CN113610518A

CN113610518A - Bank card arrearage additional payment processing method and device based on online transaction triggering

Info

Publication number: CN113610518A
Application number: CN202110972952.XA
Authority: CN
Inventors: 王权; 冯春阳; 许海洋
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2021-08-24
Filing date: 2021-08-24
Publication date: 2021-11-05

Abstract

The invention provides a bank card arrearage additional payment processing method and a device based on online transaction triggering, which relate to the technical field of bank transaction data processing and comprise the following steps: acquiring an online posting transaction request initiated by a client; performing posting processing according to the online posting transaction request; scanning the information of the master file of the bank card of the online account-entering transaction request, carrying out arrearage check according to the information of the master file of the bank card, and checking whether an account corresponding to the bank card has arrearage; if no arrearage exists, recording transaction running water of the posting process; and if the arrearage exists, performing arrearage additional payment according to the updated account balance, and recording the transaction flow of the account entry processing and the arrearage additional payment. The invention can discretely carry out arrearage additional payment under an online transaction mode, prevent data processing overstock caused by batch inspection and batch additional payment and prevent impact on the performance of a bank background system; aiming at the account needing arrearage additional payment, the additional payment of arrearage is initiated immediately when the account entry transaction is completed, and the success rate of additional payment is ensured to the maximum extent.

Description

Bank card arrearage additional payment processing method and device based on online transaction triggering

Technical Field

The invention relates to the technical field of bank transaction data processing, in particular to a bank card arrearage additional payment processing method and device based on online transaction triggering.

Background

The debit card is frequently subjected to annual debit card arrears caused by various reasons such as forgetting of a client, insufficient balance caused by extremely low use frequency of the card, loss of the card and voluntary abandonment of treatment by the customer service in the application and subsequent use processes. A common processing method for the annual fee arrearage existing system is to scan the data of a whole number of cards in batch at night, screen out the arrearage cards and the ordinary cards to be paid, and form a file list. And charging in batches according to the list. This situation presents a significant problem. For an owed card, it is likely that there is no funds in the card when the current bulk charging action occurs. Thus, success of the charging cannot be achieved even if the automatic charging action occurs.

In the existing arrears reimbursement process, the data throughput is large, and the processing of the data causes great expense for the system operation, namely, in the face of annual fee collection of the bank card with huge data volume (for example, the bank stock has hundreds of millions of private cards), more system resources are required to be consumed. In addition, the conventional method unconditionally tries to chase after, and a plurality of 'empty running' scenes exist. Namely, the client card has no funds, but the system consumes resources to pay, so the success rate of the payment is very low; and the information such as failure times and the like is required to be recorded continuously when the pursuit is failed, the processing steps are complicated, and the resource consumption is high.

In view of the above, there is a need for an arrearage additional payment technical scheme that can overcome the above-mentioned defects, and is efficient, convenient and fast, and can reduce the consumption of system resources.

Disclosure of Invention

In order to solve the problems in the prior art, the invention provides a bank card arrearage additional payment processing method and device based on online transaction triggering. The invention discretizes the arrearage additional payment process, and adopts an online triggering mode to replace the whole batch of screening and additional payment. Under the discrete online triggering scene, the account can be guaranteed to have funds, the transaction is dispersed to the greatest extent, the impact of centralized processing on the performance of a bank background system is reduced, and the success rate of additional payment can be greatly improved due to the fact that the funds on the spot of the transaction are used as a guarantee.

In a first aspect of an embodiment of the present invention, a method for processing a bankcard arrearage additional payment triggered based on an online transaction is provided, where the method includes:

acquiring an online posting transaction request initiated by a client;

performing posting processing according to the online posting transaction request, and updating account balance;

scanning the information of the master file of the bank card of the online account-entering transaction request, carrying out arrearage check according to the information of the master file of the bank card, and checking whether an account corresponding to the bank card has arrearage;

if no arrearage exists, recording transaction running water of the posting process;

and if the arrearage exists, performing arrearage additional payment according to the updated account balance, and recording the transaction flow of the account entry processing and the arrearage additional payment.

Further, acquiring the online posting transaction request initiated by the client includes:

and acquiring an online account-entering transaction request initiated by a customer through a mobile phone bank, a bank counter or an intelligent counter.

