CN115545885A - Method, system and device for automatically collecting bills, repaying bills and transferring balance out - Google Patents
Method, system and device for automatically collecting bills, repaying bills and transferring balance out Download PDFInfo
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- CN115545885A CN115545885A CN202211150349.4A CN202211150349A CN115545885A CN 115545885 A CN115545885 A CN 115545885A CN 202211150349 A CN202211150349 A CN 202211150349A CN 115545885 A CN115545885 A CN 115545885A
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Abstract
The invention relates to the technical field of computer information processing, and discloses a method, a system and a device for automatically collecting bills, repaying bills and transferring balance out, which solve the problems of risk and efficiency caused by manual intervention; judging whether an expired loan and an overdue loan which are not paid yet exist at the current time under the condition of a client on the appointed repayment date of the loan, and if so, executing payment acceptance and repayment; after deducting the repayment amount, updating the due loan state parameter, the overdue loan state parameter and the residual payment of the payment acceptance to finish the repayment of the borrowing; after the borrowing is repacked, if the balance amount still exists, the balance amount is transferred to the account of other banks of the customer to finish balance transfer, and the purpose of carrying out serial assembly on bill collection, borrowing repayment and balance transfer is achieved, so that the risk is reduced, and automatic repayment convenience is provided for the customer.
Description
Technical Field
The invention relates to the technical field of computer information processing, in particular to a method, a system and a device for automatically collecting bills, paying bills and transferring balance.
Background
And (4) bill collection: the payment method refers to a settlement mode that when a commercial draft carrier finishes the expiration of the held commercial draft, a financial company entrusts a financial company to receive commercial draft money from a payer, and the specific contents comprise sending entrusted collection, money recovery and the like.
Automatic repayment: the bank automatically draws funds from a debit card reserved by the customer for returning the borrowed data, the balance being sufficient for settlement and payment, and the balance being insufficient for partial payment.
And (4) balance roll-out: refers to transferring the amount of money the customer has available in a certain bank account to another bank savings card in accordance with the account name.
If the customer holding the commercial bill can not apply cash-sticking treatment for a while, the commercial bill can be used as a security, and the customer selects to a bank to obtain a pledge loan. The collection may be used as a loan repayment fund when the ticket expires. When the loan expires, the customer's collection is remitted to the bank's designated account for repayment of the loan. After the loan repayment operation is completed, the residual funds are withdrawn to the account of the client. In the link, the intervention operation of customers and bank personnel is needed, the flow is complicated, and certain fund carrying risks exist in the period from the bill collection to the account payment and the loan repayment, and if the time for handling the collection is delayed due to various manual reasons, the condition that the loan is overdue is easy to occur.
Disclosure of Invention
The invention aims to provide a method, a system and a device for automatic collection, repayment and balance transfer of bills, which are used for serially assembling collection, borrowing and payment and balance transfer of bills and provide automatic payment convenience for customers on the basis of convenience in bill financing.
The technical purpose of the invention is realized by the following technical scheme: a method for automatic collection, payment and balance transfer of bills comprises the following steps:
judging whether collection payment of the bill is received or not when the expiration date of the bill is reached according to pre-acquired bill collection data, finishing bill collection if collection payment is received, and starting a borrowing and repaying process;
on the appointed repayment date of the loan, judging whether due loans and overdue loans which are not repayed exist at the current time under the client term, and if yes, executing payment collection and repayment;
after deducting the repayment amount, updating the due loan state parameter, the overdue loan state parameter and the rest of the payment to finish the repayment of the borrowed data;
and after the borrowing is paid, if the balance amount still exists, transferring the balance amount to an account of a bank of the customer, and finishing balance transfer.
As a preferred technical scheme of the invention, in the borrowing and repayment process, whether an outstanding due loan exists at the current time under the condition of a client is judged, if yes, a collection in the payment support is used for repayment of the outstanding loan, and after the repayment is finished, the state parameter of the outstanding loan and the remaining payment in the payment support are updated;
and then judging whether the overdue loan which is not yet paid exists at the current time under the condition of the client, if so, paying the overdue loan by using the remaining payment-holding money, and updating the state parameters of the overdue loan and the remaining payment-holding money after the payment is finished.
As a preferred technical scheme of the invention, when judging whether overdue loans which are not paid exist at the current time under the client term, obtaining an overdue loan list under the client term, arranging the overdue loans in an ascending order according to the amount to be paid, and entering a balance transfer-out process if the overdue loan list is empty; and if the overdue loan exists, repayment is carried out in sequence according to the list sequence.
