CN115601139A

CN115601139A - Automatic deduction method and device, electronic equipment and storage medium

Info

Publication number: CN115601139A
Application number: CN202211335747.3A
Authority: CN
Inventors: 董朝霞; 苏新锋; 侯鑫磊
Original assignee: Agricultural Bank of China
Current assignee: Agricultural Bank of China
Priority date: 2022-10-28
Filing date: 2022-10-28
Publication date: 2023-01-13

Abstract

The invention discloses an automatic deduction method, an automatic deduction device, electronic equipment and a storage medium. The method comprises the following steps: loading a pre-stored daily loan deduction list; acquiring an account posting message from at least one deposit system in real time; wherein the posting message includes at least one target deposit account for which deposit behavior exists; if the target deposit account is determined to be in the loan deduction list on the same day through a flow calculation tool and the deduction condition is met, generating a deduction message aiming at the target deposit account; and sending the deduction message to a loan system, so that the loan system deducts money from the target deposit account. The scheme of the invention realizes timely deduction of the account amount of each deposit account in the loan deduction list on the same day, and avoids the deduction failure caused by missing the deduction time point or being deducted in advance by a third party; and the scheme uses a flow calculation tool for judgment, so that the money deduction processing efficiency can be improved, and the money deduction timeliness is ensured.

Description

Automatic deduction method and device, electronic equipment and storage medium

Technical Field

The invention relates to the technical field of computers, in particular to an automatic deduction method, an automatic deduction device, electronic equipment and a storage medium.

Background

At present, commercial banks mostly adopt a mode of deducting money in batches at the end of a day to process loan repayment services, the time of deducting money in batches is limited, some banks deduct money only once at the end of a day, some banks deduct money for many times, but the time interval between the time of deducting money is long, customers deposit funds at the time of non-batch deducting money, the funds are possibly deducted by a third party platform in advance, the time of deducting money in batches at the same day is also possibly missed, so that the money deduction fails, and the money deduction efficiency is seriously influenced.

Disclosure of Invention

The invention provides an automatic deduction method, an automatic deduction device, electronic equipment and a storage medium.

According to an aspect of the present invention, there is provided an automatic deduction method, the method including:

loading a pre-stored daily loan deduction list;

acquiring an account posting message from at least one deposit system in real time; wherein the posting message comprises at least one target deposit account for which deposit behavior exists;

if the target deposit account is determined to be in the loan deduction list on the same day through a flow calculation tool and the deduction condition is met, generating a deduction message aiming at the target deposit account;

and sending the deduction message to a loan system, so that the loan system deducts money from the target deposit account.

According to another aspect of the present invention, there is provided an automatic deduction device, the device comprising:

the loading module is used for loading a pre-stored loan deduction list on the same day;

the system comprises an account entry information acquisition module, a transaction processing module and a transaction processing module, wherein the account entry information acquisition module is used for acquiring account entry information from at least one deposit system in real time; wherein the posting message comprises at least one target deposit account for which deposit behavior exists;

the judgment and message generation module is used for generating a deduction message aiming at the target deposit account if the target deposit account is determined to be in the loan deduction list on the same day through a flow calculation tool and the deduction condition is met;

and the message sending module is used for sending the deduction message to a loan system so that the loan system deducts money from the target deposit account.

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

at least one processor; and

a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory stores a computer program executable by the at least one processor, the computer program being executable by the at least one processor to enable the at least one processor to perform the automated deduction method according to an embodiment of the present invention.

According to another aspect of the present invention, there is provided a computer-readable storage medium storing computer instructions for causing a processor to implement the automatic deduction method according to the embodiment of the present invention when the computer instructions are executed.

According to the technical scheme of the embodiment of the invention, the deposit amount of each deposit account in the loan deduction list on the same day is deducted in time, and the deduction failure caused by missing the deduction time point or being deducted by a third party in advance is avoided; and the scheme uses a flow calculation tool to compare and judge the deduction condition, so that the deduction processing efficiency can be improved, and the deduction timeliness is ensured.

