CN111444213A

CN111444213A - Machine account clearing system and method based on credit business

Info

Publication number: CN111444213A
Application number: CN202010226357.7A
Authority: CN
Inventors: 李禄顺
Original assignee: Shanghai Shuhe Information Technology Co Ltd
Current assignee: Shanghai Shuhe Information Technology Co Ltd
Priority date: 2020-03-26
Filing date: 2020-03-26
Publication date: 2020-07-24
Anticipated expiration: 2040-03-26
Also published as: CN111444213B

Abstract

The invention provides a credit business-based standing book clearing system and a credit business-based standing book clearing method, wherein the system comprises the following steps: a transaction module to generate customer account information, the customer account information comprising: order information, customer account rate information; the machine account module is used for processing credit business data information; the fund module is used for storing fund account information and fund configuration rules of the order information in the transaction module; the sorting module is used for sorting data information in the platform account module; the transaction module sends the customer account information to the standing book module for data processing; the standing book module acquires capital account information and capital configuration rules of order information in the capital module to complete integration; and the standing book module sends the integrated data to the sorting module for sorting. According to the invention, through the flow of the whole credit business machine account checking and distributing system, the checking and distributing sequence is carried out on each module event, and the order flow events are calculated at the correct time points, so that the flow orderliness is ensured, and the data inconsistency and the abnormity are avoided.

Description

Machine account clearing system and method based on credit business

Technical Field

The invention relates to the field of credit business, in particular to a standing book clearing system and a method based on credit business.

Background

With the development of credit services in recent years, many companies have begun to conduct business collaboration with other parties. The customer account and the resource account of most systems are not in the same system and environment. It has been a daunting problem when clearing settlement with the party.

In addition, how to achieve data consistency, data orderliness and abnormal flow processing is all deficient in the existing resolution system.

Disclosure of Invention

In order to solve the problems of inconsistent and disordered data and frequent abnormal reminding in fund clearing among credit service companies in the prior art, the invention provides a machine account clearing subsystem and a machine account clearing method based on credit service.

In a first aspect, the present invention provides a credit business-based standing book inventory system, including:

a transaction module to generate customer account information, the customer account information comprising: order information, customer account rate information;

the machine account module is used for processing credit business data information;

the fund module is used for storing fund account information and fund configuration rules of the order information in the transaction module;

the sorting module is used for sorting the data information in the standing book module;

the transaction module sends customer account information to the standing book module for data processing;

the standing book module acquires capital account information and capital configuration rules of order information in the capital module to complete integration;

and the standing book module sends the integrated data to the sorting module for sorting.

Further, the system further comprises:

a data storage module;

and the data storage module is connected with the sorting module and used for storing the calculation result in the sorting module and finishing the storage of the standing book sorting result.

Further, the system further comprises:

a daily cutting scheduling module;

the daily cutting scheduling module is respectively connected with the transaction module, the standing book module and the fund module and is used for controlling the operation of the standing book counting and distributing system.

Further, the score clearing module comprises:

the first sorting unit is used for summarizing the capital account information and the customer account information to obtain the amount of money to be settled to the sponsor;

and the second sorting unit is used for carrying out secondary sorting operation on the credit data corresponding to the expiration date or the installment payoff date of each installment in the first sorting unit to obtain the updated amount of money to be settled to the sponsor.

Furthermore, the clearing module adopts a distributed architecture and expands the single-point settlement into distributed computation.

In a second aspect, the present invention provides a credit business based standing book accounting method, which performs a standing book accounting operation according to the system of claim 1, and comprises:

receiving customer account information sent by a transaction module, wherein the customer account information comprises: order information, customer account rate information;

sending the customer account information to an account standing module for data processing;

the standing book module acquires capital account information and capital configuration rules of order information in the capital module and performs data integration;

Further, the method further comprises:

and storing the data subjected to the sorting processing by the sorting module to a data storage module to finish the storage of the tally sorting result.

