CN113706107A

CN113706107A - Accumulation fund payment method and device, electronic equipment and computer readable medium

Info

Publication number: CN113706107A
Application number: CN202110995998.3A
Authority: CN
Inventors: 陆军辉
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-08-27
Filing date: 2021-08-27
Publication date: 2021-11-26

Abstract

The invention discloses a method and a device for paying a public accumulation fund, electronic equipment and a computer readable medium, and relates to the technical field of automatic program design. Wherein, the method comprises the following steps: acquiring a payment and verification record to be processed; matching the account arrival notification information with the bill in the payment and verification record; and under the condition that the type of the payment approval record is multi-bill payment, storing account-arriving funds corresponding to the account-arriving notification information matched with the bill into a temporary deposit, and completing the payment of the public deposit account based on the temporary deposit. Through the steps, the public deposit payment processing flow can be automatically, efficiently and flexibly realized, the user is supported to use multiple accounts to pay the public deposit, and the experience of paying the public deposit by the user is improved.

Description

Accumulation fund payment method and device, electronic equipment and computer readable medium

Technical Field

The invention relates to the technical field of automatic program design, in particular to a method and a device for paying a public accumulation fund, electronic equipment and a computer readable medium.

Background

The accumulation fund payment is the behavior that a unit pays the house accumulation fund of a worker per se by a unit load and withholding, and the house accumulation fund which is voluntarily paid is stored into a house accumulation fund special household by unfixed workers such as individual industrial and commercial customers, free workers, non-full-daily workers and the like, and comprises the actions of collection and compensation.

In the construction of the accumulation fund information system, the most original accumulation fund payment transaction mode is manual transaction by a teller. The method requires that a company carries a check, and manually handles the deposit through a bank teller on site, and the company-handling site checks the amount of the remittance approval record and the transfer check, so that the payment can be handled if the balance is matched. In this mode, when a unit deals with and remits a plurality of checks, the temporary deposit transaction is only involved when there is a refund, and the collected part of the funds is stored in the central account and is recorded in the temporary deposit. After all other money is received, the bank counter directly uses the originally received temporary deposit and the last received fund to record the business account, and the temporary deposit only relates to the previously received money during business processing.

After the housing public accumulation fund system is connected with a settlement platform of a housing establishment department, a three-account-in-one accounting mechanism is implemented according to the standard passing requirement, and meanwhile, according to the money laundering rule of the people's bank, the internal account of the bank is cancelled as a transfer transition, and each fund is directly recorded into the central fund account. When multiple checks are delivered and stored, multiple remittances are delivered and stored, and remittance amount is not consistent with service approval amount in the system, temporary deposit is generated, the network points need to check with units one by one, and when the balance of the temporary deposit is equal to the unit approval amount, the temporary deposit is used for handling remittance. In this mode, any unit can remit any amount of money into the bank account of the center in the modes of internet bank remittance, telecommunication and wire transfer, check withdrawal at the payment bank and the like, so that the fund is not driven by the service, and more unachieved account entries and account hanging of temporary deposit are generated. Aiming at the problems, the public accumulation fund center is usually used for establishing a seal, determining departments to divide labor, or reducing the occurrence of the transactions in a real-time monitoring mode, a timely reporting mode and the like. However, these measures have the disadvantages of large consumption of manpower and material resources, and lack of automation and intellectualization.

In order to further facilitate the payment of customers, the house accumulation fund center pushes a consignment payment mode, and the automatic deduction of the accumulation fund of the payment unit is realized through a signing mode. Under the mode, the unit only needs to cross to pay and check on the premise of deducting and marking days, and can automatically deduct and mark the public accumulation fund to pay the deposit fund by ensuring that the balance of the fund in the settlement account is enough to be deducted and marked.

The existing housing accumulation fund payment handling scheme at least has the following defects: firstly, an original manual teller handling payment mode is adopted, so that high labor cost exists for both a unit and a bank, and the risk of manual misoperation exists in business handling; secondly, a payment mode that any unit remits any amount of money into a central bank account is adopted, fund driving through business cannot be realized, one business account is not corresponding to one account-arriving fund information, more account-pending items and account-temporarily-deposited account hanging are generated, and a large amount of manpower and material resources are consumed for detecting and processing the account hanging problem; thirdly, the collection method of entrusted collection is adopted, the timeliness of collection cannot be guaranteed, and the method of each unit participating in the collection of the accumulation fund is not flexible enough.

Disclosure of Invention

In view of the above, the invention provides a method, an apparatus, an electronic device and a computer readable medium for paying a public accumulation fund, which can at least solve at least one of the problems of poor flexibility, low timeliness, high probability of human operation errors and the like of the existing scheme for paying a public accumulation fund, and improve the user experience of paying a public accumulation fund.

To achieve the above object, according to a first aspect of the present invention, a method for paying a public accumulation fund is provided.

The invention discloses a public accumulation fund payment method, which comprises the following steps: acquiring a payment and verification record to be processed; matching the account arrival notification information with the bill in the payment and verification record; and under the condition that the type of the payment approval record is multi-bill payment, storing account-arriving funds corresponding to the account-arriving notification information matched with the bill into a temporary deposit, and completing the payment of the public deposit account based on the temporary deposit.

Optionally, the matching of the account arrival notification information to the bill in the payment approval record includes: inquiring account arrival notification information from a database table; and matching the account arrival notification information to a payment unit according to the business classification to which the account arrival notification information belongs, and then matching the account arrival notification information to a bill in a payment verification record under the payment unit.

Optionally, the matching the account arrival notification information to the bill in the payment approval record under the payment unit includes: for the bill in the payment and deposit approval record, searching account arrival notification information matched with the bill in the payment and deposit approval record according to the payment account and the payment amount; and under the condition that account arrival notification information matched with the bill in the payment and verification record is found out, updating the value of an account arrival notification field corresponding to the bill in the payment and verification record according to the account arrival notification information.

Optionally, before matching the account arrival notification information to the bill in the payment approval record, the method further includes: receiving an account arrival notification file pushed by a settlement system, analyzing the account arrival notification file to obtain account arrival notification information, and writing the account arrival notification information into a database table.

Optionally, before writing the ledger notification information into the database table, the method further includes: judging whether repeated account arrival notification information exists or not; in the case that repeated account arrival notification information exists, carrying out deduplication processing on the repeated account arrival notification information; and/or judging whether invalid account arrival notification information exists or not; and in the case that invalid account receipt notification information exists, removing the invalid account receipt notification information.