It should be understood that the statements in this section do not necessarily identify key or critical features of the embodiments of the present invention, nor do they necessarily limit the scope of the invention. Other features of the present invention will become apparent from the following description.

Drawings

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

Fig. 1 is a schematic flow chart of an automatic deduction method according to an embodiment of the present invention;

FIG. 2 is a flow chart illustrating an automatic deduction method according to a second embodiment of the present invention;

FIG. 3 is a schematic flow chart of an automatic deduction method according to a third embodiment of the present invention;

FIG. 4 is a logic diagram of an automatic deduction method according to a fourth embodiment of the present invention;

fig. 5 is a schematic structural diagram of an automatic money deducting device according to a fifth embodiment of the present invention;

fig. 6 is a schematic structural diagram of an electronic device implementing the automatic deduction method according to an embodiment of the present invention.

Detailed Description

In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

At present, loan systems of a plurality of banking institutions often adopt a day-end batch deduction mode to process loan repayment services, the batch deduction time points are limited, some loan systems of banks only deduct and receive once every day end, some can deduct and receive for a plurality of times, but the interval time among the deduction time points is long, customers deposit funds at non-batch deduction time points through a deposit system, the loan systems are possibly deducted and received by a third party platform in advance, the day-end batch deduction time points are also possibly missed, so that the deduction fails, and the deduction efficiency is seriously influenced. Based on this, the scheme of the embodiment is improved in the system structure, specifically, a message notification deduction system is newly deployed between the deposit system and the loan system, and the message notification deduction system is used for detecting the account-entering message of the deduction account in real time and notifying the loan system to deduct money according to the account-entering message, so that the effect of deduction in real time is realized, and the problem of deduction failure caused by the fact that the third-party platform deducts money in advance or exceeds the batch deduction time point on the day is avoided. The following embodiments can be referred to for the flow of automatic deduction implemented by the message-based deduction system.

Example one

Fig. 1 is a flowchart of an automatic deduction method according to an embodiment of the present invention, which is applicable to a case where loan repayment services are processed in multiple batches, and the method may be performed by an automatic deduction device, which may be implemented in hardware and/or software, and may be configured in an electronic device with a message notification deduction system.

As shown in fig. 1, the automatic deduction method includes:

and S101, loading a pre-stored current day loan deduction list.

The loan deduction list on the same day comprises a deposit account needing deduction on the same day and corresponding deduction information; the deduction information at least comprises a loan account, deduction deadline, full or partial deduction, total deduction amount, deduction starting amount and the like. In this embodiment, the loan deduction list on the same day is generated by the loan system N days in advance and sent to the message notification deduction system for storage, where the number N may be a numerical value greater than or equal to 1, and may be specifically set according to actual needs. It should be noted that the loan deduction list of the current day is generated N days in advance because it takes a certain time for the loan system to generate the loan deduction list of the current day, and if the loan deduction list of the current day is generated on the current day, in the generation process, if a loan user deposits funds into a corresponding deposit account, there may be early deduction by a third party, which may result in failure of bank deduction.

And at the beginning of the current day, the message informs the deduction system to load a prestored current-day loan deduction list from the memory of the deduction system so as to know the deposit account needing to be deducted on the current day and the corresponding deduction information thereof. And then the deposit and deduction can be realized according to the steps of S102-S104, thereby improving the efficiency of successful deduction.

S102, acquiring an account entry message from at least one deposit system in real time; wherein the posting message comprises at least one target deposit account for which deposit behavior exists.

In this embodiment, the message notification deduction system may be in communication connection with a plurality of deposit systems, and may obtain account balance information of the current day in each deposit system in real time, where the account balance information may be information of a change in a balance of at least one deposit account, for example, the account balance information includes expenditure information and an account entry message of at least one deposit account, and the account entry message may include at least one target deposit account where a deposit action exists.

Since some loan users usually deposit the corresponding deduction amount into the deposit account needing automatic deduction on the same day as the repayment day, the account entry message of the deposit account on the same day as the repayment day has an important meaning for timely deduction of the loan system. Therefore, the message notification deduction system can filter the account moving information of each deposit system and obtain the account entering information from the account moving information. Further, the deduction is made in accordance with the steps S103-S104.