Further, the bank card master file information at least comprises the file information including the life cycle of the bank card, the customer number, the account opening mechanism, the loss reporting state, the annual fee pricing, the arrearage amount and the date of next annual fee collection.

Further, if the arrearage exists, the arrearage additional payment is carried out according to the updated account balance, and the transaction flow of the account entry processing and the arrearage additional payment is recorded, which comprises the following steps:

if the updated account balance is more than or equal to the arrearage amount, deducting the arrearage amount from the updated account balance, and deleting the arrearage information;

and if the updated account balance is less than the arrearage amount, deducting all the updated account balance, and updating the arrearage amount and the arrearage information.

Further, if there is arrearage, carry out arrearage chasing payment according to the account balance after the renewal, record the transaction running water of processing and arrearage chasing payment of posting an account, still include:

and if the arrearage exists, generating follow-up payment prompt information and displaying the follow-up payment prompt information to the customer.

In a second aspect of the embodiments of the present invention, a device for processing a payment due to a bank card based on online transaction triggering is provided, the device including: the system comprises a request acquisition module, an account entry processing module, a arrearage checking module, a transaction recording module and an arrearage recollection module; wherein the content of the first and second substances,

the request acquisition module is used for acquiring an online posting transaction request initiated by a client;

the posting processing module is used for performing posting processing according to the online posting transaction request and updating account balance;

the arrearage checking module is used for scanning the bank card master file information of the online check-in transaction request, carrying out arrearage checking according to the bank card master file information and checking whether an account corresponding to the bank card has arrearage;

if no arrearage exists, the transaction recording module is used for recording transaction running water of the posting process;

and if the arrearage exists, the arrearage overtaking module is used for overtaking the arrearage according to the updated account balance, and the transaction recording module is used for recording transaction running water of the account entry processing and the arrearage overtaking.

Further, the request obtaining module is specifically configured to:

Further, the arrearage following module is specifically configured to:

Further, the apparatus further comprises: a follow-up payment prompting module; wherein the content of the first and second substances,

and if the arrearage exists, the follow-up payment prompting module is used for generating follow-up payment prompting information and displaying the follow-up payment prompting information to the customer.

In a third aspect of the embodiments of the present invention, a computer device is provided, which includes a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor implements a method for processing a debit credit reimbursement triggered based on an online transaction when executing the computer program.

In a fourth aspect of the embodiments of the present invention, a computer-readable storage medium is provided, where a computer program is stored, and when the computer program is executed by a processor, the computer program implements a method for processing a debit chase payment based on an online transaction trigger.

The bank card arrearage additional payment processing method and device based on online transaction triggering can check whether corresponding accounts need to send out arrearage additional payment or not according to each account entry transaction of a customer in an online transaction mode, carry out arrearage additional payment in a discretization mode, prevent data processing overstock caused by batch check and batch additional payment, and prevent impact on the performance of a bank background system; aiming at the account needing arrearage additional payment, the additional payment of arrearage is initiated immediately when the account entry transaction is completed, and the success rate of additional payment is ensured to the maximum extent.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a schematic flow chart of a processing method for arrears additional payment of a bank card based on online transaction triggering according to an embodiment of the present invention.

Fig. 2 is a schematic diagram of a processing flow of the debit card arrears additional payment based on the online transaction trigger according to an embodiment of the present invention.

Fig. 3 is a schematic diagram of an embodiment of a bank card arrears additional payment processing device based on online transaction triggering.

Fig. 4 is a schematic diagram of a bank card arrears additional payment processing device based on online transaction triggering according to another embodiment of the invention.

Fig. 5 is a schematic structural diagram of a computer device according to an embodiment of the present invention.

Detailed Description

The principles and spirit of the present invention will be described with reference to a number of exemplary embodiments. It is understood that these embodiments are given solely for the purpose of enabling those skilled in the art to better understand and to practice the invention, and are not intended to limit the scope of the invention in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.

As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.

According to the implementation mode of the invention, the bank card arrearage additional payment processing method and device based on online transaction triggering are provided, and the technical field of bank transaction data processing is related.

