CN113487438A - Processing method and device of accumulation fund service - Google Patents
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Abstract
The invention discloses a processing method and a processing device of a public accumulation fund service, and relates to the technical field of automatic program design. One embodiment of the method comprises: determining service information of the accumulation fund service to be processed, wherein the service information comprises at least one of the following: the information of the accumulation fund center, the information of the borrower and the loan information; determining a mode parameter of the accumulation fund service to be processed according to the service information; determining a processing flow of the to-be-processed accumulation fund service according to the mode parameters, wherein the processing flow comprises the following steps: an acceptance flow, an audit flow and a release flow; and processing the accumulation fund service to be processed according to the processing flow. The implementation mode can effectively reduce the cost required by each branch for the repeated construction of the accumulation fund service and the operation and maintenance system.
Description
Technical Field
The invention relates to the technical field of automatic program design, in particular to a method and a device for processing a public accumulation fund service.
Background
Because the policies of the public accumulation fund centers in various regions and the cooperation modes with the banks are different, different public accumulation fund centers have different requirements when the public accumulation fund centers entrust the banks to issue the public accumulation fund loans, and therefore, various business modes of acceptance and approval exist. The service modes corresponding to the branches are different, and each branch needs to reconstruct the accumulation fund service system according to the service mode, so that the system is repeatedly constructed, and the operation and maintenance cost of the system is high.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method and an apparatus for processing a public accumulation fund service, which can effectively reduce costs required by each branch for repeated construction and operation and maintenance of the public accumulation fund service.
In a first aspect, an embodiment of the present invention provides a method for processing a public accumulation fund service, including:
determining service information of the accumulation fund service to be processed, wherein the service information comprises at least one of the following: the information of the accumulation fund center, the information of the borrower and the loan information;
determining a mode parameter of the accumulation fund service to be processed according to the service information;
determining a processing flow of the to-be-processed accumulation fund service according to the mode parameters, wherein the processing flow comprises the following steps: an acceptance flow, an audit flow and a release flow;
and processing the accumulation fund service to be processed according to the processing flow.
Optionally, the mode parameter is a first mode parameter;
the processing the to-be-processed accumulation fund service according to the processing flow comprises the following steps:
before the release process aiming at the to-be-processed public accumulation fund service is executed, receiving authorization information aiming at the to-be-processed public accumulation fund service from a public accumulation fund center;
according to the authorization information, performing data check on the to-be-processed accumulation fund service;
and executing a release flow aiming at the to-be-processed public accumulation fund service under the condition that the to-be-processed public accumulation fund service passes data check.
Optionally, the mode parameter is a second mode parameter;
the processing the to-be-processed accumulation fund service according to the processing flow comprises the following steps:
before executing the acceptance flow aiming at the to-be-processed accumulation fund service, receiving an authorized passing accumulation fund loan issuance index notice form an accumulation fund center;
and determining the service information of the to-be-processed accumulation fund service according to the accumulation fund loan issuance index notice.
Optionally, the mode parameter is a third mode parameter;
the processing the to-be-processed accumulation fund service according to the processing flow comprises the following steps:
after the auditing process aiming at the to-be-processed accumulation fund service is executed, sending the auditing information of the to-be-processed accumulation fund service to an accumulation fund center;
receiving an audit result returned from the accumulation fund center aiming at the audit information;
and executing a release process aiming at the to-be-processed accumulation fund service according to the auditing result.
And determining the mode parameters of the accumulation fund service to be processed according to the service information.
Optionally, before determining the mode parameter of the to-be-processed accumulation fund service, the method further includes:
receiving mode configuration information for a public accumulation fund service, wherein the mode configuration information comprises: a first corresponding relation between the service information of the accumulation fund and the mode parameters;
the determining the mode parameter of the to-be-processed accumulation fund service comprises the following steps:
and determining the mode parameters of the to-be-processed accumulation fund service according to the first corresponding relation and the service information of the to-be-processed accumulation fund service.
Optionally, the determining, according to the first corresponding relationship and the service information of the to-be-processed accumulation fund service, a mode parameter of the to-be-processed accumulation fund service includes:
searching for a record corresponding to the borrower information and/or the loan information in the first corresponding relation;
and determining the mode parameters of the accumulation fund service to be processed according to the record.
Optionally, before processing the to-be-processed accumulation fund service according to the processing flow, the method further includes:
determining control parameters of the to-be-processed accumulation fund service;
the processing the to-be-processed accumulation fund service according to the processing flow comprises the following steps:
and processing the accumulation fund service to be processed according to the processing flow and the control parameters.
