CN113129130A - Repayment transaction data processing method and device, storage medium and computer equipment - Google Patents
Repayment transaction data processing method and device, storage medium and computer equipment Download PDFInfo
- Publication number
- CN113129130A CN113129130A CN202110475135.3A CN202110475135A CN113129130A CN 113129130 A CN113129130 A CN 113129130A CN 202110475135 A CN202110475135 A CN 202110475135A CN 113129130 A CN113129130 A CN 113129130A
- Authority
- CN
- China
- Prior art keywords
- repayment
- time
- payment
- transactions
- transaction
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
Abstract
The application relates to the technical field of data processing, and discloses a repayment transaction data processing method, a device, a storage medium and computer equipment, wherein the method comprises the following steps: acquiring all repayment transactions under a loan contract signed by a user from a bank terminal, and arranging the repayment transactions in a reverse order according to repayment and account entry time of each repayment transaction; according to the repayment time agreed in the loan contract, suspending the repayment transactions after the repayment posting time according to the reverse sequence of the repayment posting time, and performing posting processing on the suspended repayment transactions; and screening target repayment transactions with actual repayment time before the repayment time and repayment posting time after the repayment time from the repayment transactions subjected to posting processing, and tracing each target repayment transaction to the actual repayment time for posting processing, so that the posted abnormal repayment transactions are posted again according to the actual repayment time, the abnormal transaction data are automatically processed, and the accuracy of the repayment transactions is ensured.
Description
Technical Field
The present application relates to the field of data processing technologies, and in particular, to a method and an apparatus for processing payment transaction data, a storage medium, and a computer device.
Background
At present, most banks are equipped with bank terminals which are not limited by bank business time and can self-service various services, such as deposit, withdrawal, transfer, inquiry, payment and repayment, and enjoy convenient self-service.
In the process of handling repayment business by a client using a bank terminal, the repayment transaction information filled in the bank terminal by the client is incomplete, or the repayment transaction information is not uploaded to an accounting system for processing under the condition that a network signal of the bank terminal is poor or a machine is wrong when repayment occurs, so that the accounting system can calculate penalty normally, the repayment transaction completed by the client on time is not completed according to actual repayment time, and the situations of multiple repayment, incorrect actual repayment amount and the like occur.
Disclosure of Invention
The application mainly aims to provide a repayment transaction data processing method, a device, a storage medium and computer equipment, and aims to solve the technical problem that the repayment transaction is wrong due to the fact that account entry is not completed according to actual repayment time in the existing repayment transaction mode.
In order to achieve the above object, the present application provides a payment transaction data processing method, including the following steps:
acquiring all repayment transactions under a loan contract signed by a user from a bank terminal, and arranging the repayment transactions in a reverse order according to the repayment posting time of each repayment transaction;
according to the repayment time agreed in the loan contract, suspending the repayment transaction after the repayment posting time according to the reverse order of the repayment posting time, and performing posting processing on the suspended repayment transaction;
screening target repayment transactions from the repayment transactions subjected to account checking, backtracking each target repayment transaction to actual repayment time for performing account checking, and issuing the repayment transactions subjected to account checking to the bank terminal for making a certificate; wherein the actual repayment time of the target payment transaction is before the repayment time and the repayment posting time is after the repayment time.
Optionally, the step of tracing back each target repayment transaction to an actual repayment time for posting, includes:
and redistributing each target payment transaction to each accounting server according to the corresponding actual payment time, and backtracking the payment time corresponding to each target payment transaction to the actual payment time by each accounting server according to the actual payment time and performing one-by-one account posting processing.
In an embodiment, after the step of reallocating each of the target payment transactions to each accounting server according to the corresponding actual payment time, the method further includes:
traversing the transaction information of all the target payment transactions, and checking whether the transaction information of all the target payment transactions is wrongly input;
extracting the payment transactions with errors recorded from all the target payment transactions, canceling the payment transactions with errors recorded, and resubmitting and distributing the cancelled payment transactions to each accounting server according to the payment time to complete the posting.
Optionally, the step of verifying whether the transaction information of all the target payment transactions is entered with errors includes:
comparing the transaction information with standard transaction information pre-entered by the user in a bank terminal;
and when the transaction information is determined to be inconsistent with the standard transaction information according to the comparison result, determining that the payment transaction with the error is recorded.
Optionally, the step of resubmitting and distributing the cancelled payment transaction to each accounting server according to the payment time to complete posting includes:
acquiring the number of the current payment transactions to be checked of each checking server, and performing reverse sequencing on each checking server according to the number of the current payment transactions to be checked;
establishing a one-to-one correspondence relationship according to the front and back sequence of the repayment time and the reverse sequence of each accounting server, and resubmitting and distributing the cancelled repayment transaction to each accounting server according to the correspondence relationship to complete the posting.
