CN111724245A - Credit card financing method and system - Google Patents
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Abstract
The invention discloses a credit card financing method and a credit card financing system, and relates to the technical field of computers. One embodiment of the method comprises: receiving a financing request, wherein financing refers to securitization of assets; determining a credit card asset securitization scheme based on the credit card type and the financing amount indicated in the financing request; adjusting financial information and accounting information corresponding to at least one level of user account according to the credit card asset securitization scheme; updating the account amount of the user account according to the adjusted financial information and the accounting information to obtain a service processing result; and generating a financial accounting record according to the service processing result, so that the credit card financing and accounting processing system performs accounting processing on the financial accounting record to realize securitization of the credit card assets. The implementation mode simplifies the credit card financing process, enlarges the coverage of the financed credit card assets and improves the credit card financing efficiency.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a credit card financing method and a credit card financing system.
Background
The credit card asset securitization is a security issued by using credit card receivable as a basic asset, namely, the credit card receivable which cannot be presented at any time and has poor liquidity and is held by an issuer is divided and combined into a large asset pool again, then the large asset pool is transferred to a special-purpose carrier, and the special-purpose carrier issues asset support certificates by using stable asset pool funds as a guarantee so as to recover the receivable and enhance liquidity.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:
1. the existing credit card financing method has more complex flow and low credit card financing efficiency;
2. only specific credit card types are supported for financing, the whole credit card assets cannot be covered, and the coverage area of the financable credit card assets is narrow.
Disclosure of Invention
In view of this, embodiments of the present invention provide a credit card financing method and system, which can simplify a credit card financing process, expand a credit card asset coverage of financing, and improve credit card financing efficiency.
To achieve the above object, according to a first aspect of embodiments of the present invention, there is provided a credit card financing service processing system including:
the system comprises a financing request receiving unit, a financing request sending unit and a financing processing unit, wherein the financing request receiving unit is used for receiving a financing request sent by a credit card financing initiating system, and financing refers to securitization of assets;
a service processing unit for determining a credit card asset securitization scheme based on the credit card type and the financing amount indicated in the financing request; adjusting financial information and accounting information corresponding to at least one level of user account according to the credit card asset securitization scheme; updating the account amount of the user account according to the adjusted financial information and accounting information to obtain a service processing result, wherein the corresponding hierarchy of the user account comprises a client layer, an account layer and a card layer;
and the financial accounting record generating unit is used for generating a financial accounting record according to the service processing result so that the credit card financing and accounting processing system performs accounting processing on the financial accounting record to realize securitization of credit card assets.
Further, the credit card financing service processing system further comprises a verification unit, after the step of receiving the financing request sent by the credit card financing initiation system, the verification unit is used for verifying the user information indicated in the financing request.
Further, the financial accounting record generating unit is also used for generating a processing report according to the business processing result and sending the processing report to the credit card financing initiating system.
Further, the financing request also indicates the financing time, the number of the financing parties and the financing identification.
Further, the financial records indicate account information and financing information.
According to a second aspect of an embodiment of the present invention, there is provided a credit card financing accounting processing system including:
the financial accounting record receiving unit is used for receiving the financial accounting record sent by the credit card financing service processing system;
the business scene determining unit is used for determining a business scene according to the recording content corresponding to the financial accounting record;
and the accounting processing unit is used for carrying out accounting processing on the financial accounting record according to the service scene, the credit card accounting parameters and the accounting report form to generate an accounting entry so as to realize securitization of the credit card assets.
Further, the accounting processing unit is further configured to:
matching the financial accounting records with credit card billing parameters based on the service scene to obtain a matching result, wherein the credit card billing parameters comprise credit card billing service configuration parameters and billing type parameters, and the matching result comprises an operation type matching result and a money amount type matching result corresponding to credit card asset securitization;
mapping according to the matching result and the accounting report to obtain accounting subjects;
and generating a bookkeeping entry according to the bookkeeping subjects.
Furthermore, the credit card financing and accounting processing system also comprises a splitting unit, and after the step of generating the accounting entry, the splitting unit is used for splitting the accounting entry into an accounting entry report and a financial accounting report.
According to a third aspect of embodiments of the present invention, there is provided a credit card financing system comprising: a credit card financing initiation system, a credit card financing service processing system and a credit card financing accounting processing system, wherein,
the credit card financing initiating system is used for sending a financing request to the credit card financing service processing system;
the credit card financing service processing system is used for receiving a financing request sent by the credit card financing initiating system, wherein financing refers to asset securitization; determining a credit card asset securitization scheme based on the credit card type and the financing amount indicated in the financing request; adjusting financial information and accounting information corresponding to at least one level of user account according to the credit card asset securitization scheme; updating the account amount of the user account according to the adjusted financial information and accounting information to obtain a service processing result, wherein the corresponding hierarchy of the user account comprises a client layer, an account layer and a card layer; generating financial accounting records according to the service processing result;
the credit card financing and accounting processing system is used for receiving financial accounting records sent by the credit card financing service processing system; determining a business scene according to the record content corresponding to the financial accounting record; and carrying out accounting processing on the accounting record according to the service scene, the credit card accounting parameters and the accounting report, and generating an accounting entry so as to realize securitization of the credit card assets.