Optionally, the control parameters include: loan audit parameters;
the processing the to-be-processed accumulation fund service according to the processing flow and the control parameter comprises the following steps:
if the loan audit parameter representation does not need to send loan audit information to a public accumulation fund center for approval, executing a release process aiming at the public accumulation fund service to be processed after executing an audit process aiming at the public accumulation fund service to be processed;
if the loan audit parameter represents that the loan audit information needs to be sent to a public accumulation fund center for approval, determining the cooperative project information and the cooperative project amount information associated with the to-be-processed public accumulation fund service; generating loan auditing information of the to-be-processed public accumulation fund service according to the cooperation project information and the cooperation project amount information; sending the loan audit information, and receiving a loan audit result aiming at the loan audit information; and executing a release flow aiming at the to-be-processed accumulation fund service according to the loan auditing result.
Optionally, the control parameters include: and pre-credit check parameters, wherein the pre-credit check parameters are used for determining whether the service information of the to-be-processed public accumulation fund service which is successfully checked needs to be sent to a public accumulation fund center so as to perform online examination and approval on the to-be-processed public accumulation fund service.
Optionally, the control parameters include: and pre-credit trial calculation parameters, wherein the pre-credit trial calculation parameters are used for determining whether the service information of the to-be-processed accumulation fund service needs to be sent to an accumulation fund center so as to determine the credit amount of the to-be-processed accumulation fund.
Optionally, the control parameters include: and the loan authorization parameter is used for determining whether to receive authorization information aiming at the to-be-processed public accumulation fund service from a public accumulation fund center or not so as to perform data check on the to-be-processed public accumulation fund service according to the authorization information.
Optionally, before determining the control parameter of the to-be-processed accumulation fund service, the method further includes:
receiving control configuration information for the accumulation fund service, wherein the control configuration information comprises: the second corresponding relation between the service information of the accumulation fund and the control parameters;
the determining the control parameter of the to-be-processed accumulation fund service comprises the following steps:
and determining the control parameters of the to-be-processed accumulation fund service according to the second corresponding relation and the service information of the to-be-processed accumulation fund service.
In a second aspect, an embodiment of the present invention provides a device for processing a public accumulation fund service, including:
the information determining module is used for determining service information of the accumulation fund service to be processed, wherein the service information comprises at least one of the following: the information of the accumulation fund center, the information of the borrower and the loan information;
the parameter determining module is used for determining the mode parameters of the to-be-processed accumulation fund service according to the service information;
a process determining module, configured to determine, according to the mode parameter, a processing process of the to-be-processed accumulation fund service, where the processing process includes: an acceptance flow, an audit flow and a release flow;
and the service processing module is used for processing the accumulation fund service to be processed according to the processing flow.
In a third aspect, an embodiment of the present invention provides an electronic device, including:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any of the embodiments described above.
In a fourth aspect, an embodiment of the present invention provides a computer-readable medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the method of any one of the above embodiments.
One embodiment of the above invention has the following advantages or benefits: determining the processing flow of the accumulation fund service to be processed according to the mode parameters of the accumulation fund service to be processed, and processing the accumulation fund service to be processed according to the processing flow. The branches do not need to repeatedly build a public accumulation fund service system according to the service mode required by each branch. By configuring the mode parameters, the service mode and the processing flow corresponding to the accumulation fund service to be processed can be flexibly determined. Therefore, the cost required by repeated construction and operation and maintenance systems of various branches aiming at the accumulation fund service can be effectively reduced.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram illustrating information interaction at each end in a process of processing a public accumulation fund service in the prior art;
fig. 2 is a schematic flow chart of a processing method of a accumulation fund service according to an embodiment of the present invention;
fig. 3 is a schematic diagram of information interaction at each terminal corresponding to a first mode parameter according to an embodiment of the present invention;
fig. 4 is a schematic diagram of information interaction at each terminal corresponding to a second mode parameter according to an embodiment of the present invention;
fig. 5 is a schematic diagram of information interaction at each terminal corresponding to a third mode parameter according to an embodiment of the present invention;
fig. 6 is a schematic flow chart of another method for processing the accumulation fund service according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of a device for processing a public accumulation fund service according to an embodiment of the present invention;
fig. 8 is a schematic structural diagram of a computer system suitable for implementing a terminal device or a server according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
In order to facilitate understanding of the aspects of the embodiments of the present invention, some terms related to the embodiments of the present invention are explained below.
And (3) loan of the accumulation fund: and entrusting the commercial bank to offer the loan to the borrower according to the examined and approved amount, term and interest rate of the public deposit center, and collecting interest according to the loan interest rate of the public deposit.
The principal refers to the public accumulation fund center.