Optionally, before matching the account arrival notification information to the bill in the payment approval record, the method further includes: starting a timing task, and confirming that no task record with an execution state of a first value exists in a current timing task tracking table; wherein the execution state is a first value indicating that the task is executing.

Optionally, the method further comprises: after confirming that no task record with the execution state of a first value exists in the current timing task tracking table, generating a corresponding task record in the timing task tracking table for the started timing task, and setting the execution state of the corresponding task record as the first value; after the started timing task is executed, setting the execution state of the corresponding task record as a second value; and the execution state is the second value, which indicates that the task is executed completely.

Optionally, the method further comprises: after confirming that a task record with an execution state of a first value exists in a current timing task tracking table, generating a corresponding task record in the timing task tracking table for the started timing task, and setting the execution state of the corresponding task record as a third value; and the execution state is a third value, which indicates that the task fails to be executed.

Optionally, the method further comprises: and under the condition that the type of the payment approval record is single bill payment, directly completing the deposit and check-in of the accumulation fund based on the account-reaching fund corresponding to the account-reaching notification information matched with the bill.

Optionally, the method further comprises: after the account-arriving fund corresponding to the account-arriving notification information matched with the bill is deposited into a temporary deposit, setting the bill state of the bill as paid; and after the deposit of the public deposit is finished based on the temporary deposit, setting the bill states of all bills in the deposit approval record as the paid bills.

Optionally, the method further comprises: and before the deposit of the public deposit is finished based on the temporary deposit, confirming that all bills in the deposit approval record are in a paid state, and the balance of the temporary deposit is greater than or equal to the total amount of the deposit approval record.

Optionally, the completing the deposit accounting of the public deposit fund based on the temporary deposit includes: under the condition that the payment approval record is a payment approval record, completing the payment of the accumulation fund on the basis of the temporary deposit; and under the condition that the payment approval record is the reimbursement approval record, completing the reimbursement posting of the public deposit based on the temporary deposit.

To achieve the above object, according to a second aspect of the present invention, another accumulation fund payment device is provided.

The invention discloses a public accumulation fund payment device, which comprises: the acquisition module is used for acquiring a payment and verification record to be processed; the matching module is used for matching the account arrival notification information with the bill for payment and verification; and the payment account-entering module is used for storing account-entering funds corresponding to the account-entering notification information matched with the bill into a temporary deposit under the condition that the type of the payment approval record is multi-bill payment, and completing the payment account-entering of the accumulation fund based on the temporary deposit.

Optionally, the apparatus further comprises: and the account arrival notification processing module is used for receiving an account arrival notification file pushed by a settlement system, analyzing the account arrival notification file to obtain account arrival notification information, and writing the account arrival notification information into a database table.

Optionally, before writing the account arrival notification information into the database table, the account arrival notification processing module is further configured to: judging whether repeated account arrival notification information exists or not; in the case that repeated account arrival notification information exists, carrying out deduplication processing on the repeated account arrival notification information; and/or judging whether invalid account arrival notification information exists or not; and in the case that invalid account receipt notification information exists, removing the invalid account receipt notification information.

Optionally, the apparatus further comprises: the master control management module is used for starting a timing task and confirming that no task record with a first value in an execution state exists in the current timing task tracking table before the account arrival notification information is matched with the bill in the payment and verification record by the matching module; wherein the execution state is a first value indicating that the task is executing.

Optionally, the total control management module is further configured to: after confirming that no task record with the execution state of a first value exists in the current timing task tracking table, generating a corresponding task record in the timing task tracking table for the started timing task, and setting the execution state of the corresponding task record as the first value; after the started timing task is executed, setting the execution state of the corresponding task record as a second value; and the execution state is the second value, which indicates that the task is executed completely.

Optionally, the total control management module is further configured to: after confirming that a task record with an execution state of a first value exists in a current timing task tracking table, generating a corresponding task record in the timing task tracking table for the started timing task, and setting the execution state of the corresponding task record as a third value; and the execution state is a third value, which indicates that the task fails to be executed.

Optionally, the deposit and posting module is further configured to: and under the condition that the type of the payment approval record is single bill payment, directly completing the deposit and check-in of the accumulation fund based on the account-reaching fund corresponding to the account-reaching notification information matched with the bill.

To achieve the above object, according to a third aspect of the present invention, there is provided an electronic apparatus.

The electronic device of the present invention includes: one or more processors; and storage means 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 for collecting and saving the public accumulation fund of the invention.

To achieve the above object, according to a fourth aspect of the present invention, there is provided a computer-readable medium.

The computer-readable medium of the present invention has stored thereon a computer program which, when executed by a processor, implements the method of the present invention.

One embodiment of the above invention has the following advantages or benefits: according to the method and the device, the to-be-processed payment approval record is obtained, the account arrival notification information is matched with the bill in the payment approval record, account arrival funds corresponding to the account arrival notification information matched with the bill are stored in the temporary deposit under the condition that the type of the payment approval record is multi-bill payment, and the account entry of the accumulated fund is finished based on the temporary deposit, so that the accumulated fund payment processing flow can be automatically, efficiently and flexibly realized, a user is supported to use multiple accounts to pay the accumulated fund, and the experience of the user in paying the accumulated fund is improved.

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 an exemplary system architecture diagram in which embodiments of the present invention may be employed;

fig. 2 is a schematic main flow chart of a method for paying a public accumulation fund according to a first embodiment of the present invention;

FIG. 3 is a schematic main flowchart of a method for paying a public accumulation fund according to a second embodiment of the present invention;

FIG. 4 is a schematic flow diagram of the main flow of the processing of an account notification file in an alternative example;

FIG. 5 is a schematic diagram of a main flow of matching the account notification information to the bill in an alternative example;

fig. 6 is a schematic main flow chart of a method for paying a public accumulation fund according to a third embodiment of the present invention;

fig. 7 is a schematic diagram of major modules of a accumulation fund payment device according to a fourth embodiment of the present invention;

FIG. 8 is a schematic block diagram of a computer system suitable for use with the electronic device to implement an embodiment of the invention.

Detailed Description

Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

It should be noted that the embodiments and technical features of the embodiments of the present invention may be combined with each other without affecting the implementation of the present invention.

Before describing embodiments of the present invention in detail, some technical terms related to the embodiments of the present invention will be described,

collection Payment and delivery: the method refers to a process that a unit transacts account opening registration in a fund center, and pays housing accumulation funds paid by the unit and paid for employees to the fund center according to months within a specified period.

