CN113112349A

CN113112349A - Cross-center punching loan repaying method, device, equipment and storage medium

Info

Publication number: CN113112349A
Application number: CN202110498897.5A
Authority: CN
Inventors: 姚龙
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-05-08
Filing date: 2021-05-08
Publication date: 2021-07-13

Abstract

The invention relates to the field of mobile internet, and particularly provides a cross-center impulse repayment method, a device, equipment and a storage medium, wherein the method comprises the following steps: determining the current signed signing type according to the loan information of the current signatory, wherein the loan information comprises the loan record of the current signatory in a local center or an external center; judging whether the current contractor meets the signing conditions or not and whether the loan information meets the cross-center interconnection conditions of the corresponding signing type or not; if the current contractor meets the signing conditions and the loan information meets the cross-center interconnection conditions of the corresponding signing type; determining the type of the credit and debit of the current subscription, and mutually connecting the local center and the external center through the subscription information of the current subscription. The method can prevent the situation of two places independently reimbursing, and further ensure the normal operation of the credit and debit charging service.

Description

Cross-center punching loan repaying method, device, equipment and storage medium

Technical Field

The present invention relates to the field of mobile internet, and in particular, to a method, an apparatus, a device and a storage medium for cross-center credit repayment.

Background

The rush repayment refers to a service that a borrower of the house loan withdraws the public deposit to pay the fund to return the house loan under the permission of the public deposit policy. The house loan can be a public accumulation fund loan or a commercial loan; the public deposit fund can be the fund of the borrower or the fund of the relative.

The accumulation fund charging and repaying includes account-reporting type charging and repaying and direct charging and repaying. The payment type charge and repayment mode refers to a charge and repayment mode that a borrower returns a loan according to the own fund by date and then draws the payment fund according to repayment details to be paid to the borrower. The direct-impulse type charging and repayment mode is a charging and repayment mode which extracts payment funds according to a bill to be repacked of the borrower's loan and uses the payment funds for returning the loan, and in the mode, only the internal accounting and clearing of a public accumulation fund center are needed, and the borrower does not need to pay the funds.

In the conventional daily loan transaction, the accumulation fund centers in various places mostly adopt a mode of independently deploying systems, and information isolated islands are formed among the centers. However, the work of the contractor may be changed, which may cause a change in the payment center. Since each regional public accumulation fund center has a complex operation system, the regional public accumulation fund centers in the prior art cannot communicate with each other, otherwise, network errors may occur to the complex operation systems of each center, potential safety hazards are formed, and the risk of client information leakage is generated. The center before the change cannot acquire the current payment condition of the contractor, and the contractor may separately reimburse at the center before the change and the current center every month. In order to solve the problems in the prior art, a method for realizing interconnection and intercommunication among various regional public accumulation fund centers so as to carry out cross-center credit-making and credit-making is urgently needed, and normal operation of the credit-making and credit-making business is ensured.

Disclosure of Invention

The embodiments herein aim to provide a method, apparatus, device and storage medium for cross-center credit balance to prevent two separate reimbursements from occurring, thereby ensuring that the credit balance service is performed normally.

To achieve the above objects, in one aspect, the present embodiments provide a method for cross-center impulse repayment, comprising the steps of:

determining the current signed signing type according to the loan information of the current signatory, wherein the loan information comprises the loan record of the current signatory in a local center or an external center;

judging whether the current contractor meets the signing conditions or not and whether the loan information meets the cross-center interconnection conditions of the corresponding signing type or not;

if the current contractor meets the signing conditions and the loan information meets the cross-center interconnection conditions of the corresponding signing type; determining the type of the credit and debit of the current subscription, and interconnecting the local center and the external center through the subscription information of the current subscription.

Preferably, the method further comprises the following steps:

if the current contractor meets the signing conditions and the loan information meets the self-processing conditions of the local center corresponding to the signing type, determining the type of the currently signed repayment;

the signing conditions comprise: the current contractor has no public accumulation fund account and no outstanding loan;

the subscription type includes: a contract for a public accumulation loan and a contract for a commercial loan.

Preferably, the cross-center interconnection condition for signing the public accumulation fund loan comprises:

the loan type of the current contractor is a public accumulation loan, and the loan of the current contractor is recorded in an external center.