The joint operation of the clients is a business cooperation mode for online processing of banks and the accumulation fund center.
The client is a system end of the accumulation fund center.
Because the policies and cooperation modes of the public accumulation fund centers in various regions are different, when the public accumulation fund centers entrust banks to release commercial loans, different centers have different requirements, so that various acceptance and examination and approval modes exist, meanwhile, the processes of the public accumulation fund centers have certain differences, the entrusting modes adopted by the public accumulation fund centers in various regions are different, most of the current scenes can only be carried out in an offline file sending mode, and the public accumulation fund centers cannot obtain the current loan state in real time,
fig. 1 is a schematic diagram of information interaction at each end in a process of processing a public accumulation fund service in the prior art. As shown in fig. 1, the technical solution mainly includes a single data synchronization method, which requires a lot of development workload for a branch, and needs offline confirmation before releasing payment, and thus, data timeliness and operability are poor.
The service data range and mode which can be obtained by each branch are different, before the service is popularized by each branch, the system must be rebuilt according to the respective service mode, so that the system construction is repeated, the service popularization cost is high, the popularization of the service full-line range is not facilitated, the data synchronization method is single, the branch needs more development workload, before the release of payment, offline confirmation is needed, and the data timeliness and operability are poor.
In order to meet the requirements of joint operation and real-time data transmission of the accumulation fund loan service and the housing fund management department and promote the rapid development of the service, the accumulation fund center can be butted in a general branch cooperative mode. On the head office system, a method for supporting multi-mode equity loan process management is established.
The following modes are generally included: the public accumulation fund center accepts the mode of examination and approval and the bank checks the authorized examination and approval information; the public accumulation fund center accepts and approves, the direct release mode of the bank; and (5) the bank accepts the audit, and the bank releases the mode after the approval of the public accumulation fund center.
By using the method of the embodiment of the invention, each branch or accumulation fund center only needs to configure the relevant information in the system, and the system can perform customized flow processing according to the submitted configuration information, thereby greatly reducing the human input, avoiding the repeated construction of the system and meeting the requirement of the full-line popularization of the service.
Fig. 2 is a schematic flow chart of a processing method of a accumulation fund service according to an embodiment of the present invention, and as shown in fig. 2, the method includes:
step 201: determining service information of the accumulation fund service to be processed, wherein the service information comprises at least one of the following: accumulation fund center information, borrower information and loan information.
The service of the public accumulation fund to be processed is related service of the public accumulation fund, such as public accumulation fund loan service, public accumulation fund extraction service, public accumulation fund advanced payment service and the like.
The accumulation fund center information may include: the name of the accumulation fund center, the area where the accumulation fund center is located, the center identification and the like. The borrower information may include: the loan identity card number, name, age, school calendar, occupation, etc. The loan information may include: total loan amount, repayment term, interest rate, loan type, etc.
Step 202: and determining the mode parameters of the accumulation fund service to be processed according to the service information.
A corresponding table of the service information and the mode parameters can be established in the system, and the mode parameters of the accumulation fund service to be processed are determined by searching the corresponding table. The mode parameters correspond to the process flow. Different mode parameters correspond to different processing flows.
Step 203: determining a processing flow of the accumulation fund service to be processed according to the mode parameters, wherein the processing flow comprises the following steps: acceptance flow, audit flow and release flow.
Step 204: and processing the accumulation fund service to be processed according to the processing flow.
In the embodiment of the invention, the processing flow of the accumulation fund service to be processed is determined according to the mode parameter of the accumulation fund service to be processed, and the accumulation fund service to be processed is processed according to the processing flow. The branches do not need to repeatedly build a public accumulation fund service system according to the service mode required by each branch. By configuring the mode parameters, the service mode and the processing flow corresponding to the accumulation fund service to be processed can be flexibly determined. Therefore, the problem that the cost required by each branch for the repeated construction of the accumulation fund service and the operation and maintenance system is high can be solved.
In one embodiment of the invention, the mode parameter is a first mode parameter. Fig. 3 is a schematic diagram of information interaction at each terminal corresponding to a first mode parameter according to an embodiment of the present invention. As shown in fig. 3, before executing the release process for the to-be-processed accumulation fund service, receiving authorization information for the to-be-processed accumulation fund service from the accumulation fund center; according to the authorization information, data check is carried out on the accumulation fund service to be processed; and executing a release flow aiming at the to-be-processed public accumulation fund service under the condition that the to-be-processed public accumulation fund service passes the data check.
In this mode, the client is the system side of the accumulation fund center. After the client finishes the approval of the public accumulation fund loan, the loan information is transmitted to a chief characteristic processing system (an intermediate business system) of the bank. And importing the loan information, including the basic information of the client and the basic information of the loan, into a bank credit system through the characteristic interface.
