CN114358898A

CN114358898A - Accounting data processing method and device, electronic equipment and storage medium

Info

Publication number: CN114358898A
Application number: CN202111615949.9A
Authority: CN
Inventors: 梁芳; 詹震辉; 杨阳; 李桐
Original assignee: CCB Finetech Co Ltd
Current assignee: CCB Finetech Co Ltd
Priority date: 2021-12-27
Filing date: 2021-12-27
Publication date: 2022-04-15

Abstract

The invention discloses a method and a device for processing accounting data, electronic equipment and a storage medium, and relates to the technical field of data processing. One embodiment of the method comprises: responding to a processing request of the accounting data, inquiring current accounting data of a target account, identifying the accounting type of each account in the current accounting data, and screening the target accounting data of which the accounting type is reverse-interest repayment in each current accounting data; acquiring a transaction identifier corresponding to target financial data, inquiring a due repayment date, a due repayment amount and a corresponding repayment type of the target financial data, and determining a deduction date and a deduction amount of the target financial data based on historical financial data of a target account; and starting a reverse payment returning operation program on the target account based on the deduction date and the deduction amount, and updating the historical account data of the target account. The implementation mode can solve the problems that in the prior art, business personnel are required to execute the operation of the money on the goods, the operation is complex and the efficiency is low.

Description

Accounting data processing method and device, electronic equipment and storage medium

Technical Field

The present invention relates to the field of data processing technologies, and in particular, to a method and an apparatus for processing account data, an electronic device, and a storage medium.

Background

The reverse rest is the rest day before the current business day. In a situation such as a bank, the financial data processing is usually the separate processing of accounts of deposit and loan, so that the time for processing the deposit account data is later than the repayment of the loan, that is, the loan deposit is put into account, and the loan account needs to be processed by the reverse repayment. In the prior art, accounts of deposits and loans are processed respectively, so that business personnel are required to perform the operation of the money of the interest-reversed goods when the interest-reversed repayment occurs, the operation is complex, and the efficiency is low.

Disclosure of Invention

In view of this, embodiments of the present invention provide an accounting data processing method and apparatus, an electronic device, and a storage medium, which can solve the problems in the prior art that a business person is required to perform an operation of tipping over a payment, and the operation is complex and the efficiency is low.

To achieve the above object, according to an aspect of an embodiment of the present invention, a method for processing accounting data is provided.

The method for processing the accounting data comprises the following steps: responding to a processing request of financial data, acquiring a target account in the processing request, inquiring current financial data of the target account, calling a preset identification model, identifying the financial type of each financial affair in the current financial data, and screening the target financial data of which the financial type is reverse payoff in each current financial data;

for each item of account data, acquiring a transaction identifier corresponding to the target account data, calling a transaction data processing engine to inquire a due repayment date, a due repayment amount and a corresponding repayment type of the target account data from a preset database based on the transaction identifier, and further determining a deduction date and a deduction amount of the target account data based on historical account data of the target account;

and starting a reverse interest payment operation program on the target account based on the deduction date and the deduction amount, and further updating the historical account data of the target account.

In one embodiment, the payment type includes a full payment;

determining a deduction date and a deduction amount for the target accounting data based on historical accounting data for the target account, comprising:

screening account balances of the target account corresponding to all time points from the repayment date to the current date from the historical account data;

and determining the deduction date and the deduction amount of the target financial data based on the size relationship between the account balance of the target account and the repayment balance corresponding to each time point.

In yet another embodiment, determining a deduction date and a deduction amount of the target accounting data based on a magnitude relationship between an account balance of the target account and the repayment balance at the respective time points comprises:

based on the sequence of the time points from big to small, searching a target time point of which the corresponding account balance is smaller than the balance to be paid;

and in each time point, determining the time point which is positioned after the maximum target time point and is adjacent to the maximum target time point as a deduction date, and determining the repayment amount as the deduction amount.

In yet another embodiment, screening the historical accounting data for an account balance corresponding to the target account at each time point from the repayment date to the current date comprises:

inquiring account balance of the target account corresponding to the repayment date from the historical accounting data;

judging that the account balance of the target account corresponding to the repayment date is not less than the repayment amount;

if so, determining the repayment date as a deduction date, and determining the repayment amount as the deduction amount; and if not, screening the account balance of the target account corresponding to each time point from the repayment date to the current date from the historical account data.

