CN111311395B - Management system, method, equipment and storage medium for public accumulation fund-charging and repayment service - Google Patents
Management system, method, equipment and storage medium for public accumulation fund-charging and repayment service Download PDFInfo
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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
Abstract
The embodiment of the invention discloses a system, a method, equipment and a storage medium for managing an accumulated fund return credit service, wherein the system comprises the following components: the system comprises an information storage module, a flow engine, an execution engine and a fund clearing module, wherein the information storage module is used for storing the accumulated fund credit returning information; the process engine is used for determining the principal's principal deposit transaction repayment process corresponding to the principal parameter according to the repayment mode parameter, the repayment account number parameter and the principal deposit payment contract; the execution engine is used for carrying out the accumulation fund punch repayment according to the accumulation fund punch repayment flow and outputting the execution result of each step of the accumulation fund punch repayment flow; and the fund clearing module is used for clearing funds according to the execution result. According to the technical scheme provided by the embodiment of the invention, through parameterization and flow customization configuration, joint operation and automation of the accumulation fund repayment flow are realized, 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 accumulation fund repayment, in particular to a management system, a method, equipment and a storage medium of accumulation fund repayment business.
Background
Housing deposit is a long term housing deposit, and the use of housing deposit loans to conduct individual housing loans has become a popular choice for the public.
When processing the business of the cash deposit and repayment, a plurality of platforms such as a cash deposit center, a loan bank and the like are often involved, and the platforms are in a splitting state, so that business aspects and technical aspects are mutually independent, the business of the cash deposit and repayment is long in transaction path, more in intermediate links, and low in processing efficiency and poor in timeliness.
Disclosure of Invention
The invention provides a system, a method, equipment and a storage medium for managing an accumulation fund return credit service, and provides an integration system for the accumulation fund return credit service, which realizes the automatic implementation of the accumulation fund return credit service and improves the processing efficiency of the accumulation fund return credit service.
In a first aspect, an embodiment of the present invention provides a system for managing an integrated fund return credit service, where the system includes an information storage module, a flow engine, an execution engine, and a funds clearing module,
the information storage module is used for storing the credit returning information of the public accumulation fund punch, wherein the credit returning information of the public accumulation fund punch comprises a principal parameter, a credit returning mode parameter, a credit returning account number parameter and a public accumulation fund taking contract;
the process engine is used for determining the principal's principal accumulated fund washout loan returning process corresponding to the principal parameter according to the loan returning mode parameter, the loan returning account number parameter and the accumulated fund branch contract;
the execution engine is used for carrying out the accumulation fund-stamping repayment according to the accumulation fund-stamping repayment flow and outputting the execution result of each step of the accumulation fund-stamping repayment flow;
and the fund clearing module is used for clearing funds according to the execution result.
In a second aspect, an embodiment of the present invention further provides a method for managing an accumulated fund return credit service, where the method includes:
storing the fund deposit credit returning information through an information storage module, wherein the fund deposit credit returning information comprises a principal parameter, a credit returning mode parameter, a credit returning account number parameter and a fund deposit credit taking contract;
determining an principal deposit credit flushing and repayment process corresponding to the principal parameter according to the repayment mode parameter, the repayment account number parameter and the principal deposit credit withdrawal contract through a process engine;
through an execution engine, carrying out the accumulation fund-stamping repayment according to the accumulation fund-stamping repayment flow, and outputting the execution result of each step of the accumulation fund-stamping repayment flow;
and carrying out funds clearing according to the execution result through a funds clearing module.
In a third aspect, an embodiment of the present invention further provides an apparatus for an accumulated fund punch return credit, the apparatus comprising:
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 public accumulation fund credit flushing and repayment service provided by any embodiment of the present invention.
In a fourth aspect, embodiments of the present invention also provide a storage medium containing computer-executable instructions, which when executed by a computer processor, are configured to perform a method of managing an accumulation fund return service provided by any of the embodiments of the present invention.