The invention cancels the batch screening and screens the arrearage cards; leaving the portion of the debit card for processing in the online transaction process; for an arrears card, the success rate of arrears collection can be guaranteed only by ensuring that a sufficient balance is available under the ATM/POS account item. In the usual sense, the fund flow of a debit card comes from online transactions, i.e., real-time transfer revenue, payroll revenue, cash deposit, cash redemption, and the like. The bank background system determines that an effective fund balance exists under the card by monitoring the change of the online fund flow. At this time, the action of collecting arrearage is initiated, so that the success of charging to the maximum extent can be ensured. In addition, each arrearage card generates the triggering action at different time, so that large-scale transaction to the system in short time is avoided, system performance pressure is generated, and consumption of a bank background system can be reduced.

In the embodiments of the present invention, terms to be described include:

annual fee: the customer applies for and uses a debit card, requiring an annual usage fee.

Bank background system: a bank's account management, transaction and accounting processing system.

ATM/POS Account: debit card associated demand-only account for ATM or POS transactions

Online transaction: the customer completes a system interaction process with a specific purpose through a transaction channel and a transaction picture through certain operation.

Batch treatment: the system completes the processes of a series of operations such as screening, calculation, updating and the like of the whole batch of data through an automatic processing mechanism.

The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the invention.

Fig. 1 is a schematic flow chart of a processing method for arrears additional payment of a bank card based on online transaction triggering according to an embodiment of the present invention. As shown in fig. 1, the method includes:

s101, acquiring an online posting transaction request initiated by a client;

s102, performing posting processing according to the online posting transaction request, and updating account balance;

s103, scanning the information of the master file of the bank card of the online posting transaction request, carrying out arrearage check according to the information of the master file of the bank card, and checking whether an account corresponding to the bank card has arrearage;

s104, if no arrearage exists, recording transaction running water of the posting process;

and S105, if the arrearage exists, performing arrearage additional payment according to the updated account balance, and recording transaction running water of account entry processing and arrearage additional payment.

In order to explain the method for processing the arrears additional payment of the bank card based on the online transaction trigger more clearly, each step is described in detail below.

In S101, the specific process of acquiring the online posting transaction request initiated by the client is as follows: and acquiring an online account-entering transaction request initiated by a customer through a mobile phone bank, a bank counter or an intelligent counter.

In the actual operation process, when a customer holds a card to initiate an account entry type transaction, the customer can pass through a bank counter, a mobile phone, an intelligent counter and the like.

In S102, the online posting transaction request is received at the bank background system, and posting may be performed according to a conventional process, so as to increase the account balance.

In S103, the scanned bank card master file information at least includes file information including a life cycle of the bank card, a customer number, an account opening mechanism, a loss report state, annual fee pricing, an amount of arrears, and a date of next annual fee collection.

After the entrance processing, the invention adds the processes of checking and additional payment of the arrearage fee, and judges whether the card is an arrearage card or not according to whether the arrearage amount is 0 or not by scanning the master file information of the card.

And for the arrears card, the bank background system carries out the action of chasing up the arrears in a linkage manner after the accounting processing.

In S104, if no arrears exist, the transaction running water of the posting process is recorded; and directly writing the stream processing transaction return result according to the original logic.

Specifically, in S105, if there is an arrear, the arrear reimbursement is performed according to the updated account balance, and the specific process of recording the transaction flow of the posting process and the arrear reimbursement is as follows:

In addition, if the arrearage exists, generating additional payment prompt information and displaying the additional payment prompt information to the customer.

The invention implements a strategy of 'how many buttons there are'. For example, 10 dollars are owed, the customer account is only 3 dollars, the deduction is performed, and the owed amount is updated to 7 dollars. No matter whether the collection is successful or not, the arrearage additional payment operation does not carry out error reporting processing. The original transaction operation of the normal client cannot be influenced. And after the transaction is finished, representing the annual fee additional payment of running water in the running water record.

And for the condition that the one-time additional payment is not complete, the subsequent additional payment is continued according to the logic until the complete additional payment is completed, and the arrearage amount is reset.

Compared with the prior art, the invention has at least the following advantages:

the system pressure caused by batch screening of the arrearage cards and batch payment of annual fees is solved.

The idle running phenomenon generated by batch blind pursuit payment is solved, and the effectiveness of pursuit payment is improved.