According to a fourth aspect of the embodiments of the present invention, there is provided a credit card financing method applied to a credit card financing service processing system, including:
receiving a financing request initiated by a credit card financing initiation system, wherein financing refers to securitization of assets;
determining a credit card asset securitization scheme based on the credit card type and the financing amount indicated in the financing request; adjusting financial information and accounting information corresponding to at least one level of user account according to the credit card asset securitization scheme; updating the account amount of the user account according to the adjusted financial information and accounting information to obtain a service processing result, wherein the corresponding hierarchy of the user account comprises a client layer, an account layer and a card layer;
and generating a financial accounting record according to the service processing result, so that the credit card financing and accounting processing system performs accounting processing on the financial accounting record to realize securitization of the credit card assets.
According to a fifth aspect of the embodiments of the present invention, there is provided a credit card financing method applied to a credit card financing accounting processing system, including:
receiving financial accounting records sent by a credit card financing service processing system;
determining a business scene according to the record content corresponding to the financial accounting record;
and carrying out accounting processing on the accounting record according to the service scene, the credit card accounting parameters and the accounting report, and generating an accounting entry so as to realize securitization of the credit card assets.
According to a sixth aspect of the embodiments of the present invention, there is provided an electronic apparatus including:
one or more processors;
a storage device for storing one or more programs,
when executed by one or more processors, cause the one or more processors to implement any of the credit card financing methods described above.
According to a seventh aspect of embodiments of the present invention, there is provided a computer-readable medium having stored thereon a computer program which, when executed by a processor, implements any one of the above-described credit card financing methods.
One embodiment of the above invention has the following advantages or benefits: because the credit card financing initiating system is adopted to send the financing request to the credit card financing service processing system; a credit card financing service processing system receives a financing request sent by a credit card financing initiating system, wherein financing refers to securitization of assets; determining a credit card asset securitization scheme based on the credit card type and the financing amount indicated in the financing request; adjusting financial information and accounting information corresponding to at least one level of user account according to the credit card asset securitization scheme; updating the account amount of the user account according to the adjusted financial information and accounting information to obtain a service processing result, wherein the corresponding hierarchy of the user account comprises a client layer, an account layer and a card layer; generating financial accounting records according to the service processing result; the credit card financing and accounting processing system receives financial accounting records sent by the credit card financing service processing system; determining a business scene according to the record content corresponding to the financial accounting record; according to the service scene, the credit card accounting parameters and the accounting report forms, accounting processing is carried out on financial accounting records to generate accounting entries so as to realize the technical means of securitization of credit card assets, so that the technical means that the existing credit card financing method is complex in flow and low in credit card financing efficiency is overcome; and because only supporting the specific credit card type to carry on the financing, can't cover all credit card assets, lead to the technical matter that the cover surface of the credit card assets that can be financed is narrower, and then reach and simplify the credit card financing procedure, expand the cover surface of the credit card assets financed, promote the technical effect of the credit card financing efficiency.
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 the main framework of a credit card financing service processing system provided in accordance with an embodiment of the present invention;
FIG. 2 is a schematic diagram of the main framework of a credit card financing accounting processing system provided according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of the main framework of a credit card financing system provided in accordance with an embodiment of the present invention;
FIG. 4 is a schematic diagram illustrating the main flow of a credit card financing method according to a first embodiment of the present invention;
FIG. 5 is a schematic diagram illustrating the main flow of a credit card financing method according to a second embodiment of the present invention;
FIG. 6 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 7 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.
FIG. 1 is a schematic diagram of the main framework of a credit card financing service processing system provided in accordance with an embodiment of the present invention; as shown in fig. 1, a credit card financing service processing system 100 provided by the embodiment of the present invention mainly includes:
a financing request receiving unit 101, configured to receive a financing request sent by a credit card financing initiation system, where financing refers to securitization of assets.
Specifically, according to the embodiment of the present invention, the number of the credit card financing initiation systems may be multiple (greater than or equal to two), the credit card financing initiation system receives the relevant information that the user needs to perform the securitization of the credit card asset, and combines the relevant information into a financing request, that is, a securitization request of the credit card asset, and the financing request receiving unit 101 receives the financing request, so as to perform subsequent processing on the financing request, thereby completing the securitization process of the credit card asset.
According to the embodiment of the invention, the financing request also indicates the financing time, the number of the financing parties and the financing identification. Wherein, the financing time refers to the securitization transaction date of the assets.
Each credit card asset securitization user corresponds to a financing request, and the structure attribute of the financing request is shown in the following table:
further, according to the embodiment of the present invention, the credit card financing service processing system 100 further includes a verification unit, and after the step of receiving the financing request sent by the credit card financing initiation system, the verification unit is configured to verify the user information indicated in the financing request.
