CN112927066A - Batch deduction method and device - Google Patents

Batch deduction method and device Download PDF

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Publication number
CN112927066A
CN112927066A CN202110338735.5A CN202110338735A CN112927066A CN 112927066 A CN112927066 A CN 112927066A CN 202110338735 A CN202110338735 A CN 202110338735A CN 112927066 A CN112927066 A CN 112927066A
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balance change
loan
account
transaction
account number
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CN112927066B (en
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赖品宇
朱祖恩
龚赞
陈美熹
申友兵
黄泽尹
陈启东
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China Construction Bank Corp
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China Construction Bank Corp
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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Abstract

The invention discloses a batch deduction method and device, and relates to the technical field of automatic program design. One embodiment of the method comprises: acquiring balance change information of at least one transaction account, acquiring a balance change information set, and determining a transaction scene of the balance change information in the balance change information set; matching the corresponding loan account number for the balance change message according to a matching rule set for the transaction scene; generating deduction data in batches according to the loan account number and the transaction amount of the balance change message; and taking the deduction data as an interface to enter into the parameter, and calling a deduction interface corresponding to the loan product type of the loan account number to carry out batch deduction operation. According to the embodiment, the transaction scene of the balance change message is determined, the loan account number is matched for the balance change message based on the matching rule set for the transaction scene, and then the deduction data is generated, batch automatic deduction operation is realized, and the repayment efficiency is high.

Description

Batch deduction method and device
Technical Field
The invention relates to the technical field of automatic program design, in particular to a batch deduction method and device.
Background
The bank loan business is various, and the repayment modes of different loan businesses are different, such as paying for one-time repayment, repayment in advance, monitoring third-party account transfer repayment, monitoring account-to-account repayment of a customer and the like. In the prior art, a client logs in a bank system independently, inquires loan information and repays on line.
In the process of implementing the invention, the prior art at least has the following problems:
the client pays on line, and misoperation is easy to generate due to lack of guidance, so that payment is abnormal; meanwhile, only one payment is made for each payment, and the payment efficiency is low.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method and an apparatus for deducting in batches, where a transaction scenario of a balance change message is determined, and a loan account number is matched for the balance change message based on a matching rule set for the transaction scenario, so as to generate deduction data, thereby implementing automatic deduction in batches, and having high repayment efficiency.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a batch deduction method.
The batch deduction method provided by the embodiment of the invention comprises the following steps: acquiring balance change information of at least one transaction account, acquiring a balance change information set, and determining a transaction scene of the balance change information in the balance change information set; matching the balance change message with a corresponding loan account number according to a matching rule set for the transaction scene; generating deduction data in batches according to the loan account number and the transaction amount of the balance change message; and taking the deduction data as an interface to enter into the parameter, and calling a deduction interface corresponding to the loan product type of the loan account number to carry out batch deduction operation.
Optionally, the balance change message includes a payment account number, a collection account number, a transaction summary, and a balance change type; the step of matching the balance change message with a corresponding loan account number according to the matching rule set for the transaction scene includes: determining that the balance change type of the balance change message is a balance change type indicated by a matching rule corresponding to the transaction scene, and the transaction summary is a transaction summary specified by the matching rule; traversing the loan application information recorded by the loan application; the loan application information comprises a loan account number, a repayment account number, a coming account number and a loan state; taking the repayment account number as the collection account number, the coming account number as the payment account number and the loan application information with the loan status of unsettled as target loan information; and taking the loan account number of the target loan information as the loan account number matched with the balance change message.
Optionally, the transaction scenario includes any one or more of a transfer of a contra public account to a single contra public account, a transfer of a contra public account to a plurality of contra public accounts, and a transfer of a contra public account to a contra private account.
Optionally, the matching rule set for the transaction scenario includes: if the transaction scene is that the account is transferred to a single public account, the balance change type in the matching rule is income type, and the transaction abstract is a first identifier associated with the loan; if the transaction scene is that the accounts are transferred to a plurality of public accounts, the balance change type in the matching rule is income type, and the transaction abstract is a second identifier associated with the loan; and if the transaction scene is that the public account is transferred to the private account, the balance change type in the matching rule is an expenditure type, and the transaction abstract is a third identifier associated with the loan.
Optionally, the target loan information is multiple; the step of using the loan account of the target loan information as the loan account matched with the balance change message includes: according to repayment time of the target loan information and the sequence of the repayment time from morning to evening, sequencing the loan account numbers of the target loan information; and taking the sequenced loan account numbers as the loan account numbers matched with the balance change message.
Optionally, the determining a transaction scenario of a balance change message in the balance change message set includes: traversing the balance change message in the balance change message set; and determining a transaction scene of the current balance change message according to the traversed payment account and collection account of the current balance change message until traversal is completed.