When the client side issues the release index, the client side needs to additionally send authorization information or cancel the authorization information bank system, when the bank side reaches the release link, the authorization information needs to be checked with corresponding data of the feature processing system of the head office in the mode, the check is consistent, and the release can be passed.
In one embodiment of the invention, the mode parameter is a second mode parameter. Fig. 4 is a schematic diagram of information interaction at each terminal corresponding to the second mode parameter according to an embodiment of the present invention. As shown in fig. 4, before executing the acceptance flow for the pending accumulation fund service, receiving an authorized passage accumulation fund loan issuance index notice form the accumulation fund center; and determining the service information of the accumulation fund service to be processed according to the accumulation fund loan issuance index notice.
In this mode, the client is the system side of the accumulation fund center. The public accumulation fund center accepts, examines and approves, generates a public accumulation fund loan issuance index notice sheet, and the client system generates electronic information and sends the electronic information to the bank credit system. The acceptance bank accepts the post according to the contract data of the central loan and the loan index sheet, after processing the release in the bank individual loan system; and sending the information after the payment to the center through the end of the day.
In one embodiment of the invention, the mode parameter is a third mode parameter. Fig. 5 is a schematic diagram of information interaction at each terminal corresponding to a third mode parameter according to an embodiment of the present invention. As shown in fig. 5, after the auditing process for the to-be-processed accumulation fund service is executed, the auditing information of the to-be-processed accumulation fund service is sent to the accumulation fund center; receiving an audit result returned from the accumulation fund center aiming at the audit information; and executing a release process aiming at the accumulation fund service to be processed according to the auditing result.
In this mode, the client is the system side of the accumulation fund center. The accumulation fund center entrusts a bank outlet to handle accumulation fund loan acceptance and verification; and the bank accepts the loan, and sends the audit information to the client when the bank approves the loan.
And after the audit information is sent to the client, the client performs asynchronous processing, and at the moment, if a bank operator performs release operation on the loan, the release cannot pass, and the client needs to wait for the return of the approval result.
In an embodiment of the present invention, before determining the mode parameter of the to-be-processed accumulation fund service, the method further includes: receiving mode configuration information aiming at the accumulation fund service, wherein the mode configuration information comprises: a first corresponding relation between the service information of the accumulation fund and the mode parameters; determining mode parameters of the accumulation fund service to be processed, comprising the following steps: and determining the mode parameters of the accumulation fund service to be processed according to the first corresponding relation and the service information of the accumulation fund service to be processed.
And storing the corresponding relation between the service information of the accumulation fund and the mode parameters in the first corresponding relation. For example, a business of the first accumulation fund center corresponds to a first mode parameter, a business in which a credit assessment score of a borrower is greater than 80 corresponds to a second mode parameter, a business in which a credit assessment score of a borrower is greater than 90 and a total credit assessment amount of a loan is between 10 ten thousand and 30 ten thousand corresponds to a third mode parameter, and the like.
The borrower information and/or loan information may be obtained first. The borrower information may include: the loan identity card number, credit investigation score, name, age, academic calendar, occupation, etc. The loan information may include: total loan amount, repayment term, interest rate, loan type, etc. And searching a record corresponding to the borrower information and/or the loan information in the first corresponding relation, and determining the mode parameters of the to-be-processed accumulation fund service according to the record.
The mode configuration information may come from various accumulation fund centers or various branches. Each accumulation fund center or each branch can be configured with different mode configuration information according to respective requirements. The system can perform customized flow processing according to the submitted configuration information, so that the labor input is reduced to a great extent, repeated construction of the system is avoided, and the requirement for full popularization of the accumulation fund service is met.
Fig. 6 is a schematic flow chart of another method for processing the accumulation fund service according to an embodiment of the present invention, and as shown in fig. 6, the method includes:
step 601: determining service information of the accumulation fund service to be processed, wherein the service information comprises at least one of the following: accumulation fund center information, borrower information and loan information.
Step 602: and determining the mode parameters of the accumulation fund service to be processed according to the service information.
The mode parameters correspond to the process flow. A process flow may include multiple steps. Different mode parameters correspond to different processing flows.
Step 603: determining a processing flow of the accumulation fund service to be processed according to the mode parameters, wherein the processing flow comprises the following steps: acceptance flow, audit flow and release flow.
The acceptance process, the review process, and the release process may include at least one step.
Step 604: and determining control parameters of the accumulation fund service to be processed.
The control parameters are used to control whether a particular step is performed.
Step 605: and processing the accumulation fund service to be processed according to the processing flow and the control parameters.