Specifically, the subsequent flow can be continued only if the verification passes; in case of not passing the verification, the user can avoid part or all risks through operations of credit rating increase and the like, and can initiate financing request again through a credit card initiating mechanism by adjusting the credit card type or corresponding limit corresponding to the securitization of the credit card assets.
A business processing unit 102 for determining a credit card asset securitization scheme based on the credit card type and the financing amount indicated in the financing request; adjusting financial information and accounting information corresponding to at least one level of user account according to the credit card asset securitization scheme; and updating the account amount of the user account according to the adjusted financial information and accounting information to obtain a service processing result, wherein the hierarchy corresponding to the user account comprises a client layer, an account layer and a card layer.
Specifically, according to the embodiment of the present invention, the business processing unit 102 first determines a credit card asset securitization scheme according to the credit card type (including bad credit cards, installled credit cards, etc.) and the financing amount, and the credit card asset securitization scheme further includes a related processing method of the securitization redemption business of the credit card asset, by which the coverage of the financed credit card asset is enlarged, and further, the functions (such as financing efficiency, risk reduction, etc.) of securitization with the credit card as the asset are better covered and realized.
Then, the business processing unit 102 adjusts and processes the financial information and accounting information corresponding to the user account of at least one hierarchy according to the credit card asset securitization scheme. Specifically, the method updates the account information of a user account in a user layer (also called a client layer) and an account layer multi-level (also called a multi-dimension) first, then changes the account accounting state, and updates the principal, cost, interest balance and other components of the account layer according to the updated accounting state to obtain a business processing result. Through the steps, the financial information and accounting information of the multi-level (or multi-dimension) user account are subjected to corresponding business processing, so that the securitization process of the credit card assets is simplified, and the user experience is improved.
And the financial accounting record generating unit 103 is used for generating a financial accounting record according to the service processing result, so that the credit card financing accounting processing system performs accounting processing on the financial accounting record to realize securitization of credit card assets.
Through the steps, the accounting records obtained by the credit card financing service processing system 100 are sent to the credit card financing and accounting processing system for corresponding accounting processing, so that securitization of credit card assets is realized, the credit card financing service processing process and the accounting processing process are decoupled, the securitization safety of the credit card assets is further improved, the securitization risk of the credit card assets is reduced, and the securitization efficiency of the credit card assets is improved.
Specifically, according to an embodiment of the present invention, the financial records indicate account information and financing information. According to a specific implementation fee manner of the embodiment of the present invention, the account information includes the account currency, the account type (also called credit card type), and the related information of the transaction counterpart, etc.; the financing information includes financing amount, batch number, relevant information of financing transaction, etc.
According to an embodiment of the present invention, the structure attribute indicated by the financial record is as follows:
further, according to the embodiment of the present invention, the accounting record generating unit is further configured to generate a processing report according to the service processing result, and send the processing report to the credit card financing initiation system.
Specifically, according to the embodiment of the present invention, the processed report may be a later-stage maintenance report for reference in subsequent maintenance processing; and also as a view for the credit card financing initiation system.
According to the technical scheme of the embodiment of the invention, the credit card financing service processing system is adopted to receive the financing request sent by the credit card financing initiating system, wherein financing refers to securitization of assets; determining a credit card asset securitization scheme based on the credit card type and the financing amount indicated in the financing request; adjusting financial information and accounting information corresponding to at least one level of user account according to the credit card asset securitization scheme; updating the account amount of the user account according to the adjusted financial information and accounting information to obtain a service processing result, wherein the corresponding hierarchy of the user account comprises a client layer, an account layer and a card layer; generating financial accounting records according to the service processing result, so that the credit card financing and accounting processing system performs accounting processing on the financial accounting records to realize the technical means of securitization of credit card assets, thereby overcoming the defects of complex flow and low credit card financing efficiency of the existing credit card financing method; and because only supporting the specific credit card type to carry on the financing, can't cover all credit card assets, lead to the technical matter that the cover surface of the credit card assets that can be financed is narrower, and then reach and simplify the credit card financing procedure, expand the cover surface of the credit card assets financed, promote the technical effect of the credit card financing efficiency.
FIG. 2 is a schematic diagram of the main framework of a credit card financing accounting processing system provided according to an embodiment of the present invention; as shown in fig. 2, a credit card financing service processing system 200 provided by the embodiment of the present invention mainly includes:
a financial record receiving unit 201, configured to receive a financial record sent by the credit card financing service processing system.
Through the above steps, the credit card financing service processing system 200 receives the accounting record from the credit card financing service processing system 100, and then performs corresponding accounting processing, thereby realizing securitization of credit card assets, and decoupling the credit card financing service processing process and the accounting processing process, further improving the security of securitization of credit card assets, reducing the risk of securitization of credit card assets, and improving the securitization efficiency of credit card assets.
And a service scenario determining unit 202, configured to determine a service scenario according to the recording content corresponding to the financial accounting record.