In yet another embodiment, after determining the deduction date and the deduction amount of the target accounting data, further comprising:

and if the deduction date is larger than the repayment due date, calculating the time length between the deduction date and the repayment due date so as to calculate the penalty amount corresponding to the target account based on the time length and the repayment due amount.

In yet another embodiment, determining a deduction date and a deduction amount for the target accounting data based on historical accounting data for the target account comprises:

judging whether the current state of the target account is normal and the current account balance of the target account is larger than the repayment amount or not based on the historical account data of the target account;

if yes, determining a deduction date and a deduction amount of the target account data based on historical account data of the target account; if not, sending prompt information.

In yet another embodiment, the payment type includes a non-full payment;

and determining the deduction date and the deduction amount of the target financial data based on the account balance of the target account corresponding to each time point.

In yet another embodiment, determining a deduction date and a deduction amount for the target accounting data based on the account balance size of the target account at each of the time points comprises:

based on the sequence of the time points from big to small, searching a first target time point with the balance of the corresponding account being 0;

and taking the time points after and adjacent to the target time point as initial deduction dates, sequentially determining the deduction dates of the target financial data at the time points after the target time point, and determining corresponding deduction amounts based on account balances corresponding to the deduction dates until the sum of the deduction amounts reaches the repayment amount or the account balance of the target account is 0.

To achieve the above object, according to another aspect of the embodiments of the present invention, there is provided an apparatus for processing accounting data.

An accounting data processing apparatus according to an embodiment of the present invention includes: the system comprises a screening unit, a processing unit and a processing unit, wherein the screening unit is used for responding to a processing request of the accounting data, acquiring a target account in the processing request, inquiring current accounting data of the target account, calling a preset identification model, identifying the accounting type of each account in the current accounting data, and screening the target accounting data of which the accounting type is reverse-interest repayment in each current accounting data; the determining unit is used for acquiring a transaction identifier corresponding to the target financial data for each item of financial data, calling a transaction data processing engine to inquire a due repayment date, a due repayment amount and a corresponding repayment type of the target financial data from a preset database based on the transaction identifier, and further determining a deduction date and a deduction amount of the target financial data based on historical financial data of the target account; and the updating unit is used for starting a reverse payment returning operation program to the target account based on the deduction date and the deduction amount, and further updating the historical account data of the target account.

To achieve the above object, according to still another aspect of an embodiment of the present invention, there is provided an electronic apparatus.

An electronic device of an embodiment of the present invention includes: one or more processors; the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors implement the method for processing the accounting data provided by the embodiment of the invention.

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

A computer-readable medium of an embodiment of the present invention stores thereon a computer program, which, when executed by a processor, implements a method for processing accounting data provided by an embodiment of the present invention.

To achieve the above object, according to still another aspect of an embodiment of the present invention, there is provided a computer program product.

A computer program product according to an embodiment of the present invention includes a computer program, and when the computer program is executed by a processor, the computer program implements the method for processing accounting data according to an embodiment of the present invention.

One embodiment of the above invention has the following advantages or benefits: in the embodiment of the invention, when the account data of the target account needs to be processed, the accounting type of each piece of current accounting data can be firstly identified from the current account data, so that the current accounting data needing to be processed for the reverse repayment can be screened out based on the accounting type; for the current account data of the reverse interest payment, the corresponding date to be paid, the amount to be paid and the type to be paid can be inquired based on the transaction identifier, the deduction date and the deduction amount of the target account data are determined based on the historical account data, and the reverse interest payment operation program is executed, so that the automatic executing and processing of the reverse interest payment of the target account are realized, the operation that business personnel execute the reverse interest payment is avoided, the operation complexity is reduced, and the processing efficiency can be 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 a schematic diagram of one main flow of a method of processing accounting data according to an embodiment of the present invention;

fig. 2 is a schematic diagram of a main flow of a processing method of target accounting data according to an embodiment of the present invention;

fig. 3 is a schematic diagram of still another main flow of a processing method of target accounting data according to an embodiment of the present invention;

fig. 4 is a schematic diagram of the main units of an accounting data processing apparatus according to an embodiment of the present invention;

FIG. 5 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;

FIG. 6 is a schematic block diagram of a computer system suitable for use in implementing embodiments of the present invention.

Detailed Description

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

It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.