According to the technical scheme of the embodiment of the invention, the process engine is used for customizing the accumulation fund-charging and repayment process according to the information stored by the information storage module, and the execution engine is used for executing each repayment process, so that the automatic customization and integrated execution of the accumulation fund-charging and repayment process are realized, and the fund clearing module is used for clearing funds according to the execution result, so that an integrated automatic system of the accumulation fund-charging and repayment 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 diagram of a management system for an accumulated fund credit return business according to a first embodiment of the present invention;
FIG. 2 is a schematic diagram of a management system for an accumulated fund credit return business according to a second embodiment of the present invention;
FIG. 3 is a flow chart of a method for managing an accumulated fund return transaction in accordance with a third embodiment of the present invention;
fig. 4 is a schematic structural diagram of an apparatus for returning credit from an accumulated gold punch according to a fourth embodiment of the present invention.
Detailed Description
Housing accumulation is a housing guarantee system and is a form of housing allocation monetization. After the establishment of the individual housing loan, the borrower uses the funds of the public accumulation fund account of the home city to pay back a business action of the home city loan, which is called as the pay-back loan for short.
The invention is described in further detail below with reference to the drawings and examples. It is to be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention. It should be further noted that, for convenience of description, only some, but not all of the structures related to the present invention are shown in the drawings.
Example 1
Fig. 1 is a schematic structural diagram of a system for managing an accumulated fund return service according to a first embodiment of the present invention, as shown in fig. 1, the system for managing an accumulated fund return 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 principal parameter, repayment mode parameter, repayment account number parameter and principal payment contract; the process engine 120 is configured to determine an principal's principal deposit transaction repayment process corresponding to the principal parameter according to the repayment mode parameter, the repayment account parameter, and the principal deposit payment contract; the execution engine 130 is used for carrying out the accumulation fund-stamping repayment according to the accumulation fund-stamping repayment flow and outputting the execution result of each step of the accumulation fund-stamping repayment flow; the fund clearing module 140 is configured to clear funds according to the execution result.
The principal parameter is used to represent identity information of the principal, and may be a principal account number, a principal number, etc., and the principal may be a respective housing principal management center (simply referred to as a principal center or center), such as a Beijing principal center, a Tianjin principal center, a Shanghai principal center, or other principal center. The repayment mode parameter is used to indicate a repayment mode, such as a statement, a direct return, or other modes. The repayment account number parameters comprise bank account, repayment mode, repayment order and the like for repayment. The deposit payment contract is also called a house deposit payment extraction protocol, and is mainly used for describing a deposit repayment mode and a overdue related processing method of a deposit borrowing and lending both sides of a deposit agreement.
Of course, only the fund credit contract may be included in the fund credit information in the information storage module 110. Accordingly, the process engine 120 is configured to automatically identify a principal parameter, a repayment mode parameter, and a repayment account parameter according to the principal payment contract, and determine a principal deposit payment and repayment process corresponding to the principal 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 accumulation fund repayment service, information such as principal parameters, repayment mode parameters, repayment account number parameters and the like needs to be input into an information storage module.
Specifically, the information storage module 110 may be configured to obtain an public deposit branch contract, identify a principal parameter, a repayment mode parameter, and a repayment account parameter according to the public deposit branch contract, and confirm the identified principal parameter, repayment mode parameter, and repayment account parameter by a relevant person, and store the principal parameter, repayment mode parameter, and repayment account parameter, and the public deposit branch contract in the information storage module 110 after confirming that there is no error.
Optionally, the flow engine 120 is specifically configured to:
determining an accumulation fund repayment mode and a repayment account number according to the repayment mode parameter and the repayment account number parameter; verifying the public accumulation fund repayment mode and the repayment account number according to the public accumulation fund branch contract; and if the verification is passed, determining the principal deposit credit returning flow corresponding to each principal parameter according to the deposit credit returning mode and the credit returning account number.