S103, if the target deposit account is determined to exist in the loan deduction list on the same day through the flow calculation tool and the deduction condition is met, generating a deduction message aiming at the target deposit account.

In this embodiment, since the loan deduction list of the current day includes the deposit account on which the deduction operation needs to be performed on the current day, it can be determined whether the loan deduction needs to be performed on the target deposit account on the current day by comparing the target deposit account with the loan deduction list of the current day; optionally, whether the target deposit account exists in the loan deduction list on the same day can be determined based on the flow calculation tool, so that the comparison efficiency can be improved, and the timeliness of the deduction can be further improved due to the improvement of the comparison efficiency. For example, if the target deposit account exists in the loan deduction list on the same day, it is determined that the target deposit account needs to be deducted on the same day, and at this time, the flow calculation tool only needs to judge whether the target deposit account meets the deduction condition. Optionally, the stream calculating tool may determine whether the target deposit account satisfies the deduction condition according to the deduction information corresponding to the target deposit account and the balance of the target deposit account. The deduction condition comprises that the balance of the target deposit account is larger than a preset deduction amount, and the time of deposit action of the target deposit account does not exceed the deduction deadline; wherein the purpose of setting the deduction amount is to determine whether the balance of the target deposit account is sufficient. And if the deduction condition is met, generating a deduction message aiming at the target deposit account so as to prompt the loan system to deduct money from the target account in time.

And S104, sending the deduction message to the loan system, so that the loan system deducts money from the target deposit account.

In this embodiment, after the deduction message for the target deposit account is generated in S103, the deduction message is sent to the loan system. The loan system can obtain the deduction information corresponding to the target deposit account according to the self-stored daily loan deduction list, and further deduct money according to the deduction information. Therefore, for the loan user, through the steps of S101-S104, the effect of account entry and deduction is realized, so that the problem that the loan user fails to deduct the money because the loan user misses the time of fixed batch deduction in the day is avoided, and the money deduction efficiency of the loan system is further ensured.

The scheme of the invention realizes timely deduction of the account amount of each deposit account in the loan deduction list on the same day, and avoids the deduction failure caused by missing the deduction time point or being deducted in advance by a third party; and the scheme uses a flow calculation tool to compare and judge the deduction condition, so that the deduction processing efficiency can be improved, and the deduction timeliness is ensured.

Further, in this embodiment, at least one fixed time point is preset, so that the loan system deducts money of fixed batches from the deposit accounts which are not deducted money according to the loan deduction list stored in the loan system on the same day at the at least one fixed time point. Therefore, the loan system can carry out batch deduction according to a fixed time point, and can carry out targeted deduction according to the received deduction message at the fixed time point. Money deduction is achieved through two modes, and money deduction efficiency and success rate can be improved.

Example two

Fig. 2 is a flowchart of an automatic deduction method according to a second embodiment of the present invention. In this embodiment, a process of updating the money deduction list on the current day is added. Referring to fig. 2, the process flow of the method includes the following steps:

s201, loading a pre-stored daily loan deduction list.

S202, acquiring an account entry message from at least one deposit system in real time; wherein the posting message comprises at least one target deposit account for which deposit behavior exists.

And S203, if the target deposit account is determined to exist in the loan deduction list on the same day through the flow calculation tool and the deduction condition is met, generating a deduction message aiming at the target deposit account.

And S204, sending the deduction message to the loan system, so that the loan system deducts money from the target deposit account.

For details of the steps S201 to S204, reference may be made to the above embodiments, which are not described herein again.

In this embodiment, after the loan system is notified to deduct money from the target deposit account, the information notification system needs to update the loan deduction list in the day in time, so as to avoid repeated deduction. The specific updating process can be seen in S205-S206, or S207-S208.

And S205, receiving a deduction success message which is sent by the loan system and aims at the target deposit account.

And S206, updating the loan deduction list on the same day according to the deduction success message.

