the present invention, and as shown in fig. 1, the management system of the public accumulation fund payment and loan transaction service includes: an information storage module 110, a flow engine 120, an execution engine 130, and a funds clearing module 140.
The information storage module 110 is configured to store the public deposit fund payment and repayment information, where the public deposit fund payment and repayment information includes a principal parameter, a repayment mode parameter, a repayment account parameter, and a public deposit fund drawing contract; the process engine 120 is configured to determine, according to the repayment mode parameter, the repayment account parameter, and the public deposit acquisition contract, a public deposit fund repayment process of the principal corresponding to the principal parameter; the execution engine 130 is used for carrying out the public accumulation fund payment according to the public accumulation fund payment flow and outputting the execution results of each step of the public accumulation fund payment flow; the fund clearing module 140 is used for clearing the fund according to the execution result.
The client parameter is used to indicate the identity information of the client, and may be a client account number, a client number, or the like, and the client may be each housing public deposit management center (referred to as a public deposit center or center for short), such as beijing public deposit center, tianjin public deposit center, shanghai public deposit center, or other public deposit centers. The loan repayment mode parameter is used to indicate a mode of loan repayment, such as a reimbursement mode, a direct repayment mode, or other modes. The repayment account number parameters comprise parameters of bank accounts used for repayment, repayment modes, repayment sequences and the like. The money payment contract is also called housing money extraction agreement and is mainly used for describing the repayment mode of the money and overdue related processing method of the money agreed by the money lending parties.
Of course, the public deposit fund credit and debit information in the information storage module 110 may include only the public deposit fund drawing contract. Correspondingly, the process engine 120 is configured to automatically identify an offeror parameter, a repayment mode parameter, and a repayment account parameter according to the public deposit acquisition contract, and determine an offeror's public deposit cash repayment process corresponding to the offeror parameter according to the repayment mode parameter and the repayment account parameter. By adopting the arrangement, the automation degree of the system is improved.
However, considering the security of the public deposit fund making and repayment service, information such as a principal parameter, a repayment mode parameter, and a repayment account parameter needs to be recorded into the information storage module.
Specifically, the information storage module 110 may be configured to obtain the public deposit payment contract, identify an offeror parameter, a repayment mode parameter, and a repayment account parameter according to the public deposit payment contract, confirm the identified offeror parameter, repayment mode parameter, and repayment account parameter by a relevant person, and store the offeror parameter, the repayment mode parameter, the repayment account parameter, and the public deposit payment contract in the information storage module 110 after confirming that the agreement is correct.
Optionally, the flow engine 120 is specifically configured to:
determining a public deposit repayment mode and a repayment account number according to the repayment mode parameters and the repayment account number parameters; verifying the public deposit repayment mode and the repayment account number according to the public deposit payment contract; and if the verification is passed, determining the public deposit hedge repayment flow of the principal corresponding to each principal parameter according to the public deposit repayment mode and the repayment account.
The mode of repayment of the public deposit is mainly divided into two modes, namely an account-reporting mode and a direct-returning mode according to the repayment mode. The direct-charging repayment mode is to directly return the loan after the payment of the customer's accumulation fund account, and is currently divided into two types, namely periodic (mainly monthly) payback and balance payback. The mode of account-reporting repayment is that the client returns the loan, the system transfers the equal amount of money from the accumulation account to the personal account according to the repayment amount of the client, similar to the batch payment service, and the current mode is mainly divided into several types according to the month, half year, year and the like according to the account-reporting frequency. The public accumulation fund repayment mode can be divided into a central signing mode and a bank signing mode according to a signing mode, the central signing mode, namely the charging repayment signing information, is signed at a public accumulation fund center, and the bank signing mode indicates that a bank signs. The accumulation fund repayment mode can be divided into a central collection mode and a bank collection mode according to a collection system, the collection system is mainly used for business management and accounting of collection, extraction, use and the like of housing accumulation fund and housing subsidy, the central collection mode is that the collection system is deployed in an accumulation fund center, and the bank collection mode is that the system is deployed in a bank. Different signing modes and collecting systems are adopted, so that the business process of the deposit fund repayment can be different.