Further, after the step of suspending the payment transactions after the repayment posting time according to the reverse order of the repayment posting time, the method further comprises:
calculating penalty messages generated by the suspended payment transaction;
and returning the penalty information to the account of the user, calling a credit record of the user, and deleting an overdue record corresponding to the suspended repayment transaction in the credit record.
Optionally, the step of calculating a penalty incurred for the pending payment transaction comprises:
calling a penalty calculation function pre-stored in a function database;
and calculating the penalty generated by the suspended repayment transaction according to the penalty calculation function.
The present application further provides a payment transaction data processing apparatus, comprising:
the system comprises an acquisition module, a payment processing module and a payment processing module, wherein the acquisition module is used for acquiring all payment transactions under a loan contract signed by a user from a bank terminal and arranging the payment transactions in a reverse order according to the payment posting time of each payment transaction;
the suspension module is used for suspending the repayment transactions after the repayment posting time according to the repayment time agreed in the loan contract and suspending the suspended repayment transactions according to the reverse order of the repayment posting time;
the screening module is used for screening target repayment transactions from the repayment transactions subjected to account checking, backtracking each target repayment transaction to actual repayment time for performing account checking processing, and sending the repayment transactions subjected to account checking to the bank terminal for making a certificate; wherein the actual repayment time of the target payment transaction is before the repayment time and the repayment posting time is after the repayment time.
The present application further provides a computer device comprising a memory and a processor, the memory storing a computer program, the processor implementing the steps of any of the above methods when executing the computer program.
The present application also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, carries out the steps of the method of any of the above.
According to the repayment transaction data processing method, the device, the storage medium and the computer equipment, all repayment transactions under a loan contract signed by a user are obtained from a bank terminal, and the repayment transactions are arranged in a reverse order according to the repayment posting time of each repayment transaction; according to the repayment time agreed in the loan contract, suspending the repayment transactions after the repayment posting time according to the reverse sequence of the repayment posting time, and performing posting processing on the suspended repayment transactions; screening target repayment transactions from the repayment transactions subjected to the account checking processing, backtracking each target repayment transaction to actual repayment time for account checking processing, and issuing the repayment transactions subjected to the account checking to the bank terminal for making a certificate; the target repayment transaction is the repayment transaction with the actual repayment time before the repayment time and the repayment posting time after the repayment time, so that the posted abnormal target repayment transaction is suspended, the target repayment transaction is traced back, the target repayment transaction is posted again according to the actual repayment time, and the target repayment transaction is issued to the bank terminal for making a certificate, the abnormal transaction data are automatically processed, and the accuracy of the repayment transaction is ensured.
Drawings
FIG. 1 is a schematic flow chart illustrating a payment transaction data processing method according to an embodiment of the present application;
FIG. 2 is a block diagram of a payment transaction data processing apparatus according to an embodiment of the present application;
fig. 3 is a block diagram illustrating a structure of a computer device according to an embodiment of the present application.
The implementation, functional features and advantages of the objectives of the present application will be further explained with reference to the accompanying drawings.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.
According to the repayment transaction data processing method provided in the embodiment of the application, in order to solve the technical problem that the current repayment transaction is wrong, and multiple repayment is caused, referring to fig. 1, the repayment transaction data processing method includes the steps of:
s1, acquiring all repayment transactions under the loan contract signed by the user from the bank terminal, and arranging the repayment transactions in a reverse order according to the repayment posting time of each repayment transaction;
s2, according to the repayment time agreed in the loan contract, suspending the repayment transactions after the repayment posting time according to the reverse order of the repayment posting time, and suspending the suspended repayment transactions;
s3, screening target repayment transactions from the repayment transactions subjected to account checking, tracing each target repayment transaction back to actual repayment time for account checking, and sending the repayment transactions subjected to account checking to the bank terminal for making a certificate; wherein the actual repayment time of the target payment transaction is before the repayment time and the repayment posting time is after the repayment time.