Optionally, the determining, according to the traversed payment account and collection account of the current balance change message, a transaction scenario of the current balance change message includes: if the payment account number of the current balance change message is an account number of a first public account pair and the collection account number is an account number of a second public account pair, determining that the transaction scene of the current balance change message is that the public account pair transfers to a single public account pair; if the payment account number of the current balance change message is the account number of the first paired public accounts and the collection account number is the account numbers of a plurality of second paired public accounts, determining that the transaction scene of the current balance change message is that the paired public accounts transfer to the plurality of paired public accounts; and if the payment account number of the current balance change message is the account number of the first public account and the collection account number is the account number of the private account, determining that the transaction scene of the current balance change message is that the public account is transferred to the private account.
Optionally, the generating deduction data in batch according to the loan account number and the transaction amount of the balance change message includes: traversing the balance change message in the balance change message set; determining deduction data corresponding to the current balance change message according to the traversed loan account number and transaction amount of the current balance change message until traversal is finished; and the deduction data comprises the loan account number, the repayment amount and the repayment state.
Optionally, before the step of calling a deduction interface corresponding to the loan product type of the loan account number to perform a batch deduction operation, the method further includes: distributing a serial number for deduction data corresponding to the balance change message; taking the serial number and the set repayment state as interface input parameters, calling an inquiry interface, and extracting deduction data; the entering of the deduction data as an interface comprises the following steps: and inputting the extracted deduction data as an interface.
Optionally, the method further comprises: and determining that the deduction operation is successful, and updating the repayment state and the remaining amount.
Optionally, the obtaining the balance change message of at least one transaction account to obtain a balance change message set includes: calling a query interface regularly to query balance change information of at least one transaction account; and adding the balance change message inquired by the current call to a balance change message set.
Optionally, the method further comprises: judging whether the loan of the transaction account is cleared or not according to the deduction result information; and determining a transaction account number needing to acquire the balance change message again according to the judgment result and the transaction scene.
Optionally, the determining, according to the determination result and the transaction scenario, a transaction account number for which the balance change message needs to be acquired again includes: if the judgment result is that the loan is settled and the transaction scene is that the account is transferred to a single account, the balance change message of the transaction account needs to be acquired again; and if the judgment result is that the loan is not cleared, acquiring the balance change message of the transaction account again.
To achieve the above object, according to another aspect of the embodiments of the present invention, there is provided a batch deduction device.
The invention provides a batch deduction device, which comprises: the acquisition module is used for acquiring balance change information of at least one transaction account, acquiring a balance change information set and determining a transaction scene of the balance change information in the balance change information set; the matching module is used for matching the balance change message with a corresponding loan account number according to a matching rule set for the transaction scene; the generating module is used for generating deduction data in batches according to the loan account number and the transaction amount of the balance change message; and the deduction module is used for inputting the deduction data as an interface and calling a deduction interface corresponding to the loan product type of the loan account number to carry out batch deduction operation.
Optionally, the balance change message includes a payment account number, a collection account number, a transaction summary, and a balance change type; the matching module is further configured to determine that the balance change type of the balance change message is a balance change type indicated by a matching rule corresponding to the transaction scenario, and the transaction summary is a transaction summary specified by the matching rule; traversing the loan application information recorded by the loan application; the loan application information comprises a loan account number, a repayment account number, a coming account number and a loan state; taking the repayment account number as the collection account number, the coming account number as the payment account number and the loan application information with the loan status of unsettled as target loan information; and taking the loan account number of the target loan information as the loan account number matched with the balance change message.
Optionally, the transaction scenario includes any one or more of a transfer of a contra public account to a single contra public account, a transfer of a contra public account to a plurality of contra public accounts, and a transfer of a contra public account to a contra private account.
Optionally, the apparatus further comprises: the rule configuration module is used for determining whether the balance change type in the matching rule is income or not and whether the transaction summary is a first identifier associated with loan or not if the transaction scene is that a public account is transferred to a single public account; if the transaction scene is that the accounts are transferred to a plurality of public accounts, the balance change type in the matching rule is income type, and the transaction abstract is a second identifier associated with the loan; and if the transaction scene is that the public account is transferred to the private account, the balance change type in the matching rule is an expenditure type, and the transaction abstract is a third identifier associated with the loan.
Optionally, the target loan information is multiple; the matching module is further used for sequencing the loan account numbers of the target loan information according to the repayment time of the target loan information and the sequence of the repayment time from morning to evening; and taking the sequenced loan account numbers as the loan account numbers matched with the balance change message.
Optionally, the obtaining module is further configured to traverse the balance change message in the balance change message set; and determining a transaction scene of the current balance change message according to the traversed payment account and collection account of the current balance change message until traversal is completed.
Optionally, the obtaining module is further configured to determine that the transaction scenario of the current balance change message is that the account of the first couple of public accounts is transferred to a single couple of public accounts if the payment account of the current balance change message is an account of the first couple of public accounts and the collection account is an account of the second couple of public accounts; if the payment account number of the current balance change message is the account number of the first paired public accounts and the collection account number is the account numbers of a plurality of second paired public accounts, determining that the transaction scene of the current balance change message is that the paired public accounts transfer to the plurality of paired public accounts; and if the payment account number of the current balance change message is the account number of the first public account and the collection account number is the account number of the private account, determining that the transaction scene of the current balance change message is that the public account is transferred to the private account.