Supplementary Payment (Supplementary Payment and delivery): the unit pays the house accumulation fund which is not paid and is slowly paid before the current month and the house accumulation fund which is not paid and is less paid by the employee.

Fig. 1 shows an exemplary system architecture 100 of a method or device for collecting a public accumulation fund to which an embodiment of the present invention can be applied.

As shown in fig. 1, the system architecture 100 may include

terminal devices

101, 102, 103, a network 104, and a server 105. The network 104 serves as a medium for providing communication links between the

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

Users (such as staff members who need to transact deposit accumulation services, bank tellers, etc.) can use the

terminal devices

101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages, etc. Various communication client applications, such as a deposit of public deposit application, a web browser application, a search application, an instant messaging tool, a mailbox client, social platform software, and the like, may be installed on the

terminal devices

101, 102, and 103.

The

terminal devices

101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server providing support for a deposit-type application browsed by a user using the

terminal devices

101, 102, 103. For example, the backend management server may process a public deposit payment request and the like sent by the terminal device through the network, and feed back a processing result (such as a public deposit payment processing result) to the terminal device.

It should be noted that the method for collecting the public deposit provided by some embodiments of the present invention is generally executed by the server 105, and accordingly, the device for collecting the public deposit is generally disposed in the server 105. In addition, the method for paying the public deposit fund provided by another embodiment of the present invention is generally executed by a terminal device, and accordingly, the device for paying the public deposit fund is generally disposed in the terminal device.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

First embodiment

Fig. 2 is a schematic main flow chart of a method for paying a public accumulation fund according to a first embodiment of the present invention. As shown in fig. 2, the method for paying the public deposit money according to the embodiment of the present invention includes:

step S201: and acquiring a payment and verification record to be processed.

Illustratively, in step S201, the mechanism level of the accumulation fund center may be traversed. Specifically, each organization includes a plurality of management units, and in step S201, the data of each management unit is traversed to check whether or not there is a payment approval record under each management unit. If a management department has a payment and storage approval record, acquiring the payment and storage approval record under the management department; if the management department has no payment checking record, the public deposit payment processing flow under the management department is finished, and whether the next management department has the payment checking record or not is continuously checked.

Optionally, when the payment and deposit approval records under the management department are obtained, the payment and deposit approval records of all the payment units under one or more management departments are obtained at one time and are used as the payment and deposit approval records to be processed; alternatively, a specified number of payment approval records under one or more management departments may also be acquired at a time and used as the payment approval records to be processed, for example, 500 payment approval records are acquired each time.

Optionally, when the payment and deposit approval record under the management department is obtained, further screening is performed according to the bill state in the payment and deposit approval record. For example, only the payment and deposit approval record with the bill status of "unpaid" or "paid" is obtained, and the payment and deposit approval record with the bill status of "paid" is not obtained. Wherein, the bill state is 'paid' which indicates that the payment approval record is processed without processing again.

Optionally, when the payment approval record under the management department is obtained, further screening may be performed according to whether the service type of the accumulated fund payment is remittance or reimbursement. For example, when the accumulated fund is collected, the collected fund verification record under the management part is obtained; and acquiring a compensation approval record under the management part when the public deposit compensation processing is carried out.

Step S202: and matching the account arrival notification information with the bill in the payment and approval record.

For example, in step S202, the account arrival notification information may be queried from a database table, and then matched to a payment unit according to the business classification to which the account arrival notification information belongs, and then matched to a bill in a payment approval record under the payment unit.

As an example, certain filtering conditions may be set when account notification information is queried from a database table. For example, the screening conditions are set to: the reception date of the account arrival notification is set to "within 10 days before the server date", the receipt flag of the account arrival notification is set to "collected", the reconciliation status of the account arrival notification is set to "reconciliation failed", the accounting association flag of the account arrival notification is set to "unassociated", and the matching status of the account arrival notification is set to "unmatched or matching failed".

As one example, the business classification of the accumulation fund-to-account notification is divided into an aggregation, a loan, and an unknown depending on the type of the account-specific of the notification. When the service of the account arrival notice is classified into a collection, the account arrival notice is matched to a payment unit, and then the account arrival notice is matched to a bill under a payment and verification record of the payment unit; when the service classification of the account arrival notice is unknown, the account arrival notice is matched to a payment unit, then the account arrival notice is matched to an individual, and then the account arrival notice is matched to a bill in an individual payment verification record; when the service of the account arrival notice is classified into loan, the account arrival notice is matched with the repayment person, and then the account arrival notice is matched with the bill in the payment and deposit approval record of the repayment person.

Further, when the traffic of the account-arriving notification is classified as a set, the account-arriving notification can be matched to the bill as follows: firstly, comparing the payment account of the account arrival notice with the pre-registered settlement account of the payment unit, and matching the account arrival notice with the payment unit if the payment account of the account arrival notice is contained in the pre-registered settlement account of the payment unit; and then, comparing the payment account and the account amount of the account arrival notice with the bill in the payment approval record under the payment unit, and matching the account arrival notice with the bill if the payment account and the account amount of the account arrival notice are consistent with the bill. In addition, when a group settlement account is shared by a plurality of sub-units in a group unit, the group settlement account can be distinguished based on the unit account number or the identification code of the recording sub-unit.

Step S203: and under the condition that the type of the payment approval record is multi-bill payment, storing account-arriving funds corresponding to the account-arriving notification information matched with the bill into a temporary deposit, and completing the payment of the public deposit account based on the temporary deposit.

The types of the payment approval records comprise multi-bill payment and single-bill payment. The multi-bill payment means that one payment approval record comprises a plurality of bills. In specific implementation, a user (for example, an operator of a payment unit) can split the remittance or the subsidy approval amount into a plurality of bills to be paid according to a plurality of settlement account information of the payment unit. The bill payment means that a payment approval record comprises a bill. The bill in the payment approval record can be a bill using a common settlement account, and can also be a bill using a temporary deposit account.

And under the condition that the type of one payment approval record is multi-bill payment, storing the account funds corresponding to each bill into a temporary deposit, and after the account funds corresponding to all bills in the payment approval record are stored into the temporary deposit, performing payment and account entry of the accumulation funds based on the funds in the temporary deposit. Under the condition that the type of the payment approval record is single bill payment, the deposit and the check-in of the accumulation fund can be directly completed based on the account-arriving fund corresponding to the account-arriving notification information matched with the bill.