Preferably, if the current contractor meets the contract signing condition and the loan information meets the cross-center interconnection condition of the public accumulation fund loan contract signing;

determining the type of the credit and debit of the current subscription, and interconnecting the local center and the external center through the subscription information of the current subscription, wherein the steps comprise:

determining the type of the currently contracted credit and repayment is a payment type accumulation fund credit and repayment;

and determining the communication address of the external center according to the loan information, pushing the signing information of the current signing to the external center, so that the external center determines the communication address of the local center according to the signing information of the current signing, and pushing the reimbursement information of the current signing to the local center when reimbursing.

Preferably, the self-processing conditions of the local center contracted by the public fund loan include: the loan type of the current contractor is a public accumulation loan, and the loan of the current contractor is recorded in the center;

if the current contractor meets the signing conditions and the loan information meets the self-processing conditions of the local center signed by the public deposit loan, determining the type of the currently signed loan payment, comprising the following steps:

and determining the type of the currently contracted credit and repayment for the direct-charging type public accumulation fund loan.

Preferably, the method further comprises the following steps:

judging whether the current signed signing type is the public accumulation loan signing type;

if the current signed contract type is the contract of the public deposit loan, judging that the current signed charge-back loan type is the direct-charging type public deposit loan charge-back loan or the account-reporting type public deposit loan charge-back loan;

if the type of the currently signed contract is the direct type accumulation fund loan repayment, adding the signing information corresponding to the current subscription into a first list;

and if the type of the currently contracted contract is the account-reporting type accumulation fund loan repayment, adding the contract information corresponding to the current contract into a second list.

Preferably, the method further comprises the following steps:

on a first fixed day of each month, the local center determines a first reimbursement amount of each subscription according to the subscription information of each subscription in the first list;

the local center carries out reimbursement according to the first reimbursement amount;

the local center receives a second reimbursement amount corresponding to each subscription in the second list transmitted by the external center;

and on a second fixed day of each month, the local center performs reimbursement according to a second reimbursement amount corresponding to each contract in the second list, wherein the second fixed day is not earlier than the first fixed day.

Preferably, the cross-center interconnection condition for the commercial loan contract comprises:

the loan type of the current contractor is commercial loan, the current contractor corresponds to a common lender, the current contractor has no contract signing record, and the common lender has a contract signing record in an external center.

Preferably, if the current contractor meets the contract signing condition, and the loan information meets the cross-center interconnection condition of commercial loan contract signing;

determining the type of the currently contracted payment type as an account-reporting type commercial loan payment;

determining a communication address of the external center according to the loan information, pushing the signing information of the current signing to the external center, enabling the external center to determine the communication address of the local center according to the signing information of the current signing, and pushing the reimbursement information of the current signing to the local center when reimbursing;

judging whether the currently signed main lender is the current subscriber or the common lender;

if the currently signed main lender is the current subscriber, setting the current subscriber as a first order deduction person;

and if the currently signed main borrower and lender are the common borrowers, setting the currently signed main borrower and lender as a second-order deducted person.

Preferably, the local self-processing conditions for the commercial loan contract comprise:

the loan type of the current contractor is commercial loan, the current contractor corresponds to a common lender, the current contractor has no contract signing record, and the common lender has a contract signing record in the center;

or the loan type of the current contractor is commercial loan, the current contractor corresponds to a common lender, the current contractor has no contract signing record, and the common lender has no contract signing record;

if the current contractor meets the signing conditions and the loan information meets the self-processing conditions of the local center signed by the commercial loan, determining the type of the currently signed loan payment, comprising:

and determining the type of the currently signed business loan payment as an account-reporting type business loan payment, and setting the current subscriber as a direct deduction person.

Preferably, the method further comprises the following steps:

judging whether the signing type of the current signing is commercial loan signing or not;

if the contract signing type of the current contract signing is the commercial loan contract signing, judging that the current contract signing is a direct deduction person, a first sequence deduction person or a second sequence deduction person;

if the current subscriber is a direct deduction person, adding the subscription information corresponding to the current subscription into a third list;

if the current subscriber is a first order money deduction person, adding the subscription information corresponding to the current subscription into a fourth list;

and if the current subscriber is a second sequential deduction person, adding the subscription information corresponding to the current subscription into a fifth list.

Preferably, the method further comprises the following steps:

on a first determined day of each month, the local center acquires repayment information corresponding to each contract signing in the third list and the fourth list by a bank system;

the local center determines the local center reimbursement amount and the foreign center reimbursement amount of each subscription according to the repayment information and the subscription information corresponding to each subscription in the third list and the fourth list;

the local center carries out reimbursement according to the reimbursement amount of the local center;

the local center transmits the reimbursement amount of the external center corresponding to each subscription in the fourth list to the external center so that the external center reimburses the reimbursement amount of the external center according to the reimbursement amount of the external center;

the local center receives the reimbursement amount corresponding to each subscription in the fifth list transmitted by the external center;

and on a second determined day of each month, the local center performs reimbursement according to the reimbursement amount corresponding to each contract in the fifth list, wherein the second determined day is not earlier than the first determined day.

