CN113935821A

CN113935821A - Method, device, electronic equipment and medium for settling commission charge in banking business

Info

Publication number: CN113935821A
Application number: CN202111081353.5A
Authority: CN
Inventors: 龚勇
Original assignee: Zhongdian Jinxin Software Co Ltd
Current assignee: Zhongdian Jinxin Software Co Ltd
Priority date: 2021-09-15
Filing date: 2021-09-15
Publication date: 2022-01-14

Abstract

The embodiment of the application provides a method, a device, electronic equipment and a medium for settling commission fees in banking affairs, and relates to the technical field of data processing. The method comprises the following steps: receiving a settlement request for a commission charge of a banking service to be settled; the settlement request comprises a service type, bank information and transaction amount; determining a commission charge type according to the service type; determining at least one settlement policy corresponding to the bank information based on the commission fee type; each settlement strategy comprises settlement sub-strategies aiming at different money amounts; selecting a target settlement sub-strategy from the settlement sub-strategies according to the transaction amount; and calculating the commission charge which is required to be charged by the banking business to be settled according to the target settlement operator strategy. The settlement efficiency of the commission fees is effectively improved.

Description

Method, device, electronic equipment and medium for settling commission charge in banking business

Technical Field

The present application relates to the field of data processing technologies, and in particular, to a method, an apparatus, an electronic device, and a medium for settling commission fees in banking affairs.

Background

The business settlement refers to the calculation and transfer of member transaction deposit, profit and loss, commission, payment for delivery and other related items according to the transaction result and the related rules of the exchange. During the course of a business activity, the calculation of various business money is often involved. Taking banking business as an example, bank settlement refers to the action of receiving and paying by fund transfer of bank accounts, namely, a bank accepts client entrusted collection and payment, transfers money from a payment unit deposit account to a collection unit deposit account, and accordingly completes settlement of debt and debt among economy or transfer of funds.

In bank settlement, it is usually the case that various additional fees are collected, such as transfer fees, remittance fees, etc., and it is usually the case that the staff selects the corresponding charging policy based on experience to complete the collection of the fees. In the prior art, bank staff can only calculate the commission charge according to the charging strategy of the bank, cannot settle the commission charge of other banks together, and has the problem of low efficiency of commission charge settlement.

Disclosure of Invention

The embodiment of the application provides a method and a device for settling commission charge in banking affairs, electronic equipment and a computer-readable storage medium, and can solve the problem of low efficiency of settlement of the commission charge. The technical scheme is as follows:

according to an aspect of an embodiment of the present application, there is provided a method for settling a commission fee in a banking business, the method including:

receiving a settlement request for a commission charge of a banking service to be settled; the settlement request comprises a service type, bank information and transaction amount;

determining a commission charge type according to the service type;

determining at least one settlement policy corresponding to the bank information based on the commission fee type; each settlement strategy comprises settlement sub-strategies aiming at different money amounts;

selecting a target settlement sub-strategy from the settlement sub-strategies according to the transaction amount;

and calculating the commission charge which is required to be charged by the banking business to be settled according to the target settlement operator strategy.

Optionally, the determining at least one settlement policy corresponding to the bank information based on the commission fee type includes:

when the charge-out bank information and the charge-in bank information respectively correspond to a settlement strategy associated with the commission charge type, taking the settlement strategy respectively corresponding to the charge-out bank information and the charge-in bank information as the settlement strategy;

when the charge-out bank information corresponds to a settlement strategy associated with the commission charge type and the charge-in bank information does not correspond to a settlement strategy associated with the commission charge type, taking the settlement strategy corresponding to the charge-out bank information as a settlement strategy;

and when the accounting-in bank information corresponds to the settlement strategy associated with the commission charge type and the accounting-out bank information does not correspond to the settlement strategy associated with the commission charge type, taking the settlement strategy corresponding to the accounting-in bank information as the settlement strategy.

Optionally, the selecting a target settlement sub-policy from the settlement sub-policies according to the transaction amount, where the ending sub-policy corresponds to the amount interval, includes:

and finding out a target amount interval comprising the transaction amount from the amount interval, and taking a settlement sub-strategy corresponding to the target amount interval as a target settlement sub-strategy.

Optionally, the calculating according to the target closing sub-policy to obtain the commission charge that the banking service to be settled should charge includes:

when the target closing operator strategy representation is in a calculation mode according to the fee ratio, calculating to obtain the commission charge which is required to be charged by the banking business to be settled according to the transaction amount and the fee ratio;

and when the target ending operator strategy representation is in a calculation mode of fixed cost, taking the fixed cost as a commission charge which is required to be charged by the banking business to be settled.

Optionally, the settlement request further includes a service object, and the calculating according to the target settlement operator policy obtains a commission charge to be charged by the banking service to be settled, including:

inquiring whether the settlement strategy comprises preferential data aiming at the business object;

when the settlement strategy does not contain preferential data, calculating according to the target settlement strategy to obtain commission charge;

and when the settlement strategy contains the preferential data, calculating to obtain the commission charge according to the preferential data and the target settlement strategy.

Optionally, the obtaining of the commission fees according to the discount data and the target ending operator strategy includes:

calculating to obtain preferential front handling charge based on the target operator settlement strategy and the transaction amount;

when the discount data is discount rate, determining the commission charge based on the product of the discount rate and the commission pre-commission charge;

and when the discount data is the discount amount, determining the commission charge based on the difference value between the commission charge before the discount and the discount amount.