The public accumulation fund repayment mode is mainly divided into two types of account reporting and direct repayment modes according to repayment modes. The direct-flushing repayment mode is to directly return loans after deducting money from a customer public accumulation fund account, and is divided into two types, namely, gradual (mainly monthly) repayment and balance repayment at present. The account-reporting and repayment mode is that the client returns the loan first, the system transfers the equal amount of money from the public accumulation account to the personal account according to the repayment amount of the client, and the account-reporting and repayment mode is similar to batch payment business and is mainly divided into several types of monthly, semi-annual, annual and the like according to the account-reporting frequency. The public accumulation fund repayment mode can be divided into a central subscription mode and a bank subscription mode according to subscription modes, wherein the central subscription mode is used for making a repayment subscription information in the public accumulation fund center, and the bank subscription mode is used for signing a subscription in a bank. The public 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 such as collection, extraction, use and the like of housing public accumulation fund and housing subsidy, the central collection mode is that the collection system is deployed in the public 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 processes of the public accumulation fund credit return can be different.
Optionally, the public accumulation fund repayment mode includes a newspaper account mode, a direct return mode, a mixed mode and a user-defined mode. The mixed mode is a mixture of two modes, namely a 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 accumulation fund branch contract, determines the principal according to the principal parameter after verification, determines each repayment account participating in repayment according to the repayment account parameter, determines the repayment mode of the public accumulation fund payment 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 number parameter may further include a repayment order or priority.
Optionally, the flow engine 120 is further configured to:
and determining the repayment order of each repayment account number according to the public accumulation fund payment contract so as to determine the public accumulation fund payment repayment flow of the principal corresponding to each principal parameter according to the repayment order and the repayment mode.
Further, the system for managing the public accumulation fund credit repayment service further comprises:
and the default repayment module is used for storing repayment flows of each default repayment mode.
The default repayment mode refers to a repayment mode which is set by the system and can be selected by a principal (user).
Further, the default repayment mode may further include a user-defined mode for storing a user-or principal-defined repayment mode.
Specifically, after verification is passed, the process engine 120 may determine a repayment mode and its corresponding public accumulation fund payment process from the default repayment mode according to the repayment mode parameter.
For example, table 1 is a default loan pattern table provided in the first embodiment of the present invention, as shown in table 1, each default loan pattern is further corresponding to a unique pattern number (loan pattern parameter), and the numbers shown in table 1 are only exemplary, and may be numbered in other manners, which are not limited thereto. Eight default repayment modes and one modifiable mode are provided in table 1, including a statement repayment mode and a direct repayment mode for different subscription modes and aggregation systems. The modifiable mode indicates that the repayment mode is modifiable, and the repayment mode can be modified according to a modification instruction in the subsequent repayment process. Of course, the fund repayment mode may also include other modes, which are not limited by the embodiment of the present invention.
Table 1 default repayment mode table
| Pattern numbering | Pattern content |
| 001 | Bank account reporting type: the bank end signs up, and the collection system is deployed in the bank |
| 002 | First hybrid account declaration formula: the bank end signs up, and the collection system is arranged in the center |
| 003 | Center account reporting type: center of public accumulationSigning and collecting system is arranged in the center |
| 004 | Second hybrid account reporting formula: the center signing and collecting system is deployed at the bank |
| 005 | Banking direct-return type: the bank end signs up, and the collection system is deployed in the bank |
| 006 | The first hybrid direct equation: the bank end signs up, and the collection system is arranged in the center |
| 007 | Center straight-return type: the public accumulation center signs up, and the collection system is arranged in the center |
| 008 | The second mixed direct equation: the center signing and collecting system is deployed at the bank |
| 009 | Modifiable modes |
Specifically, the execution engine 130 may be designed using an asynchronous task execution framework, execute according to each step in the repayment process, and return an execution result or a processing state.
Taking direct return type credit (central subscription, bank collection) as an example, the credit return flow comprises:
s1: starting flushing and repaying, and starting successfully;
s2: acquiring a subscription file, acquiring and checking an accumulation center subscription file, and checking successfully;
s3: the subscription file is converted, and the conversion is successful;
s4: generating a branch file according to the converted subscription file, and generating successfully;
s5: the method comprises the steps of sending a branch file to a bank collecting system, waiting for a branch result file, and sending successfully;
s6: receiving the accumulation fund and taking the result file, and receiving successfully;
s7: generating a repayment request file, and generating successfully;
s8: sending a repayment request to a loan system, waiting for a repayment result file, and sending successfully;
s9: and receiving the repayment result file, converting and storing the repayment result file, receiving success, generating a repayment success list, and finishing processing.