In the embodiment of the invention, a new accumulation fund payment scheme different from the prior art is realized through the steps, the scheme supports a payment unit to use a plurality of accounts to pay an accumulation fund service, so that each unit operator can split bills according to the actual situation of the unit operator, and the remittance time and the money amount can be mastered by the unit operator, thereby giving the great flexibility and convenience to the payment unit. Moreover, the embodiment of the invention improves the automation and intelligentization level of handling the accumulation fund payment service and reduces the error probability of the accumulation fund payment through the steps.

Second embodiment

Fig. 3 is a schematic main flow chart of a method for paying the accumulation fund according to a second embodiment of the present invention. As shown in fig. 3, the method for paying the public deposit money according to the embodiment of the present invention includes:

step S301: a timing task is started.

Illustratively, in this step, the timed task is started in response to a timer trigger. For example, the timing task may be started every 15 minutes, and the starting time is controlled between 6 o 'clock and 17 o' clock of business date.

Step S302: and checking whether a task record with an execution state of a first value exists in the current timing task tracking table.

Considering that the time interval for starting the timing task is fixed and the traffic volume is dynamically changed, there may be a risk that the next timing task is started when the previous timing task is not finished, so that the same service is processed. In view of this, the embodiment of the present invention adds total control management, that is, when the timing task is started, it is checked whether there is an automatic posting type timing task in execution. In specific implementation, whether the executed timed task of the automatic posting type exists or not can be checked through independent transactions.

As an example, in step S302, the timed task tracking table is queried according to the center number, and it is determined whether a task record with an execution state being a first value exists in the current timed task tracking table according to a query result. Wherein the execution state is a first value indicating that the task is executing. Executing step S303 if there is a task record whose execution state is the first value; if there is no task record whose execution state is the first value, step S306 is executed.

Step S303: and generating a corresponding task record in a timing task tracking table for the started timing task, and setting the execution state of the corresponding task record as a first value.

After checking that no task in execution exists currently, inserting a task record with an execution state of a first value into the timing task tracking table for the started timing task.

Step S304: and executing account arrival notification matching, temporary deposit account entry and accumulation fund payment account entry functions in a slicing serial mode according to the number of the management part.

In the embodiment of the invention, in order to fully utilize the CPU resource and accelerate the service processing speed, the payment and verification records can be segmented according to the numbers of the management parts, for example, the payment and verification records of one management part can be recorded and played in one segment, the payment and verification records of different management parts can be recorded and played in different segments, and the timing task is executed in parallel through multiple threads. The timed task further comprises processing links such as account arrival notification matching, temporary deposit accounting, accumulation fund accounting and the like, and specifically comprises the following steps: step a, acquiring a payment and verification record to be processed; step b, matching the account arrival notification information with the bill in the payment and approval record; and c, under the condition that the type of the payment approval record is multi-bill payment, storing account-arriving funds corresponding to the account-arriving notification information matched with the bill into a temporary deposit, and completing the payment and account-entering of the accumulation fund based on the temporary deposit.

As to how steps a to c are specifically performed, reference may be made to the related description of steps S201 to S203 in the embodiment shown in fig. 2.

Step S305: and after the execution of the started timing task is finished, setting the execution state of the corresponding task record as a second value.

And the execution state is the second value, which indicates that the task is executed completely. In this step, the state of the task record corresponding to the timed task in the timed task tracking table is updated to a second value.

Step S306: and generating a corresponding task record in a timing task tracking table for the started timing task, and setting the execution state of the corresponding task record as a third value.

And the execution state is a third value, which indicates that the task fails to be executed. In this step, a task record whose execution state is the third value is inserted for the timed task in the timed task tracking table.

Optionally, in the second embodiment of the present invention, before the account arrival notification information is matched to the bill in the payment approval record, a step of processing the account arrival notification file is further included.

Fig. 4 is a schematic diagram of the main flow of the account notification file processing in an alternative example. As shown in fig. 4, the account arrival notification file processing flow includes:

step S401: and receiving the account arrival notification file pushed by the settlement system.

After the unit manager remits the money to the central settlement account, the settlement system of the dwelling part pushes the settlement notice file, and the system receives the settlement notice file pushed by the settlement system. Or initiating online updating through a page, and downloading the required account arrival notification file according to the bank and date range.

Step S402: and analyzing the account arrival notification file to obtain account arrival notification information.

Step S403: and judging whether repeated account arrival notification information exists or not.

Alternatively, in step S403, whether duplicate data exists may be determined according to one or more of the following factors: transaction date, bank serial number, account number of the special account, account number of the opposite party, amount of occurrence, balance of the special account, and correction mark.

In the case where there is duplicate arrival account notification information, step S404 is executed; in the case where there is no duplicate arrival account notification information, step S405 is executed.

Step S404: and carrying out duplicate removal processing on the repeated account arrival notification information.

After step S404, step S405 is executed.

Step S405: and judging whether invalid account arrival notification information exists or not.

In step S405, it is determined whether the special account notification information includes information such as a special account number, and if the special account number includes information, it is determined that the special account notification information is valid; and if the information such as the special account number is not included, confirming that the account notification information is invalid.

In the case where there is invalid receipt notification information, executing step S406; in the case where there is no invalid posting notification information, step S407 is executed.

In another optional example, it may be further determined whether invalid account receipt notification information exists first, and then whether repeated account receipt notification information exists.

In the embodiment of the invention, through judging whether the data is repeated or not and whether the data is invalid or not and carrying out corresponding duplication removal processing or invalid data removal processing on the account arrival notification information, the calculation amount of subsequent account arrival notification matching processing caused by repeated or invalid data is reduced, and the processing efficiency of automatic account payment and posting of the accumulation fund is improved.

Step S406: and removing the invalid account arrival notification information.

Step S407: and writing the account arrival notification information into a database table.

Illustratively, in step S407, the account arrival notification information may be written into the account notification table, the bank settlement flow meter, and the bank deposit journal table. In addition, the account file processing flow can further comprise the following steps: and recording the processing condition of the account receipt notification file, and recording the removed account receipt notification data.

In the embodiment of the invention, the automatic processing of the account arrival notification file is realized through the steps, and the account arrival notification information required by the subsequent processing is obtained through the processing, so that the accumulated fund payment processing flow can be realized according to the account arrival notification information in the subsequent process.