The basic modification is carried out on the basis of the existing online posting transaction, the system modification is small, and the modification cost is low.

The method has clear running water and reminding information, is convenient for the client to know, and improves the experience of the client.

And online real-time additional payment is carried out, and the money is collected according to the account balance, so that the successful recovery of bank funds is ensured.

It should be noted that although the operations of the method of the present invention have been described in the above embodiments and the accompanying drawings in a particular order, this does not require or imply that these operations must be performed in this particular order, or that all of the operations shown must be performed, to achieve the desired results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.

In order to more clearly explain the method for processing the arrears additional payment of the bank card based on the online transaction trigger, a specific embodiment is described below.

Fig. 2 is a schematic diagram of a processing flow of the debit card arrears additional payment based on the online transaction trigger according to an embodiment of the present invention. As shown in fig. 2, the specific process is as follows:

s201, the customer holds the card to initiate a check-in transaction.

And S202, the bank background system receives the transaction request data, performs account entry processing, and increases the account balance.

S203, initiating arrearage inquiry, reading the master file information of the bank card and judging whether the arrearage is caused.

S204, if the arrearage exists, the arrearage amount is chased from the customer account, even if the amount is insufficient, the arrearage amount is deducted, and the arrearage information is updated;

in the process, the reminding information for the follow-up payment notification can be sent, for example, the customer is reminded of the arrearage follow-up payment through a short message and a screen popup window, and the customer experience degree is guaranteed.

S205, updating the arrearage amount information of the card master file; the IPS interface platform system receives the message and forwards the message according to the message information element.

And S206, writing transaction flow and returning a transaction result.

The centralized chasing payment method is discretized, and an online triggering mode is adopted to replace the whole batch of screening and chasing payment. In a specific application scenario, 10 ten thousand arrearage cards are arranged in a bank background system, and a cardholder may have financial collection type transactions at different time intervals, receive transferred money, deposit cash, withdraw money from a purse and the like. Under the discrete scenes, the invention can carry out arrearage additional payment under the condition of ensuring the account to have funds according to the online account entry transactions, and the transaction process of the arrearage additional payment is dispersed to the maximum extent, thereby reducing the impact of centralized processing on the system performance. Because the fund of the transaction place is used as a guarantee, the rate of success of additional payment can be greatly improved.

When the method is implemented, the batch processing mode of the conventional bank background system needs to be modified, batch screening is stopped, and the processing function of daily additional payment is performed in batches.

And modifying the online account-entering transaction, implanting arrearage judgment logic and charging processing logic in the existing transaction processing flow, and triggering the arrearage judgment and charging processing process when the account-entering transaction occurs.

And transforming the flow record, and adding the information written in the additional payment arrearage.

Display pictures of a mobile phone bank, a bank counter and an intelligent counter are modified, short message notification is set, a customer is informed of paying annual fees, and the experience degree of the customer is improved.

The arrearage reimbursement method has little change on the existing account processing flow, but the realized technical effect is outstanding, the arrearage reimbursement action and the entry processing flow can be bound, the resource consumption of a bank background system is reduced, and the success rate of reimbursement is ensured to the maximum extent.

Having described the method of an exemplary embodiment of the present invention, a bank card arrears surcharge processing apparatus based on online transaction triggering of an exemplary embodiment of the present invention will be described next with reference to fig. 3.

The implementation of the bank card arrearage additional payment processing device based on online transaction triggering can be referred to the implementation of the method, and repeated details are not repeated. The term "module" or "unit" used hereinafter may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.

Based on the same inventive concept, the invention also provides a bank card arrearage additional payment processing device based on online transaction triggering, as shown in fig. 3, the device comprises: the system comprises a request acquisition module 310, an account posting processing module 320, a debt checking module 330, a transaction recording module 340 and a debt recollection module 350; wherein the content of the first and second substances,

the request obtaining module 310 is configured to obtain an online posting transaction request initiated by a client;

the posting processing module 320 is configured to perform posting processing according to the online posting transaction request, and update an account balance;

the arrearage checking module 330 is configured to scan the master file information of the bank card of the online posting transaction request, perform arrearage checking according to the master file information of the bank card, and check whether an account corresponding to the bank card has arrearage;

the bank card master file information at least comprises the file information including the life cycle of the bank card, the customer number, the account opening mechanism, the loss reporting state, the annual fee pricing, the arrearage amount and the date of next annual fee collection.