In this embodiment, a server is used as an execution main body, the server can be connected with a bank terminal, a user can complete payment transaction under line through the bank terminal, the bank terminal stores payment transaction records of the user, the server can inquire all payment transactions under a loan contract signed by the user on a page of the bank terminal, the payment transactions are arranged in a reverse order according to payment and account-entering time, the arranged payment transactions can be sent to the bank terminal for display, so that business personnel can visually know all historical payment transactions, and the payment transactions with account-entering errors are sequentially selected as target payment transactions needing account-hanging processing. For example, assuming that the user has three payment transactions and the payment posting is completed on 8 th day 14, 8 th day 15 and 8 th day 16, the three transactions are displayed in reverse order according to the payment posting time on 8 th day 16, 8 th day 15 and 8 th day 14 for inquiry. Each repayment transaction acquired by the server can include information such as repayment time, fund channel (such as safe payment), transaction type (such as general repayment or overdue repayment), transaction amount, principal, interest, penalty (the penalty paid in the actual repayment process), rebate (the rebate paid in the actual repayment process), monthly management fee, pre-repayment, overflowed payment, transaction state (such as normal or abnormal), and the repayment time here is the repayment transaction time predetermined for the repayment transaction. The bank terminal machine is a self-service terminal machine or an automatic terminal machine. The self-service terminal machine comprises cash self-service equipment and non-cash self-service equipment, wherein the cash self-service equipment comprises an Automatic Teller Machine (ATM), an automatic deposit machine (CDM), a cash recycling machine (CRS), a high-speed cash recycling machine (TCR) and the like; the non-cash self-service equipment comprises a deposit book registering machine, a self-service inquiry machine, a self-service payment machine, a self-service card sender, a multimedia self-service terminal, an IC (integrated circuit) rand depositing machine, a self-service internet bank machine and the like.
In addition, after the payment transactions are displayed in the bank terminal in the reverse order, a posting button and a redistribution button can be correspondingly arranged in each payment transaction, so that the salesperson can perform posting operation and redistribution operation based on the posting button and the redistribution button. After the salesman clicks the account hanging button corresponding to at least one repayment transaction, an account hanging processing request can be triggered to be formed, and the account hanging processing request is sent to the server, so that the server can obtain the account hanging processing request formed based on at least one historical repayment transaction.
Further, the server suspends the repayment transactions with the repayment posting time after the repayment time in all the repayment transactions of the user according to the repayment time agreed in the loan contract, and performs posting processing on the suspended repayment transactions, after the posting processing is completed, the server screens out target repayment transactions with the actual repayment time before the repayment time and the repayment posting time after the repayment time from the repayment transactions after the posting processing, namely abnormal repayment transactions which are not processed or processed in time, traces back the target repayment transactions to the actual repayment time for posting processing, and issues the credited repayment transactions to a bank terminal for making a certificate, so that the accuracy of the posting is guaranteed. Continuing to take the above example as an example, when the repayment time of three transactions of the user is 8 months and 13 days, the actual repayment time is 8 months and 10 days, 8 months and 11 days and 8 months and 12 days, and the repayment and deposit time is 8 months and 18 days, so that the penalty is still calculated between 8 months and 13 days and 8 months and 18 days, the target repayment transactions of the three transactions are traced back to the next 8 months and 13 days for deposit processing, and the deposited repayment transactions are issued to the bank terminal for making a certificate, thereby avoiding the situation that the offline repayment transactions of the user cannot be deposited according to the actual repayment time, and the situations of multiple repayment and the actual repayment amount are incorrect, and reducing the occurrence of pre-payment or overflowed payment. The actual repayment time is the actual repayment date of the repayment transaction, and the repayment posting time is the time for posting the repayment transaction.
The repayment transaction data processing method comprises the steps of obtaining all repayment transactions under a loan contract signed by a user from a bank terminal, and arranging the repayment transactions in a reverse order according to repayment and account-entering time of each repayment transaction; according to the repayment time agreed in the loan contract, suspending the repayment transactions after the repayment posting time according to the reverse sequence of the repayment posting time, and performing posting processing on the suspended repayment transactions; screening target repayment transactions from the repayment transactions subjected to the account checking processing, backtracking each target repayment transaction to actual repayment time for account checking processing, and issuing the repayment transactions subjected to the account checking to the bank terminal for making a certificate; the target repayment transaction is the repayment transaction with the actual repayment time before the repayment time and the repayment posting time after the repayment time, so that the posted abnormal target repayment transaction is suspended, the target repayment transaction is traced back, the target repayment transaction is posted again according to the actual repayment time, and the target repayment transaction is issued to the bank terminal for making a certificate, the abnormal transaction data are automatically processed, and the accuracy of the repayment transaction is ensured.
Further, in step S2, after the step of suspending the payment transactions with the payment deposit time after the payment deposit time in the reverse order of the payment deposit time, the method may further include:
calculating penalty messages generated by the suspended payment transaction;
and returning the penalty information to the account of the user, calling a credit record of the user, and deleting an overdue record corresponding to the suspended repayment transaction in the credit record.