For the loan, if the repayment date of the loan is before the loan recall date, the repayment date of the loan is the recall date-1; if the local interest should be returned after the loan hunting day (including the hunting day), the date of repayment of the local interest should be returned after the hunting day (including the hunting day) is the date of repayment of the daily period and the date of repayment of the bill.

In the embodiment of the invention, a module (an automatic deduction IBB component) for automatic reverse payment can be configured in advance, for loans with the information to be paid, the automatic reverse payment IBB component provided by the deposit can be called after the date to be paid and the amount to be paid are acquired, so that the available balance of the corresponding account on the date to be paid and the date after the date can be deducted automatically, and the IBB returns the information stored in the corresponding account on each day from the date to be paid, wherein the information can include the amount to be paid and the date to be deducted. And if the deduction date returned by the IBB is less than the business date, determining the scene of reverse interest payment. The loan can be based on the returned withholding date and withholding amount, and the loan account corresponding to the message that the loan should be returned is returned. For example, on business day 10.25, loan A should be returned to 100 on day 10.1 and 100 on day 10.20, during which IBB repayment is invoked. Calling the IBB for the first time, wherein the returned information is as follows: returning a deduction array (1) which comprises deduction dates of 10.12 days and deduction amount of 50; returning to the deduction array [ 2 ], which includes the deduction date of 10.13 days and the deduction amount of 50, 100 can be charged with (1-12 days) the penalty amount of 11 days and 50 can be charged with (12 days) the penalty amount of 1 day. And calling the IBB for the second time, wherein the returned information is as follows: returning a deduction array (1), wherein the deduction date is 10.20 days, and the deduction amount is 50; and (3) a deduction array [ 2 ], wherein the deduction date is 10.25 days, the deduction amount is 50, and 50 records (20-25 days) the penalty amount of 5 days. Therefore, the loan has the charge of paying the own interest (the charge of paying the own interest) and the loan is determined to be paid for the interest when the interest-deducting day is less than the current business day.

An embodiment of the present invention provides a method for processing accounting data, where the method may be executed by an accounting data processing system, as shown in fig. 1, and the method includes:

s101: responding to the processing request of the accounting data, acquiring a target account in the processing request, inquiring current accounting data of the target account, calling a preset identification model, identifying the accounting type of each account in the current accounting data, and screening the target accounting data of which the accounting type is reverse payment in each current accounting data.

The processing request may be sent by another device, or may be triggered by the system through a preset program, for example, the processing request of the accounting data may be automatically triggered based on a preset period.

In the embodiment of the present invention, the accounting data may be set to be processed based on a preset period, so that the current accounting data may be the accounting data in the current period, where the preset period may be days, months, and the like. In the embodiment of the invention, the recognition model is pre-trained. Each account data can be used for identifying the account type based on keywords in the account information, for example, the account information may include keywords such as deposit and repayment, so that training of the identification model may be performed through the keywords, and thus the keywords are identified through the identification model, and then the account type of the account data may be identified. The accounting type may include multiple types, such as repayment, deposit, loan, and the like, for the accounting data of the repayment type, whether the accounting data is the accounting data of the reverse payment may be further determined based on the repayment date of the corresponding loan, and then, after the accounting type of each current accounting data is determined, the target accounting data of which the accounting type is the reverse payment may be screened from each current accounting data.

It should be noted that, in the embodiment of the present invention, a balance table of each account may be set for the accounting data, the balance of the account in each period is recorded in the balance table based on a preset period, and the balance is updated at a preset time point in each period, where the preset period is taken as a day, for example, the time point may be a zero point of each day. Thus, in the embodiment of the invention, when the accounting data of the reverse payment occurs, the automatic payment operation can be directly executed based on the balance table.

S102: and for each item of financial data, acquiring a transaction identifier corresponding to the target financial data, calling a transaction engine to inquire a due repayment date, a due repayment amount and a corresponding repayment type of the target financial data from a preset database based on the transaction identifier, and further determining a deduction date and a deduction amount of the target financial data based on the historical financial data of the target account.

When the target accounting data includes a plurality of pieces, the processing may be sequentially performed based on a preset order, for example, the processing may be sequentially performed based on a reception time of the target accounting data.

