CN111402030A - Bill generation method and device - Google Patents
Bill generation method and device Download PDFInfo
- Publication number
- CN111402030A CN111402030A CN202010151799.XA CN202010151799A CN111402030A CN 111402030 A CN111402030 A CN 111402030A CN 202010151799 A CN202010151799 A CN 202010151799A CN 111402030 A CN111402030 A CN 111402030A
- Authority
- CN
- China
- Prior art keywords
- bill
- item
- sub
- repayment
- determining
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 46
- 238000004364 calculation method Methods 0.000 claims description 24
- 230000008859 change Effects 0.000 claims description 11
- 238000004590 computer program Methods 0.000 claims description 10
- 238000012545 processing Methods 0.000 abstract description 16
- 230000006870 function Effects 0.000 abstract description 13
- 238000010276 construction Methods 0.000 abstract description 6
- 238000010586 diagram Methods 0.000 description 13
- 230000008569 process Effects 0.000 description 8
- 238000004891 communication Methods 0.000 description 7
- 230000003287 optical effect Effects 0.000 description 4
- 230000004048 modification Effects 0.000 description 3
- 238000012986 modification Methods 0.000 description 3
- WWYNJERNGUHSAO-XUDSTZEESA-N (+)-Norgestrel Chemical compound O=C1CC[C@@H]2[C@H]3CC[C@](CC)([C@](CC4)(O)C#C)[C@@H]4[C@@H]3CCC2=C1 WWYNJERNGUHSAO-XUDSTZEESA-N 0.000 description 2
- 230000008901 benefit Effects 0.000 description 2
- 238000013461 design Methods 0.000 description 2
- 239000000835 fiber Substances 0.000 description 2
- 238000007726 management method Methods 0.000 description 2
- 230000000644 propagated effect Effects 0.000 description 2
- 239000004065 semiconductor Substances 0.000 description 2
- 230000000694 effects Effects 0.000 description 1
- 230000006872 improvement Effects 0.000 description 1
- 239000004973 liquid crystal related substance Substances 0.000 description 1
- 239000013307 optical fiber Substances 0.000 description 1
- 230000000737 periodic effect Effects 0.000 description 1
- 230000002441 reversible effect Effects 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
Images
Classifications
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a method and a device for generating bills, and relates to the technical field of computers. One embodiment of the method comprises: determining a basic item of the bill through a bill definition layer; determining a structural item contained in the bill through a bill planning layer; and determining a detail item according to the basic item and the structural item through a bill plan detail layer to generate the bill. The implementation mode generates the bill by adopting a three-layer architecture of the bill setting layer, the bill plan layer and the bill plan detail layer, can be compatible with the functional characteristics of credit cards and loans at the same time, reduces the construction cost of the system by using a set of unified and parameterizable bill generation method, realizes two service functions in one system, and is convenient for cross marketing and unified processing.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a method and a device for generating bills.
Background
Loans are financing means that bring external capital resources on the basis of the cost of loan payments. The credit card has the characteristics of no deposit interest, overdrawing, payment after consumption in the credit line and the like, can recycle the line, can avoid interest in payment before due date, can set the lowest payment amount, can make bills in stages and the like. Credit cards and loans provide convenient financial services to customers, the most central function being the processing logic of the billing module. The bill calculates or budgets the repayment amount and the details of the client periodically according to a certain rule, and the record is saved as the basis of subsequent repayment and delinquent. Most credit card and loan systems in the industry at this stage are two separate systems that are completely separate.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:
the functions and attributes of the loan and credit card systems are similar, business intersection often occurs, most financial institutions need to independently develop, deploy and use the two systems at the present stage, the cost is greatly increased, and the problem of business intersection is not well solved.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method and an apparatus for generating a bill, which are capable of simultaneously compatible with the functional characteristics of a credit card and a loan, reduce the construction cost of a system by using a set of unified parameterizable bill generation methods, implement two business functions in one system, and facilitate cross marketing and unified processing.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a method of generating a bill, including:
determining a basic item of the bill through a bill definition layer;
determining a structural item contained in the bill through a bill planning layer;
and determining a detail item according to the basic item and the structural item through a bill plan detail layer to generate the bill.