In this embodiment, because the customer has finished the online repayment and is currently due to debt or the entire loan, but the accounting system normally calculates the penalty within the period of time confirmed by the staff, the customer cannot check the online repayment according to the actual repayment time, the repayment amount is insufficient, the order state is still in an overdue state, and the customer credit investigation is affected, the application can calculate the penalty by using the basic repayment information of the repayment transaction, return the calculated penalty to the account of the user, call the credit investigation record of the user, delete the overdue record corresponding to the suspended repayment transaction in the credit investigation record, and avoid the loss of the customer.
The basic repayment information may specifically include the loan fund, the repayment deadline, the interest rate, and the repayment mode. The repayment mode mainly comprises equal-amount money repayment and equal-amount money repayment. The repayment of the same amount of the principal interest means that the borrower repays the loan principal with the same amount each month. The equal-amount principal repayment is that the borrower repays the principal by equal amount every month, the loan interest is decreased month by month along with the principal, and the repayment amount is also decreased month by month. The penalty is the interest of the loan on the loser according to the loan contract signed with the party, and the loan on the bank is not returned by the borrower according to the specified term.
Optionally, the step of calculating a penalty incurred by the suspended payment transaction may specifically include:
calling a penalty calculation function pre-stored in a function database;
and calculating the penalty generated by the suspended repayment transaction according to the penalty calculation function.
In this embodiment, the penalty calculation function corresponding to each user may be stored in the function database in advance, and the penalty calculation function of the database may be called later to calculate the penalty generated by the suspended payment transaction. It is to be understood that the penalty calculation function is specifically a function for calculating penalty. Wherein, the penalty calculation function may be: penalty for best-in-date principal.
Optionally, in step S3, the step of tracing back each target payment transaction to the actual payment time for posting may specifically include:
and redistributing each target payment transaction to each accounting server according to the corresponding actual payment time, and backtracking the payment time corresponding to each target payment transaction to the actual payment time by each accounting server according to the actual payment time and performing one-by-one account posting processing.
According to the method and the device, the account entering processing is carried out on the suspended target payment transaction according to the actual payment time distribution accounting server, for example, the target payment transaction with the previous actual payment time is distributed to the accounting server with a low accounting error rate, and the problems that the accumulated payment transaction error of accounting is caused by the previous target payment transaction error and tracing is difficult are solved. In addition, the target repayment transaction can be respectively distributed to different accounting servers, each target repayment transaction is traced back to the actual repayment time by each accounting server according to the actual repayment time, and the target repayment transaction is subjected to one-by-one account entering processing, so that the accounting efficiency of the repayment transaction is improved.
In an embodiment, after the step of reallocating each of the target payment transactions to each accounting server according to the corresponding actual payment time, the method may further include:
traversing the transaction information of all the target payment transactions, and checking whether the transaction information of all the target payment transactions is wrongly input;
extracting the payment transactions with errors recorded from all the target payment transactions, canceling the payment transactions with errors recorded, and resubmitting and distributing the cancelled payment transactions to each accounting server according to the payment time to complete the posting.
In the actual repayment process, the business personnel often obtain inaccurate information due to unsmooth communication with the user, and the repayment and account entry are wrong due to operation errors during manual input into the system. Therefore, the present embodiment revokes the payment transaction with the posting error. Specifically, the server checks whether the transaction information of all the payment transactions is wrongly recorded or not by traversing the transaction information of all the payment transactions, extracts the payment transactions which are wrongly recorded from all the payment transactions, cancels the payment transactions which are wrongly recorded, resubmits and distributes the cancelled payment transactions to each accounting server according to the sequence of the payment time, and the accounting servers automatically trace back the target payment transactions according to the sequence of the payment time and perform batch-by-batch accounting processing, issue the target payment transactions to the financial subsystem for making a certificate, and resubmit the cancelled payment transactions to a correct loan contract for offline payment and account.
The transaction information can include information of fixed columns such as a borrow number, a borrower, a repayment date and a repayment amount, and is stored in a fixed format. The transaction information can also be stored in a historical transaction database, and the historical transaction database is used for storing historical payment transactions so as to be convenient for inquiring and calling the payment transactions in the following process.
Optionally, the step of verifying whether the transaction information of all the target payment transactions is entered with an error may specifically include:
comparing the transaction information with standard transaction information pre-entered by the user in a bank terminal;
and when the transaction information is determined to be inconsistent with the standard transaction information according to the comparison result, determining that the payment transaction with the error is recorded.
In this embodiment, the repayment amount, the actual repayment date of the customer, the repayment account number and the like recorded in the transaction information can be compared with standard transaction information, such as the repayment amount, the actual repayment date of the customer, the repayment account number and the like, which are input by the user at the bank terminal one by one, if the transaction information is determined to be completely consistent with the standard transaction information according to the comparison result, the repayment transaction is considered to be normal, otherwise, the repayment transaction is abnormal, when the repayment transaction is determined to be abnormal, the repayment transaction with abnormal account is suspended to be invalidated, and the repayment transaction is performed again, so that the user is prevented from being lost, and the accuracy of the repayment can also be realized.