In this embodiment, after notifying the loan system to deduct the money from the target deposit account, the message notification deduction system determines that the target deposit account has been successfully deducted if a message for successful deduction of the target deposit account sent by the loan system is received, and at this time, the message notification deduction system updates the current-day loan deduction list according to the message for successful deduction. That is, the target deposit account is deleted in the loan deduction list on the same day, so that the situation that the loan user repeatedly deducts money when depositing money into the target deposit account on the same day is avoided. It should be noted that, because a daily loan deduction list is also stored in the loan system, after the loan system completes deduction of the target deposit account, the loan system also updates the daily loan deduction list stored in the loan system itself, so as to avoid repeated deduction of the target deposit account when the loan system performs batch deduction at a fixed time point.

In the embodiment, the loan system deducts the fixed batch according to the latest loan deduction list stored in the loan system on the current day at least one fixed time point and generates a deduction success message about the fixed batch deduction. In order to avoid the message notification deduction system sending a deduction message aiming at the account with the successful deduction to the loan system, after each batch deduction is completed, the instruction message notifies the deduction system to update the loan deduction list stored in the deduction system on the current day. See, in particular, S207-S208.

And S207, receiving a deduction success message which is sent by the loan system and is about deduction of the fixed batch.

And S208, updating the loan deduction list on the current day according to the deduction success message.

The information of the successful deduction of the fixed batch of deductions at least comprises the information of the deposit accounts which are successfully deducted, so that when the deduction list of the loan on the same day is updated according to the information of the successful deduction, the deposit accounts which are successfully deducted in batches are removed from the loan deduction list on the same day. Therefore, even if the deposit account which completes the batch deduction deposits the fund which exceeds the deduction amount in the same day, the deduction system is not informed to repeatedly deduct money.

In this embodiment, the loan deduction list on the current day is updated, so that the problem of repeated deduction can be avoided.

EXAMPLE III

Fig. 3 is a flowchart of an automatic deduction method according to a third embodiment of the present invention. Referring to fig. 3, the process flow of the method includes the following steps:

s301, loading a pre-stored money deduction list of the loan on the day.

The loan deduction list on the same day comprises a deposit account needing deduction on the same day and deduction information corresponding to the deposit account; the deduction information at least comprises a loan account, deduction deadline, full or partial deduction, total deduction amount, deduction starting amount and the like.

In this embodiment, when the loan user repays, there are two cases: (1) The loan user deposits the amount to be deducted into the deposit account to be automatically deducted before the loan repayment date. (2) The loan user deposits corresponding amount into the deposit account on the day of loan repayment.

For the first case, a deduction message may be generated as per the steps of S302-S303. For the second case, a deduction message may be generated as per steps S304-S305.

S302, the balance of each deposit account included in the loan deduction list on the current day is inquired in sequence.

And S303, if the fact that the deposit account meets the deduction condition is determined according to the deduction information corresponding to the deposit account and the balance of the deposit account, generating a deduction message aiming at the deposit account.

Optionally, if the balance of the deposit account in the loan deduction list on the same day is greater than the deduction amount corresponding to the deposit account, and it is determined that the deposit account meets the deduction condition, generating a deduction message for the deposit account, and further sending the deduction message to the loan system, so that the loan system deducts money from the target deposit account.

S304, acquiring an account entry message from at least one deposit system in real time; wherein the posting message comprises at least one target deposit account for which deposit behavior exists.

S305, if the target deposit account is determined to exist in the loan deduction list on the same day through the flow calculation tool and the deduction condition is met, generating a deduction message aiming at the target deposit account.

For a detailed description of steps S304-S305, reference may be made to the above embodiments, which are not repeated herein.

And S306, sending the deduction message to the loan system, so that the loan system deducts money from the target deposit account.

In the embodiment, the deduction notification is generated in different modes according to the time of the loan user for depositing the sum into the deposit account, so that the loan system can be timely notified to deduct the corresponding account.