Optionally, the base item comprises at least one of:
the number of days in advance for generating the bill, whether the future bill plan is recalculated when the interest rate is changed or the bill is paid in advance, whether the bill interest is calculated to the bill day or the payment day, and the trial calculation rules of the interest when the payment occurs before and after the bill is generated.
Optionally, the structural item comprises: a repayment amount, at least one financial item, and whether the financial item occupies the repayment amount.
Optionally, when the financial item does not occupy the repayment amount, determining that the bill contains a structural item includes: determining a structural item contained in a sub-bill corresponding to the repayment amount and a structural item contained in a sub-bill corresponding to the financial item;
determining detail items according to the basic items and the structural items, and generating the bill, wherein the method comprises the following steps: determining the detail item of the sub-bill corresponding to the repayment amount according to the basic item and the structure item contained in the sub-bill corresponding to the repayment amount, and generating the sub-bill corresponding to the repayment amount; and determining the detail item of the sub-bill corresponding to the financial item according to the basic item and the structural item contained in the sub-bill corresponding to the financial item, and generating the sub-bill corresponding to the financial item.
Optionally, the particulars include at least one of: the first repayment date, the stop date, the number of repayment period, the frequency information, the repayment amount, the calculation element, the calculation basis and the repayment mode.
Optionally, the bill plan detail layer displays each sub-bill in a chain time slice manner.
Optionally, the method further comprises: when receiving the instruction of changing the repayment mode from the user,
determining the difference amount of the bill according to the changed repayment mode through a bill planning layer; changing the structural items contained in the last-period sub-bill according to the difference amount and the changed repayment mode: through a bill plan detail layer, the detail item of the last period sub-bill is re-determined according to the structure item contained in the changed last period sub-bill, and the last period sub-bill is generated; or,
changing the repayment amount of the sub-bill in each period through a bill plan detail layer, re-determining the detail item of the sub-bill in each period according to the changed repayment amount, and generating the sub-bill in each period; or,
and changing the payment period number according to the changed payment mode.
According to a second aspect of the embodiments of the present invention, there is provided a bill generation apparatus, including:
the bill definition module is used for determining the basic items of the bill through a bill definition layer;
the bill planning module is used for determining structural items contained in the bill through a bill planning layer;
and the bill generation module is used for determining the detail items according to the basic items and the structure items through a bill plan detail layer to generate the bill.
Optionally, the base item comprises at least one of:
the number of days in advance for generating the bill, whether the future bill plan is recalculated when the interest rate is changed or the bill is paid in advance, whether the bill interest is calculated to the bill day or the payment day, and the trial calculation rules of the interest when the payment occurs before and after the bill is generated.
Optionally, the structural item comprises: a repayment amount, at least one financial item, and whether the financial item occupies the repayment amount.
Optionally, the determining, by the bill planning layer module, the structural item included in the bill includes: when the financial item does not occupy the repayment amount, determining a structural item contained in a sub-bill corresponding to the repayment amount and a structural item contained in a sub-bill corresponding to the financial item;
the bill generation module determines detailed items according to the basic items and the structural items, generates the bill, and comprises the following steps: determining the detail item of the sub-bill corresponding to the repayment amount according to the basic item and the structure item contained in the sub-bill corresponding to the repayment amount, and generating the sub-bill corresponding to the repayment amount; and determining a sub-bill corresponding to the financial item according to the basic item and a structural item contained in the sub-bill corresponding to the financial item, and generating the sub-bill corresponding to the financial item.
Optionally, the particulars include at least one of: the first repayment date, the stop date, the number of repayment period, the frequency information, the repayment amount, the calculation element, the calculation basis and the repayment mode.
Optionally, the bill plan detail layer displays each sub-bill in a chain time slice manner.
Alternatively,
the billing plan module is further to: when a repayment mode change instruction of a user is received, determining the difference amount of the bill according to the changed repayment mode through a bill planning layer; changing the structural items contained in the last-period sub-bill according to the difference amount and the changed repayment mode: the bill generation module is further configured to: through a bill plan detail layer, the detail item of the last period sub-bill is re-determined according to the structure item contained in the changed last period sub-bill, and the last period sub-bill is generated; or,
the bill generation module is further configured to: when a repayment mode change instruction of a user is received, the repayment amount of the sub-bill in each period is changed through a bill plan detail layer, the detail item of the sub-bill in each period is determined again according to the changed repayment amount, and the sub-bill in each period is generated; or,
the bill generation module is further configured to: and when a repayment mode change instruction of the user is received, changing the repayment period number according to the changed repayment mode.