Optionally, the generating module is further configured to traverse the balance change message in the balance change message set; determining deduction data corresponding to the current balance change message according to the traversed loan account number and transaction amount of the current balance change message until traversal is finished; and the deduction data comprises the loan account number, the repayment amount and the repayment state.
Optionally, the apparatus further comprises: the inquiry module is used for distributing a serial number to the deduction data corresponding to the balance change message; taking the serial number and the set repayment state as interface input parameters, calling an inquiry interface, and extracting deduction data; and the deduction module is also used for taking the extracted deduction data as an interface to be entered into the payment module.
Optionally, the apparatus further comprises: and the updating module is used for determining that the deduction operation is successful and updating the repayment state and the residual amount.
Optionally, the obtaining module is further configured to call a query interface at regular time to query a balance change message of at least one transaction account; and adding the balance change message inquired by the current call to a balance change message set.
Optionally, the apparatus further comprises: the account number determining module is used for judging whether the loan of the transaction account number is cleared or not according to the deduction result information; and determining a transaction account number needing to acquire the balance change message again according to the judgment result and the transaction scene.
Optionally, the account determining module is further configured to, if the result of the determination is that the loan is cleared, and the transaction scenario is that the account pair is transferred to a single account pair, obtain a balance change message of the transaction account again; and if the judgment result is that the loan is not cleared, acquiring the balance change message of the transaction account again.
To achieve the above object, according to still another aspect of embodiments of the present invention, there is provided an electronic apparatus.
An electronic device of an embodiment of the present invention includes: one or more processors; the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors are enabled to realize the batch deduction method of the embodiment of the invention.
To achieve the above object, according to still another aspect of embodiments of the present invention, there is provided a computer-readable medium.
A computer-readable medium of an embodiment of the present invention has a computer program stored thereon, which when executed by a processor implements a method of batch deduction of an embodiment of the present invention.
One embodiment of the above invention has the following advantages or benefits: by determining the transaction scene of the balance change message and matching the loan account number for the balance change message based on the matching rule set for the transaction scene, the deduction data is generated, batch automatic deduction operation is realized, and repayment efficiency is high. The balance change information is screened based on the matching rule, the loan account number is matched for the screened balance change information, the uniform deduction of different transaction scenes is realized, the management is convenient, and the reusability is good. When a transaction scene is newly added, the existing repayment mode can be reused only by developing a processing flow of matching the balance change message with the loan account number.
By sequencing the plurality of loan account numbers, the loan account numbers with early repayment date are guaranteed to be preferentially repayed. Based on the characteristics of the transaction scene, the payment account number and the collection account number in the balance change message are used as factors for determining the transaction scene, so that the transaction scene of each balance change message is conveniently determined. By processing each balance change message in the balance change message set, batch deduction data is generated, so that batch deduction operation can be performed subsequently, and repayment efficiency is improved.
And the deduction data of the set repayment state is extracted to ensure that the deduction operation is carried out on the data of the appointed repayment state. The correctness of the subsequent deduction operation is ensured by updating the repayment state and the residual amount. By inquiring the balance change message at regular time, the automatic acquisition of the balance change message is realized, and the pressure of the server is reduced. And determining whether balance change information of the transaction account needs to be acquired again according to the judgment result of whether the loan is cleared and the transaction scene, so that the balance change information can be acquired as required, and network resources are saved.
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 steps of a batch deduction method according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of a batch deduction method according to another embodiment of the present invention;
FIG. 3 is a system flow diagram of a batch deduction method according to yet another embodiment of the present invention;
FIG. 4 is a schematic diagram of the main modules of a batch deduction device according to an embodiment of the invention;
FIG. 5 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
FIG. 6 is a schematic diagram of a computer apparatus suitable for use in an electronic device to implement 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 steps of a batch deduction method according to an embodiment of the present invention. As shown in fig. 1, the batch deduction method of the embodiment of the present invention mainly includes the following steps:
step S101: obtaining balance change information of at least one transaction account, obtaining a balance change information set, and determining a transaction scene of the balance change information in the balance change information set. The transaction account number refers to a collection account number or a payment account number related to the loan transaction. The balance change message is a message generated when the balance of the transaction account number changes. In the embodiment, the balance change message of at least one transaction account is inquired by calling the inquiry interface, and the balance change message inquired by the current calling is added to the balance change message set.
And after the balance change message set is obtained, traversing the balance change messages in the balance change message set, and determining the transaction scene of the current balance change message according to the traversed payment account and collection account of the current balance change message until the traversal is completed. In the embodiment, the transaction scenario refers to a repayment scenario of the loan service, for example, a public account is transferred to a single public account, a public account is transferred to a plurality of public accounts, a public account is transferred to a private account, and the like.
Step S102: and matching the balance change message with a corresponding loan account number according to a matching rule set for the transaction scene. And corresponding matching rules are set in different transaction scenes and are used for indicating balance change types and transaction abstract contents of the different transaction scenes so as to match corresponding loan account numbers for balance change messages. The balance change message may include a payment account number, a collection account number, a transaction summary, and a balance change type. The balance change types include an income class and an expense class.