Optionally, the deposit and withdrawal mode includes an account-reporting mode, a direct return mode, a hybrid mode and a user-defined mode. The mixed mode is a mixture of an account-reporting mode and a direct return mode.
Specifically, the process engine 120 obtains the principal parameter, the repayment mode parameter, and the repayment account parameter of the information storage module 110, verifies the principal parameter, the repayment mode parameter, and the repayment account parameter according to the public deposit payment contract, determines the principal according to the principal parameter after the verification is passed, determines each repayment account participating in the repayment according to the repayment account parameter, determines the repayment mode of the public deposit payment repayment according to the repayment mode parameter, and further determines the repayment process according to the principal, the repayment account, and the repayment mode.
Further, the repayment account parameter may also include a repayment order or priority.
Optionally, the flow engine 120 is further configured to:
and determining the repayment sequence of each repayment account according to the public deposit payment contract, and determining the public deposit cash flow of the client corresponding to each client parameter according to the repayment sequence and the repayment mode.
Further, the system for managing the public accumulation fund repayment service further comprises:
and the default repayment module is used for storing the repayment processes of the default repayment modes.
The default loan mode is a loan mode that is set by the system and can be selected by the client (user).
Further, the default loan mode may also include a user-defined mode for storing user-or principal-defined loan modes.
Specifically, after the verification is passed, the process engine 120 may determine the repayment mode and the corresponding earmark liquidation and repayment process from the default repayment mode according to the repayment mode parameter.
For example, table 1 is a default loan repayment mode table provided in the first embodiment of the present invention, as shown in table 1, each default loan repayment mode further corresponds to a unique mode number (loan repayment mode parameter), and the numbers shown in table 1 are only used as examples, and may be numbered in other manners, which is not limited herein. Eight default loan repayment modes and one modifiable mode are provided in table 1, including account-based loan repayment modes and direct loan repayment modes for different subscription and aggregation systems. The revisable mode indicates that the repayment mode is a revisable mode, and the repayment mode can be revised according to the revise instruction in the subsequent repayment process. Of course, the money loan repayment mode may also include other modes, which are not limited in the embodiment of the present invention.
TABLE 1 Default loan repayment mode Table
| Pattern numbering | Pattern content |
| 001 | The bank account-reporting formula: the bank side signing and collecting system is deployed in the bank |
| 002 | The first mixed account-posting formula: the bank side signing and collecting system is deployed in the center |
| 003 | The central account-reporting formula: the accumulation fund center signs a contract, and the collecting system is deployed in the center |
| 004 | The second mixed account-reporting formula: the central signing and collecting system is deployed in the bank |
| 005 | The bank directly returns the formula: the bank side signing and collecting system is deployed in the bank |
| 006 | A first mixing straight-returning formula: the bank side signing and collecting system is deployed in the center |
| 007 | The center is directly still formula: the accumulation fund center signs a contract, and the collecting system is deployed in the center |
| 008 | A second mixed direct reduction formula: the central signing and collecting system is deployed in the bank |
| 009 | Modifiable modes |
Specifically, the execution engine 130 may be designed by using an asynchronous task execution framework, and executes according to each step in the loan repayment process, and returns an execution result or a processing status.
Taking direct-return type cash-back (central contract, bank collection) as an example, the cash-back process includes:
s1: starting the punching repayment, and starting successfully;
s2: acquiring a signing file, acquiring and verifying a public accumulation fund center signing file, wherein the verification is successful;
s3: converting the signing file successfully;
s4: generating a pickup file according to the converted signing file, wherein the generation is successful;
s5: sending the drawing file to a bank collection system, and waiting for a drawing result file to be sent successfully;
s6: receiving the result file of the accumulation fund payment, and successfully receiving;
s7: generating a repayment request file, wherein the generation is successful;
s8: sending the repayment request to a loan system, and waiting for a repayment result file to be sent successfully;
s9: and receiving the repayment result file, converting and storing the repayment result file, successfully receiving, generating a cash repayment success list and finishing the processing.