Whether a corresponding business scene exists is verified according to the recording content (the content indicated in the structure body attribute mentioned above) corresponding to the financial accounting record, and under the condition that the business scene is determined, the method is favorable for further simplifying the credit card asset securitization process and improving the credit card asset securitization efficiency.
And the accounting processing unit 203 is used for performing accounting processing on the financial accounting record according to the service scene, the credit card accounting parameters and the accounting report, and generating an accounting entry so as to realize securitization of the credit card assets.
Specifically, according to an embodiment of the present invention, the aforementioned accounting processing unit is further configured to:
matching the financial accounting records with credit card billing parameters based on the service scene to obtain a matching result, wherein the credit card billing parameters comprise credit card billing service configuration parameters and billing type parameters, and the matching result comprises an operation type matching result and a money amount type matching result corresponding to credit card asset securitization;
mapping according to the matching result and the accounting report to obtain accounting subjects;
and generating a bookkeeping entry according to the bookkeeping subjects.
Preferably, according to a specific implementation manner of the embodiment of the present invention, based on the business scenario, the financial accounting record is criticized with the credit card billing service configuration parameter and the billing type parameter, and a corresponding operation type and amount type matching result is generated. Then, the operation type and amount type matching result is subjected to content matching with the accounting covering edge, mapping between the matching result and the accounting subject specified by the country is achieved, and the mapped accounting subject is obtained; and finally, generating a bookkeeping entry corresponding to the securitized accounting record of the credit card assets according to the bookkeeping subjects obtained after the mapping processing.
The bookkeeping entry refers to a record indicating accounts to be borrowed and credited and the amount of money for securitized transactions or items of the credit card assets, and is called an entry for short. Each entry should have three elements of corresponding account name, accounting direction and amount.
Further, according to the embodiment of the present invention, the credit card financing accounting processing system 200 further includes a splitting unit, after the step of generating the accounting entry, the splitting unit is configured to split the accounting entry into an accounting entry report and a financial accounting report.
Through the arrangement, the accounting entry is split into the report forms, so that the credit card financing initiating system can check the report forms, and the user experience is improved.
According to the technical scheme of the embodiment of the invention, the financial accounting record sent by the credit card financing service processing system is received by the credit card financing accounting processing system; determining a business scene according to the record content corresponding to the financial accounting record; according to the service scene, the credit card accounting parameters and the accounting report forms, accounting processing is carried out on financial accounting records to generate accounting entries so as to realize the technical means of securitization of credit card assets, so that the technical means that the existing credit card financing method is complex in flow and low in credit card financing efficiency is overcome; and because only supporting the specific credit card type to carry on the financing, can't cover all credit card assets, lead to the technical matter that the cover surface of the credit card assets that can be financed is narrower, and then reach and simplify the credit card financing procedure, expand the cover surface of the credit card assets financed, promote the technical effect of the credit card financing efficiency.
FIG. 3 is a schematic diagram of the main framework of a credit card financing system provided in accordance with an embodiment of the present invention; as shown in fig. 3, the credit card financing system 30 provided by the embodiment of the present invention mainly includes:
a credit card financing initiation system 300 for sending a financing request to the credit card financing service processing system 100 through a financing request initiation unit 301.
It should be noted that the number of the credit card financing initiation systems 300 may be plural, and the credit card financing initiation systems may be set up by different securities companies or banks.
A credit card financing service processing system 100 for receiving a financing request sent by a credit card financing initiation system 300, wherein financing refers to securitization of assets; determining a credit card asset securitization scheme based on the credit card type and the financing amount indicated in the financing request; adjusting financial information and accounting information corresponding to at least one level of user account according to the credit card asset securitization scheme; updating the account amount of the user account according to the adjusted financial information and accounting information to obtain a service processing result, wherein the corresponding hierarchy of the user account comprises a client layer, an account layer and a card layer; generates financial accounting records according to the business processing results, and sends the financial accounting records to the credit card financing accounting processing system 200.
According to the embodiment of the invention, the financing request also indicates the financing time, the number of the financing parties and the financing identification.
Further, according to the embodiment of the present invention, the credit card financing service processing system 100 further includes a verification unit, and after the step of receiving the financing request sent by the credit card financing initiation system, the verification unit is configured to verify the user information indicated in the financing request.
Preferably, according to the embodiment of the present invention, the financial accounting record generating unit is further configured to generate a processing report according to the business processing result, and send the processing report to the credit card financing initiation system.
A credit card financing and accounting processing system 200 for receiving financial accounting records sent by the credit card financing service processing system 100; determining a business scene according to the record content corresponding to the financial accounting record; and carrying out accounting processing on the accounting record according to the service scene, the credit card accounting parameters and the accounting report, and generating an accounting entry so as to realize securitization of the credit card assets.
Specifically, according to an embodiment of the present invention, the credit card financing accounting processing system 200 is further configured to:
matching the financial accounting records with credit card billing parameters based on the service scene to obtain a matching result, wherein the credit card billing parameters comprise credit card billing service configuration parameters and billing type parameters, and the matching result comprises an operation type matching result and a money amount type matching result corresponding to credit card asset securitization;
mapping according to the matching result and the accounting report to obtain accounting subjects;
and generating a bookkeeping entry according to the bookkeeping subjects.