In this step, it is first determined whether the balance change type of the current balance change message is consistent with the balance change type indicated by the matching rule corresponding to the transaction scenario, and whether the transaction summary is consistent with the transaction summary specified by the matching rule. If any one of the balance change messages is inconsistent, deleting the current balance change message from the balance change message set, and continuously processing the next balance change message of the deleted balance change message set.
If the two are consistent, the loan application information recorded by the loan application is traversed, and the loan application information comprises a loan account number, a repayment account number, an incoming account number and a loan state; and then taking the repayment account as a collection account, the coming account as a payment account, and the loan application information with the loan status of unsettled as target loan information, wherein the loan account of the target loan is the loan account matched with the current balance change message.
Step S103: and generating deduction data in batches according to the loan account number and the transaction amount of the balance change message. The deduction data is data required for realizing loan repayment and can comprise a loan account number, a repayment amount and a repayment state. Traversing the balance change message in the deleted balance change message set; and determining deduction data corresponding to the current balance change message according to the traversed loan account number and the transaction amount of the current balance change message until the traversal is finished.
Step S104: and taking the deduction data as an interface to enter into the parameter, and calling a deduction interface corresponding to the loan product type of the loan account number to carry out batch deduction operation. And after generating deduction data, taking the deduction data as an interface to enter into the reference, calling a deduction interface corresponding to the loan product type of the loan account number, and carrying out batch deduction operation. Therefore, batch automatic repayment of loan businesses with different repayment modes is realized, and repayment efficiency is high.
Fig. 2 is a schematic main flow chart of a batch deduction method according to another embodiment of the present invention. As shown in fig. 2, the batch deduction method of the embodiment of the present invention mainly includes the following steps:
step S201: and calling a query interface regularly to query the balance change message of at least one transaction account. In an embodiment, the query interface may be called every set time (for example, 5 minutes), the latest balance change message is queried, and the queried balance change message is stored in the database. The balance change message may include information such as a global serial number, transaction time, payment account, transaction amount, balance change type, payee name, payee account, transaction summary, and the like.
In an alternative embodiment, the date, the loan system name and the incremented batch number are used as query conditions, and the batch number is incremented each time the query interface is called, so as to distinguish balance change messages queried in different time periods.
Step S202: and adding the balance change message inquired by the current call to a balance change message set, and determining the transaction scene of each balance change message in the balance change message set. For example, in the case of a transaction scenario in which a public account is transferred to a single public account (for example, a business transfers to another business), a public account is transferred to a plurality of public accounts (for example, a business transfers to another plurality of businesses), and a public account is transferred to a private account (for example, a business transfers to a person), the transaction scenario determination process for each balance change message is as follows:
and if the payment account number of the current balance change message is the account number of the first public account pair and the collection account number is the account number of the second public account pair, determining that the transaction scene of the current balance change message is that the public account pair transfers to a single public account pair.
And if the payment account number of the current balance change message is the account number of the first paired public accounts and the collection account number is the account numbers of a plurality of second paired public accounts, determining that the transaction scene of the current balance change message is that the paired public accounts transfer to the plurality of paired public accounts.
And if the payment account number of the current balance change message is the account number of the first public account and the collection account number is the account number of the private account, determining that the transaction scene of the current balance change message is that the public account is transferred to the private account.
It can be understood that three transaction scenarios are listed in the embodiment, and in practical application, other transaction scenarios may be added as needed, and based on the characteristics of the transaction scenarios, factors for determining the transaction scenarios are selected, so as to determine the transaction scenarios of the balance change message.
Step S203: and respectively matching the corresponding loan account numbers for the balance change messages according to the matching rules set for the transaction scene. Still taking the transaction scene as an example of transferring the public account to a single public account, transferring the public account to a plurality of public accounts and transferring the public account to a private account, the matching rules are explained as follows:
if the transaction scene is that a public account is transferred to a single public account, the income balance change message of a collection account number needs to be acquired, and the corresponding loan is associated by commenting a first identifier (such as a loan account number) in the transaction abstract, the balance change type in the matching rule is the income class, and the transaction abstract is the first identifier associated with the loan.
If the transaction scene is that the accounts are transferred to a plurality of public accounts, income balance change information of the collection account number needs to be acquired, and corresponding loans are associated by commenting a second identifier on the transaction abstract, the balance change type in the matching rule is income, and the transaction abstract is the second identifier associated with the loans.
If the transaction scene is that a public account is transferred to a private account, the expense balance change message of the payment account needs to be acquired, and the corresponding loan is associated by commenting a third identifier on the transaction abstract, the balance change type in the matching rule is the expense class, and the transaction abstract is the third identifier associated with the loan.
According to the matching rule, the process of matching the loan account number for the current balance change message is as follows:
and judging whether the balance change type of the current balance change message is consistent with the balance change type indicated by the matching rule corresponding to the transaction scene of the current balance change message and whether the transaction abstract is consistent with the transaction abstract specified by the matching rule. If any one of the balance change messages is inconsistent, deleting the current balance change message from the balance change message set, and continuously processing the next balance change message of the deleted balance change message set.