Optionally, the step of resubmitting and distributing the cancelled payment transaction to each accounting server according to the payment time to complete posting may specifically include:
acquiring the number of the current payment transactions to be checked of each checking server, and performing reverse sequencing on each checking server according to the number of the current payment transactions to be checked;
establishing a one-to-one correspondence relationship according to the front and back sequence of the repayment time and the reverse sequence of each accounting server, and resubmitting and distributing the cancelled repayment transaction to each accounting server according to the correspondence relationship to complete the posting.
In this embodiment, the current number of the current to-be-accounted repayment transactions of each accounting server is obtained, and the accounting servers are sorted in a reverse order according to the current number of the to-be-accounted repayment transactions, that is, the accounting servers with a large number of the current to-be-accounted repayment transactions are arranged in the front. In addition, the repayment transactions are sequenced according to the front and back sequence of the repayment time, a one-to-one correspondence relationship is established according to the front and back sequence of the repayment time and the sequencing of each accounting server, the cancelled repayment transactions are resubmitted and distributed to each accounting server according to the correspondence relationship to complete the account entry, the repayment transactions with the previous repayment time are subjected to accounting by the accounting servers with less current to-be-accounted repayment transactions, the accounting efficiency of the repayment transactions with the previous repayment time is improved, and subsequent proofreading is facilitated.
In addition, the data volume of each payment transaction can be calculated, and the accounting server is allocated according to the data volume, for example, the payment transaction with larger data volume is preferentially allocated to the accounting server with the highest idleness for accounting, so as to further improve the accounting efficiency.
Referring to fig. 2, an embodiment of the present application further provides a payment transaction data processing apparatus, including:
the system comprises an acquisition module, a payment processing module and a payment processing module, wherein the acquisition module is used for acquiring all payment transactions under a loan contract signed by a user from a bank terminal and arranging the payment transactions in a reverse order according to the payment posting time of each payment transaction;
the suspension module is used for suspending the repayment transactions after the repayment posting time according to the repayment time agreed in the loan contract and suspending the suspended repayment transactions according to the reverse order of the repayment posting time;
the screening module is used for screening target repayment transactions from the repayment transactions subjected to account checking, backtracking each target repayment transaction to actual repayment time for performing account checking processing, and sending the repayment transactions subjected to account checking to the bank terminal for making a certificate; wherein the actual repayment time of the target payment transaction is before the repayment time and the repayment posting time is after the repayment time.
In this embodiment, the user can complete the payment transaction under line through the bank terminal, the bank terminal stores the payment transaction record of the user, the server can inquire all the payment transactions under the loan contract signed by the user on the page of the bank terminal, and arrange the payment transactions in reverse order according to the payment posting time, and can also send the arranged payment transactions to the bank terminal for display, so that business personnel can visually know all historical payment transactions, and the payment transactions with wrong posting are sequentially selected as target payment transactions needing posting processing in the future. For example, assuming that the user has three payment transactions and the payment posting is completed on 8 th day 14, 8 th day 15 and 8 th day 16, the three transactions are displayed in reverse order according to the payment posting time on 8 th day 16, 8 th day 15 and 8 th day 14 for inquiry. Each repayment transaction acquired by the server can include information such as repayment time, fund channel (such as safe payment), transaction type (such as general repayment or overdue repayment), transaction amount, principal, interest, penalty (the penalty paid in the actual repayment process), rebate (the rebate paid in the actual repayment process), monthly management fee, pre-repayment, overflowed payment, transaction state (such as normal or abnormal), and the repayment time here is the repayment transaction time predetermined for the repayment transaction. The bank terminal machine is a self-service terminal machine or an automatic terminal machine. The self-service terminal machine comprises cash self-service equipment and non-cash self-service equipment, wherein the cash self-service equipment comprises an Automatic Teller Machine (ATM), an automatic deposit machine (CDM), a cash recycling machine (CRS), a high-speed cash recycling machine (TCR) and the like; the non-cash self-service equipment comprises a deposit book registering machine, a self-service inquiry machine, a self-service payment machine, a self-service card sender, a multimedia self-service terminal, an IC (integrated circuit) rand depositing machine, a self-service internet bank machine and the like.
In addition, after the payment transactions are displayed in the bank terminal in the reverse order, a posting button and a redistribution button can be correspondingly arranged in each payment transaction, so that the salesperson can perform posting operation and redistribution operation based on the posting button and the redistribution button. After the salesman clicks the account hanging button corresponding to at least one repayment transaction, an account hanging processing request can be triggered to be formed, and the account hanging processing request is sent to the server, so that the server can obtain the account hanging processing request formed based on at least one historical repayment transaction.