Preferably, according to a specific implementation manner of the embodiment of the present invention, based on the business scenario, the financial accounting record is criticized with the credit card billing service configuration parameter and the billing type parameter, and a corresponding operation type and amount type matching result is generated. Then, the operation type and amount type matching result is subjected to content matching with the accounting covering edge, mapping between the matching result and the accounting subject specified by the country is achieved, and the mapped accounting subject is obtained; and finally, generating a bookkeeping entry corresponding to the securitized accounting record of the credit card assets according to the bookkeeping subjects obtained after the mapping processing.
The bookkeeping entry refers to a record indicating accounts to be borrowed and credited and the amount of money for securitized transactions or items of the credit card assets, and is called an entry for short. Each entry should have three elements of corresponding account name, accounting direction and amount.
Further, according to the embodiment of the present invention, the credit card financing accounting processing system 200 further includes a splitting unit, after the step of generating the accounting entry, the splitting unit is configured to split the accounting entry into an accounting entry report and a financial accounting report.
Through the arrangement, the accounting entry is split into the report forms, so that the credit card financing initiating system can check the report forms, and the user experience is improved.
According to the technical scheme of the embodiment of the invention, the credit card financing initiating system is adopted to send the financing request to the credit card financing service processing system; a credit card financing service processing system receives a financing request sent by a credit card financing initiating system, wherein financing refers to securitization of assets; determining a credit card asset securitization scheme based on the credit card type and the financing amount indicated in the financing request; adjusting financial information and accounting information corresponding to at least one level of user account according to the credit card asset securitization scheme; updating the account amount of the user account according to the adjusted financial information and accounting information to obtain a service processing result, wherein the corresponding hierarchy of the user account comprises a client layer, an account layer and a card layer; generating financial accounting records according to the service processing result; the credit card financing and accounting processing system receives financial accounting records sent by the credit card financing service processing system; determining a business scene according to the record content corresponding to the financial accounting record; according to the service scene, the credit card accounting parameters and the accounting report forms, accounting processing is carried out on financial accounting records to generate accounting entries so as to realize the technical means of securitization of credit card assets, so that the technical means that the existing credit card financing method is complex in flow and low in credit card financing efficiency is overcome; and because only supporting the specific credit card type to carry on the financing, can't cover all credit card assets, lead to the technical matter that the cover surface of the credit card assets that can be financed is narrower, and then reach and simplify the credit card financing procedure, expand the cover surface of the credit card assets financed, promote the technical effect of the credit card financing efficiency.
FIG. 4 is a schematic diagram illustrating the main flow of a credit card financing method according to a first embodiment of the present invention; as shown in fig. 4, the credit card financing method provided by the embodiment of the invention mainly includes:
step S401, receiving a financing request initiated by a credit card financing initiation system, wherein financing refers to securitization of assets.
Specifically, according to the embodiment of the present invention, the number of the credit card financing initiation systems may be multiple (greater than or equal to two), and the credit card financing initiation system receives the relevant information that the user needs to securitize the credit card asset, combines the relevant information into a financing request, that is, a credit card asset securitization request, receives the financing request, and performs subsequent processing on the financing request to complete the credit card asset securitization process.
According to the embodiment of the invention, the financing request also indicates the financing time, the number of the financing parties and the financing identification. Wherein, the financing time refers to the securitization transaction date of the assets.
Further, according to an embodiment of the present invention, after the step of receiving a financing request sent by a credit card financing initiation system, the credit card financing method further includes: the user information indicated in the financing request is verified.
Specifically, the subsequent flow can be continued only if the verification passes; in case of not passing the verification, the user can avoid part or all risks through operations of credit rating increase and the like, and can initiate financing request again through a credit card initiating mechanism by adjusting the credit card type or corresponding limit corresponding to the securitization of the credit card assets.
Step S402, determining a credit card asset securitization scheme based on the credit card type and the financing amount indicated in the financing request; adjusting financial information and accounting information corresponding to at least one level of user account according to the credit card asset securitization scheme; and updating the account amount of the user account according to the adjusted financial information and accounting information to obtain a service processing result, wherein the hierarchy corresponding to the user account comprises a client layer, an account layer and a card layer.
Specifically, according to the embodiment of the invention, firstly, a credit card asset securitization scheme is determined according to the type of a credit card (including bad credit cards, installments credit cards and the like) and the financing amount, and the credit card asset securitization scheme also comprises a related processing method of the securitization redemption business of the credit card asset, through the steps, the coverage of the financed credit card asset is enlarged, and further, the functions (such as financing efficiency, risk reduction and the like) of securitization by taking the credit card as the asset are better covered and realized.