For each piece of target accounting data, the transaction identifier of the accounting data can be obtained from the target accounting data to uniquely identify the transaction corresponding to the current accounting data, and then a transaction data processing engine can be called to inquire information such as which account and which loan are to be paid out based on the transaction identifier, so that the repayment date, the repayment amount and the corresponding repayment type of the target accounting data can be determined. In the embodiment of the present invention, the transaction data processing engine is preset, and may be used for processing transaction data, for example, reading or writing transaction data from the database, so the transaction data processing engine may be invoked in this step to query the repayment date, the repayment amount, and the corresponding repayment type of the target financial data from the preset database.

The payment type can be preset, and specifically can include full payment and non-full payment. The full payment can indicate that the payment of the amount to be paid is carried out at one time, the balance of the account is required to be sufficient for payment, the account state is normal (namely the account has no special control states such as sealing and receiving but not paying), and the deposit of the account can provide the daily balance from the day of the interest. Non-full repayment means that the balance of the account is less than the amount of money to be paid, so partial repayment is performed first based on the balance of the account, namely, the balance is retained. The payment type can be preset or determined based on the current balance of the target account.

The historical accounting data may represent historical balance records of the target account, such as a balance table, which may include updated balances of the respective accounts at each preset period. Therefore, the balance details in each preset period can be determined in the historical account data, and the deduction date and the deduction amount can be further determined based on the repayment date, the repayment amount and the corresponding repayment type. The deduction date represents the date when the amount due for payment is deducted from the target account, and the deduction amount represents the amount deducted from the target account.

The repayment date may be the loan recall date-1, and the repayment amount is usually the sum of the principal and interest of the repayment.

Specifically, in the embodiment of the present invention, when the repayment type is a full-amount repayment, the step of determining the deduction date and the deduction amount of the target financial data may be: screening account balances of target accounts corresponding to all time points from the repayment date to the current date from historical account data; and determining the deduction date and deduction amount of the target financial data based on the size relationship between the account balance of the target account and the balance to be paid corresponding to each time point.

The full payment requires that the current account balance of the target account is enough, namely the account balance obtained by subtracting the frozen amount from the total balance of the target account is more than or equal to the amount to be paid. For the full payment type, the time point meeting the deduction can be searched from the current time back from near to far, and the time point meeting the deduction can be specifically the date that the account balance is smaller than the amount of money to be paid.

Therefore, the account balance of the target account corresponding to each time point from the repayment date to the current date can be screened out from the historical account data, then the target time points with the corresponding account balances smaller than the repayment balance are sequentially searched according to the sequence of the time points from large to small, the time points which are positioned behind the maximum target time point and are adjacent are determined as the deduction date, and the repayment amount is determined as the deduction amount.

For example, assuming that the amount to be paid is 100 and the date to be paid is 21 days, the account balance corresponding to each time point screened out from the historical account data is specifically: account balance 150 on day 25, account balance 130 on day 24, account balance 130 on day 23, account balance 90 on day 22, and account balance 90 on day 21. The target time points are 22 days and 21 days, and it can be determined that 23 days are the deduction date and the deduction amount is 100.

It should be noted that if there is no target time point corresponding to the account balance smaller than the payment due balance at each time point from the payment due date to the current date, the payment date may be determined as the deduction date. For example, assuming that the amount to be paid is 100 and the date to be paid is 21 days, the account balance corresponding to each time point screened out from the historical account data is specifically: account balance 150 on day 25, account balance 140 on day 24, account balance 130 on day 23, account balance 120 on day 22, and account balance 110 on day 21. Therefore, if the target time point is none, the 21-day deduction date can be directly determined, and the deduction amount is 100.

In some embodiments, when the step of determining the deduction date and the deduction amount of the target accounting data is performed, it may be further determined whether an account balance corresponding to the repayment date is greater than the repayment amount. If yes, determining the date of repayment as the date of deduction, and the deduction amount is the amount of repayment; if not, the above-described steps of determining the deduction date and the deduction amount of the target accounting data may be performed.

For example, assuming that the amount to be paid is 100 and the date to be paid is 21 days, the account balance corresponding to each time point screened out from the historical account data is specifically: account balance 150 on day 25, account balance 140 on day 24, account balance 130 on day 23, account balance 120 on day 22, and account balance 110 on day 21. Therefore, the balance of the account corresponding to the 21 days is larger than the payment amount, and the 21 days can be determined as the payment date and the payment amount is 100.