Further, the server suspends the repayment transactions with the repayment posting time after the repayment time in all the repayment transactions of the user according to the repayment time agreed in the loan contract, and performs posting processing on the suspended repayment transactions, after the posting processing is completed, the server screens out target repayment transactions with the actual repayment time before the repayment time and the repayment posting time after the repayment time from the repayment transactions after the posting processing, namely abnormal repayment transactions which are not processed or processed in time, traces back the target repayment transactions to the actual repayment time for posting processing, and issues the credited repayment transactions to a bank terminal for making a certificate, so that the accuracy of the posting is guaranteed. Continuing to take the above example as an example, when the repayment time of three transactions of the user is 8 months and 13 days, the actual repayment time is 8 months and 10 days, 8 months and 11 days and 8 months and 12 days, and the repayment and deposit time is 8 months and 18 days, so that the penalty is still calculated between 8 months and 13 days and 8 months and 18 days, the target repayment transactions of the three transactions are traced back to the next 8 months and 13 days for deposit processing, and the deposited repayment transactions are issued to the bank terminal for making a certificate, thereby avoiding the situation that the offline repayment transactions of the user cannot be deposited according to the actual repayment time, and the situations of multiple repayment and the actual repayment amount are incorrect, and reducing the occurrence of pre-payment or overflowed payment. The actual repayment time is the actual repayment date of the repayment transaction, and the repayment posting time is the time for posting the repayment transaction.
As described above, it can be understood that each component of the payment transaction data processing apparatus provided in the present application may implement the function of any one of the above payment transaction data processing methods, and a detailed structure thereof is not described again.
Referring to fig. 3, a computer device, which may be a server and whose internal structure may be as shown in fig. 3, is also provided in the embodiment of the present application. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the computer designed processor is used to provide computational and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used for data such as a relational extraction model, a drug discovery model and the like. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a payment transaction data processing method.
The processor executes the payment transaction data processing method, and the method comprises the following steps:
acquiring all repayment transactions under a loan contract signed by a user from a bank terminal, and arranging the repayment transactions in a reverse order according to the repayment posting time of each repayment transaction;
according to the repayment time agreed in the loan contract, suspending the repayment transaction after the repayment posting time according to the reverse order of the repayment posting time, and performing posting processing on the suspended repayment transaction;
screening target repayment transactions from the repayment transactions subjected to account checking, backtracking each target repayment transaction to actual repayment time for performing account checking, and issuing the repayment transactions subjected to account checking to the bank terminal for making a certificate; wherein the actual repayment time of the target payment transaction is before the repayment time and the repayment posting time is after the repayment time.
An embodiment of the present application further provides a computer-readable storage medium, on which a computer program is stored, the computer program, when executed by a processor, implementing a payment transaction data processing method, including the steps of:
acquiring all repayment transactions under a loan contract signed by a user from a bank terminal, and arranging the repayment transactions in a reverse order according to the repayment posting time of each repayment transaction;
according to the repayment time agreed in the loan contract, suspending the repayment transaction after the repayment posting time according to the reverse order of the repayment posting time, and performing posting processing on the suspended repayment transaction;
screening target repayment transactions from the repayment transactions subjected to account checking, backtracking each target repayment transaction to actual repayment time for performing account checking, and issuing the repayment transactions subjected to account checking to the bank terminal for making a certificate; wherein the actual repayment time of the target payment transaction is before the repayment time and the repayment posting time is after the repayment time.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium provided herein and used in the examples may include non-volatile and/or volatile memory. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), double-rate SDRAM (SSRSDRAM), Enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and bus dynamic RAM (RDRAM).
To sum up, the most beneficial effect of this application lies in:
according to the repayment transaction data processing method, the device, the storage medium and the computer equipment, all repayment transactions under a loan contract signed by a user are obtained from a bank terminal, and the repayment transactions are arranged in a reverse order according to the repayment posting time of each repayment transaction; according to the repayment time agreed in the loan contract, suspending the repayment transactions after the repayment posting time according to the reverse sequence of the repayment posting time, and performing posting processing on the suspended repayment transactions; screening target repayment transactions from the repayment transactions subjected to the account checking processing, backtracking each target repayment transaction to actual repayment time for account checking processing, and issuing the repayment transactions subjected to the account checking to the bank terminal for making a certificate; the target repayment transaction is the repayment transaction with the actual repayment time before the repayment time and the repayment posting time after the repayment time, so that the posted abnormal target repayment transaction is suspended, the target repayment transaction is traced back, the target repayment transaction is posted again according to the actual repayment time, and the target repayment transaction is issued to the bank terminal for making a certificate, the abnormal transaction data are automatically processed, and the accuracy of the repayment transaction is ensured.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, apparatus, article, or method that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, apparatus, article, or method. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, apparatus, article, or method that includes the element.