Further, the step that the standing book module sends the integrated data to the sorting module for sorting processing comprises:

the capital account information and the customer account information are subjected to primary liquidation and summarization to obtain the amount of money to be settled to the sponsor;

and performing secondary sorting operation on credit data corresponding to the expiration date or the installment clearing date of each installment according to the data subjected to the primary sorting processing to obtain the updated amount of money to be settled to the sponsor.

In a third aspect, the present invention provides an electronic device, which includes a memory, a processor and a computer program stored in the memory and running on the processor, wherein the processor executes the program to implement the steps of the credit service-based ledger accounting method provided by the second aspect.

In a fourth aspect, the present invention provides a non-transitory computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the credit service based ledger accounting method provided by the second aspect.

According to the invention, through the flow of the whole credit business ledger clearing system, each module event has a clearing sequence before and after, each event is provided with an ID, out-of-order execution is avoided, the order flow events are guaranteed to carry out clearing calculation at a correct time point, the flow orderliness is guaranteed, and data inconsistency and abnormal conditions are avoided.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is a block diagram of a credit accounting system framework for credit services according to an embodiment of the present invention;

FIG. 2 is a block diagram of an overall ledger accounting system framework for credit services provided by an embodiment of the present invention;

FIG. 3 is a block diagram of a score module apparatus according to an embodiment of the present invention;

FIG. 4 is a flow chart of a machine-account accounting method for credit services according to an embodiment of the present invention;

fig. 5 is a flow chart of the primary accounting of the machine account accounting system of the credit business provided by the embodiment of the invention;

fig. 6 is a flow chart of secondary accounting of the standing book accounting system of credit business provided by the embodiment of the invention;

fig. 7 is a block diagram of an electronic device according to an embodiment of the present invention.

Detailed Description

In order to make the technical solutions better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only partial embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

It should be noted that the terms "first," "second," and the like in the description and claims of this application and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It should be understood that the data so used may be interchanged under appropriate circumstances such that embodiments of the application described herein may be used. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.

With the development of credit services in recent years, many companies have begun to conduct business collaboration with other parties. Due to the fact that the customer account and the sponsor account of most systems are not in the same system and environment, the problems that data are inconsistent, disorder and abnormal reminding often occur when fund clearing is conducted among credit business companies are caused. In order to solve the above problem, an embodiment of the present invention provides a machine account checking system based on credit business. As shown in fig. 1, the system includes:

a transaction module 101, configured to generate customer account information, where the customer account information includes: order information, customer account rate information;

the account standing module 102 is used for processing credit business data information;

the fund module 103 is used for storing fund account information and fund configuration rules of the order information in the transaction module;

the sorting module 104 is used for sorting data information in the platform account module;

the transaction module 101 sends the customer account information to the standing book module 102 for data processing;

the standing book module 102 acquires capital account information and capital configuration rules of the order information in the capital module 103 to complete integration;

the standing book module 102 sends the integrated data to the sorting module 104 for sorting.

Specifically, in fig. 1, it can be seen that the

serial numbers

1, 2, and 3 used between the transaction module 101 to the standing book module 102, the standing book module 102 to the fund module 103, and between the standing book module 102 to the sorting module 104 represent the execution order, so that the sorting calculation is performed based on the strict event number, each event has an ID, and the ID interval of 1 is increased by itself, thereby avoiding out-of-order execution, and ensuring that the order flow events are subjected to the sorting calculation at the correct time point.

The transaction module 101 is a module for generating a customer account, and generates order information and customer account rate information, and synchronizes a repayment plan of a customer to the ledger module 102; the fund module 103 stores fund account information of the order of the transaction system, and also stores a fund allocation center required by the fund account liquidation calculation. The fund configuration center is configured with the rate and the calculation mode of the settlement fee; the sorting module adopts a distributed architecture, so that the system paralysis caused by the single point failure is avoided.