If the two are consistent, obtaining a loan application record according to the date and the division number, and traversing loan application information of the loan application record, wherein the loan application information comprises a loan account number, a repayment account number, an incoming account number and a loan state; and then, taking a repayment account as a collection account, a payment account as a payment account, and a loan state as an unclearned state as a screening condition, screening loan application information meeting the screening condition as target loan information, wherein the loan account of the target loan is the loan account matched with the current balance change message.
One or more loan application information meeting the screening condition is possible, if only one loan application information is available, the current balance change message is related to a loan; if there are more, it is indicated that the current balance change message is associated with more loans.
For the condition that the current balance change message is associated with a plurality of loans, the loan account numbers of the target loan information are sequenced according to the repayment time of the target loan information and the sequence of the repayment time from morning to evening; and taking the sequenced loan account numbers as loan account numbers matched with the current balance change message. The process may return the oldest due loan with priority, and after the first loan is returned, if the transaction amount remains, the second loan is returned, and so on.
Step S204: and generating deduction data corresponding to each transaction account in batches according to the loan account and the transaction amount of the balance change message. The step is used for determining deduction data required by repayment of the loan account number, the repayment type (such as advanced repayment, normal repayment and settlement), the remaining amount, the repayment account of the remaining amount, the repayment date, the repayment state, the repayment serial number, the transaction channel and the like according to the loan account number matched for each balance change message and the transaction amount of each balance change message.
The remaining amount is the difference between the transaction amount and the repayment amount, and is used for the condition that one balance change message corresponds to a plurality of loan repayment, and the remaining amount of the balance change message is updated when one loan repayment is successful.
In this embodiment, the deduction data includes a repayment status, which facilitates updating the repayment status of the loan. For example, if a certain enterprise transfers money to another enterprise and requires special payment, that is, the money transfer is only applicable to the enterprise payment, the payment state of the collection account can be set to be only collected and not paid before the payment deduction operation, the payment is released during the payment deduction operation, and the payment is reset to be only collected and not paid after the payment deduction operation.
It will be appreciated that the data fields included in the deduction data described above are merely examples. Can be adjusted according to requirements. In the embodiment, besides the deduction operation, part of loan products need to be processed, for example, the frozen state of a transaction account is removed, after the transaction is successful, a short message is sent to a client to notify the client of deduction result information, and when the payment fails, an early warning message is generated, so the deduction data can also include the name of the client, the telephone number of the client, the number of a manager, the mobile phone number of the manager, and the like.
Step S205: and taking the deduction data as an interface to enter into the parameter, and calling a deduction interface corresponding to the loan product type of the loan account number to carry out batch deduction operation. In an embodiment, a designated serial number is allocated to the deduction data corresponding to each transaction account, and then the date and the serial number can be used as query conditions to query the deduction data with unprocessed date, serial number and repayment status. Where a query is made to extract the outstanding deduction data at that date.
And calling a deduction interface corresponding to the loan product type of the loan account number according to the loan account number, the repayment mode, the repayment amount, the repayment account, the repayment date and the division number in the inquired deduction data, wherein the deduction interface is used for requesting to carry out deduction operation and storing deduction result information. In an optional embodiment, the deduction result information can be sent to related personnel in a short message mode, an email mode and the like.
The deduction result information comprises transaction time, repayment state, failure description, balance change serial number, loan account number, repayment amount, repayment account number, serial number and the like. In a preferred embodiment, if the payment is successful, the payment status is updated from unprocessed to processed, and the remaining amount is updated.
Step S206: judging whether the loan of each transaction account is settled according to the deduction result information, and if the loan is settled, executing the step S207; if the loan is not settled, step S201 is performed. If the repayment status in the deduction result information is processed, the loan is cleared. And when all the related loans of the same repayment account number are settled, the loan settlement is indicated. If the loan is not cleared, the balance change message of the transaction account needs to be continuously acquired.
Step S207: judging whether balance change information of the transaction account needs to be acquired again or not according to a transaction scene corresponding to the settled transaction account, and executing the step S201 if the balance change information of the transaction account needs to be acquired again; otherwise, the flow is ended. If the transaction scene is that the payment account is transferred to a single public account, the balance change message of the transaction account still needs to be acquired even if the loan is settled. Under other transaction scenes, if the loan is cleared, the balance change message of the transaction account is not required to be acquired.
Fig. 3 is a schematic system flow diagram of a batch deduction method according to still another embodiment of the present invention. As shown in fig. 3, the batch deduction system of the embodiment of the present invention includes a public deposit component, an agent component and a batch deduction component (i.e. a device for batch deduction), and the whole deduction operation is triggered based on the balance change message. Wherein,
the public deposit component is a producer of the balance change message and is used for providing an interface for subscribing the balance change message for the proxy component.
The agent component is a subscriber of the balance change message and is used for providing an interface to the batch deduction component to pay attention to the balance change message; and the system is also used for persisting the pushed balance change message of the public deposit component and providing an interface for the batch deposit component to inquire the balance change message.