According to a third aspect of embodiments of the present invention, there is provided a bill generation electronic device, including:
one or more processors;
a storage device 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 are caused to implement the method provided by the first aspect of the embodiments of the present invention.
According to a fourth aspect of embodiments of the present invention, there is provided a computer readable medium, on which a computer program is stored, which when executed by a processor, implements the method provided by the first aspect of embodiments of the present invention.
One embodiment of the above invention has the following advantages or benefits: the bill is generated by adopting a three-layer architecture of a bill determination layer, a bill plan layer and a bill plan detail layer, the functional characteristics of a credit card and a loan can be simultaneously compatible, the construction cost of the system is reduced by using a set of unified parameterizable bill generation method, two service functions are realized in one system, and the cross marketing and the unified processing are convenient.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram of a main flow of a method of bill generation according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a billing data structure of an embodiment of the present invention;
FIG. 3 is a schematic diagram of the main modules of a bill generation apparatus according to an embodiment of the present invention;
FIG. 4 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 5 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
According to one aspect of an embodiment of the present invention, a method of bill generation is provided. Fig. 1 is a schematic diagram of a billing data structure of an embodiment of the present invention. As shown in fig. 1, the bill data structure of the embodiment of the present invention includes a three-layer architecture of a bill definition layer, a bill planning layer and a bill detail layer.
Fig. 2 is a schematic diagram of a main flow of a method of bill generation according to an embodiment of the present invention, as shown in fig. 2, the method of bill generation includes: step S201, step S202, and step S203.
Step S201, determining the basic items of the bill through a bill definition layer.
The bill definition layer comprises various basic items of the bill. The basic item refers to a parameter field describing basic attributes of the bill, and optionally, the basic item includes at least one of the following: the number of days in advance of bill generation, whether future bill plans are recalculated when interest rate changes or bill repayment occurs in advance (the future bill plans refer to bill plans of bills which are not paid yet), whether the bill interest is calculated to the bill date or the repayment date, and the trial calculation rules of the interest when the repayment occurs before and after the bill generation. When generating the bill, the specific content of each basic item in the bill definition layer can be determined according to the actual condition of the bill.
Step S202, determining the structural items contained in the bill through a bill planning layer.
The billing plan layer is used for generating each billing plan. A bill may correspond to a billing plan, such as a loan bill with a payment term of one. One bill may also correspond to a plurality of bill plans, such as a loan bill with payment period number of 24, a credit card bill with payment period, and the like. Each billing plan does not contain structural terms. The structural item refers to the type of money included in the billing plan used to generate the bill.
Optionally, the structural item comprises: a repayment amount, at least one financial item, and whether the financial item occupies the repayment amount. The repayment amount refers to the initial repayment amount of each period, taking the credit card bill of the monthly repayment as an example, the consumption amount in a repayment period is the repayment amount of the credit card bill in the repayment period; taking the loan bill for equal-amount principal payment as an example, the principal to be paid and the interest to be paid are the payment amount each month. The financial item refers to other items needing to be paid, such as overdue and unrelieved money and interest thereof in the previous bill, and the payment and interest thereof in the previous bill in a staged manner.
And when the financial item occupies the repayment amount, combining the financial item and the repayment amount into a bill plan. At this time, determining the structural item included in the bill includes: and merging the repayment amount and the financial item into an amount to be repayed, and determining a structural item contained in a bill corresponding to the amount to be repayed.
When the financial item does not occupy the repayment amount, a bill needs to be generated separately according to the financial item not occupying the repayment amount. At this time, determining the structural item included in the bill includes: and determining a structural item contained in the sub-bill corresponding to the repayment amount and a structural item contained in the sub-bill corresponding to the financial item.
And step S203, determining a detail item according to the basic item and the structure item through a bill plan detail layer, and generating the bill.