It should be appreciated that the above processes may be automatically performed by the execution engine 130, and when the steps are abnormal or unsuccessful, corresponding prompts may be provided, such as generating a statement of return to credit failure, and notifying the relevant personnel to intervene.
Specifically, the funds clearing module 140 is specifically configured to, when receiving the repayment result file, clear funds of the principal's public accumulation fund repayment according to the repayment result file or the repayment success list.
According to the technical scheme of the embodiment of the invention, the process engine is used for customizing the accumulation fund-charging and repayment process according to the information stored by the information storage module, and the execution engine is used for executing each repayment process, so that the automatic customization and integrated execution of the accumulation fund-charging and repayment process are realized, and the fund clearing module is used for clearing funds according to the execution result, so that an integrated automatic system of the accumulation fund-charging and repayment 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 system for managing an accumulated-gold-dashing and repayment service according to a first embodiment of the present invention, where the embodiment of the present invention refines and supplements the first embodiment, and the system for managing an accumulated-gold-dashing and repayment service provided by 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-charging and 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 schema modification interface 260.
The information storage module 210 is configured to store principal parameter, repayment mode parameter, repayment account number parameter and principal payment contract; the process engine 220 is configured to determine an principal's principal deposit credit repayment process corresponding to the principal parameter according to the repayment mode parameter, the repayment account parameter, and the principal deposit credit withdrawal contract; the asynchronous task execution unit 230 is configured to execute each step of the public accumulation fund repayment flow of each principal in parallel in an asynchronous execution manner, and output an execution result of each step; a service combination unit 240, configured to combine each step of the public accumulation fund repayment procedure and its execution result according to the principal parameter; the report module 250 is configured to generate a loan report of the principal, a report for an public accumulation fund branch, and a fund flowing line according to the principal parameter and an execution result of each step of the public accumulation fund repayment process; a mode modifying interface 260 for modifying the repayment mode parameter according to a user instruction and transmitting the repayment mode parameter to the information storage module.
The report module 250 is specifically configured to generate a loan report, an accumulation fund report and a fund flowing line of the principal according to the loan result file or the loan result file. In the execution process of each step of the accumulation fund credit, a detailed file related to repayment is generated so as to record information such as repayment amount, time and the like, and further a loan report, an accumulation fund statement and fund flowing line can be generated according to the detailed file, so that a client can conveniently know the repayment progress or verify related business. The mode modification interface 260 may determine the repayment mode parameter according to the mode instruction of the principal before initiating the repayment, and generate the repayment mode parameter to the information storage module 210, mainly for the case that the principal selects the repayment mode parameter of the public accumulation fund as the modifiable mode. Through the setting of the mode modification interface, the mode switching of the accumulation fund charging and discharging process is realized, more discharging and discharging schemes are provided for users, and the user experience is improved.
Specifically, the front end of the management system of the public accumulation fund-charging and repayment service can be realized by using an easy UI technology, and the rear end is developed based on a J2EE platform. Of course, other techniques or platforms may be used for system development, which is not limited by the embodiments of the present invention.
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 processes multiple principal deposit, credit and debit processes of one or more principal simultaneously in parallel, the same principal deposit, credit and debit processes of the same principal need to be combined by the service combination unit 240, and business or step combination can be performed according to the number of the principal, so as to form a complete principal deposit, credit and debit process and execution results of each step.
Specifically, in the process of executing the accumulation fund repayment, the asynchronous task execution unit 230 may also implement task scheduling of each step through a 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 the data interaction among the public accumulation center, the banking system (loan system) and the collecting system, the management system of the public accumulation 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 the path of the service related to each step; the online adaptation interface is in communication connection with the public accumulation center, the banking system (loan system) and the collecting system so as to perform data interaction in each system, and the accessible 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 of service execution.
Specifically, each file involved in the public accumulation fund repayment service can be defined in a standardized manner, and a unique machine-identifiable code can be generated for each file, so that a system can conveniently identify the file, and information such as a conversion format, a route and a receiving party of the file can be determined.