Further, the loan system can also generate a loan deduction list of the next day in idle and send the loan deduction list to the message deduction system for storage. Optionally, the message informs the deduction system to receive and store a loan deduction list of the next day sent by the loan system in a preset file form. Therefore, the loan deduction list of the next day is generated in advance, so that the next day can be directly used. It should be noted that if the loan deduction list is generated on the same day, if a loan user deposits funds into a corresponding deposit account in the generation process, there may be a problem that the loan user is deducted in advance by a third party to cause a bank deduction failure.

Example four

Fig. 4 is a logic flow diagram of an automatic deduction method according to a fourth embodiment of the present invention. Referring to fig. 4, the logic of the method is implemented based on a loan system, a message notification deduction system and at least one deposit system, and the logic flow comprises the following steps:

aiming at the information notification deduction system, on the day of loan repayment, the information notification deduction system (constructed based on a flow calculation tool) loads a loan deduction list on the day; the loan deduction list on the same day is sent to the message deduction system by the loan system in a file form one day in advance, and at least comprises information such as a loan account, a deposit account needing deduction, the deduction amount and the like. After the message notification deduction system is loaded, firstly detecting whether the balance of the deposit account in the list is sufficient, namely judging whether a deduction condition is met, and if so, generating a deduction notification message. Meanwhile, a deposit account-entering message is received from at least one deposit system, and whether a loan deduction notification message is generated or not is judged through a stream calculation tool according to the account-entering information, the associated deduction account information and the deduction list on the current day, and the specific judgment process can be referred to the description of the above embodiment. And if the deduction notification message is generated, sending the deduction notification message to the loan system so as to notify the loan system to deduct money for the related deposit account. Further, the message notification deduction system also receives a deduction success message, and updates the loan deduction list on the same day according to the deduction success message so as to avoid the repeated deduction condition.

For the loan system, the batch deduction is fixed at first, and at least the final deduction of every day is included. Further, when receiving a deduction notification message sent by the deduction notification system, executing the deduction transaction of the message notification. After the deduction is completed, whether the deduction is carried out in batch or the deduction is carried out through message notification, a deduction success message is generated and fed back to the message notification deduction system, and therefore the message notification deduction system can update the deduction list on the day. In addition, the loan system generates a loan deduction list of the next day and sends the loan deduction list to the information deduction system for saving by file running.

In this embodiment, the loan system may not only deduct money in batches at a fixed time point, but also deduct money in a targeted manner according to the received deduction message at the fixed time point. The money deduction can be realized in two modes, and the money deduction efficiency and success rate can be improved.

EXAMPLE five

Fig. 5 is a schematic structural diagram of an automatic payment apparatus according to a fifth embodiment of the present invention, which is applicable to a situation of processing loan repayment services in multiple batches. As shown in fig. 5, the apparatus includes:

the loading module 501 is configured to load a pre-stored daily loan deduction list;

an account information acquiring module 502, configured to acquire an account information in real time from at least one deposit system; wherein the posting message comprises at least one target deposit account with deposit behavior;

a judgment and message generation module 503, configured to generate a deduction message for the target deposit account if it is determined by the flow calculation tool that the target deposit account exists in the loan deduction list of the current day and meets a deduction condition;

and a message sending module 504, configured to send the deduction message to the loan system, so that the loan system deducts money from the target deposit account.

On the basis of the above embodiment, optionally, the deduction condition includes that the balance of the target deposit account is greater than a preset deduction amount, and the time of the deposit action of the target deposit account does not exceed the deduction deadline.

On the basis of the above embodiment, optionally, the method further includes:

the first message receiving module is used for receiving a deduction success message which is sent by the loan system and aims at the target deposit account;

and the first updating module is used for updating the loan deduction list on the current day according to the deduction success message.

On the basis of the above embodiment, optionally, the loan system deducts money of a fixed batch according to the loan deduction list of the day stored in the loan system at least one fixed time point, and generates a deduction success message about the deduction of the fixed batch;

correspondingly, the device also comprises:

the second message receiving module is used for receiving a deduction success message which is sent by the loan system and is about deduction of fixed batches;

and the second updating module is used for updating the loan deduction list on the current day according to the deduction success message.