In another aspect, embodiments herein provide a cross-center impulse repayment apparatus, the apparatus comprising:

a determination module: the system comprises a contract signing server, a contract signing server and a contract signing server, wherein the contract signing server is used for determining a contract signing type of a current contract signing according to loan information of the current contract signing, and the loan information comprises a loan record of the current contract signing in a local center or an external center;

a judging module: the system is used for judging whether the current contractor meets the signing conditions or not and whether the loan information meets the cross-center interconnection conditions of the corresponding signing type or not;

an interconnection signing module: if the current contractor meets the signing conditions and the loan information meets the cross-center interconnection conditions of the corresponding signing type; determining the type of the credit and debit of the current subscription, and interconnecting the local center and the external center through the subscription information of the current subscription.

In yet another aspect, embodiments herein also provide a computer device comprising a memory, a processor, and a computer program stored on the memory, the computer program, when executed by the processor, performing the instructions of any one of the methods described above.

In yet another aspect, embodiments herein also provide a computer-readable storage medium having stored thereon a computer program, which when executed by a processor of a computer device, performs the instructions of any one of the methods described above.

As can be seen from the technical solutions provided in the embodiments above, in the embodiments herein, after the center and the outer center are interconnected through the subscription information, the multiple centers can be communicatively connected through interconnection, and after the multiple centers are communicatively connected, the multiple centers can communicate with each other. When a contractor changes a payment center, information can be exchanged between the two centers before and after the change through communication connection between the two centers before and after the change, and further, the situation that the two centers independently reimburse is prevented.

In order to make the aforementioned and other objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with figures are described in detail below.

Drawings

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

Fig. 1 is a schematic flow chart illustrating a cross-center impulse repayment method provided in an embodiment of the present disclosure;

fig. 2 is another schematic flow chart diagram illustrating a cross-center impulse repayment method provided by an embodiment of the present disclosure;

fig. 3 illustrates a first additional flowchart of a cross-center impulse repayment method provided by an embodiment of the present disclosure;

fig. 4 is a second additional flowchart of a cross-center impulse loan repayment method provided by an embodiment of the disclosure;

fig. 5 is a schematic flow chart illustrating the process of the embodiment of the present disclosure after the current contractor meets the contract-signing conditions and the loan information meets the cross-center interconnection conditions of the commercial loan contract-signing;

fig. 6 illustrates a third additional flowchart of a cross-center impulse repayment method provided by an embodiment herein;

fig. 7 illustrates a fourth additional flowchart of a cross-center impulse repayment method provided by an embodiment herein;

fig. 8 is a schematic block diagram illustrating a cross-center impulse loan repayment apparatus according to an embodiment of the present disclosure;

fig. 9 shows a schematic structural diagram of a computer device provided in an embodiment herein.

Description of the symbols of the drawings:

100. a determination module;

200. a judgment module;

300. an interconnection subscription module;

902. a computer device;

904. a processor;

906. a memory;

908. a drive mechanism;

910. an input/output module;

912. an input device;

914. an output device;

916. a presentation device;

918. a graphical user interface;

920. a network interface;

922. a communication link;

924. a communication bus.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments herein without making any creative effort, shall fall within the scope of protection.

In the conventional daily loan transaction, most of the regional accumulation fund centers adopt an independent system deployment mode, and the centers cannot be connected in the next year of communication to form an information island. However, due to a change in work of the contractor or the like, a change in payment center or the like may occur, and the center before the change cannot acquire the current payment of the contractor, and the contractor may individually reimburse both the center before the change and the current center every month.

To address the above-mentioned problems, embodiments herein provide a method for cross-center impulse repayment. Fig. 1 is a schematic diagram of steps of a cross-center impulse repayment method provided in an embodiment herein, and the present specification provides the method operation steps as described in the embodiment or the flowchart, but may include more or less operation steps based on conventional or non-creative labor. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual system or apparatus product executes, it can execute sequentially or in parallel according to the method shown in the embodiment or the figures.