It should be understood that the above processes can be automatically executed by the execution engine 130, and when a step is abnormal or unsuccessful, a corresponding prompt can be made, such as generating a list of credit and debit failures, and notifying the relevant personnel to perform an intervention.
Specifically, the fund clearing module 140 is specifically configured to, when receiving the repayment result file, perform fund clearing for the principal's public deposit fund repayment according to the repayment result file or the successful list of the repayment.
According to the technical scheme of the embodiment of the invention, the public deposit money charging and returning process is customized according to the information stored by the information storage module through the process engine, and each returning process is executed by the execution engine, so that the automatic customization and integrated execution of the public deposit money charging and returning are realized, and the fund clearing module is used for clearing the fund according to the execution result, so that an integrated automatic system of the public deposit money charging and returning service is formed, the transaction links are greatly reduced, the service processing time and the complexity of service operation are reduced, and the service processing efficiency is improved.
Example two
Fig. 2 is a schematic structural diagram of a management system of a public accumulation fund hedge and loan service in an embodiment of the present invention, which is a refinement and supplement of the embodiment of the present invention, and the management system of the public accumulation fund hedge and loan service provided in the embodiment of the present invention further includes: a report module and a mode modification interface.
As shown in fig. 2, the system for managing the public accumulation fund repayment service includes: an information storage module 210, a flow engine 220, an asynchronous task execution unit 230, a service composition unit 240, a reporting module 250, and a mode modification interface 260.
The information storage module 210 is configured to store the public deposit fund payment and repayment information, where the public deposit fund payment and repayment information includes a principal parameter, a repayment mode parameter, a repayment account parameter, and a public deposit fund drawing contract; the process engine 220 is configured to determine, according to the repayment mode parameter, the repayment account parameter, and the public deposit acquisition contract, a public deposit fund repayment process of the principal corresponding to the principal parameter; an asynchronous task execution unit 230, configured to execute, in parallel, each step of the public deposit loan repayment flow of each principal in an asynchronous execution manner, and output an execution result of each step; a service combination unit 240, configured to combine, according to the principal parameter, each step of the public deposit loan repayment process and an execution result thereof; a report module 250, configured to generate a loan report, a report for the public deposit payment, and a capital flow of the principal according to the principal parameter and the execution result of each step of the public deposit hedge-repayment flow; and the mode modification interface 260 is used for modifying the repayment mode parameter according to a user instruction and sending the repayment mode parameter to the information storage module.
The reporting module 250 is specifically configured to generate a loan report, a credit balance report, and a capital flow of the principal according to the impulse repayment success result file or the impulse repayment failure result file. During the execution process of each step of the public deposit fund charging and repaying, detail files related to repayment are generated to record information such as repayment amount and time, and further, a loan statement, a public deposit fund supporting statement and fund flow can be generated according to the detail files, so that a client can know the charging and repaying or verify related services conveniently. The mode modification interface 260 is mainly used for the case that the repayment mode parameter of the public accumulation fund selected by the principal is in a modifiable mode, and before the repayment is started, the repayment mode parameter can be determined according to the mode instruction of the principal, and the repayment mode parameter is generated to the information storage module 210. By setting the mode modification interface, the mode switching of the public accumulation fund repayment process is realized, more repayment schemes are provided for users, and the user experience is improved.
Specifically, the front end of the management system of the public accumulation fund hedge and loan transaction can be realized by using easy UI technology, and the back end is developed based on a J2EE platform. Of course, other technologies or platforms may be used for system development, and the embodiment of the present invention is not limited thereto.
Specifically, the asynchronous task execution unit 230 implements asynchronous parallel execution of each step based on an asynchronous task execution framework, which may be a framework built based on Spring.