The bill plan detail layer comprises various detail items of the bill. The detail item is used for describing the specific content of the bill. The number and content of the detail items can be selectively set according to actual conditions. Optionally, each billing plan corresponds to a billing detail, and each billing detail includes one or more detail items. The process of determining the content of each detail in the bill is the process of generating the bill. For any billing statement, the statement item includes at least one of: the first repayment date (the first repayment date of any bill particulars), the stopping date (the date on which any bill particulars stopped), the number of repayment periods (how much any bill particulars remained), frequency information (generally in the unit of month or day), the repayment amount (which may be a specific repayment amount or a percentage between the repayment amount and all the remaining repayment amounts), the calculation factor (which may be a specific repayment amount or a percentage between the repayment amount and all the remaining repayment amounts), the calculation basis (the current balance or balance of balance, etc.), the repayment mode (such as an equal amount of money, only interest, etc.).
The bill plan detail layer can display each sub-bill in a chain-type time slice mode (each sub-bill corresponds to one time slice, and the time slices of the bills are displayed in sequence according to time sequence), and can also display each sub-bill in a list mode (one sub-bill corresponds to one list or all the sub-bills are placed in one list).
Table 1 below shows a billing plan detail table in an alternative embodiment. In this example, there are multiple bill plan details in a bill plan, and each detail has a first due date and an end date, a repayment period number, an account number, a installment repayment amount, a repayment frequency, a repayment increment, a repayment mode, a principal balance type, a repayment amount calculation code in each period, a repayment balance percentage, and the like. A billing plan is compatible with both credit card and loan features by adjusting the settings of the parameters.
TABLE 1 Bill plan List
In table 1, the second, third, fourth and fifth data are loan bills, a bill plan query is made for a certain account, the loan period of the account starts from 5/1/2005 and ends at 3/1/2010, four bill plan details are counted, and the loan installment characteristics can be reflected, including installment payoff amount, principal balance type, payoff amount calculation code, repayment balance percentage and the like. Taking the third bill plan detail as an example, the client can make a periodic payment amount, supply money according to the month, the payment mode is F (equal amount and interest), and the total 32-period payment is carried out.
In table 1, the first piece of data is a credit card-like bill, the first due date is 2018, 08 and 21, the end date is 99991231, which means that the account has no end date, the number of repayment dates is 999, which means that the bill is a recurring bill, the client repays the bill in an equal principal mode every three months, the calculation code P of the repayment amount in each period means repayment in percentage, the balance type CU of the principal means the current balance, and the repayment balance percentage is 10%, which can be seen from the plan details of the bill, which is a bill processing scheme of the credit card, the installment repayment amount is the amount of the balance percentage of the current balance, and as long as the repayment percentage is greater than 10%, the bill cannot be determined as overdue, so that the bill can be used in a recurring manner.
Optionally, when the financial item does not occupy the repayment amount, determining that the bill contains a structural item includes: determining a structural item contained in a sub-bill corresponding to the repayment amount and a structural item contained in a sub-bill corresponding to the financial item; determining detail items according to the basic items and the structural items, and generating the bill, wherein the method comprises the following steps: determining the detail item of the sub-bill corresponding to the repayment amount according to the basic item and the structure item contained in the sub-bill corresponding to the repayment amount, and generating the sub-bill corresponding to the repayment amount; and determining the detail item of the sub-bill corresponding to the financial item according to the basic item and the structural item contained in the sub-bill corresponding to the financial item, and generating the sub-bill corresponding to the financial item.
Illustratively, assume that the initial bill is only the bill plan a, the stop date of the bill plan is 99991231, i.e., the bill can be recycled, and the payment amount calculation code is P, i.e., the payment is in percentage. And judging whether the bill is in a separate period or not every time when the payment date arrives. If not, the customer continues to cycle for payment. If so, when a certain node client needs to stage the bill for some reason, the bill a is split to generate a plurality of bill plans B, and if there are three, the bill specification of each bill plan B has a corresponding bill start-stop date and payment amount calculation code (for example, F, which means payment by amount), and there may be one or more bill plan specifications in each bill plan B. After the period is over, the bill returns to the initial state, the client continues to circularly supply money according to the normal plan, and the period can be generated in the future. The embodiment of the invention can process complicated bill modes such as bill staging and the like, integrates the bill design modes of credit cards and loans, and can meet the diversified demands of customers.
The embodiment of the invention generates the bill by adopting a three-layer architecture of the bill setting layer, the bill plan layer and the bill plan detail layer, can simultaneously be compatible with the functional characteristics of credit cards and loans, reduces the construction cost of the system by using a set of unified and parameterizable bill generation method, realizes two service functions in one system, and is convenient for cross marketing and unified processing.