Based on the content of the foregoing embodiments, as an alternative embodiment: as in fig. 2, the system further comprises:

a data storage module 105;

the data storage module 105 is connected to the tally module 104, and is configured to store the calculation result in the tally module 104, and complete the storage of the ledger tally result.

The system further comprises:

a daily cutting scheduling module 100;

the daily cutting scheduling module 100 is respectively connected with the transaction module 101, the standing book module 102 and the fund module 103, and is used for controlling the operation of the standing book accounting system.

Specifically, fig. 2 is a framework diagram of an overall ledger accounting system for credit business provided by the embodiment of the present invention. The daily cutting scheduling module 100 is connected to the transaction module 101, the standing book module 102, and the fund module 103, respectively, and controls the operations of the whole standing book sorting system, including the direct interaction sequence of the system, the exception waiting, the event notification function, and the like. Also included in FIG. 2 is a data storage module 105; the data storage module 105 is connected to the score counting module 104 and is configured to store the calculation result in the score counting module 104, complete the storage of the ledger score counting result, and facilitate subsequent data analysis and data difference comparison.

Based on the content of the foregoing embodiments, as an alternative embodiment: as shown in fig. 3, the score sorting module includes:

a first tallying unit 1031, configured to summarize the fund account information and the customer account information to obtain an amount of money to be settled to the sponsor;

and the second sorting unit 1032 is used for performing secondary sorting operation on the credit data corresponding to the expiration date or the installment payback date of each installment in the first sorting unit to obtain the updated amount of money to be settled to the sponsor.

Specifically, the liquidation module in the embodiment of the present invention includes a first liquidation unit 1031 and a second liquidation unit 1032, which are respectively configured to perform primary liquidation and secondary liquidation on data in the ledger liquidation system, where the primary liquidation mainly performs summary of capital accounts and customer accounts, and settles out the amount of money (the sum of the capital interest of the capital) settled to the sponsor, the secondary liquidation performs secondary liquidation operation on the due date of each branch or when the branch is cleared back, and pushes the order and the data of the branch to the liquidation module 103 for liquidation, and after a calculation result is returned to the ledger liquidation system, the compensation mark is updated, and the amount of money (including the additional charge calculation amount) settled to the sponsor is updated. It should be noted that the compensation standard: the mark fields of the stages are divided into compensation and partial lubrication, and actual compensation and actual partial lubrication.

According to the embodiment of the invention, the whole platform account checking system is used for calculating, all the rate information is in a system configuration mode, and the problem that rate change cannot be immediately effective due to the use of a hard coding mode is avoided.

Based on the content of the foregoing embodiments, as an alternative embodiment: the clearing module adopts a distributed architecture and expands the single-point settlement into distributed computation.

Specifically, the sorting module adopts a distributed computing processing mode, single-point settlement is expanded into distributed computing, and the condition that the system cannot be used due to the fact that the single-point system is insufficient in processing capacity, system faults and the like is avoided.

According to another aspect of the present invention, an embodiment of the present invention provides a credit business-based ledger accounting method, and referring to fig. 4, fig. 4 is a flowchart illustrating a credit business ledger accounting method provided by an embodiment of the present invention, where the method includes:

step S401, customer account information sent by the transaction module is received, and the customer account information includes: order information, customer account rate information;

step S402, sending the customer account information to the standing book module for data processing;

step S403, the standing book module acquires capital account information and capital configuration rules of order information in the capital module to perform data integration;

and S404, the standing book module sends the integrated data to the sorting module for sorting.

Specifically, the specific process of implementing the functions of the steps included in the method of this embodiment may refer to the related description in the corresponding system embodiment, and is not described herein again.

Based on the content of the foregoing embodiments, as an alternative embodiment: the platform account module sends the integrated data to the sorting module for sorting processing, and the sorting processing comprises the following steps:

Specifically, the first time of score clearing is as shown in fig. 5:

the transaction device pushes customer account information to the standing book device for data processing, and meanwhile, the standing book device configures fund order data and fund device accounting cost of the fund device and integrates the data.