In the embodiment of the invention, the accumulation fund center or each branch can achieve the processing support of the customized system of the process and the mode through the flexible configuration of the mode parameters and the control parameter combination. The system construction, operation and labor cost of each branch when being in butt joint with the accumulation fund center system can be effectively reduced, the coupling among the main branch systems is also reduced, and the characteristic services of the accumulation fund center with various attributions can be better supported.
In one embodiment of the invention, the control parameters include: loan audit parameters; according to the processing flow and the control parameters, the method for processing the accumulation fund service comprises the following steps:
if the loan audit parameter representation does not need to send the loan audit information to the accumulation fund center for approval, after the audit process aiming at the accumulation fund service to be processed is executed, the release process aiming at the accumulation fund service to be processed is executed;
if the loan audit parameter represents that the loan audit information needs to be sent to a public accumulation fund center for approval, determining cooperative project information and cooperative project amount information associated with the to-be-processed public accumulation fund service; generating loan auditing information of the to-be-processed public accumulation fund service according to the cooperation project information and the cooperation project limit information; sending loan audit information, and receiving a loan audit result aiming at the loan audit information; and executing a release flow aiming at the to-be-processed accumulation fund service according to the loan auditing result.
The loan audit for the closing job mode may be determined by the following steps. The auditing suggestion is filled in firstly, the auditing is passed, and two modes of AB are provided according to the parameter of 'whether the auditing information is sent to the central approval'.
Mode a-parameter "whether to send audit information to central approval" set to "no". And directly going to a loan release link.
Mode B-parameter "send audit message to central approval" set to "yes". Judging whether the loan is associated with the cooperation project information and the cooperation project amount information, and if so, reporting an error by the system to prevent the next operation; otherwise, the audit information is saved and sent to the center.
When the center returns, the bank can send the current audit information and the historical audit opinions to the client after the audit is performed again.
The central receipt comprises information of refusing loan and information of returning and modifying, if the central receipt is the information of returning and modifying, the central receipt returns to a loan acceptance link for processing, and if the central receipt is the information of returning and modifying, the central receipt refuses loan. If the center approves, approval information is returned, and the bank carries out the next link operation.
In one embodiment of the invention, the control parameters include: and the pre-credit check parameter is used for determining whether the service information of the successfully checked to-be-processed public accumulation fund service needs to be sent to a public accumulation fund center so as to perform online examination and approval on the to-be-processed public accumulation fund service.
For pre-loan audit in the collaborative mode-whether to send bank audit information to the center, the business process can be determined by the following steps. And (4) according to the setting of the client, whether the information of the bank verification success is sent to the client for on-line examination and approval, and the client is allowed to pass the examination and approval.
In one embodiment of the invention, the control parameters include: and pre-credit trial calculation parameters, wherein the pre-credit trial calculation parameters are used for determining whether the service information of the to-be-processed accumulation fund service needs to be sent to the accumulation fund center so as to determine the credit amount of the to-be-processed accumulation fund.
For pre-loan trial calculation-whether the loanable amount is tried in the center, the business process can be determined by the following steps. And sending partial key information such as total house price, completion date, borrower, guarantor, spouse identity card number and the like to the client according to the setting of the client, and trial-calculating the loanable amount.
In one embodiment of the invention, the control parameters include: and the loan authorization parameter is used for determining whether to receive authorization information aiming at the to-be-processed public accumulation fund service from the public accumulation fund center or not so as to carry out data check on the to-be-processed public accumulation fund service according to the authorization information.
After entering the loan release link, if the parameter "check if the combined loan is" is set to "yes", the combined loan is first required to be examined and approved. If the setting is "no," the combined loan is approved without waiting.
After the equity loan audit is completed, the bank credit system enters a 'waiting for release' link. And sending the bank loan key information to the center for checking, and returning a checking result by the center. If the check is consistent, the payment is passed, and the subsequent payment process is entered. Inconsistent, prompt: "XXX information is not in accordance with the authorization of the public accumulation fund management center, please inquire and print in 'management of loan authorization information of public accumulation fund management center'.
In an embodiment of the present invention, before determining the control parameter of the backlog fund service, the method further includes: receiving control configuration information aiming at the accumulation fund service, wherein the control configuration information comprises: the second corresponding relation between the service information of the accumulation fund and the control parameters; determining control parameters of the accumulation fund service to be processed, comprising the following steps: and determining the control parameters of the accumulation fund service to be processed according to the second corresponding relation and the service information of the accumulation fund service to be processed.