Referring to fig. 1, a method of cross-center impulse repayment comprising the steps of:

s101: determining the current signed signing type according to the loan information of the current signatory, wherein the loan information comprises the loan record of the current signatory in a local center or an external center;

s102: judging whether the current contractor meets the signing conditions or not and whether the loan information meets the cross-center interconnection conditions of the corresponding signing type or not;

s103: if the current contractor meets the signing conditions and the loan information meets the cross-center interconnection conditions of the corresponding signing type; determining the type of the credit and debit of the current subscription, and interconnecting the local center and the external center through the subscription information of the current subscription.

In the prior art, each center is an independently operating system, and in the embodiment of the present application, after the center and the outer center are interconnected through subscription information, communication connection can be realized between the multiple centers through interconnection, and after the multiple centers are connected through communication, information intercommunication can be realized between the multiple centers. When the contractor changes the payment center and other conditions, the communication between the two centers before and after the change can be connected through the subscription information, so that the mutual communication of the information is realized, and the condition that two places independently report the expense is prevented.

In an embodiment herein, the subscription conditions include: the current contractor has no public accumulation fund account and no outstanding loan; the subscription type includes: a contract for a public accumulation loan and a contract for a commercial loan.

Specifically, the subsequent operation can be performed only when the current contractor has no public accumulation fund account or has outstanding loan, wherein the public accumulation fund-free account of the contractor is a public accumulation fund account which is not normally used by the contractor at present, but can have a cancelled public accumulation fund account. For the accumulation fund center, each accumulation fund center can look up the current contractor information through a detail table, and the contractor information comprises the accumulation fund account condition, the loan repayment condition and the loan information. The detail table can be updated regularly, so that the public accumulation fund center can acquire the latest contractor information.

Wherein the loan information further comprises: the type of the contractor's loan, the public accumulation fund center where the contractor's loan records are located, and the communication address of the corresponding public accumulation fund center.

In the embodiment, the cross-center interconnection condition for signing the public accumulation fund loan comprises:

Further, if the current contractor meets the contract signing condition, and the loan information meets the cross-center interconnection condition of the public accumulation fund loan contract signing;

Specifically, the subscription information includes a subscription's public accumulation fund loan number, a repayment type, and a communication address of the public accumulation fund center to which the subscription belongs. After the communication address of the outer center is determined through the loan information, the signing information can be transmitted to the outer center, and after the outer center receives the signing information, the outer center can mark the corresponding signing to facilitate later identification of the signing which is in communication interconnection with the outer center. The subscription information also contains the communication address of the center, so that the interconnection between the two centers can be realized.

In the prior art, because the loan information does not contain the communication address of the external center, the local center cannot transmit the contract information to the external center, and the contract information does not contain the communication address of the local center, the external center cannot push the reimbursement information to the local center, and finally, the two centers cannot be in communication connection with each other about the current loan contract situation. The embodiment of the application solves the problems, and each public accumulation fund center can access the public accumulation fund center communication address table to obtain the communication address of an external center or a local center so as to determine the current signed loan information and the signed contract information. Therefore, the communication connection between the center and the outer center is formed, the communication and interaction about the same loan contract signing between the two centers can be realized, and the situation that an information island is formed by a single public accumulation fund center is prevented.

For example, it is assumed that a current contractor purchases a set of property with a public fund loan at a foreign place, the loan of the property is recorded at a foreign center, but the current contractor works locally, taxes, and contracts at the home center due to work mobilization and the like. In the above situation, for the current contractor's loan contract situation, the two centers need to be interconnected. When the public deposit reimbursement is carried out every month, the reimbursement information is pushed to the center by the outer center according to the communication address of the center, after the center records and reimburses the relevant information, reimbursement results are transmitted to the outer center according to the communication address of the outer center, and the outer center records the relevant reimbursement results, so that normal communication and exchange of the current contractor loan subscription information between the two centers are ensured, and the condition of violating the public deposit use rule is prevented.

Referring to fig. 2, in an embodiment herein, the method further comprises, in parallel with step S103, the step of:

s104: and if the current contractor meets the signing conditions and the loan information meets the self-processing conditions of the local center corresponding to the signing type, determining the type of the currently signed repayment.

Further, the self-processing conditions of the local center signed by the public accumulation fund loan comprise: the loan type of the current contractor is a public accumulation loan, and the loan of the current contractor is recorded in the center.

Further, if the current contractor meets the contract signing condition and the loan information meets the local center self-processing condition of the public deposit loan contract signing, determining the type of the currently signed loan payment, comprising:

Specifically, after the self-processing conditions of the local center meeting the contract of the public accumulation fund loan are met, the local center does not need to be interconnected with the external center. For example, it is assumed that a current contractor purchases a set of property locally through a public fund loan, the loan of the property is recorded in the local center, and the current contractor works, taxes, and signs a contract in the local center. Under the above condition, for the current contractor's loan contract signing condition, the interconnection between the two centers is not needed, and only the center needs to process the contract signing condition.