The batch deduction component is a user of the balance change message. The component is used for realizing a batch deduction method, and specifically comprises the steps of inquiring balance change information of an agent component (namely step S201), matching related loan accounts (see steps S202-S203), generating deduction data (namely step S204), calling a deduction interface to carry out deduction operation (namely step S205), judging whether a loan is finished (namely step S206), and judging whether balance change information needs to be inquired again (namely step S207).
The following describes the information interaction process between the components in the batch deduction system. The processing flow of the batch deduction system of the embodiment of the invention comprises the following steps:
the method comprises the following steps: and monitoring the balance change condition of at least one transaction account number for the public deposit component, generating a corresponding balance change message, and pushing the balance change message to the proxy component. When a client signs up for a loan, the loan system subscribes to a balance change message of a public account or a private account through an interface provided by a request agency component. When the balance of the transaction account number changes, the public deposit component automatically pushes balance change information to the agent component through the message queue.
Step two: the agent component saves the balance change message.
Step three: and the batch deduction component regularly calls an inquiry interface of the proxy component to inquire the balance change message of at least one transaction account. And the batch deduction component dispatches a query interface provided by the agent component every 5 minutes to query the latest balance change message.
Step four: the batch deduction component realizes batch deduction operation by executing the steps S202-S207. For the transaction account which does not need to obtain the balance change message again, the proxy component can cancel subscribing the balance change message of the transaction account, and the public deposit component can cancel monitoring the balance change condition of the transaction account.
In the embodiment, through the modular design, when a new transaction scene needs to be added, the existing repayment mode can be reused only by developing the processing flow of matching the balance change message with the loan, and all repayment records can be uniformly monitored and managed.
Fig. 4 is a schematic diagram of main modules of a batch deduction device according to an embodiment of the invention.
As shown in fig. 4, the batch deduction device 400 according to the embodiment of the present invention mainly includes:
the obtaining module 401 is configured to obtain a balance change message of at least one transaction account, obtain a balance change message set, and determine a transaction scenario of the balance change message in the balance change message set. The transaction account number refers to a collection account number or a payment account number related to the loan transaction. The balance change message is a message generated when the balance of the transaction account number changes. In the embodiment, the balance change message of at least one transaction account is inquired by calling the inquiry interface, and the balance change message inquired by the current calling is added to the balance change message set.
And after the balance change message set is obtained, traversing the balance change messages in the balance change message set, and determining the transaction scene of the current balance change message according to the traversed payment account and collection account of the current balance change message until the traversal is completed. In the embodiment, the transaction scenario refers to a repayment scenario of the loan service, for example, a public account is transferred to a single public account, a public account is transferred to a plurality of public accounts, a public account is transferred to a private account, and the like.
A matching module 402, configured to match the balance change message with a corresponding loan account according to a matching rule set for the transaction scenario. And corresponding matching rules are set in different transaction scenes and are used for indicating balance change types and transaction abstract contents of the different transaction scenes so as to match corresponding loan account numbers for balance change messages. The balance change message may include a payment account number, a collection account number, a transaction summary, and a balance change type. The balance change types include an income class and an expense class.
In the module, firstly, whether the balance change type of the current balance change message is consistent with the balance change type indicated by the matching rule corresponding to the transaction scene of the current balance change message and whether the transaction abstract is consistent with the transaction abstract specified by the matching rule are judged. If any one of the balance change messages is inconsistent, deleting the current balance change message from the balance change message set, and continuously processing the next balance change message of the deleted balance change message set.
If the two are consistent, the loan application information recorded by the loan application is traversed, and the loan application information comprises a loan account number, a repayment account number, an incoming account number and a loan state; and then taking the repayment account as a collection account, the coming account as a payment account, and the loan application information with the loan status of unsettled as target loan information, wherein the loan account of the target loan is the loan account matched with the current balance change message.
And a generating module 403, configured to generate deduction data in batch according to the loan account number and the transaction amount of the balance change message. The deduction data is data required for realizing loan repayment and can comprise a loan account number, a repayment amount and a repayment state. The module traverses the balance change message in the deleted balance change message set; and determining deduction data corresponding to the current balance change message according to the traversed loan account number and the transaction amount of the current balance change message until the traversal is finished.
And the deduction module 404 is configured to enter the deduction data as an interface, and call a deduction interface corresponding to the loan product type of the loan account number to perform batch deduction operation. And after generating deduction data, taking the deduction data as an interface to enter into the reference, calling a deduction interface corresponding to the loan product type of the loan account number, and carrying out batch deduction operation. Therefore, batch automatic repayment of loan businesses with different repayment modes is realized, and repayment efficiency is high.
In addition, the batch deduction device 400 according to the embodiment of the present invention may further include: a rule configuration module, a query module, an update module, and an account determination module (not shown in fig. 4). The rule configuration module is used for determining whether the balance change type in the matching rule is income or not and whether the transaction summary is a first identifier associated with loan or not if the transaction scene is that a public account is transferred to a single public account; if the transaction scene is that the accounts are transferred to a plurality of public accounts, the balance change type in the matching rule is income type, and the transaction abstract is a second identifier associated with the loan; and if the transaction scene is that the public account is transferred to the private account, the balance change type in the matching rule is an expenditure type, and the transaction abstract is a third identifier associated with the loan.