Optionally, the method further includes:

when the settlement strategy of the commission charge corresponds to the information of the charge-out bank and the business object has at least two account numbers in the charge-out bank, carrying out payment processing of the commission charge based on a first account number selected by the user;

and when the settlement strategy of the commission charge corresponds to the information of the entry bank and the business object has at least two account numbers in the entry bank, carrying out payment processing of the commission charge based on the second account number selected by the user.

According to another aspect of the embodiments of the present application, there is provided an apparatus for settling commission fees in banking affairs, the apparatus including:

the receiving module is used for receiving a settlement request aiming at the commission charge of the banking business to be settled; the settlement request comprises a service type, bank information and transaction amount;

the first determining module is used for determining the handling fee type according to the service type;

the second determining module is used for determining at least one settlement strategy corresponding to the bank information based on the commission fee type; each settlement strategy comprises settlement sub-strategies aiming at different money amounts;

the selection module is used for selecting a target settlement sub-strategy from the settlement sub-strategies according to the transaction amount;

and the calculating module is used for calculating and obtaining the commission charge which is required to be charged by the banking business to be settled according to the target settlement sub-strategy.

Optionally, the banking information includes entry banking information and exit banking information, and the second determining module is configured to:

Optionally, the operator ending strategy corresponds to an amount interval, and the selecting module is configured to:

Optionally, the calculating module is configured to:

Optionally, the settlement request further includes a service object, and the calculation module includes:

the query unit is used for querying whether the settlement strategy comprises the preferential data aiming at the business object;

the first calculation unit is used for calculating to obtain the commission charge according to the target settlement strategy when the settlement strategy does not contain the preferential data;

and the second calculating unit is used for calculating to obtain the commission charge according to the discount data and the target settlement operator strategy when the settlement strategy contains the discount data.

Optionally, the second calculating unit is configured to:

Optionally, the apparatus further comprises a payment module configured to:

According to another aspect of an embodiment of the present application, there is provided an electronic apparatus including:

the device comprises a memory, a processor and a computer program stored on the memory, wherein the processor executes the computer program to realize the steps of the method shown in the first aspect of the embodiment of the application.

According to a further aspect of embodiments of the present application, there is provided a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the method as set forth in the first aspect of embodiments of the present application.

According to an aspect of embodiments of the present application, there is provided a computer program product comprising a computer program that, when executed by a processor, performs the steps of the method illustrated in the first aspect of embodiments of the present application.

The technical scheme provided by the embodiment of the application has the following beneficial effects:

the method comprises the steps of decomposing information of a settlement request to obtain a service type, bank information and transaction amount, determining a commission type based on the service type, determining at least one settlement strategy based on the commission type and the bank information, and determining a target settlement strategy based on the transaction amount so as to realize settlement of commission fees which should be charged by banking services; by decomposing and confirming the settlement request layer by layer, comprehensive settlement of the commission fees of different banks can be realized, and compared with the prior art that settlement can be performed only for the commission fees of a single bank when the commission fees are calculated, the commission fees settlement efficiency in the embodiment of the application is higher. When one business relates to procedures of a plurality of banks, the user does not need to submit settlement requests repeatedly, so that the settlement cost of the user is saved, and the user experience is improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings used in the description of the embodiments of the present application will be briefly described below.

Fig. 1 is a schematic view of an application scenario of a method for settling commission fees in banking affairs according to an embodiment of the present application;

FIG. 2 is a schematic flow chart illustrating a method for settling commission fees in banking affairs according to an embodiment of the present application;

FIG. 3 is a schematic diagram of an interactive interface in a method for settling commission fees in banking affairs according to an embodiment of the present application;

FIG. 4 is a schematic flow chart illustrating the process of calculating the commission fee in the method for settling the commission fee in the banking business according to the embodiment of the present application;

FIG. 5 is a flowchart illustrating an exemplary method for settling commission fees in banking transactions, according to an embodiment of the present application

FIG. 6 is a schematic structural diagram of an apparatus for settling commission fees in banking affairs according to an embodiment of the present application;

fig. 7 is a schematic structural diagram of an electronic device for settling commission fees in banking affairs according to an embodiment of the present application.

Detailed Description

Embodiments of the present application are described below in conjunction with the drawings in the present application. It should be understood that the embodiments set forth below in connection with the drawings are exemplary descriptions for explaining technical solutions of the embodiments of the present application, and do not limit the technical solutions of the embodiments of the present application.

As used herein, the singular forms "a", "an", "the" and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should be further understood that the terms "comprises" and/or "comprising," when used in this specification in connection with embodiments of the present application, specify the presence of stated features, information, data, steps, operations, elements, and/or components, but do not preclude the presence or addition of other features, information, data, steps, operations, elements, components, and/or groups thereof, as embodied in the art. It will be understood that when an element is referred to as being "connected" or "coupled" to another element, it can be directly connected or coupled to the other element or intervening elements may be present. Further, "connected" or "coupled" as used herein may include wirelessly connected or wirelessly coupled. The term "and/or" as used herein indicates at least one of the items defined by the term, e.g., "a and/or B" indicates either an implementation as "a", or an implementation as "a and B".

To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.

The bank settlement refers to the action of receiving and paying by the fund transfer of bank accounts, namely, the bank accepts the client to entrust to receive and pay instead, transfers money from the deposit account of the payment unit to the deposit account of the collection unit, and accordingly completes the clearing of debt and debt among the economy or the transfer of funds. Bank settlement is a medium for commodity exchange and is a medium for clearing funds in social and economic activities. The domestic bank settlement modes mainly include bank draft, commercial draft, bank note, check, remittance, consignment collection, collection and payment acceptance, credit card and credit card, etc.