Since the system will process several flows of the same deposit of one or several clients at the same time, it needs to combine the flows of the same deposit of the same client via the service combination unit 240, and can combine the services or steps according to the client number to form a complete flow of the deposit and the execution results of each step.
Specifically, during the process of executing the deposit fund, the asynchronous task execution unit 230 may also implement scheduling of tasks of each step through the task automatic scheduling framework, so as to execute the corresponding step. The task automatic scheduling framework is used for sending or receiving corresponding files or data according to the scheduling party involved in the step.
Further, in order to realize data interaction among the three parties of the public accumulation fund center, the banking system (loan system) and the collecting system, the management system of the public accumulation fund repayment business further comprises: the system comprises a transaction route, an online adaptation interface and a file transmission interface, wherein the transaction route is used for determining a service path related to each step; the online adaptive interface is in communication connection with the public accumulation fund center, the bank system (loan system) and the collecting system so as to carry out data interaction in each system, and barrier-free interaction among different systems is realized by converting the data into a readable format of the system; and the file transmission interface is used for receiving and transmitting related files among the steps executed by the service.
Specifically, each file involved in the credit and debit transaction can be defined in a standardized manner, and a unique machine-recognizable code is generated for each file, so that the system can conveniently recognize the file to determine information such as a conversion format, a route and a receiver of the file.
According to the technical scheme of the embodiment of the invention, the public accumulation fund charging and repaying process is customized according to the information stored by the information storage module through the process engine, the asynchronous and automatic execution of each service is realized by the asynchronous task execution unit of the execution engine, the processing efficiency of the service is improved, the service combination is realized through the service combination unit of the execution engine to form the complete process and the execution result of the service, and the automatic customization and integrated execution of the public accumulation fund charging and repaying are realized; the fund clearing module is used for clearing the fund according to the execution result, and the reporting module is used for generating a loan report, a public deposit payment report and a fund flow of the client according to the execution result so that the client can know the business flow and can check the business flow; an integrated automatic system of the accumulation fund making and repaying service is formed, the transaction links are greatly reduced, the service processing time and the complexity of service operation are reduced, and the service processing efficiency is improved. Meanwhile, a mode modification interface is arranged, modification of a repayment mode is achieved, individuation of the system is improved, switching among different modes is achieved through the mode modification interface, the richness of repayment modes is improved, and user experience is improved.
EXAMPLE III
Fig. 3 is a flowchart of a method for managing a credit and debit service according to a third embodiment of the present invention, where the embodiment is applicable to the case of credit and debit, the method may be executed by a system for managing a credit and debit service, as shown in fig. 3, and the method specifically includes the following steps:
and step 310, storing the public accumulation fund credit and debit information through the information storage module.
The public deposit fund payment and repayment information comprises a client parameter, a repayment mode parameter, a repayment account parameter and a public deposit fund drawing contract.
And step 320, determining the public deposit making and repaying process of the principal corresponding to the principal parameter according to the repaying mode parameter, the repaying account parameter and the public deposit acquisition contract through a process engine.
And 330, performing the public deposit fund payment according to the public deposit fund payment flow through an execution engine, and outputting an execution result of each step of the public deposit fund payment flow.
And step 340, performing fund clearing according to the execution result through a fund clearing module.
According to the technical scheme of the embodiment of the invention, the public deposit money charging and returning process is customized according to the information stored by the information storage module through the process engine, and each returning process is executed by the execution engine, so that the automatic customization and integrated execution of the public deposit money charging and returning are realized, and the fund clearing module is used for clearing the fund according to the execution result, so that an integrated automatic system of the public deposit money charging and returning service is formed, the transaction links are greatly reduced, the service processing time and the complexity of service operation are reduced, and the service processing efficiency is improved.