As a preferred technical scheme of the invention, after receiving the collection of payment under payment, the collection of payment under payment is transferred from a public account of a bank to a special payment account of a customer;
when the loan repayment is carried out, transferring the amount of due loan and the amount of overdue loan from a client repayment special household to a corresponding account of due loan repayment and an account of overdue loan repayment;
when the balance is transferred out, the balance amount is transferred from the client payment special account to the account of the client other bank.
As a preferred technical scheme of the invention, in the whole bill collection, borrowing and repayment and balance transfer process, a collection and repayment record table is established and updated in real time when the parameters change.
As a preferred technical solution of the present invention, the parameters of the collection and payment record table include: client number, collection amount, collection date, borrow number, appointed repayment date, balance amount, actual repayment date and repayment state.
As a preferable technical scheme of the invention, when balance transfer is carried out, a balance amount transfer record table is established and used for recording the balance transfer details of the client.
As a preferred technical solution of the present invention, the parameters of the balance amount transfer-out record table include: customer number, balance amount, and roll-out status.
A system for automatic collection, repayment and balance transfer of bills comprises a bill collection module, a borrowing and repayment module and a balance transfer module;
the bill collection module is used for calling a bill system to obtain collection and account condition according to the pre-obtained bill collection data, judging whether collection of the bill is received or not when the bill is due, calling a collection notification interface of the enterprise network credit online system to notify the enterprise network credit online system if collection is received, and starting a borrowing and repayment process;
the loan repayment module is used for calling the enterprise network loan online system to perform system judgment and determining whether to perform loan repayment, and calling a repayment online interface to perform repayment operation between a corresponding due loan repayment account and a corresponding overdue loan repayment account by a client repayment special customer if the loan repayment is performed;
and the balance transferring-out module is used for judging whether the balance amount of the remaining money collected after the borrowing and repayment is larger than zero or not, and if the balance amount is larger than zero, calling a transfer interface of a payment system and transferring the balance amount of the special client for repayment to an account of other clients.
A device for automatic collection, payment and balance transfer of bills comprises: a processor and a memory, the memory storing a computer program executable by the processor, the processor implementing the method when executing the computer program;
in conclusion, the invention has the following beneficial effects: based on a bank perfect technical architecture system, on the premise of guaranteeing capital safety, the functions of saving and lending are combined, the whole set of functions are realized automatically, manual intervention is not needed, the manual operation and maintenance cost is reduced, and originally independent processes are connected in series, so that the scientific and technological value is maximized; the functions of automatic repayment and balance transfer-out according to due loan are established, daily operation matters of customers are reduced, customer experience is improved, customer pain points are solved, and better service is provided for the customers; reduce the operation risk that manual intervention brought, avoid repayment fund by the manual handling.
Drawings
FIG. 1 is a flow chart of a method of the present invention;
FIG. 2 is a flow chart of the operation of the payment system of the present invention with respect to collection;
fig. 3 is a flow chart of the enterprise network credit online system executing batch tasks.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings.
As shown in fig. 1, the present invention provides a system and corresponding method for automatic collection, payment and balance transfer of bills, wherein the method comprises the following steps:
s1, a bill collection module is adopted to inquire pre-acquired bill collection data, whether a bill system receives collection of bills is judged when the bill collection date is reached, if collection is received, namely the amount of money accepted by the bills reaches a bank account, bill collection is completed, an enterprise network credit online system is informed to perform online collection and settlement through a collection informing interface of the enterprise network credit online system, a borrowing and repayment flow is started, meanwhile, a collection and repayment record form is established, a collection and payment record is added, and the parameters of the collection and repayment record form comprise: client number, collection amount, collection date, borrow number, appointed repayment date, balance amount, actual repayment date and repayment state;
in the actual process, as shown in fig. 2, if the payment system of the bank receives a collection, it may actively initiate a request for clearing through the bill collection module, and update the collection-receiving and accounting state in the bill system, after the bill is collected, the enterprise network credit online system will receive the collection result sent by the bill system, and at this time, a collection-receiving and repayment record table is established to register the collection-received bill borrowing relationship.
In this step, after receiving the collection of payment, the receipt system is called to inquire the customer payment special account corresponding to the bill, and the collection of payment is transferred from the bank public account, generally a spare payment account, to the customer payment special account, namely a clearing account.