However, if the current subscriber goes to foreign work, the corresponding foreign center establishes contact with the home center about the subscription information of the current subscriber. Specifically, the outer center sends the corresponding subscription information to the center according to the communication address of the center, and the center receives and marks the subscription information corresponding to the subscription, so as to facilitate later identification of the subscription in communication interconnection with the outer center. When the public deposit reimbursement is carried out monthly, the local center needs to push reimbursement information to the external center according to the communication address of the external center, after the external center records and reimburses relevant information, reimbursement results are transmitted to the local center according to the communication address of the local center, and the local center records the relevant reimbursement results, so that normal communication of the current contractor loan subscription information between the two centers is ensured, and the condition of violating the public deposit use rule is prevented.

Referring to fig. 3, in this embodiment, after the step S103 and the step S104, the method further includes:

s201: judging whether the current signed signing type is the public accumulation loan signing type;

s202: if the current signed contract type is the contract of the public deposit loan, judging that the current signed charge-back loan type is the direct-charging type public deposit loan charge-back loan or the account-reporting type public deposit loan charge-back loan;

s2021: if the type of the currently signed contract is the direct type accumulation fund loan repayment, adding the signing information corresponding to the current subscription into a first list;

s2022: if the type of the currently contracted credit is the account-type accumulation fund credit,

adding the subscription information corresponding to the current subscription into a second list.

Specifically, the subscription information corresponding to the subscription with the subscription type of the public accumulation fund loan subscription and the charging and repaying type of the direct charging type public accumulation fund loan subscription is added into a first list; and adding the subscription information corresponding to the subscription with the subscription type of the public deposit loan subscription and the payoff type of the account-reporting type of the public deposit loan subscription into a second list.

Referring to fig. 4, further, the method further includes:

s301: on a first fixed day of each month, the local center determines a first reimbursement amount of each subscription according to the subscription information of each subscription in the first list;

s302: the local center carries out reimbursement according to the first reimbursement amount;

s303: the local center receives a second reimbursement amount corresponding to each subscription in the second list transmitted by the external center;

s304: and on a second fixed day of each month, the local center performs reimbursement according to a second reimbursement amount corresponding to each contract in the second list, wherein the second fixed day is not earlier than the first fixed day.

Specifically, the subscription information further includes a first reimbursement amount, for the signed subscription, the first reimbursement amount includes a total reimbursement amount, a reimbursement amount of the local center, and a reimbursement amount of the external center, and for the subscription without the mark, the first reimbursement amount includes a total reimbursement amount, a reimbursement amount of the local center, and the subscription without the mark does not require the reimbursement of the external center.

Determining the total reimbursement amount of each subscription and the reimbursement amount of the center on the first fixed day of each month, if the total reimbursement amount is greater than or equal to the reimbursement amount of the center, the center reimburses the amount of money corresponding to the reimbursement amount of the center, and if the subscription is marked, the reimbursement amount of the outer center is the total reimbursement amount minus the reimbursement amount of the center; if the total reimbursement amount is less than the reimbursement amount of the center, the center reimburses the total reimbursement amount, and if the contract is marked, the reimbursement amount of the outer center is zero.

And after reimbursing according to the first reimbursement amount, transmitting the signing information corresponding to the signing with the marks in all the signing to the external center, and after receiving the signing information, the external center reimburses.

For the subscriptions in the second list, each subscription in the second list is marked by a corresponding outer center. And before the second fixed day of each month, the outer center sends the signed contracts marked by the outer center to the center, and the center determines the second reimbursement amount of each contract after receiving the second reimbursement amount, wherein when the second reimbursement amount is larger than zero, the center reimburses the amount corresponding to the second reimbursement amount on the second fixed day of each month.

For example, if a certain property a is purchased at an external center, but the local center contracts a posting type of public deposit loan repayment, the external center does not post the loan on the second fixed day of each month, but transmits the second posting amount of the property a corresponding to the local center according to the communication address of the local center, and the local center posts the loan.

Suppose that a certain house property and a certain house property B are in a couple relationship, two persons buy a set of house property at a common external center, the A certain house property signs an account-reporting type public accumulation loan repayment at the center, the B certain house property signs a direct-flushing type public accumulation loan repayment at the external center, the external center firstly performs the reimbursement on the corresponding house property B according to the first reimbursement amount at the first fixed day of each month, then transmits the second reimbursement amount to the center, and the center reimburses the corresponding house property A according to the second reimbursement amount.