On the basis of the above embodiment, optionally, the loan deduction list on the same day includes a deposit account which needs to be deducted on the same day and deduction information corresponding to the deposit account;

correspondingly, the method also comprises the following steps:

the query module is used for sequentially querying the balance of each deposit account included in the loan deduction list on the same day after loading the prestored loan deduction list on the same day;

and the message generating module is used for generating a deduction message aiming at the deposit account if the deposit account meets the deduction condition according to the deduction message corresponding to the deposit account and the balance of the deposit account.

On the basis of the above embodiment, optionally, the method further includes:

and the list receiving module is used for receiving and storing the next day loan deduction list sent by the loan system in a preset file form.

The automatic deduction device provided by the embodiment of the invention can execute the automatic deduction method provided by any embodiment of the invention, and has corresponding functional modules and beneficial effects of the execution method.

EXAMPLE six

FIG. 6 illustrates a schematic structural diagram of an electronic device 10 that may be used to implement an embodiment of the present invention. Electronic devices are intended to represent various forms of digital computers, such as laptops, desktops, workstations, personal digital assistants, servers, blade servers, mainframes, and other appropriate computers. The electronic device may also represent various forms of mobile devices, such as personal digital assistants, cellular phones, smart phones, wearable devices (e.g., helmets, glasses, watches, etc.), and other similar computing devices. The components shown herein, their connections and relationships, and their functions, are meant to be exemplary only, and are not meant to limit implementations of the inventions described and/or claimed herein.

As shown in fig. 6, the electronic device 10 includes at least one processor 11, and a memory communicatively connected to the at least one processor 11, such as a Read Only Memory (ROM) 12, a Random Access Memory (RAM) 13, and the like, wherein the memory stores a computer program executable by the at least one processor, and the processor 11 can perform various suitable actions and processes according to the computer program stored in the Read Only Memory (ROM) 12 or the computer program loaded from a storage unit 18 into the Random Access Memory (RAM) 13. In the RAM13, various programs and data necessary for the operation of the electronic apparatus 10 can also be stored. The processor 11, the ROM12, and the RAM13 are connected to each other via a bus 14. An input/output (I/O) interface 15 is also connected to bus 14.

A number of components in the electronic device 10 are connected to the I/O interface 15, including: an input unit 16 such as a keyboard, a mouse, or the like; an output unit 17 such as various types of displays, speakers, and the like; a storage unit 18 such as a magnetic disk, an optical disk, or the like; and a communication unit 19 such as a network card, modem, wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information/data with other devices via a computer network, such as the internet, and/or various telecommunication networks.

The processor 11 may be a variety of general and/or special purpose processing components having processing and computing capabilities. Some examples of processor 11 include, but are not limited to, a Central Processing Unit (CPU), a Graphics Processing Unit (GPU), various specialized Artificial Intelligence (AI) computing chips, various processors running machine learning model algorithms, a Digital Signal Processor (DSP), and any suitable processor, controller, microcontroller, or the like. The processor 11 performs the various methods and processes described above, such as performing an automated debit method.

In some embodiments, the automated debit method may be implemented as a computer program tangibly embodied in a computer-readable storage medium, such as storage unit 18. In some embodiments, part or all of the computer program may be loaded and/or installed onto the electronic device 10 via the ROM12 and/or the communication unit 19. When the computer program is loaded into RAM13 and executed by processor 11, one or more steps of the automated debit method described above may be performed. Alternatively, in other embodiments, the processor 11 may be configured to perform the automated debit method by any other suitable means (e.g., by means of firmware).

Various implementations of the systems and techniques described here above may be implemented in digital electronic circuitry, integrated circuitry, field Programmable Gate Arrays (FPGAs), application Specific Integrated Circuits (ASICs), application Specific Standard Products (ASSPs), system on a chip (SOCs), complex Programmable Logic Devices (CPLDs), computer hardware, firmware, software, and/or combinations thereof. These various embodiments may include: implemented in one or more computer programs that are executable and/or interpretable on a programmable system including at least one programmable processor, which may be special or general purpose, receiving data and instructions from, and transmitting data and instructions to, a storage system, at least one input device, and at least one output device.