Fig. 5 is a schematic diagram of a main flow of matching the account notification information to the bill in an alternative example. As shown in fig. 5, the flow of matching the account arrival notification information to the bill includes:

step S501: and inquiring the account arrival notification information from the database table.

Optionally, the automatic matching processing flow of the account arrival notification is executed under the trigger of a timer or the trigger of a page button.

Step S502: and matching the account arrival notification information with a payment unit according to the business classification to which the account arrival notification information belongs.

Step S503: and inquiring account arrival notification information matched with the bill in the payment and deposit approval record according to the payment account and the payment amount for the bill in the payment and deposit approval record under the payment unit.

As an example, in step S503, matching the account arrival notification information to the bill in the payment approval record under the payment unit specifically includes: for the bill in the payment and deposit approval record, searching account arrival notification information matched with the bill in the payment and deposit approval record according to the payment account and the payment amount; and under the condition that account arrival notification information matched with the bill in the payment and verification record is found out, updating the value of an account arrival notification field corresponding to the bill in the payment and verification record according to the account arrival notification information. For example, the ledger notification field includes a traffic flow number field of the ledger notification. In addition, the account receipt notification field can also comprise a bank type field, an account receipt date field and the like.

In the billing statement, the status of the billing record includes: unpaid, paid and paid storage. After a plurality of bills of a payment approval business are registered, the state of the bills using the common account in the bill statement is set to be an unpaid state, and the state of the bills using the temporary deposit account in the bill statement is set to be a paid state. When the account arrival notification is matched with the bill, only the bill which is in an unpaid state in the account arrival notification and the payment and verification record is matched.

Step S504: and under the condition that account arrival notification information matched with the bill in the payment and verification record is found out, updating the value of an account arrival notification field corresponding to the bill in the payment and verification record according to the account arrival notification information.

Wherein the account receipt notification field includes a business flow number of the account receipt notification. In addition, the account receipt notification field may also include fields such as the bank type of the account receipt notification, and the account receipt date.

Optionally, the processing flow of matching the account arrival notification in the embodiment of the present invention further includes: and after the final account-arriving notice is failed to be matched with the bill, recording a matching failure result so as to perform manual matching processing on the account-arriving notice with automatic matching failure in the following process.

In the embodiment of the invention, the automatic matching processing flow of the account arrival notification is realized through the steps, so that the subsequent accumulation fund payment and account entry processing of the bill successfully matched with the account arrival notification is facilitated.

Fig. 6 is a schematic main flow chart of a method for paying the accumulation fund according to a third embodiment of the present invention. As shown in fig. 6, the method for paying the public deposit money according to the embodiment of the present invention includes:

step S601: a timing task is started.

Step S602: and judging whether to start the automatic payment posting function.

For example, in this step, whether to start the payment automatic posting function may be determined according to a pre-configured automatic posting function switch parameter. If the value of the automatic posting function switch parameter is 1, the automatic posting function is started; if the value of the switch parameter of the automatic posting function is 0, the automatic posting function is not started

Executing step S603 when the payment automatic posting function is started; in the case where the payment automatic posting function is not started, step S611 is executed.

Step S603: and acquiring a payment settlement record of a payment unit under a management department.

Illustratively, in step S603, the mechanism level of the accumulation fund center may be traversed. Specifically, each organization includes a plurality of management units, and in step S603, the data of each management unit is traversed to check whether or not there is a remittance approval record under each management unit. If a remittance approval record exists under one management part, obtaining the remittance approval record under the management part; if there is no settlement record under the management department, the process of the accumulation fund settlement under the management department is finished, and the next management department is continuously checked whether there is a settlement record.

When the payment settlement records under the management parts are obtained, the payment settlement records of all payment units under one or more management parts can be obtained at one time and used as the payment settlement records to be processed; alternatively, a specified number of payment approval records under one or more management departments may be obtained at a time and used as the payment approval records to be processed, for example, 500 payment approval records are obtained each time. In addition, during specific implementation, according to business requirements, only the payment approval record with the smallest approved month in all the payment approval records of the payment unit can be obtained, and the payment accounting is not completed across months.

Further, when the payment settlement record under the management part is obtained, the bill state in the payment settlement record is further screened. For example, only the settlement record of the bill status of "unpaid" or "paid" is obtained, and the settlement record of the bill status of "paid" is not obtained. Wherein, the bill status of 'paid' indicates that the payment approval record is processed without processing again.

Step S604: and matching the account arrival notification information with the bill in the remittance approval record.

In the step, the account arrival notification information is inquired from a database table, then the account arrival notification information is matched to a payment unit according to the business classification to which the account arrival notification information belongs, and then the account arrival notification information is matched to a bill in a payment and deposit approval record under the payment unit.

Further, when the traffic of the account-arriving notification is classified as a set, the account-arriving notification can be matched to the bill as follows: firstly, comparing the payment account of the account arrival notice with the pre-registered settlement account of the payment unit, and matching the account arrival notice with the payment unit if the payment account of the account arrival notice is contained in the pre-registered settlement account of the payment unit; then, comparing the payment account of the account arrival notice with the payment account of the bill in the payment approval record under the payment unit, and comparing the account arrival amount of the account arrival notice with the payment amount of the bill; and if the payment account and the account amount of the account-ending notice are consistent with the bill, matching the account-ending notice to the bill. In addition, when a group settlement account is shared by a plurality of sub-units in a group unit, the group settlement account can be distinguished based on the unit account number or the identification code of the recording sub-unit. In addition, after the account arrival notice is matched with the bill, account arrival notice field information such as the account arrival notice business serial number, the bank type and the like corresponding to the bill in the settlement record is updated according to the account arrival notice.

Step S605: and judging whether the type of the remittance approval record is multi-bill payment.

In an alternative example, the type field of the remittance approval record is set in advance in the bill statement. For example, when the type field value of the remittance approval record is 1, the multi-bill payment is represented; and when the type field value of the payment approval record is 2, the bill payment is represented. Further, in this optional example, whether the type of the remittance approval record is the multi-bill payment may be determined according to a value of the type field of the remittance approval record.

In another optional example, whether the type of the remittance approval record is the multi-bill payment is judged by inquiring the number of bills in the remittance approval record. When one remittance approval record comprises a plurality of bills, determining the type of the remittance approval record as multi-bill payment; and when the remittance approval record comprises a bill, determining that the type of the remittance approval record is bill payment.