Wherein, the collection and payment record table is shown as the following table:
the collection notification interface parameters of the enterprise network credit online system are as follows:
s2, a borrowing repayment process is started, an enterprise network loan online system is called through a borrowing repayment module to carry out system judgment, and when a repayment date is agreed on the loan, namely the loan due date, the loan due date is = the bill due date + the number of days later; the loan due date > the bill due date is guaranteed, whether an due loan and an overdue loan which are not yet paid exist at the current time under the condition of the client is judged, if yes, a repayment online interface is called to carry out repayment operation between a corresponding due loan repayment account and a corresponding overdue loan repayment account of a client repayment special household; in the process, as shown in fig. 3, the enterprise network loan online system performs batch tasks at the end of the day by means of the batch scheduling platform to repay the established collection payment record table due and the collected borrowed data.
Specifically, the method also comprises the following substeps:
s21, judging whether an outstanding due loan exists at the current time under the condition of the client, if so, paying the outstanding loan, and updating the state parameters of the outstanding loan and the remaining amount of the outstanding loan after the payment is finished;
after repayment of the due loan, making fund collection aiming at the amount to be transferred, inquiring overdue borrowing data existing under the name of the client, and returning the overdue borrowing data under the name of the client by using the balance amount, namely executing the next step;
s22, judging whether overdue loans which are not paid exist at the current time under the client item, if yes, obtaining an overdue loan list under the client item, arranging the overdue loans in an ascending order according to the amount to be paid, and if the overdue loan list is empty, entering a balance transfer-out process; if the overdue loan exists, repayment is carried out in sequence according to the list sequence, and then the overdue loan is repayed by using the remaining payment-holding money, and after the repayment is finished, the state parameter of the overdue loan and the remaining payment-holding money are updated.
The parameter table of the repayment online interface is shown as the following table:
and when the loan repayment is carried out, transferring the amount of the due loan and the amount of the overdue loan from the client repayment special household to the corresponding account of the due loan repayment and the corresponding account of the overdue loan repayment.
And S3, after the borrowing is repacked, judging whether the balance amount of the collection-supporting residual money is larger than zero through the balance transfer-out module, and if the balance amount is larger than zero, calling a transfer interface of the payment system to transfer the balance amount to an account of a customer bank by a special customer for repayment.
When balance transfer is carried out, a balance amount transfer record table is established and used for recording the balance amount transfer details of the client, and the parameters of the balance amount transfer record table comprise: customer number, balance amount, and roll-out status;
the balance amount transfer record table is as follows:
| CUST_NO | customer number | Customer identity in bank |
| SURPLUS_AMT | Balance amount | Balance amount under customer name |
| TRANSFER_STATUS | Out state | 0-not rotated out; 1-has rotated out |
And recording a balance roll-out state through the balance roll-out record table, triggering a balance roll-out module through the enterprise network credit online system batch scheduling platform at the end of the day, calling a payment remittance function according to the record which is not rolled out, finishing balance roll-out, and adjusting the roll-out state in the corresponding balance roll-out record table from 0 to not rolled out to 1 to rolled out after finishing balance roll-out.
It should be noted that, in the whole bill collection, borrowing and repayment and balance transfer process, the collection and repayment record table is updated in real time when the parameters in the record table change.
Corresponding to the system and the method, the invention also provides a device for automatically collecting, repaying and transferring out the balance of the bill, which comprises the following steps: a processor and a memory, the memory storing a computer program executable by the processor, the processor implementing the method when executing the computer program.
The invention has the advantages that: based on a bank perfect technical architecture system, on the premise of guaranteeing capital safety, the functions of saving and lending are combined, the whole set of functions are realized automatically, manual intervention is not needed, the manual operation and maintenance cost is reduced, and originally independent processes are connected in series, so that the scientific and technological value is maximized; the functions of automatic repayment and balance transfer-out according to due loan are established, daily operation matters of customers are reduced, customer experience is improved, customer pain points are solved, and better service is provided for the customers; reduce the operation risk that manual intervention brought, avoid repayment fund by the artificial use.
The above description is only a preferred embodiment of the present invention, and the protection scope of the present invention is not limited to the above embodiments, and all technical solutions belonging to the idea of the present invention belong to the protection scope of the present invention. It should be noted that modifications and adaptations to those skilled in the art without departing from the principles of the present invention should also be considered as within the scope of the present invention.