The inquiry module is used for distributing a serial number to the deduction data corresponding to the balance change message; and taking the serial number and the set repayment state as interface entry parameters, calling a query interface, and extracting deduction data. And the updating module is used for determining that the deduction operation is successful and updating the repayment state and the residual amount.
The account number determining module is used for judging whether the loan of the transaction account number is cleared or not according to the deduction result information; and determining a transaction account number needing to acquire the balance change message again according to the judgment result and the transaction scene.
From the above description, it can be seen that the loan account number is matched for the balance change message by determining the transaction scene of the balance change message based on the matching rule set for the transaction scene, and further the deduction data is generated, so that batch automatic deduction operation is realized, and the repayment efficiency is high.
Fig. 5 illustrates an exemplary system architecture 500 to which the batch deduction method or the batch deduction apparatus of the embodiments of the present invention may be applied.
As shown in fig. 5, the system architecture 500 may include servers 501, 503, 505, networks 502 and 504. Network 502 serves as a medium for providing communication links between server 501 and server 503. Network 504 serves as a medium for providing communication links between server 503 and server 505. The networks 502, 504 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.
The servers 501, 503, and 505 may be servers providing various services, for example, the server 501 provides a subscription interface for a balance change message, monitors the balance change condition, generates a balance change message, and pushes the balance change message to the server 503. Server 503 provides a query interface for balance change messages and stores the balance change messages. The server 505 acquires the balance change message and performs batch automatic deduction operation based on the balance change message.
It should be noted that the batch deduction method provided by the embodiment of the present application is generally executed by the server 505, and accordingly, the batch deduction device is generally disposed in the server 505.
It should be understood that the number of networks and servers in fig. 5 is merely illustrative. There may be any number of networks and servers, as desired for implementation.
The invention also provides an electronic device and a computer readable medium according to the embodiment of the invention.
The electronic device of the present invention includes: one or more processors; the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors are enabled to realize the batch deduction method of the embodiment of the invention.
The computer readable medium of the present invention has stored thereon a computer program which, when executed by a processor, implements a method of batch deduction of an embodiment of the present invention.
Referring now to FIG. 6, shown is a block diagram of a computer system 600 suitable for use with the electronic device implementing an embodiment of the present invention. The electronic device shown in fig. 6 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. 6, the computer system 600 includes a Central Processing Unit (CPU)601 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. In the RAM 603, various programs and data necessary for the operation of the computer system 600 are also stored. The CPU 601, ROM 602, and RAM 603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.
The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output portion 607 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 605 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted in the storage section 608 as necessary.
In particular, the processes described above with respect to the main step diagrams may be implemented as computer software programs, according to embodiments of the present disclosure. 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 containing program code for performing the method illustrated in the main step diagram. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 601.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes an acquisition module, a matching module, a generation module, and a deduction module. For example, the obtaining module may be further described as a module that obtains a balance change message of at least one transaction account, obtains a balance change message set, and determines a transaction scenario of the balance change message in the balance change message set.
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: acquiring balance change information of at least one transaction account, acquiring a balance change information set, and determining a transaction scene of the balance change information in the balance change information set; matching the balance change message with a corresponding loan account number according to a matching rule set for the transaction scene; generating deduction data in batches according to the loan account number and the transaction amount of the balance change message; and taking the deduction data as an interface to enter into the parameter, and calling a deduction interface corresponding to the loan product type of the loan account number to carry out batch deduction operation.
According to the technical scheme of the embodiment of the invention, the balance change message is matched with the loan account number by determining the transaction scene of the balance change message and based on the matching rule set for the transaction scene, and then the deduction data is generated, so that batch automatic deduction operation is realized, and the repayment efficiency is high.
The product can execute the method provided by the embodiment of the invention, and has corresponding functional modules and beneficial effects of the execution method. For technical details that are not described in detail in this embodiment, reference may be made to the method provided by the embodiment of the present invention.
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 (17)

1. A method for deducting money in batches, comprising:
acquiring balance change information of at least one transaction account, acquiring a balance change information set, and determining a transaction scene of the balance change information in the balance change information set;
matching the balance change message with a corresponding loan account number according to a matching rule set for the transaction scene;
generating deduction data in batches according to the loan account number and the transaction amount of the balance change message;
and taking the deduction data as an interface to enter into the parameter, and calling a deduction interface corresponding to the loan product type of the loan account number to carry out batch deduction operation.
2. The method of claim 1, wherein the balance change message includes a payment account number, a collection account number, a transaction summary, and a balance change type;
the step of matching the balance change message with a corresponding loan account number according to the matching rule set for the transaction scene includes:
determining that the balance change type of the balance change message is a balance change type indicated by a matching rule corresponding to the transaction scene, and the transaction summary is a transaction summary specified by the matching rule;
traversing the loan application information recorded by the loan application; the loan application information comprises a loan account number, a repayment account number, a coming account number and a loan state;
taking the repayment account number as the collection account number, the coming account number as the payment account number and the loan application information with the loan status of unsettled as target loan information;
and taking the loan account number of the target loan information as the loan account number matched with the balance change message.