In the actual application process, the user can change the repayment mode. In view of this, in an optional embodiment, when receiving a payment mode change instruction from a user, any one of the following processing modes may be adopted: repayment is carried out according to the original plan, and all differences are left in the last stage for processing; changing the repayment amount of each period; the number of payment periods is changed.
The first processing mode is specifically as follows: determining the difference amount of the bill according to the changed repayment mode through a bill planning layer; changing the structural items contained in the last-period sub-bill according to the difference amount and the changed repayment mode: and through a bill plan detail layer, re-determining the detail items of the last-period sub-bill according to the structural items contained in the changed last-period sub-bill, and generating the last-period sub-bill.
The second processing mode is specifically as follows: and changing the repayment amount of the sub-bill in each period through the bill plan detail layer, re-determining the detail item of the sub-bill in each period according to the changed repayment amount, and generating the sub-bill in each period.
Through any one of the processing modes, the bill can be recalculated flexibly according to the user requirement, and the user experience is improved. In general, when the bill is recalculated, only a partial repayment mode is recalculated, and only how the repayment amount is recalculated is considered; the bill does not need to be recalculated under the conditions of returning according to time, one-time repayment and percentage supply, and the payment is carried out according to the actual calculation condition.
According to a second aspect of the embodiments of the present invention, there is provided an apparatus for implementing the above method.
Fig. 3 is a schematic diagram of main blocks of a bill generation apparatus according to an embodiment of the present invention, and as shown in fig. 3, the bill generation apparatus 300 includes:
the bill definition module 301 determines the basic items of the bill through a bill definition layer;
a bill planning module 302, which determines the structural items contained in the bill through a bill planning layer;
the bill generation module 303 determines the detail item according to the basic item and the structure item through a bill plan detail layer, and generates the bill.
Optionally, the base item comprises at least one of:
the number of days in advance for generating the bill, whether the future bill plan is recalculated when the interest rate is changed or the bill is paid in advance, whether the bill interest is calculated to the bill day or the payment day, and the trial calculation rules of the interest when the payment occurs before and after the bill is generated.
Optionally, the structural item comprises: a repayment amount, at least one financial item, and whether the financial item occupies the repayment amount.
Optionally, the determining, by the bill planning layer module, the structural item included in the bill includes: when the financial item does not occupy the repayment amount, determining a structural item contained in a sub-bill corresponding to the repayment amount and a structural item contained in a sub-bill corresponding to the financial item;
the bill generation module determines detailed items according to the basic items and the structural items, generates the bill, and comprises the following steps: determining the detail item of the sub-bill corresponding to the repayment amount according to the basic item and the structure item contained in the sub-bill corresponding to the repayment amount, and generating the sub-bill corresponding to the repayment amount; and determining a sub-bill corresponding to the financial item according to the basic item and a structural item contained in the sub-bill corresponding to the financial item, and generating the sub-bill corresponding to the financial item.
Optionally, the particulars include at least one of: the first repayment date, the stop date, the number of repayment period, the frequency information, the repayment amount, the calculation element, the calculation basis and the repayment mode.
Optionally, the bill plan detail layer displays each sub-bill in a chain time slice manner.
Alternatively,
the billing plan module is further to: when a repayment mode change instruction of a user is received, determining the difference amount of the bill according to the changed repayment mode through a bill planning layer; changing the structural items contained in the last-period sub-bill according to the difference amount and the changed repayment mode: the bill generation module is further configured to: through a bill plan detail layer, the detail item of the last period sub-bill is re-determined according to the structure item contained in the changed last period sub-bill, and the last period sub-bill is generated; or,
the bill generation module is further configured to: when a repayment mode change instruction of a user is received, the repayment amount of the sub-bill in each period is changed through a bill plan detail layer, the detail item of the sub-bill in each period is determined again according to the changed repayment amount, and the sub-bill in each period is generated; or,
the bill generation module is further configured to: and when a repayment mode change instruction of the user is received, changing the repayment period number according to the changed repayment mode.
According to a third aspect of embodiments of the present invention, there is provided a bill generation electronic device, including:
one or more processors;
a storage device 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 are caused to implement the method provided by the first aspect of the embodiments of the present invention.
According to a fourth aspect of embodiments of the present invention, there is provided a computer readable medium, on which a computer program is stored, which when executed by a processor, implements the method provided by the first aspect of embodiments of the present invention.