According to the technical scheme, the process engine is used for customizing the accumulation fund-charging and repayment process according to the information stored by the information storage module, and the asynchronous task execution unit of the execution engine is used for realizing asynchronous and automatic execution of each service, so that the service processing efficiency is improved, and the service combination unit of the execution engine is used for realizing the combination of the services to form the complete process of the service and the execution result thereof, so that the automatic customization and the integrated execution of the accumulation fund-charging and repayment are realized; the fund clearing module is used for clearing funds according to the execution result, and the report module is used for generating a loan report, an public accumulation fund report and fund running water of the principal according to the execution result so that the principal can know the business process and check the business process; an integrated automatic system of the accumulation fund repayment service is formed, the transaction link is 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, so that the modification of the repayment mode is realized, the individuation of the system is improved, the switching between different modes is realized through the mode modification interface, the richness of the repayment mode is improved, and the user experience is improved.
Example III
Fig. 3 is a flowchart of a method for managing an accumulation fund-stamping and repayment service according to a third embodiment of the present invention, where the present embodiment is applicable to an accumulation fund-stamping and repayment service, and the method may be performed by a system for managing an accumulation fund-stamping and repayment service, as shown in fig. 3, and specifically includes the following steps:
step 310, store the accumulated fund credit information via the information storage module.
The public accumulation fund credit repayment information comprises a principal parameter, a credit repayment mode parameter, a credit repayment account number parameter and a public accumulation fund payment contract.
Step 320, determining, via a process engine, a principal's principal deposit payment and repayment process corresponding to the principal's parameter according to the repayment mode parameter, repayment account number parameter and principal deposit payment contract.
Step 330, via an execution engine, performing an accumulation fund-charging and repayment according to the accumulation fund-charging and repayment flow, and outputting the execution result of each step of the accumulation fund-charging and repayment flow.
And 340, conducting funds clearing according to the execution result through a funds clearing module.
According to the technical scheme of the embodiment of the invention, the process engine is used for customizing the accumulation fund-charging and repayment process according to the information stored by the information storage module, and the execution engine is used for executing each repayment process, so that the automatic customization and integrated execution of the accumulation fund-charging and repayment process are realized, and the fund clearing module is used for clearing funds according to the execution result, so that an integrated automatic system of the accumulation fund-charging and repayment 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 the principal's principal deposit credit-clearing and repayment process corresponding to the principal parameter according to the repayment mode parameter, the repayment account number parameter and the principal deposit credit-taking contract includes:
determining an accumulation fund repayment mode and a repayment account number according to the repayment mode parameter and the repayment account number parameter; verifying the public accumulation fund repayment mode and the repayment account number according to the public accumulation fund branch contract; and if the verification is passed, determining the principal deposit credit returning flow corresponding to each principal parameter according to the deposit credit returning mode and the credit returning account number.
Optionally, the public accumulation fund repayment mode includes a newspaper account mode, a direct return mode, a mixed mode and a user-defined mode.
Optionally, through an execution engine, the deposit punch repayment is carried out according to the deposit punch repayment flow, and outputting the execution results of each step of the accumulation fund-stamping repayment flow, including:
executing each step of the public accumulation fund 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 each step of the public accumulation fund repayment flow and the execution result thereof according to the client parameters through a service combination unit.
Optionally, the method for managing the public accumulation fund credit returning business further comprises the following steps:
and determining the repayment order of each repayment account number according to the public accumulation fund payment contract through a flow engine so as to determine the public accumulation fund payment repayment flow of the principal corresponding to each principal parameter according to the repayment order and the repayment mode.
Optionally, the method for managing the public accumulation fund credit returning business further comprises the following steps:
and generating a loan report of the principal, a report for public accumulation fund and a fund flowing line according to the principal parameters and the execution results of each step of the public accumulation fund repayment flow by a report module.
Optionally, the method for managing the public accumulation fund credit returning business further comprises the following steps:
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 accumulation fund-stamping repayment service provided by the embodiment of the invention can execute the management method of the accumulation fund-stamping repayment service provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of the execution method.