3. The method of claim 2, wherein the transaction scenario comprises any one or more of a transfer of a public account to a single public account, a transfer of a public account to multiple public accounts, and a transfer of a public account to a private account.
4. The method of claim 3, wherein the matching rules set for the transaction scenario comprise:
if the transaction scene is that the account is transferred to a single public account, the balance change type in the matching rule is income type, and the transaction abstract is a first identifier associated with the loan;
if the transaction scene is that the accounts are transferred to a plurality of public accounts, the balance change type in the matching rule is income type, and the transaction abstract is a second identifier associated with the loan;
and if the transaction scene is that the public account is transferred to the private account, the balance change type in the matching rule is an expenditure type, and the transaction abstract is a third identifier associated with the loan.
5. The method of claim 2, wherein the target loan information is plural;
the step of using the loan account of the target loan information as the loan account matched with the balance change message includes:
according to repayment time of the target loan information and the sequence of the repayment time from morning to evening, sequencing the loan account numbers of the target loan information;
and taking the sequenced loan account numbers as the loan account numbers matched with the balance change message.
6. The method of claim 1, wherein determining a transaction scenario for a balance change message in the balance change message set comprises:
traversing the balance change message in the balance change message set;
and determining a transaction scene of the current balance change message according to the traversed payment account and collection account of the current balance change message until traversal is completed.
7. The method of claim 6, wherein determining a transaction scenario of the current balance change message according to the traversed payment account number and collection account number of the current balance change message comprises:
if the payment account number of the current balance change message is an account number of a first public account pair and the collection account number is an account number of a second public account pair, determining that the transaction scene of the current balance change message is that the public account pair transfers to a single public account pair;
if the payment account number of the current balance change message is the account number of the first paired public accounts and the collection account number is the account numbers of a plurality of second paired public accounts, determining that the transaction scene of the current balance change message is that the paired public accounts transfer to the plurality of paired public accounts;
and if the payment account number of the current balance change message is the account number of the first public account and the collection account number is the account number of the private account, determining that the transaction scene of the current balance change message is that the public account is transferred to the private account.
8. The method of claim 1, wherein the generating deduction data in batch according to the loan account number and the transaction amount of the balance change message comprises:
traversing the balance change message in the balance change message set;
determining deduction data corresponding to the current balance change message according to the traversed loan account number and transaction amount of the current balance change message until traversal is finished; and the deduction data comprises the loan account number, the repayment amount and the repayment state.
9. The method of claim 1, wherein the step of invoking a withholding interface corresponding to a loan product type of the loan account number for a batch withholding operation is preceded by the method further comprising:
distributing a serial number for deduction data corresponding to the balance change message;
taking the serial number and the set repayment state as interface input parameters, calling an inquiry interface, and extracting deduction data;
the entering of the deduction data as an interface comprises the following steps: and inputting the extracted deduction data as an interface.
10. The method of claim 8, further comprising:
and determining that the deduction operation is successful, and updating the repayment state and the remaining amount.
11. The method of claim 1, wherein obtaining the balance change message of the at least one transaction account number to obtain a set of balance change messages comprises:
calling a query interface regularly to query balance change information of at least one transaction account;
and adding the balance change message inquired by the current call to a balance change message set.
12. The method according to any one of claims 1 to 11, further comprising:
judging whether the loan of the transaction account is cleared or not according to the deduction result information;
and determining a transaction account number needing to acquire the balance change message again according to the judgment result and the transaction scene.
13. The method according to claim 12, wherein the determining, according to the determination result and the transaction scenario, the transaction account number for which the balance change message needs to be acquired again includes:
if the judgment result is that the loan is settled and the transaction scene is that the account is transferred to a single account, the balance change message of the transaction account needs to be acquired again;
and if the judgment result is that the loan is not cleared, acquiring the balance change message of the transaction account again.
14. A device for withholding in bulk, comprising:
the acquisition module is used for acquiring balance change information of at least one transaction account, acquiring a balance change information set and determining a transaction scene of the balance change information in the balance change information set;
the matching module is used for matching the balance change message with a corresponding loan account number according to a matching rule set for the transaction scene;
the generating module is used for generating deduction data in batches according to the loan account number and the transaction amount of the balance change message;
and the deduction module is used for inputting the deduction data as an interface and calling a deduction interface corresponding to the loan product type of the loan account number to carry out batch deduction operation.
15. The apparatus of claim 14, wherein the balance change message comprises a payment account number, a collection account number, a transaction summary, and a balance change type;
the matching module is further configured to determine that the balance change type of the balance change message is a balance change type indicated by a matching rule corresponding to the transaction scenario, and the transaction summary is a transaction summary specified by the matching rule;
traversing the loan application information recorded by the loan application; the loan application information comprises a loan account number, a repayment account number, a coming account number and a loan state;
taking the repayment account number as the collection account number, the coming account number as the payment account number and the loan application information with the loan status of unsettled as target loan information; and
and taking the loan account number of the target loan information as the loan account number matched with the balance change message.
16. 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 1-13.
17. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-13.
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