If no arrears exist, the transaction recording module 340 is configured to record transaction flow of the posting process;

if the arrears exist, the arrears chasing module 350 is used for carrying out arrears chasing according to the updated account balance, and the transaction recording module 340 is used for recording transaction running water of account entry processing and arrears chasing.

In this embodiment, the request obtaining module 310 is specifically configured to:

In this embodiment, the arrearage reimbursement module 330 is specifically configured to:

Further, referring to fig. 4, a schematic diagram of a bank card arrears additional payment processing apparatus based on online transaction triggering according to another embodiment of the present invention is shown. As shown in fig. 4, the apparatus further includes: a call-following prompt module 360; wherein the content of the first and second substances,

if the arrearage exists, the follow-up payment prompting module 360 is used for generating follow-up payment prompting information and displaying the follow-up payment prompting information to the customer.

It should be noted that although several modules of the bankcard arrears payoff processing arrangement based on online transaction triggering are mentioned in the above detailed description, such division is merely exemplary and not mandatory. Indeed, the features and functionality of two or more of the modules described above may be embodied in one module according to embodiments of the invention. Conversely, the features and functions of one module described above may be further divided into embodiments by a plurality of modules.

Based on the aforementioned inventive concept, as shown in fig. 5, the present invention further provides a computer device 500, which includes a memory 510, a processor 520 and a computer program 530 stored in the memory 510 and executable on the processor 520, wherein the processor 520 executes the computer program 530 to implement the aforementioned method for processing the debit card arrears reimbursement based on the online transaction trigger.

Based on the above inventive concept, the present invention provides a computer-readable storage medium, which stores a computer program, and the computer program, when executed by a processor, implements the method for processing the debt and payment due of the bank card based on the online transaction trigger.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present invention, which are used for illustrating the technical solutions of the present invention and not for limiting the same, and the protection scope of the present invention is not limited thereto, although the present invention is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims

1. A bank card arrearage additional payment processing method based on online transaction triggering is characterized by comprising the following steps:

acquiring an online posting transaction request initiated by a client;

2. The method for processing the arrearage reimbursement payment based on the online transaction trigger as claimed in claim 1, wherein the step of obtaining the online debit transaction request initiated by the customer comprises:

3. The method for processing arrearage and payment due of bank card based on online transaction triggering as claimed in claim 1, wherein the bank card master file information at least comprises:

the life cycle of the bank card, the number of the client, the account opening mechanism, the loss reporting state, the annual fee pricing, the arrearage amount and the next time of collecting the archival information including the annual fee date.

4. The method for processing arrearage reimbursement based on online transaction triggering according to claim 1, wherein if arrearage exists, performing arrearage reimbursement according to the updated account balance, and recording transaction flow of entry processing and arrearage reimbursement, comprises:

5. The method for processing arrearage reimbursement based on online transaction triggering according to claim 4, wherein if there is arrearage, performing arrearage reimbursement according to the updated account balance, and recording transaction flow of entry processing and arrearage reimbursement, further comprising:

6. A bank card arrearage chases after and pays processing apparatus based on online transaction triggers, characterized by that, the apparatus includes: the system comprises a request acquisition module, an account entry processing module, a arrearage checking module, a transaction recording module and an arrearage recollection module; wherein the content of the first and second substances,

7. The device for processing the arrearage and the reimbursement of the bank card based on the on-line transaction trigger as claimed in claim 6, wherein the request acquisition module is specifically configured to:

8. The device for processing the arrearage and the reimbursement of the bank card based on the on-line transaction triggering as claimed in claim 6, wherein the bank card master file information at least comprises:

9. The device for processing arrearage reimbursement for a bank card based on online transaction triggering as claimed in claim 6, wherein the arrearage reimbursement module is specifically configured to:

10. The device for processing the arrears of the bank card based on the on-line transaction trigger according to claim 9, characterized in that the device further comprises: a follow-up payment prompting module; wherein the content of the first and second substances,

11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 5 when executing the computer program.

12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 5.