Optionally, the determining, according to the repayment mode parameter, the repayment account number parameter, and the public deposit fund drawing contract, the public deposit fund repayment flow of the principal corresponding to the principal parameter includes:
determining a public deposit repayment mode and a repayment account number according to the repayment mode parameters and the repayment account number parameters; verifying the public deposit repayment mode and the repayment account number according to the public deposit payment contract; and if the verification is passed, determining the public deposit hedge repayment flow of the principal corresponding to each principal parameter according to the public deposit repayment mode and the repayment account.
Optionally, the deposit and withdrawal mode includes an account-reporting mode, a direct return mode, a hybrid mode and a user-defined mode.
Optionally, the executing engine performs the money deposit repayment according to the money deposit repayment flow, and outputs an execution result of each step of the money deposit repayment flow, including:
executing each step of the public deposit loan repayment flow of each principal in parallel by adopting an asynchronous execution mode through an asynchronous task execution unit, and outputting an execution result of each step; and combining the steps of the public accumulation fund repayment flow and the execution result thereof through a service combination unit according to the consignor parameter.
Optionally, the method for managing the public accumulation fund making and repaying service further includes:
and determining the repayment sequence of each repayment account according to the public deposit payment contract through a process engine, and determining the public deposit hedge repayment process of the client corresponding to each client parameter according to the repayment sequence and the repayment mode.
Optionally, the method for managing the public accumulation fund making and repaying service further includes:
and generating a loan report, a public deposit payment report and a capital flow of the client according to the client parameter and the execution result of each step of the public deposit payment process by a report module.
Optionally, the method for managing the public accumulation fund making and repaying service further includes:
and modifying the repayment mode parameter according to a user instruction through a mode modification interface, and sending the repayment mode parameter to the information storage module.
The management system of the public accumulation fund making and repaying service provided by the embodiment of the invention can execute the management method of the public accumulation fund making and repaying service provided by any embodiment of the invention, and has corresponding functional modules and beneficial effects of the execution method.
Example four
Fig. 4 is a schematic structural diagram of a total fund making and repaying apparatus according to a fourth embodiment of the present invention, as shown in fig. 4, the apparatus includes a processor 410, a memory 420, an input device 430, and an output device 440; the number of the device processors 410 may be one or more, and one processor 410 is taken as an example in fig. 4; the processor 410, the memory 420, the input device 430 and the output device 440 in the apparatus may be connected by a bus or other means, for example, in fig. 4.
The memory 420 is a computer-readable storage medium, and can be used for storing software programs, computer-executable programs, and modules, such as program instructions/modules corresponding to the method for managing the credit and debit service in the embodiment of the present invention. The processor 410 executes various functional applications and data processing of the device by executing software programs, instructions and modules stored in the memory 420, namely, the management method of the aforementioned public fund credit and debit service is realized.
The memory 420 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the terminal, and the like. Further, the memory 420 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, the memory 420 may further include memory located remotely from the processor 410, which may be connected to the device/terminal/server via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The input means 430 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the apparatus. The output device 440 may include a display device such as a display screen.
EXAMPLE five
An embodiment of the present invention further provides a storage medium containing computer-executable instructions, which when executed by a computer processor, are configured to perform a method for managing a hedge loan service, where the method includes:
the method comprises the steps that public deposit money charging and repaying information is stored through an information storage module, wherein the public deposit money charging and repaying information comprises consignor parameters, repaying mode parameters, repaying account parameters and public deposit money drawing contracts;
determining a public deposit fund charging and repaying process of the principal corresponding to the principal parameter according to the repaying mode parameter, the repaying account parameter and the public deposit fund drawing contract by a process engine;
carrying out the public accumulation fund payment and repayment according to the public accumulation fund payment and repayment flow through an execution engine, and outputting an execution result of each step of the public accumulation fund payment and repayment flow;
and clearing the fund according to the execution result through a fund clearing module.
Of course, the storage medium provided by the embodiment of the present invention includes computer-executable instructions, and the computer-executable instructions are not limited to the operations of the method described above, and may also perform related operations in the method for managing the credit and debit service provided by any embodiment of the present invention.