In this step, if the determined deduction date is greater than the repayment date, it may be determined that the loan is not timely repayed, so that the penalty of the target account needs to be calculated. The calculation mode may be preset, and specifically may be: and calculating the time length between the deduction date and the repayment date so as to calculate the penalty amount corresponding to the target account based on the time length and the repayment amount. Further, before executing the step, the state of the target account needs to be judged, and the step is executed when the current state of the target account is determined to be normal and the account balance is greater than the repayment amount, so as to ensure normal deduction. If the current state of the target account is not normal or the account balance is less than the repayment amount, prompt information can be sent to prompt a worker to process.

Specifically, in the embodiment of the present invention, when the repayment type is non-full repayment, the step of determining the deduction date and the deduction amount of the target financial data may be: screening account balances of target accounts corresponding to all time points from the repayment date to the current date from historical account data; and determining the deduction date and the deduction amount of the target financial data based on the account balance of the target account corresponding to each time point.

Because the non-full repayment indicates how much the account balance is deducted, the account balance of the target account corresponding to each time point from the repayment date to the current date can be screened from historical account data, and then the target time point with the first corresponding account balance of 0 is searched based on the sequence of the time points from large to small; and taking the time points after and adjacent to the target time point as initial deduction dates, sequentially determining the deduction dates of the target financial data at the time points after the target time point, and determining corresponding deduction amounts based on account balances corresponding to the deduction dates until the sum of the deduction amounts reaches the repayment amount or the account balance of the target account is 0.

For example, assuming that the amount to be paid is 100 and the date to be paid is 21 days, the account balance corresponding to each time point screened out from the historical account data is specifically: the account balance 150 on 25 days, the account balance 140 on 24 days, the account balance 40 on 23 days, the account balance 10 on 22 days, the account balance 20 on 21 days, and the account balance 10 on 20 days, so that the deduction date is 21, the deduction amount corresponding to 21 days is 20, and the deduction amount corresponding to 22 days is 10, the deduction amount corresponding to 23 days is 10, the deduction amount corresponding to 24 days is 60, and the sum of the deduction amounts is the amount to be paid, so that the deduction dates are 21 days, 22 days, 23 days, and 24 days.

In the above process, the payment amount to be paid is not paid in time, and therefore, the penalty information needs to be calculated, for example, the loan 80 calculates the penalty information for 21 days, the loan 70 calculates the penalty information for 22 days, and the loan 60 calculates the penalty information for 23 days.

For another example, assuming that the amount to be paid is 100 and the date to be paid is 21 days, the account balance corresponding to each time point screened out from the historical account data is specifically: the account balance 150 on 25 days, the account balance 140 on 24 days, the account balance 40 on 23 days, the account balance 80 on 22 days, the account balance 20 on 21 days, and the account balance 10 on 20 days, so that it can be determined that the deduction amount is 20 on 21 days, the deduction amount is 20 on 22 days, no deduction is made on 23 days, the deduction amount is 60 yuan on 24 days, meanwhile, the loan 80 calculates the penalty on 21 days, and the loan 60 calculates the penalty on two days of 22-23 days.

S103: and starting a reverse payment returning operation program on the target account based on the deduction date and the deduction amount, and further updating the historical account data of the target account.

After the deduction date and the deduction amount are determined, the reverse interest payment operation program executed on the target account can be started.

It should be noted that the method in the embodiment of the present invention may also be used for processing an internal account. For a scenario that one loan contract is associated with a plurality of accounts, the repayment operation may be performed for the target account determined from the first to the last deposit account in a preset deduction account order. When the loan has the condition of multi-period receivable (multi-period delinquent), the loan is automatically reversed and withheld according to the withholding sequence set by the contract layer, specifically the payment sequence of the bill from far to near according to the account age of the bill. If the refund payment occurs within the tolerance period of the loan and the actual payment date and the deduction date are later than the due payment date, the loan can be returned according to the overdue. If the loan is over the tolerance period, the loan is automatically returned without user intervention, and the repayment date is the repayment date to be paid, the loan is automatically returned without the need of user intervention. Since the automatic reverse-interest repayment is to solve the "false delinquent" condition caused by the time difference problem, the backtracking time (the longest tracking day) of the reverse-interest repayment should not usually span a long time in the application, such as spanning years, spanning years and the like, for example, considering the case of the holiday being N consecutive days at the maximum, the longest tracking day can be set to be N + N days, wherein N, N are all integers greater than 0. If the deposit date or the internal account-based and interest-bearing date exceeds the longest searching date, the embodiment of the invention can be set to carry out processing, and online repayment is carried out. The automatic deduction from the account will be carried out until the balance of the account is zero.