The expense income in the settlement system of the bank is one of main sources of income of intermediate business of the bank, and mainly comprises three major categories of fees, such as handling fees, quick mailing fees, telegraph fees and the like, each major category of the fees is divided into a plurality of detailed categories of the fees, and the fees are collected in a plurality of business transaction scenes in a scattered manner. Different cost standards and preferential standards are set under different service varieties, customers, channels and other dimensions aiming at each cost category, and the related cost calculation logic, interface display and user interaction process are very complex.

In the prior art, the calculation of the procedure charge can only be performed for the procedure charge of a single bank, namely the bank, but the bank settlement generally relates to the situation of collecting additional procedure charges of multiple banks, for example, transfer accounts, remittance and the like can cause the situation that both a collection bank and a payment bank need to collect the procedure charge, bank workers can only calculate the procedure charge according to the charging strategy of the bank, but the charge collecting modes and specific amounts of different banks are different, the existing procedure charge settlement mode cannot perform settlement on the procedure charges of other banks together, and the problem of low procedure charge settlement efficiency exists.

The application provides a method, a device, an electronic device and a computer readable storage medium for settling commission fees in banking business, which aim to solve the above technical problems in the prior art.

The embodiment of the application provides a method for settling the commission charge in banking affairs, and the method can realize comprehensive settlement of the commission charge of different banks through decomposing and confirming a settlement request layer by a terminal or a server. When one service relates to the commission charge collection of a plurality of banks, the terminal or the server does not need to repeatedly submit settlement requests to the plurality of banks, so that the technical scheme of the embodiment of the application can achieve the effects of improving the commission charge settlement efficiency and improving the user experience.

The technical solutions of the embodiments of the present application and the technical effects produced by the technical solutions of the present application will be described below through descriptions of several exemplary embodiments. It should be noted that the following embodiments may be referred to, referred to or combined with each other, and the description of the same terms, similar features, similar implementation steps and the like in different embodiments is not repeated.

As shown in fig. 1, the method for settling the commission fees in the banking business of the present application can be applied to the scenario shown in fig. 1, specifically, the server 102 receives a settlement request for the commission fees of the banking business to be settled sent by the terminal 101, and calculates the commission fees to be charged by the banking business to be settled based on information included in the settlement request, so as to settle the banking business to be settled.

In the scenario shown in fig. 1, the method for settling the commission fees in the banking business may be performed in the server, or in another scenario, may be performed in the terminal.

Those skilled in the art will understand that the "terminal" used herein may be a Mobile phone, a tablet computer, a PDA (Personal Digital Assistant), an MID (Mobile Internet Device), etc.; a "server" may be implemented as a stand-alone server or as a server cluster comprised of multiple servers.

The embodiment of the present application provides a method for settling commission fees in banking affairs, as shown in fig. 2, the method includes:

s201, receiving a settlement request aiming at the commission charge of the banking business to be settled; the settlement request comprises the service type, the bank information and the transaction amount.

In the embodiment of the application, the banking business to be settled can be the banking business which does not settle the renewal fee; the settlement request may include service attribute information related to the banking service to be settled, such as a service type, banking information, a transaction amount, a service object, a transaction number, a transaction currency, a transaction date, and the like.

The settlement request may be sent by a user based on an external device such as a mouse, a keyboard, or a touch screen, and is used to instruct the user to calculate the commission charge of the banking service to be settled.

In some embodiments, at least one of interface element assemblies such as a text input box, a text selection box, a text control, a button and the like can be displayed on a preset interactive interface, and then a settlement request is generated based on a triggering operation of a user on the interface element assembly so as to indicate that the commission charge of the banking business to be settled is calculated; wherein the triggering operation of the user may comprise at least one of:

dragging or moving the interface element component to an operation within a preset range of the current interface;

clicking operation aiming at the interface element component;

and inputting the identification of the interface element component in the preset input control.

In practical application, as shown in fig. 3, a plurality of text input boxes may be displayed on a preset interactive interface, each text input box is correspondingly provided with a text control, and a title corresponding to the text control may include "transaction number", "service type", "bank information", "transaction amount", "service object", "transaction currency", "transaction date", and the like; and responding to the text value corresponding to the title input by the user in the text input box to generate a settlement request for the commission charge of the banking business to be settled. For example, if the text value corresponding to the "transaction number" text control is "0001" and the text value corresponding to the "transaction type" text control is "transfer," a settlement request for a commission fee for the transfer service numbered "0001" may be obtained.

And S202, determining the handling fee type according to the service type.

Specifically, the correspondence between the service type and the commission fee type may be pre-constructed, and then the commission fee type is determined according to the service type based on the correspondence.

The service types may include transfer service and remittance service, among others. And when the service type is transfer service, the corresponding commission charge type is transfer commission charge, and when the service type is remittance service, the corresponding commission charge type is remittance commission charge.

S203, determining at least one settlement strategy corresponding to the bank information based on the commission charge type; each settlement policy includes a settlement sub-policy for a different amount.

Wherein the settlement policy can be used to calculate the commission fees for the banking business to be settled.

In some embodiments, each settlement policy may include corresponding configuration information and settlement sub-policies for different amounts; the configuration information may include corresponding commission type identifier, bank identifier, etc.

Specifically, the commission type and the bank information may be determined according to the settlement request, and then at least one final settlement policy may be determined from the plurality of preset settlement policies based on the corresponding relationship between the commission type and the bank information and the configuration information of each preset settlement policy. The corresponding relationship may include a matching relationship, the commission type and the bank information may be matched with configuration information of each preset settlement policy, and the preset settlement policy corresponding to the configuration information having the matching relationship with the commission type and the bank information may be used as the final at least one settlement policy.