In the embodiment, the cross-center interconnection condition for the commercial loan contract comprises:

Referring to fig. 5, further, if the current contractor meets the contract signing condition and the loan information meets the cross-center interconnection condition of commercial loan contract signing;

s1031: determining the type of the currently contracted payment type as an account-reporting type commercial loan payment;

s1032: determining a communication address of the external center according to the loan information, pushing the signing information of the current signing to the external center, enabling the external center to determine the communication address of the local center according to the signing information of the current signing, and pushing the reimbursement information of the current signing to the local center when reimbursing;

s1033: judging whether the currently signed main lender is the current subscriber or the common lender;

s1034: if the currently signed main lender is the current subscriber, setting the current subscriber as a first order deduction person;

s1035: and if the currently signed main borrower and lender are the common borrowers, setting the currently signed main borrower and lender as a second-order deducted person.

Specifically, a common lender is ubiquitous in bank loan transaction, and most typically in a house loan, a couple or a common buyer of a house applies for a loan from a bank as a common borrower.

After the communication address of the outer center is determined through the loan information, the signing information can be transmitted to the outer center, the outer center receives the signing information, the signing information comprises the communication address of the outer center, and therefore interconnection between the two centers can be achieved.

According to the embodiment of the application, the communication address of the outer center is determined through the loan information, and then the communication address of the outer center is determined through the subscription information, so that the communication connection between the outer center and the outer center is formed, the communication and interaction about the same loan subscription between the two centers can be realized, and the condition that an independent public accumulation fund center forms an information island is prevented.

For example, suppose that a current contractor a purchases a set of real estate with a commercial loan at a place outside his spouse B, and the loan of the real estate is recorded in the foreign center, but due to work movement and the like, a works locally, taxes, and signs contract at the local center, but B works at a place outside and signs contract with the foreign center. Under the above condition, if A is a principal lender, A is a first-order deduction person, then the reimbursement is carried out by the center firstly and then by the outer center when reimbursement is carried out; if B is a principal lender, A is a second-order deduction person, and when the payment is made, the payment is made from the external center and then from the local center.

In this embodiment, for step S104, further:

the self-processing conditions of the local center signed with the commercial loan comprise:

further, if the current contractor meets the contract signing condition and the loan information meets the local center self-processing condition of commercial loan contract signing, determining the type of the currently signed loan payment, comprising:

Specifically, if the current contractor meets the contract signing conditions and the loan information meets the self-processing conditions of the local center signed by the commercial loan, the local center does not need to be interconnected with the external center. For example, it is assumed that the current contractor and his/her common lender purchase a set of real estate on a public deposit loan, the loan of the real estate is recorded in the local center, the current contractor works locally, taxes, and signs a contract in the local center, and the common lender also signs a contract with the local center. Under the above condition, for the current contractor's loan contract signing condition, the interconnection between the two centers is not needed, and only the center needs to process the contract signing condition.

However, if the current contractor has no contract-signing record and the common borrower also has no contract-signing record, the current contractor is set as the direct deduct regardless of whether the principal borrower is the current contractor or the common borrower. In this case, two persons borrow and purchase a real estate together, but the common borrower does not contract a contract, and the corresponding accumulation fund center does not reimburse the contract. Later stage, if the people of borrowing jointly and this center sign a contract, no matter the owner is borrowed the people of borrowing jointly or is the current contractor, the current contractor still is the direct person of deducting money, if the people of borrowing jointly is signed a contract with outer center, when the owner is borrowed the people of borrowing to be the current contractor, the current contractor will become first order person of deducting money, when the owner is borrowed the people of borrowing jointly, the current contractor becomes the second order person of deducting money.

Referring to fig. 6, in this embodiment, after the above step S103 and step S104, the method further includes:

s401: judging whether the signing type of the current signing is commercial loan signing or not;

s402: if the contract signing type of the current contract signing is the commercial loan contract signing, judging that the current contract signing is a direct deduction person, a first sequence deduction person or a second sequence deduction person;

s4021: if the current contract person is a direct deduction person, the contract corresponding to the current contract is signed

Adding information into a third list;

s4022: if the current subscriber is a first order money deduction person, adding the subscription information corresponding to the current subscription into a fourth list;

s4023: and if the current subscriber is a second sequential deduction person, adding the subscription information corresponding to the current subscription into a fifth list.