Example IV
Fig. 4 is a schematic structural diagram of an apparatus for forward and return credit of accumulated gold 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 device processors 410 may be one or more, with one processor 410 being taken as an example in fig. 4; the processor 410, memory 420, input means 430 and output means 440 in the device may be connected by a bus or other means, for example in fig. 4.
The memory 420 is used as a computer readable storage medium for storing software programs, computer executable programs and modules, such as program instructions/modules corresponding to the method for managing the deposit and return transaction according to the embodiments of the present invention. The processor 410 executes various functional applications of the device and data processing by running software programs, instructions and modules stored in the memory 420, i.e., implements the above-described method of managing the aggregate fund credit service.
Memory 420 may include primarily a program storage area and a data storage area, wherein the program storage area may store an operating system, at least one application program required for functionality; the storage data area may store data created according to the use of the terminal, etc. In addition, 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, memory 420 may further include memory remotely located with respect to 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 entered numeric or character information and to generate key signal inputs related to user settings and function control of the device. The output 440 may include a display device such as a display screen.
Example five
A fifth embodiment of the invention also provides a storage medium containing computer-executable instructions for performing a method of managing an integrated fund credit service when executed by a computer processor, the method comprising:
storing the fund deposit credit returning information through an information storage module, wherein the fund deposit credit returning information comprises a principal parameter, a credit returning mode parameter, a credit returning account number parameter and a fund deposit credit taking contract;
determining an principal deposit credit flushing and repayment process corresponding to the principal parameter according to the repayment mode parameter, the repayment account number parameter and the principal deposit credit withdrawal contract through a process engine;
through an execution engine, carrying out the accumulation fund-stamping repayment according to the accumulation fund-stamping repayment flow, and outputting the execution result of each step of the accumulation fund-stamping repayment flow;
and carrying out funds clearing according to the execution result through a funds clearing module.
Of course, the storage medium containing the computer executable instructions provided in the embodiments of the present invention is not limited to the above-mentioned method operations, and may also perform the related operations in the method for managing the accumulated golden credit and return credit service provided in any embodiment of the present invention.
From the above description of embodiments, it will be clear to a person skilled in the art that the present invention may be implemented by means of software and necessary general purpose hardware, but of course also by means of hardware, although in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art 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 (Random Access Memory, RAM), a FLASH Memory (FLASH), a hard disk or an optical disk of a computer, etc., and include several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments of the present invention.
It should be noted that, in the embodiment of the above-mentioned management system for the public accumulation fund credit service, each unit and module included are only divided according to the functional logic, but not limited to the above-mentioned division, so long as the corresponding functions can be implemented; in addition, the specific names of the functional units are also only for distinguishing from each other, and are not used to limit the protection scope of the present invention.
Note that the above is only a preferred embodiment of the present invention and the technical principle applied. 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, while the invention has been described in connection with the above embodiments, the invention is not limited to the embodiments, but may be embodied in many other equivalent forms without departing from the spirit or scope of the invention, which is set forth in the following claims.