Executing step S606 under the condition that the type of the payment approval record is multi-bill payment; if the type of the payment approval record is the bill payment, step S610 is executed.

Step S606: and storing the account arrival fund corresponding to the account arrival notification information matched with the bill into the temporary deposit, and setting the bill state of the bill as paid.

In the step, for the bill which is successfully matched with the account arrival notice in the payment approval record, the account arrival fund corresponding to the matched account arrival notice is stored in a temporary deposit account used by a payment unit, and the bill state of the bill in the payment approval record is set as paid. In addition, after the deposit of the temporary deposit is successful, the reservation of the temporary deposit is made, and the reservation number is registered in the corresponding field corresponding to the bill in the bill particulars table. By making a temporary deposit reservation, this portion of the temporary deposit can be frozen, preventing the temporary deposit funds from being used by other transactions.

Step S607: and judging whether all bills in the remittance approval record are in a paid state.

For a remittance approval record, whether all bills in the remittance approval record are in a paid state or not is judged. If all the bills in the remittance approval record are in the paid state, executing step S608; otherwise, step S612 is performed.

Step S608: and judging whether the temporary deposit balance is larger than or equal to the total amount of the payment approval record.

For a remittance approval record, judging whether the balance on the temporary deposit special account is larger than or equal to the total amount of the remittance approval record, namely the remittance approval total amount of the remittance business. Executing step S609 under the condition that the temporary deposit balance is more than or equal to the total amount of the payment approval record; otherwise, step S612 is performed.

Optionally, according to the business requirement, the following business rules may also be followed when performing automatic remittance and posting in the embodiment of the present invention: only automatic payment posting is carried out on the payment approval record which is automatically matched with the account arrival notification, and automatic payment posting processing is not carried out on the payment approval record which is manually matched with the account arrival notification; and automatically remitting and posting the remittance verification records subjected to the current-day account wiping treatment.

The statement erasing process of the bill is briefly described below. In specific implementation, after the payment and billing is completed, or after the billing is completed on part of bills, if it is found that the account is wrongly paid due to account matching errors and the like (for example, the fund of the unit a is matched with the unit B due to the error in account information check, so that the fund is paid into the housing accumulation fund account of the unit B), the account wiping process is required. And after the account wiping treatment, the payment service is recovered to be in an approved state, and the bill corresponding to the payment service is recovered to be in an unpaid state.

Step S609: and finishing the payment and account entry of the public accumulation fund based on the temporary deposit, and setting the bill states of all bills in the payment and approval record as paid bills.

For a remittance approval record, after the deposit of the accumulated fund is finished based on the balance of the temporary deposit special account, the bill states of all bills in the remittance approval record are set as paid. Through maintaining the bill state in the bill statement, the processing efficiency of automatic payment and posting is convenient to improve.

Step S610: and directly completing the payment of the accumulation fund based on the account-arriving fund corresponding to the account-arriving notification information matched with the bill.

For a remittance payment approval record, if the record only contains a bill matched with the account arrival notice, the accumulated fund payment posting can be directly completed based on the account arrival fund corresponding to the bill. And after the accumulation fund is paid and accounts are paid, setting the bill state in the payment and approval record as paid.

Step S611: and (6) ending.

Step S612: and registering a timing task execution result.

In the embodiment of the invention, an account type accumulation fund payment scheme different from the prior art is realized through the steps. The bill type public deposit payment scheme is different from the conventional public deposit payment scheme in both a payment and approval processing flow and an automatic payment and account posting flow after payment and approval. Moreover, compared with the existing accumulation fund payment scheme, the key improvement point is that the system can support one accumulation fund payment service to use a plurality of bank settlement accounts for payment, and after a unit remittance to the settlement accounts, the system can automatically use a plurality of remittance funds to handle the accumulation fund payment service.

In summary, compared with the existing accumulation fund payment scheme, the solution of the accumulation fund bill type payment automatic posting of the invention at least has the following advantages: realizing driving capital through service; one business account corresponds to one account-arriving fund information; redundant unacknowledged account items and temporary deposit account hanging are avoided; the system has the advantages of automatic triggering, automatic checking, automatic matching and automatic handling, the labor cost is low, and the risk of manual misoperation is reduced; the system supports multi-account payment of one accumulation fund service, and gives great flexibility and convenience to the unit operator; each unit manager can split bills according to the actual situation of the unit manager, and the remittance time and the money amount can be controlled by the unit manager.

Fourth embodiment

Fig. 7 is a schematic diagram of main modules of a accumulation fund payment device according to a fourth embodiment of the present invention. As shown in fig. 7, the device 700 for collecting the public deposit in the embodiment of the present invention includes: the system comprises an acquisition module 701, a matching module 702 and a payment and posting module 703.

The obtaining module 701 is configured to obtain a payment approval record to be processed.

Illustratively, the acquisition module 701 may traverse through the organizational hierarchy of the accumulation fund center. Specifically, each organization includes a plurality of management units, and the acquisition module 701 traverses data of each management unit, and checks whether there is a payment approval record under each management unit. If a management department has a payment and storage approval record, acquiring the payment and storage approval record under the management department; if the management department has no payment checking record, the public deposit payment processing flow under the management department is finished, and whether the next management department has the payment checking record or not is continuously checked.

Optionally, when acquiring the payment and deposit approval records under the management department, the acquiring module 701 acquires the payment and deposit approval records of all the payment units under one or more management departments at a time, and uses the payment and deposit approval records as the payment and deposit approval records to be processed; alternatively, a specified number of payment approval records under one or more management departments may also be acquired at a time and used as the payment approval records to be processed, for example, 500 payment approval records are acquired each time.

Optionally, the obtaining module 701 further filters according to the bill status in the payment and storage approval record when obtaining the payment and storage approval record under the management department. For example, only the payment and deposit approval record with the bill status of "unpaid" or "paid" is obtained, and the payment and deposit approval record with the bill status of "paid" is not obtained. Wherein, the bill state is 'paid' which indicates that the payment approval record is processed without processing again.

Optionally, the obtaining module 701 may further perform screening according to whether the service type of the deposit of the public deposit is remittance or reimbursement when obtaining the deposit approval record under the management department. For example, when the accumulated fund is collected, the collected fund verification record under the management part is obtained; and acquiring a compensation approval record under the management part when the public deposit compensation processing is carried out.

And the matching module 702 is configured to match the account arrival notification information with the bill in the payment approval record.