The control configuration information may come from various accumulation fund centers or various branches. Each accumulation fund center or each branch can be configured with different control configuration information according to respective requirements. The system can perform customized flow processing according to the submitted configuration information, so that the labor input is reduced to a great extent, repeated construction of the system is avoided, and the requirement for full popularization of the accumulation fund service is met.
The method of the embodiment of the invention provides parameter management of the client dimension, and meets the requirements of various modes of the accumulation fund flow through flexible parameter configuration. The method of the embodiment of the invention can also integrate the information calculation method in the information calculation engine, and the parameter configuration is used for matching the calculation method in the calculation engine, so as to achieve the decoupling of the processing flow and the calculation method. In addition, the embodiment of the invention can also adopt a data snapshot storage mechanism, and greatly reduces the storage capacity of data and the calculation amount of a system under the condition of meeting the service and calculation requirements.
The scheme of the embodiment of the invention establishes a method for supporting multi-mode joint operation of the accumulation fund and the bank based on the head office system, and when the business is popularized, the accumulation fund center can achieve the customized system processing support of the flow and the mode through flexible parameter combination configuration. The scheme of the embodiment of the invention effectively reduces the system construction, operation and labor cost of each branch when being in butt joint with the accumulation fund center system, also reduces the coupling among the total branch systems, and can better support the characteristic service of each localized accumulation fund center.
Fig. 7 is a schematic structural diagram of a device for processing a public accumulation fund service according to an embodiment of the present invention, and as shown in fig. 7, the device includes:
an information determining module 701, configured to determine service information of the to-be-processed accumulation fund service, where the service information includes at least one of the following: the information of the accumulation fund center, the information of the borrower and the loan information;
a parameter determining module 702, configured to determine, according to the service information, a mode parameter of the to-be-processed accumulation fund service;
a process determining module 703, configured to determine, according to the mode parameter, a processing process of the to-be-processed accumulation fund service, where the processing process includes: an acceptance flow, an audit flow and a release flow;
and the service processing module 704 is configured to process the to-be-processed accumulation fund service according to the processing flow.
Optionally, the mode parameter is a first mode parameter;
the service processing module 704 is specifically configured to:
before the release process aiming at the to-be-processed public accumulation fund service is executed, receiving authorization information aiming at the to-be-processed public accumulation fund service from a public accumulation fund center;
according to the authorization information, performing data check on the to-be-processed accumulation fund service;
and executing a release flow aiming at the to-be-processed public accumulation fund service under the condition that the to-be-processed public accumulation fund service passes data check.
Optionally, the mode parameter is a second mode parameter;
the service processing module 704 is specifically configured to:
before executing the acceptance flow aiming at the to-be-processed accumulation fund service, receiving an authorized passing accumulation fund loan issuance index notice form an accumulation fund center;
and determining the service information of the to-be-processed accumulation fund service according to the accumulation fund loan issuance index notice.
Optionally, the mode parameter is a third mode parameter;
the service processing module 704 is specifically configured to:
after the auditing process aiming at the to-be-processed accumulation fund service is executed, sending the auditing information of the to-be-processed accumulation fund service to an accumulation fund center;
receiving an audit result returned from the accumulation fund center aiming at the audit information;
and executing a release process aiming at the to-be-processed accumulation fund service according to the auditing result.
Optionally, the apparatus further comprises:
a first receiving module 705, configured to receive mode configuration information for a public accumulation fund service, where the mode configuration information includes: a first corresponding relation between the service information of the accumulation fund and the mode parameters;
a parameter determining module 702, configured to determine a mode parameter of the to-be-processed accumulation fund service according to the first corresponding relationship and the service information of the to-be-processed accumulation fund service.
Optionally, the parameter determining module 702 is further configured to search, in the first corresponding relationship, a record corresponding to the borrower information and/or the loan information;
and determining the mode parameters of the accumulation fund service to be processed according to the record.
Optionally, the apparatus further comprises:
a parameter determining module 706, configured to determine a control parameter of the to-be-processed accumulation fund service;
and the service processing module 704 is configured to process the to-be-processed accumulation fund service according to the processing flow and the control parameter.
Optionally, the control parameters include: loan audit parameters;
the service processing module 704 is specifically configured to:
if the loan audit parameter representation does not need to send loan audit information to a public accumulation fund center for approval, executing a release process aiming at the public accumulation fund service to be processed after executing an audit process aiming at the public accumulation fund service to be processed;
if the loan audit parameter represents that the loan audit information needs to be sent to a public accumulation fund center for approval, determining the cooperative project information and the cooperative project amount information associated with the to-be-processed public accumulation fund service; generating loan auditing information of the to-be-processed public accumulation fund service according to the cooperation project information and the cooperation project amount information; sending the loan audit information, and receiving a loan audit result aiming at the loan audit information; and executing a release flow aiming at the to-be-processed accumulation fund service according to the loan auditing result.