In this embodiment of the application, the judgment criteria for matching the commission fee type and the bank information with the configuration information may include: and if the commission type is consistent with the commission type identifier in the configuration information and the bank information is consistent with the bank identifier in the configuration information, the commission type and the bank information are considered to be matched with the configuration information of the preset settlement strategy. In practical application, the matched judgment standard can be changed according to different service requirements.

In an example, specifically describing the type of the commission as a remittance commission and the bank information as a bank a, the preset settlement policy may include a policy X, a policy Y and a policy Z, where configuration information corresponding to the policy X is "transfer commission and bank a", configuration information corresponding to the policy Y is "remittance commission and bank a", and configuration information corresponding to the policy Z is "transfer commission and bank B". Matching can be carried out on the basis of the type of the commission fee and the bank information and fields in the configuration information of each strategy to obtain that the configuration information of remittance commission fee and bank A is matched with the commission fee type and the bank information in the settlement request, and then the strategy Y corresponding to the configuration information can be used as a settlement strategy.

In other embodiments, the commission type and bank information may be determined from the settlement request; the bank information may include posting bank information and posting bank information; the matched at least one settlement policy can be queried from preset settlement policies corresponding to the charge-out bank information and the charge-in bank information respectively based on the commission fee type, and a specific query process will be described in detail below.

And S204, selecting a target closing sub-strategy from the closing sub-strategies according to the transaction amount.

Specifically, each settlement sub-policy may correspond to an amount interval, and the target settlement sub-policy may be determined based on a matching relationship between the amount interval and the transaction amount. The amount intervals corresponding to the settlement sub-policies included in each settlement policy may not overlap with each other.

In an example, taking the type of the commission as a remittance commission, the bank information as a bank a, and the transfer amount as 800 money a as an example for specific description, the preset settlement policy may include a policy X, a policy Y, and a policy Z, where configuration information corresponding to the policy X is "transfer commission, bank a", configuration information corresponding to the policy Y is "remittance commission, bank a", and configuration information corresponding to the policy Z is "transfer commission, bank B". Matching can be carried out on the basis of the type of the commission fee and the bank information and fields in the configuration information of each strategy to obtain that the configuration information of remittance commission fee and bank A is matched with the commission fee type and the bank information in the settlement request, and then the strategy Y corresponding to the configuration information can be used as a settlement strategy. The strategy Y can comprise two settlement sub-strategies, the amount interval corresponding to the sub-strategy 1 is less than or equal to 500 currency A, the amount interval corresponding to the sub-strategy 2 is greater than 500 currency A, then the transfer amount 800 currency A can be determined to be matched with the amount interval of the sub-strategy 2, and the sub-strategy 2 can be used as a target settlement sub-strategy.

S205, calculating the commission charge which should be charged by the banking business to be settled according to the target settlement operator strategy.

The settlement sub-strategy can represent the charging mode of the commission charge to be settled in the banking business. For example, the fee may be collected in a fixed manner, i.e., a fixed fee is collected for a banking transaction, or in a rate collection manner, i.e., a fee is collected at a specified rate for a banking transaction.

Specifically, the commission charge to be charged by the banking service to be settled can be calculated and obtained based on the charging mode represented by the settlement sub-policy, and the method can include the following two commission charge calculation methods:

when the charging mode of the commission charge of the target settlement operator strategy is a fixed charging mode, the fixed commission charge of the target settlement operator strategy is used as the commission charge which is required to be charged by the bank service to be settled; for example, the fixed commission may be 20 currency A, and the commission for the banking transaction to be settled is 20 currency A.

And when the procedure mode of the procedure fee of the target closing operator strategy is a mode of collecting according to the ratio, acquiring the transaction amount of the banking business to be settled, and determining the procedure fee to be collected by the banking business to be settled based on the procedure fee ratio of the target closing operator strategy and the transaction amount. Specifically, the transaction amount may be multiplied by the commission charge collection ratio to obtain the commission charge corresponding to the banking service to be settled. For example, when the transaction amount is 800 money A and the proportion of the commission charge is 5%, the commission charge corresponding to the banking service to be settled can be calculated to be 40 money A.

A possible implementation manner is provided in the embodiment of the present application, where the banking information includes entry banking information and exit banking information, and the determining, based on the commission fee type in step S203, at least one settlement policy corresponding to the banking information includes:

(1) and when the charge-out bank information and the charge-in bank information respectively correspond to the settlement strategies associated with the commission charge types, taking the settlement strategies corresponding to the charge-out bank information and the charge-in bank information respectively as the settlement strategies.

Each settlement policy may include corresponding configuration information, and the configuration information may include a corresponding commission type identifier, a bank identifier, and the like. Specifically, it may be queried in configuration information of each preset settlement policy whether the identifier of the outbound bank, the identifier of the inbound bank, and the identifier of the commission charge type exist; and when the identification of the expenditure bank, the identification of the entry bank and the identification of the commission charge type are inquired, judging that the expenditure bank information and the entry bank information respectively correspond to settlement strategies associated with the commission charge type, and taking the settlement strategies respectively corresponding to the expenditure bank information and the entry bank information as settlement strategies.

(2) And when the charge-out bank information corresponds to the settlement strategy associated with the commission charge type and the charge-in bank information does not correspond to the settlement strategy associated with the commission charge type, taking the settlement strategy corresponding to the charge-out bank information as the settlement strategy.