The platform account pushes the integrated data to the liquidation device for liquidation calculation, the EAD (the amount of money to be paid to the sponsor) is calculated in the calculation process, the contract asset (the amount of money to be paid to the buyer) is calculated, and the customer account and others (including the period, various charge information of the order, the mark information and the date information) are calculated.

And performing data integration in the previous step, and simultaneously performing data storage through a data storage module.

Secondary sorting, as shown in fig. 6:

and performing second clearing operation on the basis of the data after the first clearing calculation on the due date of each stage or the stage is cleared, pushing the order and the stage data to a clearing module for clearing, and after a calculation result is returned to the standing book clearing system, updating the compensation mark by the standing book clearing system and updating the amount of second clearing EAD (amount of money to be paid to the sponsor). And finally, storing the data through a data storage module. Wherein, the compensation mark: the mark fields of the stages are divided into compensation and partial lubrication, and actual compensation and actual partial lubrication.

The transmission of the interactive parameters between the standing book device and the sorting device in the embodiment of the invention adopts a mode of avoiding transparent transmission, for example: the method needs to calculate a plurality of records, each parameter needs some parameters owned by the system, but only a calculation result is obtained after the return, the original request parameter is not available, and if the clearing device is allowed to pass back, the request parameter needed to be stored is wrong if the clearing device is not reliably modified. Therefore, the embodiment of the invention adopts the strict consistency of the request sequence and the return sequence, matches the array position of the request record with the return result, and obtains the parameter of the matched request record for storage.

Fig. 7 is a block diagram of an electronic device according to an embodiment of the present invention, and as shown in fig. 7, the electronic device includes: a processor 701, a memory 702, and a bus 703;

the processor 701 and the memory 702 complete mutual communication through the bus 703; the processor 701 is configured to call program instructions in the memory 702 to perform the credit service based ledger accounting method provided by the above-described embodiments, including, for example: receiving customer account information sent by a transaction module, wherein the customer account information comprises: order information, customer account rate information; sending the customer account information to an account standing module for data processing; the standing book module acquires capital account information and capital configuration rules of order information in the capital module and performs data integration; and the standing book module sends the integrated data to the sorting module for sorting.

Embodiments of the present invention provide a non-transitory computer readable storage medium having stored thereon a computer program that, when executed by a processor, performs the steps of a credit service based ledger accounting method. Examples include: receiving customer account information sent by a transaction module, wherein the customer account information comprises: order information, customer account rate information; sending the customer account information to an account standing module for data processing; the standing book module acquires capital account information and capital configuration rules of order information in the capital module and performs data integration; and the standing book module sends the integrated data to the sorting module for sorting.

The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.

Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods of the various embodiments or some parts of the embodiments.

Finally, the principle and the implementation of the present invention are explained by applying the specific embodiments in the present invention, and the above description of the embodiments is only used to help understanding the method and the core idea of the present invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A credit transaction based ledger inventory system, the system comprising:

2. The system of claim 1, further comprising:

a data storage module;

3. The system of claim 1, further comprising:

a daily cutting scheduling module;

4. The system of claim 1, wherein the scoring module comprises:

5. The system of claim 1, wherein the liquidation module employs a distributed architecture to extend single point settlement into distributed computing.

6. A credit transaction based ledger accounting method, characterized in that said method performs ledger accounting operations according to the system of claim 1, comprising:

7. The method of claim 6, further comprising:

8. The method of claim 6, wherein the step of sending the integrated data to the tally module for tally processing by the standing book module comprises:

9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program performs the steps of the credit service based ledger accounting method of any one of claims 6 to 8.

10. A non-transitory computer readable storage medium having stored thereon a computer program, wherein the computer program when executed by a processor implements the steps of the credit service based ledger accounting method of any one of claims 6 to 8.