Specifically, the contract type is a commercial loan contract, a third list is added by a payer who is called directly when the buyer is signed currently, a fourth list is added by a first-order payer when the buyer is signed currently, and a fifth list is added by a second-order payer when the buyer is signed currently.

Referring to fig. 7, in an embodiment herein, the method further comprises:

s501: on a first determined day of each month, the local center acquires repayment information corresponding to each contract signing in the third list and the fourth list by a bank system;

s502: the local center determines the local center reimbursement amount and the foreign center reimbursement amount of each subscription according to the repayment information and the subscription information corresponding to each subscription in the third list and the fourth list;

s503: the local center carries out reimbursement according to the reimbursement amount of the local center;

s504: the local center transmits the reimbursement amount of the external center corresponding to each subscription in the fourth list to the external center so that the external center reimburses the reimbursement amount of the external center according to the reimbursement amount of the external center;

s505: the local center receives the reimbursement amount corresponding to each subscription in the fifth list transmitted by the external center;

s506: and on a second determined day of each month, the local center performs reimbursement according to the reimbursement amount corresponding to each contract in the fifth list, wherein the second determined day is not earlier than the first determined day.

Specifically, on the first determined day of each month, the center obtains repayment information from the bank system, wherein the repayment information includes the amount to be reported by the public deposit center. For the contracts in the third list, the amount of reimbursement from the outer center is zero because the contracts are not interconnected with the outer center, and for the contracts in the fourth list, the amount of reimbursement from the outer center is the amount of reimbursement from the accumulation center minus the amount of reimbursement from the outer center.

And after the central reimbursement, pushing the reimbursement amount of the outer center corresponding to each contract in the fourth list to the outer center through the communication address of the outer center, so that the outer center reimburses. Similarly, the external center transmits the external center reimbursement amount (corresponding to the reimbursement amount in the fifth list of the local center) corresponding to each contract in the fourth list to the local center, and the local center reimburses the external center on the second determined day of each month.

For example, suppose that a and B are a couple, and two people buy a set of real estate at the same external center, a signs up the payment type commercial loan payment and repayment at the local center as the first-order payer, and B signs up the payment type commercial loan payment and repayment at the external center as the second-order payer. On the first fixed day of each month, the central office firstly reimburses the reimbursement amount of the corresponding property A according to the central office, then transmits the reimbursement amount of the outer center to the outer center, and the outer center reimburses the reimbursement amount of the corresponding property B according to the outer center (corresponding to the reimbursement amount of the outer center).

Based on the method for cross-center impulse repayment described above, the embodiments herein also provide a device for cross-center impulse repayment. The apparatus may include systems (including distributed systems), software (applications), modules, components, servers, contractor sites, etc. that employ the methods described in embodiments herein, in conjunction with any necessary apparatus to implement the hardware. Based on the same innovative concepts, embodiments herein provide an apparatus as described in the following embodiments. Since the implementation scheme of the apparatus for solving the problem is similar to that of the method, the specific apparatus implementation in the embodiment of the present disclosure may refer to the implementation of the foregoing method, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.

Specifically, fig. 8 is a schematic block diagram of an embodiment of a cross-center impulse repayment apparatus provided in the embodiment of the present disclosure, and referring to fig. 8, the cross-center impulse repayment apparatus provided in the embodiment of the present disclosure includes: the system comprises a determining module 100, a judging module 200 and an interconnection signing module 300.

A determining module 100, configured to determine a subscription type of the current contract according to loan information of a current contractor, where the loan information includes that a loan record of the current contractor is recorded in a local center or an external center;

a judging module 200, configured to judge whether the current contractor meets the contract signing conditions and whether the loan information meets the cross-center interconnection conditions of the corresponding contract signing type;

an interconnection signing module 300, if the current signatory accords with the signing conditions and the loan information accords with the cross-center interconnection conditions of the corresponding signing type; determining the type of the credit and debit of the current subscription, and interconnecting the local center and the external center through the subscription information of the current subscription.