Each settlement policy may include corresponding configuration information, and the configuration information may include a corresponding commission type identifier, a bank identifier, and the like. Specifically, it may be queried in configuration information of each preset settlement policy whether the identifier of the outbound bank, the identifier of the inbound bank, and the identifier of the commission charge type exist; and when only the identification of the charge-out bank and the identification of the commission charge type are inquired, the charge-out bank information corresponds to a settlement strategy associated with the commission charge type, and the charge-in bank information does not correspond to a settlement strategy associated with the commission charge type, and the settlement strategy corresponding to the charge-out bank information is taken as the settlement strategy.

(3) And when the accounting-in bank information corresponds to the settlement strategy associated with the commission charge type and the accounting-out bank information does not correspond to the settlement strategy associated with the commission charge type, taking the settlement strategy corresponding to the accounting-in bank information as the settlement strategy.

Each settlement policy may include corresponding configuration information, and the configuration information may include a corresponding commission type identifier, a bank identifier, and the like. Specifically, it may be queried in configuration information of each preset settlement policy whether the identifier of the outbound bank, the identifier of the inbound bank, and the identifier of the commission charge type exist; when only the identification of the entry bank and the identification of the commission charge type are inquired, the entry bank information corresponds to a settlement strategy associated with the commission charge type, the out-of-account bank information does not correspond to a settlement strategy associated with the commission charge type, and the settlement strategy corresponding to the entry bank information is used as a settlement strategy.

In an example, taking the type of the commission as the remittance commission and the bank information as the bank a and the bank B as an example for specific description, the preset settlement policy may include a policy X, a policy Y and a policy Z, where configuration information corresponding to the policy X is "transfer commission and bank a", configuration information corresponding to the policy Y is "remittance commission and bank a", and configuration information corresponding to the policy Z is "remittance commission and bank B". Matching can be carried out on the basis of the type of the commission fee and the bank information and fields in the configuration information of each strategy to obtain that the configuration information of remittance commission, bank A and configuration information of remittance commission and bank B is matched with the commission fee type and the bank information in the settlement request, and then the strategy Y and the strategy Z corresponding to the configuration information can be used as the settlement strategy.

In practical application, the explanation is given by taking an example that a user remits money from an account of a bank A to an account of a bank B, when the bank A and the bank B are non-associated banks (such as different-place cross-bank), both the outbound bank A and the inbound bank B need to charge corresponding commission fees; when the bank a and the bank B are related banks (such as a different place parallel), one of the outbound bank a and the inbound bank B may charge a fee, and the specific charging condition may be determined according to the actual application.

The embodiment of the application fully considers the settlement rules of a plurality of banks, can determine at least one settlement strategy based on the type of the commission and the bank information, and can carry out comprehensive settlement of the commission according to different bank information when one banking business relates to the commission of the plurality of banks because the settlement strategies of each bank are different, thereby improving the settlement efficiency of the commission.

In an embodiment of the present application, a possible implementation manner is provided, where the ending sub-policy corresponds to an amount interval, and the selecting a target settlement sub-policy from the settlement sub-policies according to the transaction amount in step S204 includes:

Specifically, the transaction amount may be matched with each amount interval, and the target amount interval including the transaction amount is found from each amount interval, so that the transaction amount may be determined to be matched with the target amount interval, and the settlement sub-policy corresponding to the target amount interval may be used as the target settlement sub-policy.

In the embodiment of the present application, the specific description is given by taking the type of the commission as the remittance commission, the bank information as the bank a, and the transfer amount as the 800 money a as an example, and the preset settlement policy may include a policy X, a policy Y, and a policy Z, where configuration information corresponding to the policy X is "transfer commission, bank a", configuration information corresponding to the policy Y is "remittance commission, bank a", and configuration information corresponding to the policy Z is "transfer commission, bank B". Matching can be carried out on the basis of the type of the commission fee and the bank information and fields in the configuration information of each strategy to obtain that the configuration information of remittance commission fee and bank A is matched with the commission fee type and the bank information in the settlement request, and then the strategy Y corresponding to the configuration information can be used as a settlement strategy. The strategy Y can comprise two settlement sub-strategies, the amount interval corresponding to the sub-strategy 1 is less than or equal to 500 currency A, the amount interval corresponding to the sub-strategy 2 is greater than 500 currency A, then the transfer amount 800 currency A can be determined to be matched with the amount interval of the sub-strategy 2, and the sub-strategy 2 can be used as a target settlement sub-strategy.

In the embodiment of the present application, a possible implementation manner is provided, where the calculating of the commission charge to be collected by the banking service to be settled according to the target settlement sub-policy in step S205 includes:

(1) and when the target closing sub-strategy representation is in a calculation mode according to the fee ratio, calculating to obtain the commission charge which is required to be charged by the banking business to be settled according to the transaction amount and the fee ratio.

In the embodiment of the application, the transaction amount can be multiplied by the rate of the commission fee to obtain the commission fee corresponding to the banking business to be settled. For example, when the transaction amount is 800 money A and the proportion of the commission charge is 5%, the commission charge corresponding to the banking service to be settled can be calculated to be 40 money A.

(2) And when the target ending operator strategy representation is in a calculation mode of fixed cost, taking the fixed cost as a commission charge which is required to be charged by the banking business to be settled.

In the embodiment of the present application, for example, the fixed commission may be 20 currency nails, and the commission of the banking service to be settled is 20 currency nails.