And then, adjusting financial information and accounting information corresponding to the user account of at least one hierarchy according to the credit card asset securitization scheme. Specifically, the method updates the account information of a user account in a user layer (also called a client layer) and an account layer multi-level (also called a multi-dimension) first, then changes the account accounting state, and updates the principal, cost, interest balance and other components of the account layer according to the updated accounting state to obtain a business processing result. Through the steps, the financial information and accounting information of the multi-level (or multi-dimension) user account are subjected to corresponding business processing, so that the securitization process of the credit card assets is simplified, and the user experience is improved.
And S403, generating a financial accounting record according to the service processing result, so that the credit card financing and accounting processing system performs accounting processing on the financial accounting record to realize securitization of credit card assets.
Through the steps, after the accounting record is generated, the accounting record is sent to the credit card financing and accounting processing system for corresponding accounting processing, so that securitization of the credit card assets is realized, the business processing process and the accounting processing process of the credit card financing are decoupled, the securitization safety of the credit card assets is further improved, the securitization risk of the credit card assets is reduced, and the securitization efficiency of the credit card assets is improved.
Specifically, according to an embodiment of the present invention, the financial records indicate account information and financing information. According to a specific implementation fee manner of the embodiment of the present invention, the account information includes the account currency, the account type (also called credit card type), and the related information of the transaction counterpart, etc.; the financing information includes financing amount, batch number, relevant information of financing transaction, etc.
Further, according to an embodiment of the present invention, the credit card financing method further includes: and generating a processing report according to the service processing result, and sending the processing report to the credit card financing initiating system.
Specifically, according to the embodiment of the present invention, the processed report may be a later-stage maintenance report for reference in subsequent maintenance processing; and also as a view for the credit card financing initiation system.
According to the technical scheme of the embodiment of the invention, the credit card financing service processing system is adopted to receive the financing request sent by the credit card financing initiating system, wherein financing refers to securitization of assets; determining a credit card asset securitization scheme based on the credit card type and the financing amount indicated in the financing request; adjusting financial information and accounting information corresponding to at least one level of user account according to the credit card asset securitization scheme; updating the account amount of the user account according to the adjusted financial information and accounting information to obtain a service processing result, wherein the corresponding hierarchy of the user account comprises a client layer, an account layer and a card layer; generating financial accounting records according to the service processing result, so that the credit card financing and accounting processing system performs accounting processing on the financial accounting records to realize the technical means of securitization of credit card assets, thereby overcoming the defects of complex flow and low credit card financing efficiency of the existing credit card financing method; and because only supporting the specific credit card type to carry on the financing, can't cover all credit card assets, lead to the technical matter that the cover surface of the credit card assets that can be financed is narrower, and then reach and simplify the credit card financing procedure, expand the cover surface of the credit card assets financed, promote the technical effect of the credit card financing efficiency.
FIG. 5 is a schematic diagram illustrating the main flow of a credit card financing method according to a second embodiment of the present invention; as shown in fig. 5, the credit card financing method provided by the embodiment of the invention mainly includes:
step S501, receiving financial accounting records sent by the credit card financing service processing system.
Through the steps, after the accounting records are received from the credit card financing service processing system, the corresponding accounting processing is carried out, so that the securitization of the credit card assets is realized, the credit card financing service processing process and the accounting processing process are decoupled, the securitization safety of the credit card assets is further improved, the securitization risk of the credit card assets is reduced, and the securitization efficiency of the credit card assets is improved.
Step S502, determining a business scene according to the record content corresponding to the financial accounting record.
Whether a corresponding business scene exists is verified according to the recording content (the content indicated in the structure body attribute mentioned above) corresponding to the financial accounting record, and under the condition that the business scene is determined, the method is favorable for further simplifying the credit card asset securitization process and improving the credit card asset securitization efficiency.
And step S503, carrying out accounting processing on the accounting record according to the service scene, the credit card accounting parameters and the accounting report, and generating an accounting entry so as to realize securitization of the credit card assets.
Specifically, according to the embodiment of the present invention, the step of performing accounting processing on the accounting record according to the service scenario, the credit card accounting parameter, and the accounting report, and generating the accounting entry further includes:
matching the financial accounting records with credit card billing parameters based on the service scene to obtain a matching result, wherein the credit card billing parameters comprise credit card billing service configuration parameters and billing type parameters, and the matching result comprises an operation type matching result and a money amount type matching result corresponding to credit card asset securitization;
mapping according to the matching result and the accounting report to obtain accounting subjects;
and generating a bookkeeping entry according to the bookkeeping subjects.
Preferably, according to a specific implementation manner of the embodiment of the present invention, based on the business scenario, the financial accounting record is criticized with the credit card billing service configuration parameter and the billing type parameter, and a corresponding operation type and amount type matching result is generated. Then, the operation type and amount type matching result is subjected to content matching with the accounting covering edge, mapping between the matching result and the accounting subject specified by the country is achieved, and the mapped accounting subject is obtained; and finally, generating a bookkeeping entry corresponding to the securitized accounting record of the credit card assets according to the bookkeeping subjects obtained after the mapping processing.