From the above description of the embodiments, it is obvious for those skilled in the art that the present invention can be implemented by software and necessary general hardware, and certainly, can also be implemented by hardware, but the former is a better embodiment in many cases. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which may be stored in a computer-readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a FLASH Memory (FLASH), a hard disk or an optical disk of a computer, and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device) to execute the methods according to the embodiments of the present invention.
It should be noted that, in the embodiment of the management system for the public deposit fund making and repaying service, each included unit and module is only divided according to functional logic, but is not limited to the above division, as long as the corresponding function can be implemented; in addition, specific names of the functional units are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present invention.
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (10)
1. A management system of the public accumulation fund charging and repaying business is characterized by comprising an information storage module, a process engine, an execution engine and a fund clearing module, wherein,
the information storage module is used for storing the public deposit money charging and repaying information, wherein the public deposit money charging and repaying information comprises an offeror parameter, a repaying mode parameter, a repaying account parameter and a public deposit money drawing contract;
the process engine is used for determining the public deposit fund making and repaying process of the client corresponding to the client parameter according to the repaying mode parameter, the repaying account parameter and the public deposit fund drawing contract;
the execution engine is used for carrying out the public accumulation fund payment according to the public accumulation fund payment flow and outputting the execution results of each step of the public accumulation fund payment flow;
and the fund clearing module is used for clearing the fund according to the execution result.
2. The system of claim 1, wherein the process engine is specifically configured to:
determining a public deposit repayment mode and a repayment account number according to the repayment mode parameters and the repayment account number parameters;
verifying the public deposit repayment mode and the repayment account number according to the public deposit payment contract;
and if the verification is passed, determining the public deposit hedge repayment flow of the principal corresponding to each principal parameter according to the public deposit repayment mode and the repayment account.
3. The system of claim 2, wherein the accumulation fund repayment mode comprises a reimbursement mode, a direct return mode, a hybrid mode, and a user-defined mode.
4. The system of claim 1, wherein the execution engine specifically comprises:
the asynchronous task execution unit is used for executing all steps of the public deposit loan repayment flow of each principal in parallel in an asynchronous execution mode and outputting the execution results of all the steps;
and the service combination unit is used for combining all the steps of the public deposit repayment process and the execution result thereof according to the consignor parameters.
5. The system of claim 2, wherein the flow engine is further configured to:
and determining the repayment sequence of each repayment account according to the public deposit payment contract, and determining the public deposit cash flow of the client corresponding to each client parameter according to the repayment sequence and the repayment mode.
6. The system of claim 1, further comprising:
and the report module is used for generating a loan report, a public deposit payment report and a fund flow of the client according to the client parameter and the execution result of each step of the public deposit making and repaying process.
7. The system of claim 1, further comprising:
and the mode modification interface is used for modifying the repayment mode parameters according to a user instruction and sending the repayment mode parameters to the information storage module.
8. A management method for a public accumulation fund repayment service is characterized by comprising the following steps:
the method comprises the steps that public deposit money charging and repaying information is stored through an information storage module, wherein the public deposit money charging and repaying information comprises consignor parameters, repaying mode parameters, repaying account parameters and public deposit money drawing contracts;
determining a public deposit fund charging and repaying process of the principal corresponding to the principal parameter according to the repaying mode parameter, the repaying account parameter and the public deposit fund drawing contract by a process engine;
carrying out the public accumulation fund payment and repayment according to the public accumulation fund payment and repayment flow through an execution engine, and outputting an execution result of each step of the public accumulation fund payment and repayment flow;
and clearing the fund according to the execution result through a fund clearing module.
9. An accumulation fund making and repaying device, comprising:
one or more processors;
a memory for storing one or more programs;
when executed by the one or more processors, cause the one or more processors to implement the method of managing a hedge loan service of claim 8.
10. A storage medium containing computer-executable instructions, which when executed by a computer processor, are configured to perform the method of managing a hedge loan service according to claim 8.
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| CN111311395B (en) | 2024-01-23 |
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