Claims (4)
1. A management system for the accumulated fund deposit, credit and debit service is characterized by comprising an information storage module, a flow engine, an execution engine, a fund clearing module and a default credit and debit module, wherein,
the information storage module is used for storing the credit returning information of the public accumulation fund dashes, wherein the credit returning information of the public accumulation fund dashes comprises principal parameters, credit returning mode parameters, credit returning account number parameters and public accumulation fund branch contracts, and the credit returning account number parameters comprise credit returning sequence or priority;
the process engine is used for determining the principal's principal accumulated fund washout loan returning process corresponding to the principal parameter according to the loan returning mode parameter, the loan returning account number parameter and the accumulated fund branch contract;
the execution engine is used for carrying out the accumulation fund-stamping repayment according to the accumulation fund-stamping repayment flow and outputting the execution result of each step of the accumulation fund-stamping repayment flow;
the fund clearing module is used for clearing funds according to the execution result;
the default repayment module is used for storing repayment flows of each default repayment mode, wherein the default repayment modes are repayment modes which are set by the system and can be selected by a principal;
the report module is used for generating a loan report of the principal, a report for public accumulation fund branch and fund flowing water according to the principal parameters and the execution results of each step of the public accumulation fund dashing repayment flow;
the mode modification interface is used for modifying the repayment mode parameters according to the user instruction and sending the repayment mode parameters to the information storage module;
the system for managing the accumulated fund repayment service further comprises: the transaction route is used for determining the path of the business related to each step of the public accumulation fund credit returning flow;
the online adaptation interface is in communication connection with the public accumulation center, the banking system and the collecting system so as to perform data interaction in each system and convert the data into a readable format of a corresponding system;
the file transmission interface is used for receiving and sending related files among the steps of service execution;
the flow engine is specifically configured to:
determining an accumulation fund repayment mode and a repayment account number according to the repayment mode parameter and the repayment account number parameter;
verifying the public accumulation fund repayment mode and the repayment account number according to the public accumulation fund branch contract;
if the verification is passed, determining the principal deposit credit flushing and repayment flow corresponding to each principal parameter according to the deposit credit repayment mode and the repayment account number, or
Determining the public accumulation fund repayment mode and a corresponding public accumulation fund repayment flow from the default repayment mode according to the repayment mode parameters;
wherein the flow engine is further configured to:
determining the repayment order of each repayment account according to the public accumulation fund payment contract, so as to determine the public accumulation fund payment repayment flow of the principal corresponding to each principal parameter according to the repayment order and the repayment mode;
wherein, the execution engine specifically includes:
the asynchronous task execution unit is used for executing each step of the public accumulation fund repayment flow of each principal in parallel in an asynchronous execution mode and outputting the execution result of each step;
the service combination unit is used for combining each step of the public accumulation fund repayment flow and the result thereof according to the principal parameters;
the public accumulation fund repayment mode is divided into a reimbursement mode, a direct repayment mode, a mixed mode and a user-defined mode according to the repayment mode, wherein the mixed mode is a mixture of the reimbursement mode and the direct repayment mode, the direct repayment mode is used for directly repayment of a loan after deduction of a customer public accumulation fund account, and the direct repayment mode is divided into two types of gradual repayment and balance repayment; the account reporting type returns loans for clients, and the system transfers equal amount money from an accumulation fund account to a personal account according to the paid amount of the clients;
the public accumulation fund repayment mode is divided into a central subscription mode and a bank subscription mode according to subscription modes, wherein the central subscription mode is that the repayment subscription information is signed up in the public accumulation fund center, and the bank subscription mode is that the repayment subscription information is signed up in the bank;
the accumulation fund repayment mode is divided into a central accumulation mode and a bank accumulation mode according to an accumulation system, the accumulation system is used for managing and accounting of accumulation fund of houses and the accumulation, extraction and use of housing subsidies, the central accumulation mode is that the accumulation system is deployed in the center of accumulation fund, and the bank accumulation mode is that the accumulation system is deployed in a bank;
the report module is specifically used for generating a loan report, an accumulation fund statement and a fund running water of the principal according to the loan repayment success result file or the repayment failure result file;
the mode modification interface is specifically configured to determine a repayment mode parameter according to a mode instruction of the principal before starting repayment, and send the repayment mode parameter to the information storage module, where the repayment mode parameter of the principal is selected as a modifiable mode by the principal.