In the embodiment of the invention, the accounting type of each piece of current accounting data can be identified in the current account data, so that the current accounting data needing to be processed for reverse payoff and repayment can be screened out based on the accounting type; for the current account data of the reverse interest payment, the corresponding date to be paid, the amount to be paid and the type to be paid can be inquired based on the transaction identifier, the deduction date and the deduction amount of the target account data are determined based on the historical account data, and the reverse interest payment operation program is executed, so that the automatic executing and processing of the reverse interest payment of the target account are realized, the operation that business personnel execute the reverse interest payment is avoided, the operation complexity is reduced, and the processing efficiency can be improved.

The following describes, in detail, a method for processing target accounting data in the embodiment of the present invention with reference to the embodiment shown in fig. 1, and as shown in fig. 2, the method includes:

s201: and acquiring a transaction identifier corresponding to the target financial data to call a transaction data processing engine, and inquiring the repayment date, the repayment amount and the corresponding repayment type of the target financial data.

The payment type is a full payment, for example.

S202: and screening account balances of the target account corresponding to each time point from the repayment date to the current date from the historical accounting data.

S203: and searching a target time point of which the corresponding account balance is less than the balance to be paid based on the sequence of the time points from big to small.

S204: in each time point, the time point which is located after the maximum target time point and is adjacent to the maximum target time point is determined as a deduction date, and the amount to be paid is determined as a deduction amount.

The following describes, in detail, a method for processing target accounting data in the embodiment of the present invention with reference to the embodiment shown in fig. 1, and as shown in fig. 3, the method includes:

s301: and acquiring a transaction identifier corresponding to the target financial data so as to call a transaction data processing engine to inquire the repayment date, the repayment amount and the corresponding repayment type of the target financial data.

The payment type is a non-full payment, for example.

S302: and screening account balances of the target account corresponding to each time point from the repayment date to the current date from the historical accounting data.

S303: and searching a first target time point with the balance of the corresponding account being 0 based on the sequence of the time points from big to small.

S304: and taking the time points after and adjacent to the target time point as initial deduction dates, sequentially determining the deduction dates of the target financial data at the time points after the target time point, and determining corresponding deduction amounts based on account balances corresponding to the deduction dates until the sum of the deduction amounts reaches the repayment amount or the account balance of the target account is 0.

In order to solve the problems in the prior art, an embodiment of the present invention provides an apparatus 400 for processing accounting data, as shown in fig. 4, where the apparatus 400 includes:

a screening unit 401, configured to, in response to a processing request of accounting data, obtain a target account in the processing request, to query current accounting data of the target account, call a preset identification model, identify an accounting type of each account in the current accounting data, and screen target accounting data in which the accounting type is a reverse-interest repayment in each current accounting data;

a determining unit 402, configured to obtain, for each piece of account data, a transaction identifier corresponding to the target account data, call a transaction data processing engine, to query, based on the transaction identifier, a due repayment date, a due repayment amount, and a corresponding repayment type of the target account data from a preset database, and further determine, based on historical account data of the target account, a deduction date and a deduction amount of the target account data;

an updating unit 403, configured to start a reverse payment repayment operation procedure on the target account based on the deduction date and the deduction amount, and further update the historical account data of the target account.

It should be understood that the manner of implementing the embodiment of the present invention is the same as the manner of implementing the embodiment shown in fig. 1, and the description thereof is omitted.

In one embodiment, the payment type includes a full payment;

the determining unit 402 is specifically configured to:

In another embodiment, the determining unit 402 is specifically configured to:

In yet another embodiment, the payment type includes a non-full payment;

the determining unit 402 is specifically configured to:

In another embodiment, the determining unit 402 is specifically configured to:

It should be understood that the embodiment of the present invention is implemented in the same manner as the embodiment shown in fig. 1, 2 and 3, and is not described herein again.

According to an embodiment of the present invention, an electronic device and a readable storage medium are also provided.

The electronic device of the embodiment of the invention comprises: at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores instructions executable by the processor, and the instructions are executed by the at least one processor to cause the at least one processor to execute the method for processing accounting data provided by the embodiment of the invention.

Fig. 5 shows an exemplary system architecture 500 of a processing method of accounting data or a processing apparatus of accounting data to which an embodiment of the present invention may be applied.