For example, the matching module 702 may query the account arrival notification information from the database table, and then the matching module 702 matches the account arrival notification information to the payment unit according to the service classification to which the account arrival notification information belongs, and then matches the account arrival notification information to the bill in the payment approval record under the payment unit.

As one example, the matching module 702 may set certain filtering conditions when querying account notification information from a database table. For example, the screening conditions are set to: the reception date of the account arrival notification is set to "within 10 days before the server date", the receipt flag of the account arrival notification is set to "collected", the reconciliation status of the account arrival notification is set to "reconciliation failed", the accounting association flag of the account arrival notification is set to "unassociated", and the matching status of the account arrival notification is set to "unmatched or matching failed".

As one example, the business classification of the accumulation fund-to-account notification is divided into an aggregation, a loan, and an unknown depending on the type of the account-specific of the notification. When the service of the account arrival notification is classified as a collection, the matching module 702 matches the account arrival notification to a payment unit, and then matches the account arrival notification to a bill under a payment verification record of the payment unit; when the service classification of the account arrival notification is unknown, the matching module 702 matches the account arrival notification to a payment unit, matches the account arrival notification to an individual, and then matches the account arrival notification to a bill in an individual payment and verification record; when the service of the account arrival notification is classified as a loan, the matching module 702 matches the account arrival notification to the repayment person, and then matches the account arrival notification to the bill in the payment and settlement record of the repayment person.

Further, when the traffic of the account notification is classified as a collection, the matching module 702 can match the account notification to the bill as follows: firstly, comparing the payment account of the account arrival notice with the pre-registered settlement account of the payment unit, and matching the account arrival notice with the payment unit if the payment account of the account arrival notice is contained in the pre-registered settlement account of the payment unit; and then, comparing the payment account and the account amount of the account arrival notice with the bill in the payment approval record under the payment unit, and matching the account arrival notice with the bill if the payment account and the account amount of the account arrival notice are consistent with the bill. In addition, when a group settlement account is shared by a plurality of sub-units in a group unit, the group settlement account can be distinguished based on the unit account number or the identification code of the recording sub-unit.

In an optional example, the accumulation fund payment apparatus 700 of the present invention includes an account arrival notification processing module, configured to receive an account arrival notification file pushed by a settlement system, parse the account arrival notification file to obtain account arrival notification information, and write the account arrival notification information into a database table.

After the unit manager remits the money to the central settlement account, the settlement system of the dwelling part pushes the settlement notice file, and the system receives the settlement notice file pushed by the settlement system. Or initiating online updating through a page, and downloading the required account arrival notification file according to the bank and date range. After receiving the account arrival notification file, the account arrival notification information is parsed from the account arrival notification file, and then the account arrival notification information can be written into data tables such as an account arrival notification table, a bank settlement flow meter, and a bank deposit journal table. In the embodiment of the invention, the automatic processing of the account arrival notification file is realized by setting the account arrival notification processing module, and the account arrival notification information required by the subsequent processing is obtained through the processing, so that the accumulated fund payment processing flow can be realized according to the account arrival notification information in the subsequent process.

Optionally, before writing the account arrival notification information into the database table, the account arrival notification processing module is further configured to: judging whether repeated account arrival notification information exists or not; in the case that repeated account arrival notification information exists, carrying out deduplication processing on the repeated account arrival notification information; and/or judging whether invalid account arrival notification information exists or not; and in the case that invalid account receipt notification information exists, removing the invalid account receipt notification information. In addition, the account-taking file processing module can be also used for recording the processing condition of the account-taking notice file and recording the removed account-taking notice data.

In the embodiment of the invention, the account arrival notification processing module is used for judging whether the data is repeated and whether the data is invalid or not and carrying out corresponding duplication removal processing or invalid data removal processing on the account arrival notification information, so that the calculation amount of subsequent account arrival notification matching processing caused by repeated or invalid data is reduced, and the processing efficiency of automatic account payment and posting of the accumulation fund is improved.

And the payment account-entering module 703 is configured to, in a case that the type of the payment approval record is multi-bill payment, store account-entering funds corresponding to the account-entering notification information matched with the bill into a temporary deposit, and complete the payment account-entering of the public deposit based on the temporary deposit.

Under the condition that the type of one payment approval record is multi-bill payment, the payment account module 703 firstly deposits the account funds corresponding to each bill into the temporary deposit, and after the account funds corresponding to all bills in the payment approval record are deposited into the temporary deposit, the payment account module 703 then performs payment account of the public deposit based on the funds in the temporary deposit. Under the condition that the type of the payment approval record is the single bill payment, the payment posting module 703 can directly complete the deposit posting of the public deposit fund based on the posting funds corresponding to the posting notification information matched with the bill.

In an alternative example, the apparatus of an embodiment of the present invention further includes: the master control management module is used for starting a timing task and confirming that no task record with a first value in an execution state exists in the current timing task tracking table before the account arrival notification information is matched with the bill in the payment and verification record by the matching module; wherein the execution state is a first value indicating that the task is executing.

In this alternative example, considering that the time interval for starting the timing task is fixed and the traffic volume is dynamically changed, there may be a risk that the next timing task is started when the previous timing task is not finished, so that the same service is processed, and in view of this, the alternative example adds an overall control management module for checking whether there is a timing task of an automatic posting type in execution when the timing task is started. As an example, the master control management module queries the timing task tracking table according to the center number, and determines whether a task record with an execution state being a first value exists in the current timing task tracking table according to the query result. Wherein the execution state is a first value indicating that the task is executing.

Further, in the above optional example, the general control management module is further configured to: after confirming that no task record with the execution state of a first value exists in the current timing task tracking table, generating a corresponding task record in the timing task tracking table for the started timing task, and setting the execution state of the corresponding task record as the first value; after the started timing task is executed, setting the execution state of the corresponding task record as a second value; and the execution state is the second value, which indicates that the task is executed completely.

Further, in the above optional example, the general control management module is further configured to: after confirming that a task record with an execution state of a first value exists in a current timing task tracking table, generating a corresponding task record in the timing task tracking table for the started timing task, and setting the execution state of the corresponding task record as a third value; and the execution state is a third value, which indicates that the task fails to be executed.

In the embodiment of the invention, a new accumulation fund payment scheme different from the prior art is realized through the device, the scheme supports a payment unit to use a plurality of accounts to pay an accumulation fund service, so that each unit operator can split bills according to the actual condition of the unit operator, and the remittance time and the money amount can be mastered by the unit operator, thereby giving the great flexibility and convenience to the payment unit. Moreover, the embodiment of the invention improves the automation and intelligentization level of handling the accumulation fund payment service and reduces the error probability of the accumulation fund payment through the steps.