The bookkeeping entry refers to a record indicating accounts to be borrowed and credited and the amount of money for securitized transactions or items of the credit card assets, and is called an entry for short. Each entry should have three elements of corresponding account name, accounting direction and amount.
Further, according to an embodiment of the present invention, after the step of generating the accounting entry, the credit card financing method further includes: and splitting the accounting entry into an accounting entry report and a financial accounting report.
Through the arrangement, the accounting entry is split into the report forms, so that the credit card financing initiating system can check the report forms, and the user experience is improved.
According to the technical scheme of the embodiment of the invention, the financial accounting record sent by the credit card financing service processing system is received by the credit card financing accounting processing system; determining a business scene according to the record content corresponding to the financial accounting record; according to the service scene, the credit card accounting parameters and the accounting report forms, accounting processing is carried out on financial accounting records to generate accounting entries so as to realize the technical means of securitization of credit card assets, so that the technical means that the existing credit card financing method is complex in flow and low in credit card financing efficiency is overcome; and because only supporting the specific credit card type to carry on the financing, can't cover all credit card assets, lead to the technical matter that the cover surface of the credit card assets that can be financed is narrower, and then reach and simplify the credit card financing procedure, expand the cover surface of the credit card assets financed, promote the technical effect of the credit card financing efficiency.
Fig. 6 illustrates an exemplary system architecture 600 of a credit card financing method or system to which embodiments of the invention may be applied.
As shown in fig. 6, the system architecture 600 may include terminal devices 601, 602, 603, a network 604 and a server 605 (this architecture is merely an example, and the components included in a specific architecture may be adjusted according to the specific application). The network 604 serves to provide a medium for communication links between the terminal devices 601, 602, 603 and the server 605. Network 604 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.
A user may use the terminal devices 601, 602, 603 to interact with the server 605 via the network 604 to receive or send messages or the like. The terminal devices 601, 602, 603 may have installed thereon various communication client applications, such as shopping applications, web browser applications, search applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).
The terminal devices 601, 602, 603 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 605 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 601, 602, 603. The back-end management server may analyze and perform other processing on the received data such as the financing request, and feed back the processing result (such as a business processing result, a financial accounting record-just an example) to the terminal device.
It should be noted that the credit card financing method provided by the embodiment of the invention is generally executed by the server 605, and accordingly, the credit card financing system is generally disposed in the server 605.
It should be understood that the number of terminal devices, networks, and servers in fig. 6 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 7, shown is a block diagram of a computer system 700 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 7 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. 7, the computer system 700 includes a Central Processing Unit (CPU)701, which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data necessary for the operation of the system 700 are also stored. The CPU 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.
The following components are connected to the I/O interface 705: an input portion 706 including a keyboard, a mouse, and the like; an output section 707 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 708 including a hard disk and the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read out therefrom is mounted into the storage section 708 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 can be downloaded and installed from a network through the communication section 709, and/or installed from the removable medium 711. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 701.
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 unit, 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 units described in the embodiments of the present invention may be implemented by software or hardware. The described units may also be provided in a processor, and may be described as: a processor includes a financing request receiving unit, a business processing unit, and a financial accounting record generating unit. Where the names of these units do not in some cases constitute a limitation on the units themselves, for example, the financing request receiving unit may also be described as a "unit for receiving a financing request sent by a credit card financing initiation system, where financing refers to the securitization of an asset".
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: receiving a financing request initiated by a credit card financing initiation system, wherein financing refers to securitization of assets; determining a credit card asset securitization scheme based on the credit card type and the financing amount indicated in the financing request; adjusting financial information and accounting information corresponding to at least one level of user account according to the credit card asset securitization scheme; updating the account amount of the user account according to the adjusted financial information and accounting information to obtain a service processing result, wherein the corresponding hierarchy of the user account comprises a client layer, an account layer and a card layer; and generating a financial accounting record according to the service processing result, so that the credit card financing and accounting processing system performs accounting processing on the financial accounting record to realize securitization of the credit card assets.
According to the technical scheme of the embodiment of the invention, the credit card financing initiating system is adopted to send the financing request to the credit card financing service processing system; a credit card financing service processing system receives a financing request sent by a credit card financing initiating system, wherein financing refers to securitization of assets; determining a credit card asset securitization scheme based on the credit card type and the financing amount indicated in the financing request; adjusting financial information and accounting information corresponding to at least one level of user account according to the credit card asset securitization scheme; updating the account amount of the user account according to the adjusted financial information and accounting information to obtain a service processing result, wherein the corresponding hierarchy of the user account comprises a client layer, an account layer and a card layer; generating financial accounting records according to the service processing result; the credit card financing and accounting processing system receives financial accounting records sent by the credit card financing service processing system; determining a business scene according to the record content corresponding to the financial accounting record; according to the service scene, the credit card accounting parameters and the accounting report forms, accounting processing is carried out on financial accounting records to generate accounting entries so as to realize the technical means of securitization of credit card assets, so that the technical means that the existing credit card financing method is complex in flow and low in credit card financing efficiency is overcome; and because only supporting the specific credit card type to carry on the financing, can't cover all credit card assets, lead to the technical matter that the cover surface of the credit card assets that can be financed is narrower, and then reach and simplify the credit card financing procedure, expand the cover surface of the credit card assets financed, promote the technical effect of the credit card financing efficiency.