Optionally, the control parameters include: and pre-credit check parameters, wherein the pre-credit check parameters are used for determining whether the service information of the to-be-processed public accumulation fund service which is successfully checked needs to be sent to a public accumulation fund center so as to perform online examination and approval on the to-be-processed public accumulation fund service.
Optionally, the control parameters include: and pre-credit trial calculation parameters, wherein the pre-credit trial calculation parameters are used for determining whether the service information of the to-be-processed accumulation fund service needs to be sent to an accumulation fund center so as to determine the credit amount of the to-be-processed accumulation fund.
Optionally, the control parameters include: and the loan authorization parameter is used for determining whether to receive authorization information aiming at the to-be-processed public accumulation fund service from a public accumulation fund center or not so as to perform data check on the to-be-processed public accumulation fund service according to the authorization information.
Optionally, the apparatus further comprises:
a second receiving module 707, configured to receive control configuration information for the accumulation fund service, where the control configuration information includes: the second corresponding relation between the service information of the accumulation fund and the control parameters;
a service processing module 704, configured to determine a control parameter of the to-be-processed accumulation fund service according to the second correspondence and the service information of the to-be-processed accumulation fund service.
An embodiment of the present invention provides an electronic device, including:
one or more processors;
a storage device for storing one or more programs,
when the one or more programs are executed by the one or more processors, the one or more processors are caused to implement the method of any of the embodiments described above.
Referring now to FIG. 8, shown is a block diagram of a computer system 800 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 8 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 8, the computer system 800 includes a Central Processing Unit (CPU)801 that can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. In the RAM 803, various programs and data necessary for the operation of the system 800 are also stored. The CPU 801, ROM 802, and RAM 803 are connected to each other via a bus 804. An input/output (I/O) interface 805 is also connected to bus 804.
The following components are connected to the I/O interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including a signal such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that a computer program read out therefrom is mounted on the storage section 808 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. The computer program executes the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 801.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: the system comprises an information determining module, a parameter determining module, a flow determining module and a service processing module. The names of these modules do not in some cases constitute a limitation on the module itself, for example, the parameter determination module may also be described as a "module that determines the mode parameters of the pending accumulation fund service".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise:
determining service information of the accumulation fund service to be processed, wherein the service information comprises at least one of the following: the information of the accumulation fund center, the information of the borrower and the loan information;
determining a mode parameter of the accumulation fund service to be processed according to the service information;
determining a processing flow of the to-be-processed accumulation fund service according to the mode parameters, wherein the processing flow comprises the following steps: an acceptance flow, an audit flow and a release flow;
and processing the accumulation fund service to be processed according to the processing flow.
According to the technical scheme of the embodiment of the invention, the processing flow of the to-be-processed accumulation fund service is determined according to the mode parameter of the to-be-processed accumulation fund service, and the to-be-processed accumulation fund service is processed according to the processing flow. The branches do not need to repeatedly build a public accumulation fund service system according to the service mode required by each branch. By configuring the mode parameters, the service mode and the processing flow corresponding to the accumulation fund service to be processed can be flexibly determined. Therefore, the cost required by repeated construction and operation and maintenance systems of various branches aiming at the accumulation fund service can be effectively reduced.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (15)
1. A processing method of accumulation fund service is characterized by comprising the following steps:
determining service information of the accumulation fund service to be processed, wherein the service information comprises at least one of the following: the information of the accumulation fund center, the information of the borrower and the loan information;
determining a mode parameter of the accumulation fund service to be processed according to the service information;
determining a processing flow of the to-be-processed accumulation fund service according to the mode parameters, wherein the processing flow comprises the following steps: an acceptance flow, an audit flow and a release flow;
and processing the accumulation fund service to be processed according to the processing flow.
2. The method of claim 1, wherein the mode parameter is a first mode parameter;
the processing the to-be-processed accumulation fund service according to the processing flow comprises the following steps:
before the release process aiming at the to-be-processed public accumulation fund service is executed, receiving authorization information aiming at the to-be-processed public accumulation fund service from a public accumulation fund center;
according to the authorization information, performing data check on the to-be-processed accumulation fund service;
and executing a release flow aiming at the to-be-processed public accumulation fund service under the condition that the to-be-processed public accumulation fund service passes data check.
3. The method of claim 1, wherein the mode parameter is a second mode parameter;
the processing the to-be-processed accumulation fund service according to the processing flow comprises the following steps:
before executing the acceptance flow aiming at the to-be-processed accumulation fund service, receiving an authorized passing accumulation fund loan issuance index notice form an accumulation fund center;
and determining the service information of the to-be-processed accumulation fund service according to the accumulation fund loan issuance index notice.