As shown in fig. 5, the system architecture 500 may include

terminal devices

501, 502, 503, a network 504, and a server 505. The network 504 serves to provide a medium for communication links between the

terminal devices

501, 502, 503 and the server 505. Network 504 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The user may use the

terminal devices

501, 502, 503 to interact with a server 505 over a network 504 to receive or send messages or the like. Various client applications may be installed on the

terminal devices

501, 502, 503.

The

terminal devices

501, 502, 503 may be, but are not limited to, smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 505 may be a server providing various services, and the server may analyze and process data such as a received product information query request, and feed back a processing result (for example, product information — just an example) to the terminal device.

It should be noted that the method for processing accounting data provided by the embodiment of the present invention is generally executed by the server 505, and accordingly, the device for processing accounting data is generally disposed in the server 505.

It should be understood that the number of terminal devices, networks, and servers in fig. 5 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 6, a block diagram of a computer system 600 suitable for use in implementing embodiments of the present invention is shown. The computer system illustrated in FIG. 6 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. 6, the computer system 600 includes a Central Processing Unit (CPU)601 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. In the RAM 603, various programs and data necessary for the operation of the system 600 are also stored. The CPU 601, ROM 602, and RAM 603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.

The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output portion 607 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 605 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted in the storage section 608 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 may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 601.

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 unit, 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 units described in the embodiments of the present invention may be implemented by software or hardware. The described units may also be provided in a processor, and may be described as: a processor includes a screening unit, a determination unit, and an update unit. Where the names of these elements do not in some cases constitute a limitation of the element itself, for example, the screening element may also be described as an element of the target accounting data screening function.

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 accounting data processing method provided by the present invention.

As another aspect, the present invention also provides a computer program product, which includes a computer program, and when the program is executed by a processor, the computer program implements the method for processing accounting data provided by the embodiment of the present invention.

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 processing accounting data is characterized by comprising the following steps:

responding to a processing request of financial data, acquiring a target account in the processing request, inquiring current financial data of the target account, calling a preset identification model, identifying the financial type of each financial affair in the current financial data, and screening the target financial data of which the financial type is reverse payoff in each current financial data;

2. The method of claim 1, wherein the payment type includes a full payment;

3. The method of claim 2, wherein determining a deduction date and a deduction amount for the target accounting data based on a magnitude relationship between the account balance of the target account and the payable balance at the respective time points comprises:

4. The method of claim 2, wherein filtering from the historical accounting data the account balance of the target account at each point in time from the repayment date to the current date comprises:

5. The method of claim 2, after determining a deduction date and a deduction amount for the target accounting data, further comprising:

6. The method of claim 2, wherein determining a deduction date and a deduction amount for the target accounting data based on historical accounting data for the target account comprises:

7. The method of claim 1, wherein the payment type includes a non-full payment;

8. The method of claim 7, wherein determining a deduction date and a deduction amount for the target accounting data based on the account balance size of the target account at each of the time points comprises:

9. An apparatus for processing accounting data, comprising:

the system comprises a screening unit, a processing unit and a processing unit, wherein the screening unit is used for responding to a processing request of the accounting data, acquiring a target account in the processing request, inquiring the current accounting data of the target account, calling a preset identification model, identifying the accounting type of each account in the current accounting data, and screening the target accounting data of which the accounting type is reverse-interest repayment in each current accounting data;

the determining unit is used for acquiring a transaction identifier corresponding to the target financial data for each item of financial data, calling a transaction data processing engine to inquire a due repayment date, a due repayment amount and a corresponding repayment type of the target financial data from a preset database based on the transaction identifier, and further determining a deduction date and a deduction amount of the target financial data based on historical financial data of the target account;

and the updating unit is used for starting a reverse payment returning operation program to the target account based on the deduction date and the deduction amount, and further updating the historical account data of the target account.

10. The apparatus of claim 9, wherein the payment type includes a full payment;

the determining unit is specifically configured to:

11. The apparatus according to claim 10, wherein the determining unit is specifically configured to:

12. The apparatus according to claim 10, wherein the determining unit is specifically configured to:

13. The apparatus of claim 12, wherein the determining unit is further configured to:

14. The apparatus according to claim 12, wherein the determining unit is specifically configured to:

15. 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 1-8.

16. 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 1-8.

17. A computer program product comprising a computer program, characterized in that the program realizes the method according to any of claims 1-8 when executed by a processor.