In the embodiment of the present application, a possible implementation manner is provided, as shown in fig. 4, where the settlement request further includes a service object, and the calculating of the commission charge to be charged by the banking service to be settled according to the target settlement sub-policy in step S205 includes:

(1) querying whether the settlement policy includes offer data for the business object.

Wherein, each settlement policy may include corresponding configuration information and settlement sub-policies for different amounts; the configuration information may include corresponding commission type identifier, bank identifier, preference identifier, etc.

The business object can be a user who requests to settle the commission charge in the banking business, and the business object can be any party participating in the banking business to be settled. Taking the example that the banking business is a money transfer business, the business object can be a money sender or a money receiver.

Specifically, the query may be performed in a preset discount database based on the discount identifier, and when a discount scheme matching the discount identifier and the service object identifier exists in the discount database, the discount data for the service object is acquired; and when no discount scheme matched with the discount identifier and the service object identifier exists in the discount database, the settlement strategy does not have a discount scheme aiming at the service object.

(2) And when the settlement strategy does not contain the preferential data, calculating according to the target settlement strategy to obtain the commission charge.

In the embodiment of the application, the inquiry is carried out in the preset discount database based on the discount identifier, and when no discount scheme matched with the discount identifier and the service object identifier exists in the discount database, the settlement strategy does not have the discount scheme aiming at the service object. At this time, the settlement strategy does not contain preferential data, and only the commission charge needs to be calculated according to the target settlement strategy.

(3) And when the settlement strategy contains the preferential data, calculating to obtain the commission charge according to the preferential data and the target settlement strategy.

In the embodiment of the application, the inquiry is carried out in the preset discount database based on the discount identifier, and when the discount database has a discount scheme matched with the discount identifier and the business object identifier, the discount data aiming at the business object is obtained.

Specifically, calculation can be performed simultaneously according to the discount data and the target closing operator strategy to obtain the preferential commission charge;

or, the preferential premiums can be calculated according to the target ending operator strategy, and then the preferential premiums can be calculated based on the preferential data and the receivable premiums. The specific benefit calculation process will be described in detail below.

The embodiment of the present application provides a possible implementation manner, where the calculating to obtain the commission fee according to the discount data and the target ending operator policy includes:

a. and calculating to obtain the preferential forehand charge based on the target operator ending strategy and the transaction amount.

The calculation process of the commission fees is the same as the above steps S201 to S205, and is not described herein again. The discount data can be direct discount amount, discount rate or discount amount corresponding to the pre-preferential fee.

In the embodiment of the application, when the offer data is the pre-offer amount corresponding to the pre-offer fee, a corresponding relationship between the pre-offer fee and the post-offer amount may be preset, and then the post-offer amount is obtained as the final fee based on the corresponding relationship.

b. When the discount data is the discount rate, the commission charge is determined based on the product of the discount rate and the commission pre-commission charge.

In the embodiment of the application, when the discount data is the discount rate, the product of the discount rate and the pre-discount commission charge can be calculated to obtain the discount amount, and then the final commission charge can be obtained by subtracting the discount amount from the pre-discount commission charge. For example, when the pre-offer amount is 20 money items and the discount rate is 20%, the final commission fee can be calculated to be 16 money items.

c. And when the discount data is the discount amount, determining the commission charge based on the difference value between the commission charge before the discount and the discount amount.

In the embodiment of the application, when the discount data is the discount amount, the discount amount is directly subtracted from the pre-discount amount. For example, when the pre-offer amount is 20 money A and the discount amount is 5 money A, the final determined commission fee can be calculated to be 15 money A.

In practical application, the offer data may also be an after-offer amount corresponding to a pre-offer commission. When the offer data is the pre-offer amount corresponding to the pre-offer fee, the corresponding relationship between the pre-offer fee and the post-offer amount can be preset, and then the post-offer amount is obtained as the final fee based on the corresponding relationship. In this embodiment, the amount of money after the discount may be temporarily set by a bank worker, or may be obtained by pre-calculating according to a discount policy of a bank, which is not specifically limited in this application.

In the embodiment of the application, the commission charge after the discount can be obtained based on different discount data, and the flexibility and convenience in the bank business settlement process are greatly improved. The user does not need to communicate with bank staff repeatedly, and the commission charge of the banking business to be settled can be automatically calculated only by sending a settlement request according to actual requirements, so that the user experience is effectively improved.

The embodiment of the present application provides a possible implementation manner, and the method for settling commission fees in banking business further includes:

(1) and when the settlement strategy of the commission charge corresponds to the information of the charge-out bank and the business object has at least two account numbers in the charge-out bank, carrying out payment processing of the commission charge based on the first account number selected by the user.

(2) And when the settlement strategy of the commission charge corresponds to the information of the entry bank and the business object has at least two account numbers in the entry bank, carrying out payment processing of the commission charge based on the second account number selected by the user.

In this embodiment, when the service object pays the commission charge of the bank a, the bank a may deduct the commission charge based on a default account, where the default account may be an account participating in the banking service to be settled, or may be a user-defined priority account. When the business object has at least two account numbers in the bank A, the user can change the default account number in the settlement process, and the flexibility and the convenience of the user in the process of settlement of the renewal fee of the opponent are further improved.

In order to better understand the method for settling the commission fees in the banking business, an example of the method for settling the commission fees in the banking business of the present application is described in detail below with reference to fig. 5, and includes the following steps:

s501, receiving a settlement request of commission charge of the banking business to be settled; the settlement request comprises the service type, the bank information and the transaction amount.

The banking business to be settled can be the banking business which does not settle the renewal fee; the settlement request may be sent by a user based on an external device such as a mouse, a keyboard, or a touch screen, and is used to instruct to calculate the commission charge of the banking service to be settled.