4. The method of claim 1, wherein the mode parameter is a third mode parameter;
the processing the to-be-processed accumulation fund service according to the processing flow comprises the following steps:
after the auditing process aiming at the to-be-processed accumulation fund service is executed, sending the auditing information of the to-be-processed accumulation fund service to an accumulation fund center;
receiving an audit result returned from the accumulation fund center aiming at the audit information;
and executing a release process aiming at the to-be-processed accumulation fund service according to the auditing result.
5. The method of claim 1, wherein before determining the mode parameter of the pending accumulation fund service, the method further comprises:
receiving mode configuration information for a public accumulation fund service, wherein the mode configuration information comprises: a first corresponding relation between the service information of the accumulation fund and the mode parameters;
the determining the mode parameter of the to-be-processed accumulation fund service comprises the following steps:
and determining the mode parameters of the to-be-processed accumulation fund service according to the first corresponding relation and the service information of the to-be-processed accumulation fund service.
6. The method according to claim 5, wherein the determining the mode parameter of the to-be-processed accumulation fund service according to the first corresponding relationship and the service information of the to-be-processed accumulation fund service comprises:
searching for a record corresponding to the borrower information and/or the loan information in the first corresponding relation;
and determining the mode parameters of the accumulation fund service to be processed according to the record.
7. The method according to claim 1, wherein before processing the to-be-processed accumulation fund service according to the processing flow, the method further comprises:
determining control parameters of the to-be-processed accumulation fund service;
the processing the to-be-processed accumulation fund service according to the processing flow comprises the following steps:
and processing the accumulation fund service to be processed according to the processing flow and the control parameters.
8. The method of claim 7, wherein the control parameters comprise: loan audit parameters;
the processing the to-be-processed accumulation fund service according to the processing flow and the control parameter comprises the following steps:
if the loan audit parameter representation does not need to send loan audit information to a public accumulation fund center for approval, executing a release process aiming at the public accumulation fund service to be processed after executing an audit process aiming at the public accumulation fund service to be processed;
if the loan audit parameter represents that the loan audit information needs to be sent to a public accumulation fund center for approval, determining cooperative project information and cooperative project amount information related to the public accumulation fund service to be processed after an audit process aiming at the public accumulation fund service to be processed is executed; generating loan auditing information of the to-be-processed public accumulation fund service according to the cooperation project information and the cooperation project amount information; sending the loan audit information, and receiving a loan audit result aiming at the loan audit information; and executing a release flow aiming at the to-be-processed accumulation fund service according to the loan auditing result.
9. The method of claim 7, wherein the control parameters comprise: and pre-credit check parameters, wherein the pre-credit check parameters are used for determining whether the service information of the to-be-processed public accumulation fund service which is successfully checked needs to be sent to a public accumulation fund center so as to perform online examination and approval on the to-be-processed public accumulation fund service.
10. The method of claim 7, wherein the control parameters comprise: and pre-credit trial calculation parameters, wherein the pre-credit trial calculation parameters are used for determining whether the service information of the to-be-processed accumulation fund service needs to be sent to an accumulation fund center so as to determine the credit amount of the to-be-processed accumulation fund.
11. The method of claim 7, wherein the control parameters comprise: and the loan authorization parameter is used for determining whether to receive authorization information aiming at the to-be-processed public accumulation fund service from a public accumulation fund center or not so as to perform data check on the to-be-processed public accumulation fund service according to the authorization information.
12. The method of claim 7, wherein before determining the control parameters for the pending accumulation fund service, the method further comprises:
receiving control configuration information for the accumulation fund service, wherein the control configuration information comprises: the second corresponding relation between the service information of the accumulation fund and the control parameters;
the determining the control parameter of the to-be-processed accumulation fund service comprises the following steps:
and determining the control parameters of the to-be-processed accumulation fund service according to the second corresponding relation and the service information of the to-be-processed accumulation fund service.
13. An apparatus for processing accumulation fund service, comprising:
the information determining module is used for determining service information of the accumulation fund service to be processed, wherein the service information comprises at least one of the following: the information of the accumulation fund center, the information of the borrower and the loan information;
the parameter determining module is used for determining the mode parameters of the to-be-processed accumulation fund service according to the service information;
a process determining module, configured to determine, according to the mode parameter, a processing process of the to-be-processed accumulation fund service, where the processing process includes: an acceptance flow, an audit flow and a release flow;
and the service processing module is used for processing the accumulation fund service to be processed according to the processing flow.
14. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-12.
15. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-12.
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