The above description is only a preferred embodiment of the present application, and not intended to limit the scope of the present application, and all modifications of equivalent structures and equivalent processes, which are made by the contents of the specification and the drawings of the present application, or which are directly or indirectly applied to other related technical fields, are also included in the scope of the present application.
Claims (10)
1. A payment transaction data processing method, comprising:
acquiring all repayment transactions under a loan contract signed by a user from a bank terminal, and arranging the repayment transactions in a reverse order according to the repayment posting time of each repayment transaction;
according to the repayment time agreed in the loan contract, suspending the repayment transaction after the repayment posting time according to the reverse order of the repayment posting time, and performing posting processing on the suspended repayment transaction;
screening target repayment transactions from the repayment transactions subjected to account checking, backtracking each target repayment transaction to actual repayment time for performing account checking, and issuing the repayment transactions subjected to account checking to the bank terminal for making a certificate; wherein the actual repayment time of the target payment transaction is before the repayment time and the repayment posting time is after the repayment time.
2. The method of claim 1, wherein said step of tracking each of said targeted payment transactions back to actual payment time for posting comprises:
and redistributing each target payment transaction to each accounting server according to the corresponding actual payment time, and backtracking the payment time corresponding to each target payment transaction to the actual payment time by each accounting server according to the actual payment time and performing one-by-one account posting processing.
3. The method of claim 2, wherein following the step of reallocating each of the targeted payment transactions to each accounting server according to the corresponding actual payment time, further comprising:
traversing the transaction information of all the target payment transactions, and checking whether the transaction information of all the target payment transactions is wrongly input;
extracting the payment transactions with errors recorded from all the target payment transactions, canceling the payment transactions with errors recorded, and resubmitting and distributing the cancelled payment transactions to each accounting server according to the payment time to complete the posting.
4. The method of claim 3, wherein the step of verifying whether the transaction information for all targeted payment transactions is entered with an error comprises:
comparing the transaction information with standard transaction information pre-entered by the user in a bank terminal;
and when the transaction information is determined to be inconsistent with the standard transaction information according to the comparison result, determining that the payment transaction with the error is recorded.
5. The method of claim 3, wherein the step of re-submitting the cancelled payment transaction according to the payment time and distributing the transaction to each accounting server for posting comprises:
acquiring the number of the current payment transactions to be checked of each checking server, and performing reverse sequencing on each checking server according to the number of the current payment transactions to be checked;
establishing a one-to-one correspondence relationship according to the front and back sequence of the repayment time and the reverse sequence of each accounting server, and resubmitting and distributing the cancelled repayment transaction to each accounting server according to the correspondence relationship to complete the posting.
6. The method of claim 1, wherein the step of suspending the payment transaction having the payment deposit time subsequent to the payment deposit time in reverse order of the payment deposit time further comprises:
calculating penalty messages generated by the suspended payment transaction;
and returning the penalty information to the account of the user, calling a credit record of the user, and deleting an overdue record corresponding to the suspended repayment transaction in the credit record.
7. The method of claim 6, wherein the step of calculating a penalty due to the pending payment transaction comprises:
calling a penalty calculation function pre-stored in a function database;
and calculating the penalty generated by the suspended repayment transaction according to the penalty calculation function.
8. A payment transaction data processing apparatus, comprising:
the system comprises an acquisition module, a payment processing module and a payment processing module, wherein the acquisition module is used for acquiring all payment transactions under a loan contract signed by a user from a bank terminal and arranging the payment transactions in a reverse order according to the payment posting time of each payment transaction;
the suspension module is used for suspending the repayment transactions after the repayment posting time according to the repayment time agreed in the loan contract and suspending the suspended repayment transactions according to the reverse order of the repayment posting time;
the screening module is used for screening target repayment transactions from the repayment transactions subjected to account checking, backtracking each target repayment transaction to actual repayment time for performing account checking processing, and sending the repayment transactions subjected to account checking to the bank terminal for making a certificate; wherein the actual repayment time of the target payment transaction is before the repayment time and the repayment posting time is after the repayment time.