Claims (10)
1. A method for automatic collection, repayment and balance transfer of bills is characterized by comprising the following steps: the method comprises the following steps:
judging whether the collection of the bill is received or not when the due date of the bill is reached according to the pre-acquired bill collection data, finishing bill collection if the collection of the bill is received, and starting a borrowing and repaying process;
judging whether an expired loan and an overdue loan which are not paid yet exist at the current time under the condition of a client on the appointed repayment date of the loan, and if so, executing payment acceptance and repayment;
after deducting the repayment amount, updating the due loan state parameter, the overdue loan state parameter and the rest of the payment to finish the repayment of the borrowed data;
and after the borrowing is paid, if the balance amount still exists, transferring the balance amount to an account of a bank of the customer, and finishing balance transfer.
2. The method of claim 1, wherein the method comprises the steps of: in the borrowing and repayment process, whether an due loan which is not repayed exists at the current time under the condition of a client is judged, if yes, a collection is used for repayment of the due loan, and after the repayment is finished, the state parameter of the due loan and the remaining payment of the collection are updated;
and then judging whether the overdue loan which is not yet paid exists at the current time under the condition of the client, if so, paying the overdue loan by using the remaining payment-holding money, and updating the state parameters of the overdue loan and the remaining payment-holding money after the payment is finished.
3. The method of claim 2, wherein the method comprises the steps of: when judging whether overdue loans which are not paid exist at the current time under the client item, acquiring overdue loan lists under the client item, arranging the overdue loans according to the ascending order of the amount of money to be paid, and entering a balance transfer-out process if the overdue loan lists are empty; and if the overdue loan exists, repayment is carried out in sequence according to the list sequence.
4. The method of claim 3, wherein the method comprises the steps of: after the collection of the amount of the payment due to the payment acceptance is performed, transferring the collection from the public account of the bank to a special client for repayment;
when the loan repayment is carried out, transferring the amount of due loan and the amount of overdue loan from a client repayment special household to a corresponding account of due loan repayment and an account of overdue loan repayment;
when the balance is transferred out, the balance amount is transferred from the client payment special account to the account of the client other bank.
5. The method for automatic collection, payment and balance transfer of bills according to claim 4, wherein the method comprises the following steps: in the whole bill collection, borrowing and payment and balance transfer process, a collection and payment record table is established and is updated in real time when parameters in the record table change.
6. The method of claim 5, wherein the method comprises the steps of: the parameters of the collection and payment record table comprise: client number, collection amount, collection date, borrow number, appointed repayment date, balance amount, actual repayment date and repayment state.
7. The method for automatic collection, payment and balance transfer of bills according to claim 6, wherein the method comprises the following steps: when balance is transferred out, a balance amount transfer record table is established for recording the balance amount transfer details of the client.
8. The method of claim 7, wherein the method comprises the steps of: the parameters of the balance amount transfer record table comprise: customer number, balance amount, roll-out status.
9. A system for automatic bill collection, payment and balance transfer is characterized in that: the system comprises a bill collection module, a borrowing and repaying module and a balance transfer-out module;
the bill collection module is used for calling a bill system to obtain collection and account condition according to the pre-obtained bill collection data, judging whether collection of the bill is received or not when the bill is due, calling a collection notification interface of the enterprise network credit online system to notify the enterprise network credit online system if collection is received, and starting a borrowing and repayment process;
the loan repayment module is used for calling the enterprise network loan online system to perform system judgment and determining whether to perform loan repayment, and calling a repayment online interface to perform repayment operation between a corresponding due loan repayment account and a corresponding overdue loan repayment account by a client repayment special customer if the loan repayment is performed;
and the balance transferring-out module is used for judging whether the balance amount of the remaining money collected after the borrowing and repayment is larger than zero or not, and if the balance amount is larger than zero, calling a transfer interface of a payment system and transferring the balance amount of the special client for repayment to an account of other clients.
10. A device for automatic bill collection, payment and balance transfer is characterized in that: the method comprises the following steps: a processor and a memory, the memory storing a computer program executable by the processor, the processor implementing the method of any one of claims 1-8 when executing the computer program.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211150349.4A CN115545885A (en) | 2022-09-21 | 2022-09-21 | Method, system and device for automatically collecting bills, repaying bills and transferring balance out |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211150349.4A CN115545885A (en) | 2022-09-21 | 2022-09-21 | Method, system and device for automatically collecting bills, repaying bills and transferring balance out |
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| Publication Number | Publication Date |
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| CN115545885A true CN115545885A (en) | 2022-12-30 |
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| CN202211150349.4A Pending CN115545885A (en) | 2022-09-21 | 2022-09-21 | Method, system and device for automatically collecting bills, repaying bills and transferring balance out |
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| CN (1) | CN115545885A (en) |
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- 2022-09-21 CN CN202211150349.4A patent/CN115545885A/en active Pending
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