2. A method for managing an accumulation fund-stamping repayment service, comprising:
storing principal credit and repayment information through an information storage module, wherein the principal credit and repayment information comprises principal parameters, repayment mode parameters, repayment account number parameters and principal credit payment contracts, and the repayment account number parameters comprise repayment sequence or priority;
determining an principal deposit credit flushing and repayment process corresponding to the principal parameter according to the repayment mode parameter, the repayment account number parameter and the principal deposit credit withdrawal contract through a process engine;
determining the repayment order of each repayment account according to the public accumulation fund payment contract, so as to determine the public accumulation fund payment repayment flow of the principal corresponding to each principal parameter according to the repayment order and the repayment mode;
through an execution engine, carrying out the accumulation fund-stamping repayment according to the accumulation fund-stamping repayment flow, and outputting the execution result of each step of the accumulation fund-stamping repayment flow;
conducting funds clearing according to the execution result through a funds clearing module;
saving the repayment flow of each default repayment mode through a default repayment module, wherein the default repayment mode is a repayment mode which is set by the system and can be selected by a principal;
generating a loan report of the principal, a report for public accumulation fund branch and fund flowing water according to the principal parameters and the execution results of each step of the public accumulation fund return loan flow by a report module;
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;
determining the path of the business involved in each step of the accumulation fund-making and repayment flow through transaction routing;
the system is in communication connection with an accumulation center, a banking system and a collecting system through an online adaptation interface so as to perform data interaction in each system and convert the data into a readable format of a corresponding system;
receiving and transmitting related files between steps of service execution via a file transmission interface;
the determining the principal's principal deposit credit-clearing and repayment flow corresponding to the principal's parameter according to the repayment mode parameter, repayment account number parameter and principal deposit credit-taking contract includes:
determining an accumulation fund repayment mode and a repayment account number according to the repayment mode parameter and the repayment account number parameter;
verifying the public accumulation fund repayment mode and the repayment account number according to the public accumulation fund branch contract;
if the verification is passed, determining the principal deposit credit flushing and repayment flow corresponding to each principal parameter according to the deposit credit repayment mode and the repayment account number, or
Determining the public accumulation fund repayment mode and a corresponding public accumulation fund repayment flow from the default repayment mode according to the repayment mode parameters;
the method comprises the steps of carrying out the accumulation fund-stamping and repayment according to the accumulation fund-stamping and repayment flow, outputting the execution result of each step of the accumulation fund-stamping and repayment flow, and comprises the following steps:
each step of the public accumulation fund repayment flow of each principal is executed in parallel by adopting an asynchronous execution mode, and the execution result of each step is output;
combining the steps of the public accumulation fund repayment flow and the results thereof according to the principal parameters;
the public accumulation fund repayment mode is divided into a reimbursement mode, a direct repayment mode, a mixed mode and a user-defined mode according to the repayment mode, wherein the mixed mode is a mixture of the reimbursement mode and the direct repayment mode, the direct repayment mode is used for directly repayment of a loan after deduction of a customer public accumulation fund account, and the direct repayment mode is divided into two types of gradual repayment and balance repayment; the account reporting type returns loans for clients, and the system transfers equal amount money from an accumulation fund account to a personal account according to the paid amount of the clients;
the public accumulation fund repayment mode is divided into a central subscription mode and a bank subscription mode according to subscription modes, wherein the central subscription mode is that the repayment subscription information is signed up in the public accumulation fund center, and the bank subscription mode is that the repayment subscription information is signed up in the bank;
the accumulation fund repayment mode is divided into a central accumulation mode and a bank accumulation mode according to an accumulation system, the accumulation system is used for managing and accounting of accumulation fund of houses and the accumulation, extraction and use of housing subsidies, the central accumulation mode is that the accumulation system is deployed in the center of accumulation fund, and the bank accumulation mode is that the accumulation system is deployed in a bank;
wherein, the generating the loan report form, the report form for the public accumulation fund branch and the fund flowing line of the principal according to the principal parameter and the execution result of each step of the public accumulation fund dashing repayment flow comprises the following steps:
generating a loan report form, an accumulation fund statement and a fund running water of the principal according to the loan repayment success result file or the loan repayment failure result file;
wherein said modifying said repayment mode parameter according to a user instruction and transmitting said repayment mode parameter to said information storage module comprises:
and determining a repayment mode parameter according to the mode instruction of the principal before starting repayment aiming at the situation that the repayment mode parameter of the principal for the public accumulation is selected as a modifiable mode, and transmitting the repayment mode parameter to an information storage module.
3. An apparatus for the return of an accumulated fund punch, said apparatus comprising:
one or more processors;
a memory for storing one or more programs;
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of managing an integrated fund credit transaction as set forth in claim 2.
4. A storage medium containing computer executable instructions which, when executed by a computer processor, are adapted to perform the method of managing an accumulation fund credit service as claimed in claim 2.
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