Fig. 4 illustrates an exemplary system architecture 400 of a method of bill generation or an apparatus of bill generation to which embodiments of the present invention may be applied.
As shown in fig. 4, the system architecture 400 may include terminal devices 401, 402, 403, a network 404, and a server 405. The network 404 serves as a medium for providing communication links between the terminal devices 401, 402, 403 and the server 405. Network 404 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.
A user may use terminal devices 401, 402, 403 to interact with a server 405 over a network 404 to receive or send messages or the like. The terminal devices 401, 402, 403 may have installed thereon various communication client applications, such as shopping-like applications, web browser applications, search-like applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).
The terminal devices 401, 402, 403 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 405 may be a server providing various services, such as a background management server (for example only) providing support for shopping websites browsed by users using the terminal devices 401, 402, 403. The background management server may analyze and process the received data such as the bill inquiry request or the bill staging request, and feed back the processing result (such as the bill particulars, the bill staging result, and the like, for example only) to the terminal device.
It should be noted that the method for generating a bill provided by the embodiment of the present invention is generally executed by the server 405, and accordingly, the apparatus for generating a bill is generally disposed in the server 405.
It should be understood that the number of terminal devices, networks, and servers in fig. 4 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 5, shown is a block diagram of a computer system 500 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 5 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 5, the computer system 500 includes a Central Processing Unit (CPU)501 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)502 or a program loaded from a storage section 508 into a Random Access Memory (RAM) 503. In the RAM 503, various programs and data necessary for the operation of the system 500 are also stored. The CPU 501, ROM 502, and RAM 503 are connected to each other via a bus 504. An input/output (I/O) interface 505 is also connected to bus 504.
To the I/O interface 505, AN input section 506 including a keyboard, a mouse, and the like, AN output section 507 including a keyboard such as a Cathode Ray Tube (CRT), a liquid crystal display (L CD), and the like, a speaker, and the like, a storage section 508 including a hard disk and the like, and a communication section 509 including a network interface card such as a L AN card, a modem, and the like, the communication section 509 performs communication processing via a network such as the internet, a drive 510 is also connected to the I/O interface 505 as necessary, a removable medium 511 such as a magnetic disk, AN optical disk, a magneto-optical disk, a semiconductor memory, and the like is mounted on the drive 510 as necessary, so that a computer program read out therefrom is mounted into the storage section 508 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 509, and/or installed from the removable medium 511. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 501.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor comprising: the bill definition module is used for determining the basic items of the bill through a bill definition layer; the bill planning module is used for determining structural items contained in the bill through a bill planning layer; and the bill generation module is used for determining the detail items according to the basic items and the structure items through a bill plan detail layer to generate the bill. Where the names of these modules do not in some way constitute a limitation on the modules themselves, for example, a bill definition module may also be described as a "module that generates the bill".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: determining a basic item of the bill through a bill definition layer; determining a structural item contained in the bill through a bill planning layer; and determining a detail item according to the basic item and the structural item through a bill plan detail layer to generate the bill.
According to the technical scheme of the embodiment of the invention, the bill is generated by adopting a three-layer architecture of the bill determination layer, the bill plan layer and the bill plan detail layer, the functional characteristics of a credit card and a loan can be simultaneously compatible, the construction cost of the system is reduced by using a set of unified parameterizable bill generation method, two service functions are realized in one system, and the cross marketing and the unified processing are facilitated.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (16)
1. A method of bill generation, comprising:
determining a basic item of the bill through a bill definition layer;
determining a structural item contained in the bill through a bill planning layer;
and determining a detail item according to the basic item and the structural item through a bill plan detail layer to generate the bill.
2. The method of claim 1, wherein the base item comprises at least one of:
the number of days in advance for generating the bill, whether the future bill plan is recalculated when the interest rate is changed or the bill is paid in advance, whether the bill interest is calculated to the bill day or the payment day, and the trial calculation rules of the interest when the payment occurs before and after the bill is generated.
3. The method of claim 1, wherein the structural terms comprise: a repayment amount, at least one financial item, and whether the financial item occupies the repayment amount.