A computer program for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus, such that the computer programs, when executed by the processor, cause the functions/acts specified in the flowchart and/or block diagram block or blocks to be performed. A computer program can execute entirely on a machine, partly on a machine, as a stand-alone software package partly on a machine and partly on a remote machine or entirely on a remote machine or server.

In the context of the present invention, a computer-readable storage medium may be a tangible medium that can contain, or store a computer program for use by or in connection with an instruction execution system, apparatus, or device. A computer readable storage medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. Alternatively, the computer readable storage medium may be a machine readable signal medium. More specific examples of a machine-readable storage medium would include an electrical connection based on 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 compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

To provide for interaction with a user, the systems and techniques described here can be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to a user; and a keyboard and a pointing device (e.g., a mouse or a trackball) by which a user can provide input to the electronic device. Other kinds of devices may also be used to provide for interaction with a user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form, including acoustic, speech, or tactile input.

The systems and techniques described here can be implemented in a computing system that includes a back-end component (e.g., as a data server), or that includes a middleware component (e.g., an application server), or that includes a front-end component (e.g., a user computer having a graphical user interface or a web browser through which a user can interact with an implementation of the systems and techniques described here), or any combination of such back-end, middleware, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: local Area Networks (LANs), wide Area Networks (WANs), blockchain networks, and the internet.

The computing system may include clients and servers. A client and server are generally remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other. The server can be a cloud server, also called a cloud computing server or a cloud host, and is a host product in a cloud computing service system, so that the defects of high management difficulty and weak service expansibility in the traditional physical host and VPS service are overcome.

It should be understood that various forms of the flows shown above may be used, with steps reordered, added, or deleted. For example, the steps described in the present invention may be executed in parallel, sequentially, or in different orders, and are not limited herein as long as the desired results of the technical solution of the present invention can be achieved.

The above-described embodiments should not be construed as limiting the scope of the invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may be made in accordance with 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. An automatic deduction method is characterized by comprising the following steps:

loading a prestored money deduction list of the loan on the same day;

2. The method of claim 1, wherein the deduction condition comprises that the balance of the target deposit account is greater than a preset deduction amount, and the time of deposit action of the target deposit account does not exceed a deduction deadline.

3. The method of claim 1, further comprising:

receiving a deduction success message which is sent by the loan system and aims at the target deposit account;

and updating the loan deduction list on the same day according to the deduction success message.

4. The method according to claim 1, wherein the loan system makes a fixed batch deduction according to a self-stored daily deduction list at least one fixed time point and generates a deduction success message about the fixed batch deduction;

correspondingly, the method further comprises the following steps:

receiving a deduction success message which is sent by the loan system and relates to deduction of a fixed batch;

5. The method according to claim 1, wherein the daily loan deduction list comprises a deposit account needing the daily deduction and corresponding deduction information;

correspondingly, after loading the pre-stored list of the loan deduction on the day, the method further comprises the following steps:

sequentially inquiring the balance of each deposit account included in the loan deduction list on the same day;

and if the fact that the deposit account meets the deduction condition is determined according to the deduction information corresponding to the deposit account and the balance of the deposit account, generating a deduction message aiming at the deposit account.

6. The method of claim 1, further comprising:

and receiving and storing a loan deduction list of the next day sent by the loan system in a preset file form.

7. An automatic deduction device, comprising:

the deposit information acquisition module is used for acquiring a deposit message from at least one deposit system in real time; wherein the posting message comprises at least one target deposit account for which deposit behavior exists;

8. The apparatus of claim 7, wherein the deduction condition comprises that a balance of the target savings account is greater than a preset deduction amount, and a time for the target savings account to perform a savings action does not exceed a deduction deadline time.

9. An electronic device, comprising:

at least one processor; and

the memory stores a computer program executable by the at least one processor to enable the at least one processor to perform the method of any one of claims 1-6.

10. A computer-readable storage medium storing computer instructions for causing a processor to perform the method of any one of claims 1-6 when executed.