In an embodiment herein, referring to fig. 9, there is also provided a computer device 902. Computer device 902 may include one or more processors 904, such as one or more Central Processing Units (CPUs) or Graphics Processors (GPUs), each of which may implement one or more hardware threads. The computer device 902 may also comprise any memory 906 for storing any kind of information, such as code, settings, data, etc., and in a particular embodiment a computer program on the memory 906 and executable on the processor 904, which computer program, when executed by the processor 904, may perform the instructions according to the above-described method. For example, and without limitation, memory 906 may include any one or more of the following in combination: any type of RAM, any type of ROM, flash memory devices, hard disks, optical disks, etc. More generally, any memory may use any technology to store information. Further, any memory may provide volatile or non-volatile retention of information. Further, any memory may represent fixed or removable components of computer device 902. In one case, when the processor 904 executes the associated instructions, which are stored in any memory or combination of memories, the computer device 902 can perform any of the operations of the associated instructions. The computer device 902 also includes one or more drive mechanisms 408, such as a hard disk drive mechanism, an optical disk drive mechanism, or the like, for interacting with any memory.

Computer device 902 may also include an input/output module 910(I/O) for receiving various inputs (via input device 912) and for providing various outputs (via output device 914). One particular output mechanism may include a presentation device 916 and an associated graphical user interface 918 (GUI). In other embodiments, input/output module 910(I/O), input device 912, and output device 914 may also be excluded, acting as only one computer device in a network. Computer device 902 may also include one or more network interfaces 920 for exchanging data with other devices via one or more communication links 922. One or more communication buses 924 couple the above-described components together.

Communication link 922 may be implemented in any manner, such as over a local area network, a wide area network (e.g., the Internet), a point-to-point connection, etc., or any combination thereof. Communication link 922 may include any combination of hardwired links, wireless links, routers, gateway functions, name servers, etc., governed by any protocol or combination of protocols.

Corresponding to the methods in fig. 1-7, the embodiments herein also provide a computer-readable storage medium having stored thereon a computer program, which, when executed by a processor, performs the steps of the above-described method.

Embodiments herein also provide computer readable instructions, wherein when executed by a processor, a program thereof causes the processor to perform the method as shown in fig. 1-7.

It should be understood that, in various embodiments herein, the sequence numbers of the above-mentioned processes do not mean the execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments herein.

It should also be understood that, in the embodiments herein, the term "and/or" is only one kind of association relation describing an associated object, meaning that three kinds of relations may exist. For example, a and/or B, may represent: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the character "/" herein generally indicates that the former and latter related objects are in an "or" relationship.

Those of ordinary skill in the art will appreciate that the elements and algorithm steps of the examples described in connection with the embodiments disclosed herein may be embodied in electronic hardware, computer software, or combinations of both, and that the components and steps of the examples have been described in a functional general in the foregoing description for the purpose of illustrating clearly the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present disclosure.

It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.

In the several embodiments provided herein, it should be understood that the disclosed system, apparatus, and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may also be an electric, mechanical or other form of connection.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purposes of the embodiments herein.

In addition, functional units in the embodiments herein may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solutions of the present invention may be implemented in a form of a software product, which is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the methods described in the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.

The principles and embodiments of this document are explained herein using specific examples, which are presented only to aid in understanding the methods and their core concepts; meanwhile, for the general technical personnel in the field, according to the idea of this document, there may be changes in the concrete implementation and the application scope, in summary, this description should not be understood as the limitation of this document.

Claims

1. A method of cross-center impulse repayment, comprising the steps of:

2. A method of cross-center impulse repayment as recited in claim 1, further comprising:

3. The method of claim 2, wherein the cross-center interconnection condition for the contract of the public fund loan comprises:

4. A method of cross-center hedge loan repayment as claimed in claim 3, wherein if the current contractor meets the contract signing conditions and the loan information meets the cross-center interconnection conditions of the contract signing of the public fund loan;

5. The method of claim 4, wherein the local self-processing conditions for the contract of the public fund loan comprise: the loan type of the current contractor is a public accumulation loan, and the loan of the current contractor is recorded in the center;

6. The method of claim 5, further comprising:

7. The method of claim 6, further comprising:

8. A method of cross-center impulse repayment as claimed in claim 2, wherein said cross-center interconnection conditions under which said commercial loan is contracted comprise:

9. The method of claim 8, wherein if the current contractor meets the contract-signing conditions and the loan information meets the contract-signing cross-center interconnection conditions of commercial loans;

10. The method of claim 9, wherein the local self-processing conditions of the commercial loan subscription comprise:

11. A method of cross-center impulse repayment as recited in claim 10, further comprising:

12. A method of cross-center impulse repayment as claimed in claim 11, further comprising:

13. A cross-center impulse repayment apparatus, comprising:

14. A computer device comprising a memory, a processor, and a computer program stored on the memory, wherein the computer program, when executed by the processor, performs the instructions of the method of any one of claims 1-12.

15. A computer-readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor of a computer device, is adapted to carry out the instructions of the method according to any one of claims 1-12.