4. The method of claim 3, wherein determining the structural item included in the bill when the financial item does not occupy the repayment amount comprises: determining a structural item contained in a sub-bill corresponding to the repayment amount and a structural item contained in a sub-bill corresponding to the financial item;
determining detail items according to the basic items and the structural items, and generating the bill, wherein the method comprises the following steps: determining the detail item of the sub-bill corresponding to the repayment amount according to the basic item and the structure item contained in the sub-bill corresponding to the repayment amount, and generating the sub-bill corresponding to the repayment amount; and determining a sub-bill corresponding to the financial item according to the basic item and a structural item contained in the sub-bill corresponding to the financial item, and generating the sub-bill corresponding to the financial item.
5. The method of claim 1, wherein the detail items include at least one of: the first repayment date, the stop date, the number of repayment period, the frequency information, the repayment amount, the calculation element, the calculation basis and the repayment mode.
6. The method of claim 4, wherein the billing plan detail layer presents each sub-bill in a chain time slice manner.
7. The method of claim 5, further comprising: when receiving the instruction of changing the repayment mode from the user,
determining the difference amount of the bill according to the changed repayment mode through a bill planning layer; changing the structural items contained in the last-period sub-bill according to the difference amount and the changed repayment mode: through a bill plan detail layer, the detail item of the last period sub-bill is re-determined according to the structure item contained in the changed last period sub-bill, and the last period sub-bill is generated; or,
changing the repayment amount of the sub-bill in each period through a bill plan detail layer, re-determining the detail item of the sub-bill in each period according to the changed repayment amount, and generating the sub-bill in each period; or,
and changing the payment period number according to the changed payment mode.
8. An apparatus for generating a bill, comprising:
the bill definition module is used for determining the basic items of the bill through a bill definition layer;
the bill planning module is used for determining structural items contained in the bill through a bill planning layer;
and the bill generation module is used for determining detail items according to the basic items and the structural items through a bill plan detail layer so as to generate the bill.
9. The apparatus of claim 8, wherein the base item comprises at least one of:
the number of days in advance for generating the bill, whether the future bill plan is recalculated when the interest rate is changed or the bill is paid in advance, whether the bill interest is calculated to the bill day or the payment day, and the trial calculation rules of the interest when the payment occurs before and after the bill is generated.
10. The apparatus of claim 8, wherein the structural terms comprise: a repayment amount, at least one financial item, and whether the financial item occupies the repayment amount.
11. The apparatus of claim 10, wherein the billing plan layer module determining the structural terms included in the bill comprises: when the financial item does not occupy the repayment amount, determining a structural item contained in a sub-bill corresponding to the repayment amount and a structural item contained in a sub-bill corresponding to the financial item;
the bill generation module determines detailed items according to the basic items and the structural items, generates the bill, and comprises the following steps: determining the detail item of the sub-bill corresponding to the repayment amount according to the basic item and the structure item contained in the sub-bill corresponding to the repayment amount, and generating the sub-bill corresponding to the repayment amount; and determining the detail item of the sub-bill corresponding to the financial item according to the basic item and the structural item contained in the sub-bill corresponding to the financial item, and generating the sub-bill corresponding to the financial item.
12. The apparatus of claim 8, wherein the detail items include at least one of: the first repayment date, the stop date, the number of repayment period, the frequency information, the repayment amount, the calculation element, the calculation basis and the repayment mode.
13. The apparatus of claim 11, wherein the billing plan detail layer presents each sub-bill in a chain time slice manner.
14. The apparatus of claim 12,
the billing plan module is further to: when a repayment mode change instruction of a user is received, determining the difference amount of the bill according to the changed repayment mode through a bill planning layer; changing the structural items contained in the last-period sub-bill according to the difference amount and the changed repayment mode: the bill generation module is further configured to: through a bill plan detail layer, the detail item of the last period sub-bill is re-determined according to the structure item contained in the changed last period sub-bill, and the last period sub-bill is generated; or,
the bill generation module is further configured to: when a repayment mode change instruction of a user is received, changing the repayment amount of the sub-bill in each period through a bill plan detail layer, re-determining the sub-bill in each period according to the changed repayment amount, and generating the sub-bill in each period; or,
the bill generation module is further configured to: and when a repayment mode change instruction of the user is received, changing the repayment period number according to the changed repayment mode.
15. A bill generating electronic device, comprising:
one or more processors;
a storage device 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 any one of claims 1-7.
16. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010151799.XA CN111402030A (en) | 2020-03-06 | 2020-03-06 | Bill generation method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010151799.XA CN111402030A (en) | 2020-03-06 | 2020-03-06 | Bill generation method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN111402030A true CN111402030A (en) | 2020-07-10 |
Family
ID=71413243
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010151799.XA Pending CN111402030A (en) | 2020-03-06 | 2020-03-06 | Bill generation method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN111402030A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112634000A (en) * | 2020-12-24 | 2021-04-09 | 中国建设银行股份有限公司 | Method and device for generating bill |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20060277139A1 (en) * | 2005-06-06 | 2006-12-07 | Poltorak Alexander I | System and method for credit account management |
| JP2010160627A (en) * | 2009-01-07 | 2010-07-22 | Mizuho Bank Ltd | Support system for loan business, method of supporting loan business, and support program for loan business |
| CN103886502A (en) * | 2014-04-14 | 2014-06-25 | 中国人民银行征信中心 | Personal credit status acquisition and integration method |
| CN110059119A (en) * | 2019-03-13 | 2019-07-26 | 深圳壹账通智能科技有限公司 | A kind of bill generation method, device, computer equipment and readable storage medium storing program for executing |
| CN110689418A (en) * | 2019-09-27 | 2020-01-14 | 支付宝(杭州)信息技术有限公司 | Bill generation method and device |
-
2020
- 2020-03-06 CN CN202010151799.XA patent/CN111402030A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20060277139A1 (en) * | 2005-06-06 | 2006-12-07 | Poltorak Alexander I | System and method for credit account management |
| JP2010160627A (en) * | 2009-01-07 | 2010-07-22 | Mizuho Bank Ltd | Support system for loan business, method of supporting loan business, and support program for loan business |
| CN103886502A (en) * | 2014-04-14 | 2014-06-25 | 中国人民银行征信中心 | Personal credit status acquisition and integration method |
| CN110059119A (en) * | 2019-03-13 | 2019-07-26 | 深圳壹账通智能科技有限公司 | A kind of bill generation method, device, computer equipment and readable storage medium storing program for executing |
| CN110689418A (en) * | 2019-09-27 | 2020-01-14 | 支付宝(杭州)信息技术有限公司 | Bill generation method and device |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112634000A (en) * | 2020-12-24 | 2021-04-09 | 中国建设银行股份有限公司 | Method and device for generating bill |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110324414B (en) | Resource bit flow distribution method and device and electronic equipment | |
| CN111861437A (en) | Payment processing method and device | |
| CN110706093A (en) | Accounting processing method and device | |
| CN111429241A (en) | Accounting processing method and device | |
| CN112132674A (en) | Transaction processing method and device | |
| CN111127214A (en) | Method and apparatus for portfolio | |
| CN111080424A (en) | Accounting management method and device | |
| CN110705981B (en) | Real-time settlement method and device | |
| CN111915417B (en) | Tax amount determining method and device and electronic equipment | |
| CN111881329A (en) | Account balance management method and system | |
| CN112950365A (en) | Method and device for supplementing money between accounts | |
| CN111857888A (en) | Transaction processing method and device | |
| CN111833037A (en) | Account management method and device | |
| CN111178867A (en) | Data splitting method and data splitting device | |
| CN111179081A (en) | Message processing method and processing device | |
| US10268991B1 (en) | Dynamic selection across cache | |
| CN110223179A (en) | The data processing method of fund, device, system, medium | |
| CN112559646A (en) | Report downloading method and device | |
| CN111402030A (en) | Bill generation method and device | |
| CN111831868A (en) | Method and apparatus for financial product configuration | |
| CN114445128A (en) | Card ticket management method and device, electronic equipment and computer readable medium | |
| CN115564415A (en) | Order payment and settlement method and device | |
| CN112950358B (en) | Retrospective financial market transaction guarantee management method, device, equipment and medium | |
| CN111526184B (en) | Business auditing method and device | |
| CN111402018A (en) | Method and system for reporting resource budget |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20220926 Address after: 25 Financial Street, Xicheng District, Beijing 100033 Applicant after: CHINA CONSTRUCTION BANK Corp. Address before: 25 Financial Street, Xicheng District, Beijing 100033 Applicant before: CHINA CONSTRUCTION BANK Corp. Applicant before: Jianxin Financial Science and Technology Co.,Ltd. |
|
| TA01 | Transfer of patent application right |