And S502, determining the handling fee type according to the service type.

S503, determining at least one settlement strategy corresponding to the bank information based on the commission charge type; each settlement policy includes a settlement sub-policy for a different amount.

S504, the operator closing strategy corresponds to the money amount interval, a target money amount interval including the transaction money amount is found out from the money amount interval, and the settlement sub-strategy corresponding to the target money amount interval is used as the target operator closing strategy.

And S505, inquiring whether the settlement strategy comprises preferential data aiming at the business object.

Wherein each settlement policy may include a corresponding offer identifier.

Specifically, the query may be performed in a preset benefit database based on the benefit identifier, and when a benefit scheme matching the benefit identifier and the service object identifier exists in the benefit database, the benefit data for the service object is acquired.

S506, when the settlement strategy does not contain the preferential data, calculating according to the target settlement strategy to obtain the commission charge; and when the settlement strategy contains the preferential data, calculating to obtain the commission charge according to the preferential data and the target settlement strategy.

Specifically, the preferential premiums can be calculated according to the target closing operator strategy, and then the preferential premiums can be calculated based on the preferential data and the receivable premiums.

The embodiment of the present application provides an apparatus for settling commission charge in banking affairs, as shown in fig. 6, the apparatus 60 for settling commission charge in banking affairs may include: a receiving module 601, a first determining module 602, a second determining module 603, a selecting module 604 and a calculating module 605;

the receiving module 601 is configured to receive a settlement request for a commission charge of a banking service to be settled; the settlement request comprises a service type, bank information and transaction amount;

a first determining module 602, configured to determine a commission type according to a service type;

a second determining module 603, configured to determine at least one settlement policy corresponding to the bank information based on the commission fee type; each settlement strategy comprises settlement sub-strategies aiming at different money amounts;

a selecting module 604 for selecting a target settlement sub-policy from the settlement sub-policies according to the transaction amount;

and the calculating module 605 is configured to calculate, according to the target settlement sub-policy, a commission charge that should be charged by the banking service to be settled.

A possible implementation manner is provided in the embodiment of the present application, where the bank information includes entry bank information and exit bank information, and the second determining module 603 is configured to:

In an embodiment of the present application, a possible implementation manner is provided, where the operator ending policy corresponds to an amount interval, and the selecting module 604 is configured to:

In an embodiment of the present application, a possible implementation manner is provided, and the calculating module 605 is configured to:

A possible implementation manner is provided in this embodiment of the present application, where the settlement request further includes a service object, and the calculating module 605 includes:

In an embodiment of the present application, a possible implementation manner is provided, where the second calculating unit is configured to:

A possible implementation manner is provided in the embodiment of the present application, and the apparatus further includes a payment module, configured to:

The apparatus of the embodiment of the present application may execute the method provided by the embodiment of the present application, and the implementation principle is similar, the actions executed by the modules in the apparatus of the embodiments of the present application correspond to the steps in the method of the embodiments of the present application, and for the detailed functional description of the modules of the apparatus, reference may be specifically made to the description in the corresponding method shown in the foregoing, and details are not repeated here.

The embodiment of the application provides an electronic device, which comprises a memory, a processor and a computer program stored on the memory, wherein the processor executes the computer program to realize the steps of the method for settling the commission fees in the banking business, compared with the prior art, the method can realize the following steps: the method comprises the steps of decomposing information of a settlement request to obtain a service type, bank information and transaction amount, determining a commission type based on the service type, determining at least one settlement strategy based on the commission type and the bank information, and determining a target settlement strategy based on the transaction amount so as to realize settlement of commission fees which should be charged by banking services; by decomposing and confirming the settlement request layer by layer, comprehensive settlement of the commission fees of different banks can be realized, and compared with the prior art that settlement can be performed only for the commission fees of a single bank when the commission fees are calculated, the commission fees settlement efficiency in the embodiment of the application is higher. When one business relates to procedures of a plurality of banks, the user does not need to submit settlement requests repeatedly, so that the settlement cost of the user is saved, and the user experience is improved.

In an alternative embodiment, an electronic device is provided, as shown in fig. 7, the electronic device 70 shown in fig. 7 comprising: a processor 701 and a memory 703. The processor 701 is coupled to a memory 703, such as via a bus 702. Optionally, the electronic device 700 may further include a transceiver 704, and the transceiver 704 may be used for data interaction between the electronic device and other electronic devices, such as transmission of data and/or reception of data. It should be noted that the transceiver 704 is not limited to one in practical applications, and the structure of the electronic device 700 is not limited to the embodiment of the present application.

The Processor 701 may be a CPU (Central Processing Unit), a general-purpose Processor, a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array) or other Programmable logic device, a transistor logic device, a hardware component, or any combination thereof. Which may implement or perform the various illustrative logical blocks, modules, and circuits described in connection with the disclosure. The processor 701 may also be a combination of computing functions, e.g., comprising one or more microprocessors, DSPs, and microprocessors, among others.

Bus 702 may include a path that transfers information between the above components. The bus 702 may be a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus 702 may be divided into an address bus, a data bus, a control bus, and the like. For ease of illustration, only one thick line is shown in FIG. 7, but this is not intended to represent only one bus or type of bus.