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 (13)
1. A credit card financing service processing system, comprising:
the system comprises a financing request receiving unit, a financing request sending unit and a financing processing unit, wherein the financing request receiving unit is used for receiving a financing request sent by a credit card financing initiating system, and financing refers to securitization of assets;
the service processing unit is used for determining a credit card asset securitization scheme based on the credit card type and the financing amount indicated in the financing request; adjusting financial information and accounting information corresponding to at least one level of user account according to the credit card asset securitization scheme; updating the account amount of the user account according to the adjusted financial information and accounting information to obtain a service processing result, wherein the corresponding hierarchy of the user account comprises a client layer, an account layer and a card layer;
and the financial accounting record generating unit is used for generating a financial accounting record according to the service processing result so that the credit card financing accounting processing system accounts the financial accounting record to realize the securitization of the credit card assets.
2. The credit card financing service processing system according to claim 1, characterized in that the credit card financing service processing system further comprises a verification unit for verifying the user information indicated in the financing request after the step of receiving the financing request sent by the credit card financing initiation system.
3. The credit card financing service processing system according to claim 1, wherein the financial accounting record generation unit is further configured to generate a processed report form according to the service processing result and send the processed report form to the credit card financing initiation system.
4. The credit card financing service processing system according to claim 1, wherein the financing request further indicates financing time, financing party number and financing identification.
5. The credit card financing service processing system of claim 1, wherein the financial records indicate account information and financing information.
6. A credit card financing accounting processing system, comprising:
the financial accounting record receiving unit is used for receiving the financial accounting record sent by the credit card financing service processing system;
a service scene determining unit, configured to determine a service scene according to the recording content corresponding to the financial accounting record;
and the accounting processing unit is used for carrying out accounting processing on the financial accounting record according to the service scene, the credit card accounting parameters and the accounting report form to generate an accounting entry so as to realize securitization of the credit card assets.
7. The credit card financing billing processing system of claim 6, wherein the billing processing unit is further configured to:
matching the financial accounting records with credit card accounting parameters based on the service scene to obtain a matching result, wherein the credit card accounting parameters comprise credit card accounting service configuration parameters and accounting type parameters, and the matching result comprises an operation type matching result and an amount type matching result corresponding to securitization of credit card assets;
mapping according to the matching result and the accounting report to obtain accounting subjects;
and generating the accounting entry according to the accounting subjects.
8. The credit card financing accounting processing system according to claim 6, further comprising a splitting unit for splitting the accounting entry into an accounting entry report form and a financial accounting report form after the step of generating an accounting entry.
9. A credit card financing system comprising: a credit card financing initiation system, a credit card financing service processing system and a credit card financing accounting processing system, wherein,
the credit card financing initiating system is used for sending a financing request to the credit card financing service processing system;
the credit card financing service processing system is used for receiving a financing request sent by the credit card financing initiating system, wherein financing refers to asset securitization; determining a credit card asset securitization scheme based on the credit card type and the financing amount indicated in the financing request; adjusting financial information and accounting information corresponding to at least one level of user account according to the credit card asset securitization scheme; updating the account amount of the user account according to the adjusted financial information and accounting information to obtain a service processing result, wherein the corresponding hierarchy of the user account comprises a client layer, an account layer and a card layer; generating a financial accounting record according to the service processing result;
the credit card financing and accounting processing system is used for receiving financial accounting records sent by the credit card financing service processing system; determining a business scene according to the record content corresponding to the financial accounting record; and carrying out accounting processing on the accounting record according to the service scene, the credit card accounting parameters and the accounting report to generate an accounting entry so as to realize securitization of the credit card assets.
10. A credit card financing method is applied to a credit card financing service processing system, and comprises the following steps:
receiving a financing request initiated by a credit card financing initiation system, wherein financing refers to securitization of assets;
determining a credit card asset securitization scheme based on the credit card type and the financing amount indicated in the financing request; adjusting financial information and accounting information corresponding to at least one level of user account according to the credit card asset securitization scheme; updating the account amount of the user account according to the adjusted financial information and accounting information to obtain a service processing result, wherein the corresponding hierarchy of the user account comprises a client layer, an account layer and a card layer;
and generating a financial accounting record according to the service processing result, so that the credit card financing and accounting processing system performs accounting processing on the financial accounting record to realize securitization of the credit card assets.
11. A credit card financing method is applied to a credit card financing accounting processing system, and comprises the following steps:
receiving financial accounting records sent by a credit card financing service processing system;
determining a business scene according to the record content corresponding to the financial accounting record;
and carrying out accounting processing on the accounting record according to the service scene, the credit card accounting parameters and the accounting report to generate an accounting entry so as to realize securitization of the credit card assets.
12. An 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 10 or 11.
13. 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 10 or 11.
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