Referring now to FIG. 8, shown is a block diagram of a computer system 800 suitable for use in implementing an electronic device of an embodiment of the present invention. The computer system illustrated in FIG. 8 is only one example and should not impose any limitations on the scope of use or functionality of embodiments of the 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: a processor comprises an acquisition module, a matching module and a payment and posting module. The names of the modules do not form a limitation to the module itself in some cases, and for example, the acquiring module may be further described as a module for acquiring the pending payment approval record.

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 perform the following: matching the account arrival notification information with the bill in the payment and verification record; and under the condition that the type of the payment approval record is multi-bill payment, storing account-arriving funds corresponding to the account-arriving notification information matched with the bill into a temporary deposit, and completing the payment of the public deposit account based on the temporary deposit.

According to the technical scheme of the embodiment of the invention, the public deposit payment processing flow can be automatically, efficiently and flexibly realized, the user is supported to use multiple accounts to pay the public deposit, and the experience of paying the public deposit by the user is improved.

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

1. A method for collecting public accumulation funds is characterized by comprising the following steps:

acquiring a payment and verification record to be processed;

matching the account arrival notification information with the bill in the payment and verification record;

and under the condition that the type of the payment approval record is multi-bill payment, storing account-arriving funds corresponding to the account-arriving notification information matched with the bill into a temporary deposit, and completing the payment of the public deposit account based on the temporary deposit.

2. The method of claim 1, wherein the matching of the account arrival notification information to the bill in the payment approval record comprises:

inquiring account arrival notification information from a database table; and matching the account arrival notification information to a payment unit according to the business classification to which the account arrival notification information belongs, and then matching the account arrival notification information to a bill in a payment verification record under the payment unit.

3. The method of claim 2, wherein the matching the posting notification information to the bill in the payment approval record under the payment unit comprises:

for the bill in the payment and deposit approval record, searching account arrival notification information matched with the bill in the payment and deposit approval record according to the payment account and the payment amount; and under the condition that account arrival notification information matched with the bill in the payment and verification record is found out, updating the value of an account arrival notification field corresponding to the bill in the payment and verification record according to the account arrival notification information.

4. The method of claim 1, wherein prior to matching an account arrival notification message to a bill in the deposit approval record, the method further comprises:

receiving an account arrival notification file pushed by a settlement system, analyzing the account arrival notification file to obtain account arrival notification information, and writing the account arrival notification information into a database table.

5. The method of claim 4, wherein prior to writing the ledger notification information to the database table, the method further comprises:

judging whether repeated account arrival notification information exists or not; in the case that repeated account arrival notification information exists, carrying out deduplication processing on the repeated account arrival notification information; and/or the presence of a gas in the gas,

judging whether invalid account arrival notification information exists or not; and in the case that invalid account receipt notification information exists, removing the invalid account receipt notification information.

6. The method of claim 1, wherein prior to matching an account arrival notification message to a bill in the deposit approval record, the method further comprises:

starting a timing task, and confirming that no task record with an execution state of a first value exists in a current timing task tracking table; wherein the execution state is a first value indicating that the task is executing.

7. The method of claim 6, further comprising:

after confirming that no task record with the execution state of a first value exists in the current timing task tracking table, generating a corresponding task record in the timing task tracking table for the started timing task, and setting the execution state of the corresponding task record as the first value; after the started timing task is executed, setting the execution state of the corresponding task record as a second value; and the execution state is the second value, which indicates that the task is executed completely.

8. The method of claim 6, further comprising:

after confirming that a task record with an execution state of a first value exists in a current timing task tracking table, generating a corresponding task record in the timing task tracking table for the started timing task, and setting the execution state of the corresponding task record as a third value; and the execution state is a third value, which indicates that the task fails to be executed.

9. The method of claim 1, further comprising:

and under the condition that the type of the payment approval record is single bill payment, directly completing the deposit and check-in of the accumulation fund based on the account-reaching fund corresponding to the account-reaching notification information matched with the bill.

10. The method of claim 1, further comprising:

after the account-arriving fund corresponding to the account-arriving notification information matched with the bill is deposited into a temporary deposit, setting the bill state of the bill as paid;

and after the deposit of the public deposit is finished based on the temporary deposit, setting the bill states of all bills in the deposit approval record as the paid bills.

11. The method of claim 1, further comprising:

and before the deposit of the public deposit is finished based on the temporary deposit, confirming that all bills in the deposit approval record are in a paid state, and the balance of the temporary deposit is greater than or equal to the total amount of the deposit approval record.

12. The method of claim 1, wherein the making an entry based on the temporary deposit to complete the accumulation fund comprises:

under the condition that the payment approval record is a payment approval record, completing the payment of the accumulation fund on the basis of the temporary deposit; and under the condition that the payment approval record is the reimbursement approval record, completing the reimbursement posting of the public deposit based on the temporary deposit.

13. The utility deposit payment device is characterized in that the device comprises:

the acquisition module is used for acquiring a payment and verification record to be processed;

the matching module is used for matching the account arrival notification information with the bill in the payment and approval record;

and the payment account-entering module is used for storing account-entering funds corresponding to the account-entering notification information matched with the bill into a temporary deposit under the condition that the type of the payment approval record is multi-bill payment, and completing the payment account-entering of the accumulation fund based on the temporary deposit.

14. The apparatus of claim 13, further comprising:

and the account arrival notification processing module is used for receiving an account arrival notification file pushed by a settlement system, analyzing the account arrival notification file to obtain account arrival notification information, and writing the account arrival notification information into a database table.

15. The apparatus of claim 14, wherein prior to writing the ledger notification information to the database table, the ledger notification processing module is further configured to:

16. The apparatus of claim 14, further comprising:

the master control management module is used for starting a timing task and confirming that no task record with a first value in an execution state exists in the current timing task tracking table before the account arrival notification information is matched with the bill in the payment and verification record by the matching module; wherein the execution state is a first value indicating that the task is executing.

17. The apparatus of claim 16, wherein the general control management module is further configured to:

18. The apparatus of claim 16, wherein the general control management module is further configured to:

19. The apparatus of claim 13, wherein the accounting-based module is further configured to:

20. 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.

21. 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.