The Memory 703 may be a ROM (Read Only Memory) or other type of static storage device that can store static information and instructions, a RAM (Random Access Memory) or other type of dynamic storage device that can store information and instructions, an EEPROM (Electrically Erasable Programmable Read Only Memory), a CD-ROM (Compact disk Read Only Memory) or other optical disk storage, optical disk storage (including Compact disk, laser disk, optical disk, digital versatile disk, blu-ray disk, etc.), a magnetic disk storage medium, other magnetic storage devices, or any other medium that can be used to carry or store a computer program and that can be Read by a computer, without limitation.

The memory 703 is used for storing computer programs for executing the embodiments of the present application, and is controlled by the processor 701 to execute. The processor 701 is adapted to execute a computer program stored in the memory 703 to implement the steps shown in the foregoing method embodiments.

Among them, electronic devices include but are not limited to: mobile terminals such as mobile phones, notebook computers, PADs, etc. and fixed terminals such as digital TVs, desktop computers, etc.

Embodiments of the present application provide a computer-readable storage medium, on which a computer program is stored, and when being executed by a processor, the computer program may implement the steps and corresponding contents of the foregoing method embodiments.

Embodiments of the present application provide a computer program product or computer program comprising computer instructions stored in a computer readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device realizes the following when executed:

determining a commission charge type according to the service type;

It should be understood that, although each operation step is indicated by an arrow in the flowchart of the embodiment of the present application, the implementation order of the steps is not limited to the order indicated by the arrow. In some implementation scenarios of the embodiments of the present application, the implementation steps in the flowcharts may be performed in other sequences as desired, unless explicitly stated otherwise herein. In addition, some or all of the steps in each flowchart may include multiple sub-steps or multiple stages based on an actual implementation scenario. Some or all of these sub-steps or stages may be performed at the same time, or each of these sub-steps or stages may be performed at different times, respectively. In a scenario where execution times are different, an execution sequence of the sub-steps or the phases may be flexibly configured according to requirements, which is not limited in the embodiment of the present application.

The foregoing is only an optional implementation manner of a part of implementation scenarios in this application, and it should be noted that, for those skilled in the art, other similar implementation means based on the technical idea of this application are also within the protection scope of the embodiments of this application without departing from the technical idea of this application.

Claims

1. A method for settling commission fees in banking businesses, comprising:

determining a commission charge type according to the service type;

determining at least one settlement policy corresponding to the bank information based on the commission type; each settlement strategy comprises settlement sub-strategies aiming at different money amounts;

and calculating to obtain the commission charge which should be charged by the banking business to be settled according to the target settlement operator strategy.

2. The method of settling a commission in a banking transaction as claimed in claim 1 wherein said banking information includes an entry banking information and an exit banking information, and said determining at least one settlement policy corresponding to said banking information based on said commission type comprises:

when the charge-out bank information corresponds to a settlement strategy associated with the commission type and the charge-in bank information does not correspond to a settlement strategy associated with the commission type, taking the settlement strategy corresponding to the charge-out bank information as the settlement strategy;

and when the income bank information corresponds to a settlement strategy associated with the commission type and the expenditure bank information does not correspond to a settlement strategy associated with the commission type, taking the settlement strategy corresponding to the income bank information as the settlement strategy.

3. A method for settling a commission fee in a banking transaction as claimed in claim 1 wherein said closing sub-strategy corresponds to an amount interval and said selecting a target settlement sub-strategy from said closing sub-strategies based on said transaction amount comprises:

4. The method for settling commission fees in banking business as claimed in claim 1, wherein said calculating the commission fee to be charged by the banking business to be settled according to the target settlement operator policy comprises:

when the target closing sub-strategy representation is in a calculation mode according to the fee ratio, calculating to obtain the commission charge which should be charged by the banking business to be settled according to the transaction amount and the fee ratio;

and when the target ending sub-strategy representation is in a fixed fee calculation mode, taking the fixed fee as a commission charge which is required to be charged by the banking business to be settled.

5. The method for settling commission in banking business as claimed in claim 2, wherein said settlement request also includes a business object, and said calculating the commission to be charged by said banking business to be settled according to said target settlement sub-policy includes:

when the settlement strategy does not contain the discount data, calculating to obtain the commission charge according to the target settlement strategy;

and when the settlement strategy contains the discount data, calculating to obtain the commission charge according to the discount data and the target settlement strategy.

6. The method of claim 5, wherein calculating the commission based on the offer data and the target settlement policy comprises:

calculating to obtain a favorable forward commission based on the target closing operator strategy and the transaction amount;

when the discount data is discount rate, determining the commission charge based on the product of the discount rate and the discount preceding commission charge;

and when the discount data is discount amount, determining the commission charge based on the difference value between the commission pre-commission charge and the discount amount.

7. The method of settling a commission fee in a banking transaction as claimed in claim 5, further comprising:

when the settlement strategy of the commission charge corresponds to the information of the charge-off bank and the business object has at least two account numbers in the charge-off bank, carrying out payment processing on the commission charge based on a first account number selected by a user;

and when the settlement strategy of the commission charge corresponds to the information of the entry bank and the business object has at least two account numbers in the entry bank, carrying out payment processing of the commission charge based on a second account number selected by the user.

8. An apparatus for settling commission fees in banking transactions, comprising:

a second determining module, configured to determine at least one settlement policy corresponding to the bank information based on the commission fee type; each settlement strategy comprises settlement sub-strategies aiming at different money amounts;

and the calculation module is used for calculating and obtaining the commission charge which is required to be charged by the banking business to be settled according to the target settlement operator strategy.

9. An electronic device comprising a memory, a processor and a computer program stored on the memory, characterized in that the processor executes the computer program to implement the steps of the method of any of claims 1 to 7.

10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of settling commission fees in a banking business as claimed in any one of claims 1 to 7.