9. A computer device comprising a memory and a processor, the memory storing a computer program, wherein the processor when executing the computer program implements the steps of the payment transaction data processing method of any one of claims 1 to 7.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the payment transaction data processing method according to any one of claims 1 to 7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110475135.3A CN113129130A (en) | 2021-04-29 | 2021-04-29 | Repayment transaction data processing method and device, storage medium and computer equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110475135.3A CN113129130A (en) | 2021-04-29 | 2021-04-29 | Repayment transaction data processing method and device, storage medium and computer equipment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN113129130A true CN113129130A (en) | 2021-07-16 |
Family
ID=76780980
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202110475135.3A Pending CN113129130A (en) | 2021-04-29 | 2021-04-29 | Repayment transaction data processing method and device, storage medium and computer equipment |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN113129130A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117077994A (en) * | 2023-10-18 | 2023-11-17 | 国网浙江省电力有限公司 | Transaction management method and management platform |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8015091B1 (en) * | 2001-11-21 | 2011-09-06 | Clayton Fixed Income Services, Inc. | Analyzing investment data |
| CN109711958A (en) * | 2018-08-17 | 2019-05-03 | 深圳壹账通智能科技有限公司 | It keeps accounts method, apparatus, terminal device and computer readable storage medium to public affairs |
| CN109711989A (en) * | 2018-12-15 | 2019-05-03 | 深圳壹账通智能科技有限公司 | Refund transaction data processing method, device, computer equipment and storage medium |
| CN109859025A (en) * | 2019-01-24 | 2019-06-07 | 上海蔚来汽车有限公司 | A kind of automatic account checking method and electronic equipment |
-
2021
- 2021-04-29 CN CN202110475135.3A patent/CN113129130A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8015091B1 (en) * | 2001-11-21 | 2011-09-06 | Clayton Fixed Income Services, Inc. | Analyzing investment data |
| CN109711958A (en) * | 2018-08-17 | 2019-05-03 | 深圳壹账通智能科技有限公司 | It keeps accounts method, apparatus, terminal device and computer readable storage medium to public affairs |
| CN109711989A (en) * | 2018-12-15 | 2019-05-03 | 深圳壹账通智能科技有限公司 | Refund transaction data processing method, device, computer equipment and storage medium |
| CN109859025A (en) * | 2019-01-24 | 2019-06-07 | 上海蔚来汽车有限公司 | A kind of automatic account checking method and electronic equipment |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117077994A (en) * | 2023-10-18 | 2023-11-17 | 国网浙江省电力有限公司 | Transaction management method and management platform |
| CN117077994B (en) * | 2023-10-18 | 2024-01-09 | 国网浙江省电力有限公司 | Transaction management method and management platform |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN111699486B (en) | Accounting method, accounting system, account system and payment system | |
| US8645264B2 (en) | Apparatus and methods for verifying a credit applicant's income that enhance a credit applicant's experience | |
| US20070124242A1 (en) | Funds transfer system | |
| US20020091602A1 (en) | System and method for preparation of personal income taxes | |
| CN110458691B (en) | Pre-loan risk monitoring method and device | |
| CN105431878A (en) | System and method for automatically providing a/r-based lines of credit to businesses | |
| US20150032620A1 (en) | Communication network for collecting data and executing electronic transaction services | |
| CN111444213B (en) | Ledger clearing system and method based on credit business | |
| AU2015210358A1 (en) | Predictive fraud screening | |
| US8473413B2 (en) | Methods and systems for managing government issued entitlements | |
| CN111178994A (en) | Electronic bank note full-process automatic intelligent wind-control cashing system and cashing method | |
| CN113129130A (en) | Repayment transaction data processing method and device, storage medium and computer equipment | |
| CN110706087A (en) | Voucher data processing method and device, computer equipment and storage medium | |
| KR20090002167A (en) | System and method for automatically preparing accounting-book | |
| KR101500832B1 (en) | Withholding agency method and system performing the same | |
| US20150032619A1 (en) | Communication network for collecting data and executing electronic transaction services | |
| JP2010079555A (en) | Credit determination system and document falsification determination method | |
| KR102083754B1 (en) | Automated remittance system by early withdrawing deposit | |
| KR102236887B1 (en) | A method and apparatus of transferring funds including fees and grant | |
| JP6461400B1 (en) | Information processing apparatus, information processing method, and program | |
| JP4313207B2 (en) | Information processing method for insurance premium management, information processing method for insurance contract management, and computer system | |
| CN114240610A (en) | Automatic fund collection method and device, computer equipment and storage medium | |
| US20150032601A1 (en) | Communication network for collecting data and executing electronic transaction services | |
| CN115526721A (en) | Method, device, medium and computer program product for automatically checking dynamic limit | |
| US20130173328A1 (en) | Computerized system and method for managing injection of resources into a flow of multiple resource utilization events |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20210716 |
|
| WD01 | Invention patent application deemed withdrawn after publication |