CN115641126A - Accounting data processing method and device - Google Patents

Abstract

The invention provides an accounting data processing method and device, and the corresponding method comprises the following steps: firstly, receiving current accounting data of a user and a preset staging threshold of the accounting data; then, receiving the staging intention of the user for the current financial data through a pos machine; and finally, processing the current financial data according to the staging threshold and the staging intention. The financial data processing method and device provided by the invention greatly improve the experience of a user in card swiping.

Description

Accounting data processing method and device

Technical Field

The application belongs to the technical field of computer data processing, and particularly relates to an accounting data processing method and device.

Background

In the prior art, the current installment payment is made by the user by swiping the card at pos. After the card is swiped, the user finds the consumption record automatically through a mobile phone bank, the installment payment is carried out, and when the user goes home and forgets, installment transaction of the user is influenced, so that the user experience is poor.

Disclosure of Invention

The financial data processing method and device provided by the invention can be used in the technical field of application of computer data processing technology in finance, and can also be used in any field except the finance field.

In order to solve the technical problems, the invention provides the following technical scheme:

in a first aspect, the present invention provides an accounting data processing method, including:

receiving current accounting data of a user and a preset staging threshold of the accounting data;

receiving an installment intention of a user for the current financial data through a pos machine;

and processing the current financial data according to the staging threshold and the staging intention.

In one embodiment, the intent to stage includes: agreeing to stage the current accounting data and refusing to stage the current accounting data.

In one embodiment, the processing the current accounting data according to the installment threshold and the installment intent comprises:

and when the staging intention agrees to stage the current financial data, pushing a predetermined staging scheme to the user.

In one embodiment, the processing the current accounting data according to the installment threshold and the installment intent further comprises:

and when the staging intention is to refuse to stage the current financial data, pushing the current financial data to a user.

In a second aspect, the present invention provides an accounting data processing method and apparatus, where the apparatus includes:

the accounting data receiving module is used for receiving the current accounting data of the user and a preset staging threshold of the accounting data;

an installment intention receiving module, which is used for receiving the installment intention of the current financial data by the user through a pos machine;

and the accounting data processing module is used for processing the current accounting data according to the staging threshold and the staging intention.

In one embodiment, the staging interest includes: agreeing to stage the current accounting data and refusing to stage the current accounting data.

In one embodiment, the accounting data processing module includes:

and the staging scheme pushing unit is used for pushing a predetermined staging scheme to the user when the staging intention agrees to stage the current financial data.

In one embodiment, the accounting data processing module further includes:

and the current accounting pushing unit is used for pushing the current accounting data to the user when the staging intention is to refuse to stage the current accounting data.

In a third aspect, the invention provides a computer program product comprising computer programs/instructions which, when executed by a processor, implement the steps of a method of accounting data processing.

In a fourth aspect, the present invention provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the accounting data processing method when executing the program.

In a fifth aspect, the present invention provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of a method of accounting data processing.

As can be seen from the above description, an embodiment of the present invention provides an accounting data processing method and apparatus, including: firstly, receiving current accounting data of a user and a preset staging threshold of the accounting data; then, receiving the current accounting data staging intention of the user through the pos machine; and finally, processing the current financial data according to the staging threshold and the staging intention. The financial data processing method and device provided by the invention greatly improve the experience of the user in card swiping.

Drawings

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

Fig. 1 is a schematic flow chart illustrating an accounting data processing method according to an embodiment of the present invention;

fig. 2 is a first flowchart illustrating a step 300 of the accounting data processing method according to an embodiment of the present invention;

fig. 3 is a second flowchart illustrating step 300 of the accounting data processing method according to an embodiment of the present invention;

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

fig. 5 is a block diagram of the accounting data processing module 30 according to the first embodiment of the present invention;

fig. 6 is a block diagram of the accounting data processing module 30 according to the embodiment of the present invention;

fig. 7 is a schematic structural diagram of an electronic device in an embodiment of the invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, 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 some embodiments of the present invention, but not all 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.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

It should be noted that the terms "comprises" and "comprising," and any variations thereof, in the description and claims of this application and the above-described drawings, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.

It should be noted that, in the present application, the embodiments and features of the embodiments may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.

An embodiment of the present invention provides a specific implementation of an accounting data processing method, and referring to fig. 1, the method specifically includes the following steps:

step 100: receiving current accounting data of a user and a preset staging threshold of the accounting data;

the current accounting data includes: the transaction amount, the transaction time, the transaction location, and the transaction object of the current transaction. The installment threshold is a value that the user previously stored in the server or other background devices, and when the value is greater than the value, the user selects installment, and when the value is less than the value, the user selects full payment.

Step 200: receiving, by a pos machine, an installment intent of a user for the current accounting data.

Preferably, the intent-to-stage includes: agreeing to stage the current accounting data and refusing to stage the current accounting data.

It can be understood that the Chinese meaning of the POS machine (Point of sales) is 'Point of sale', which is totally called as a Point of sale information management system, and is a terminal reader equipped with bar code or OCR code technology, and has cash or barter function. The main task is to provide data service and management function for commodity and media transaction and to perform cashless settlement. The POS is a multifunctional terminal, is installed in special commercial tenants of credit cards and accepting network points to form a network with a computer, can realize automatic electronic fund transfer, has the functions of supporting consumption, pre-authorization, balance inquiry, transfer and the like, and is safe, quick and reliable to use.

The POS system is based on the principle that commodity data is firstly created in a computer file, and through an online framework of a computer cash register, after bar codes on commodities can be directly read in through an optical reading device on the cash register (or codes are directly input through a keyboard), commodity information (unit price, department and discount) can be displayed on the commodities so as to accelerate the cash register speed and accuracy. Each commodity selling detail data (selling price, department, time period, customer layer) is automatically recorded and then sent back to the computer by the on-line architecture. Through computer calculation, various kinds of sales statistical analysis information can be generated as the basis of management and management.

The POS machine reads the magnetic stripe information of the card holder on the bank card through the card reader, the POS operator inputs the transaction amount, the card holder inputs the personal identification information (namely the password), the POS sends the information to the card sending bank system through the UnionPay center, the online transaction is completed, the information of success or failure is given, and the corresponding bill is printed. The application of the POS realizes the online consumption of bank cards such as credit cards, debit cards and the like, ensures the safety, rapidness and accuracy of transactions, avoids the complex labor of manually inquiring blacklists, pressing lists and the like, and improves the working efficiency.

Step 300: and processing the current financial data according to the staging threshold and the staging intention.

As can be seen from the above description, an embodiment of the present invention provides an accounting data processing method, including: firstly, receiving current accounting data of a user and a preset staging threshold of the accounting data; then, receiving an installment intention of the current financial data of the user through the pos machine; and finally, processing the current accounting data according to the staging threshold and the staging intention. The financial data processing method and device provided by the invention greatly improve the experience of the user in card swiping.

In one embodiment, the staging interest includes: agreeing to stage the current accounting data and refusing to stage the current accounting data.

In one embodiment, referring to fig. 2, step 300 comprises:

step 301: and when the staging intention agrees to stage the current financial data, pushing a predetermined staging scheme to the user.

Specifically, the relationship between the transaction amount of the current financial data and the staging threshold is compared, and when the transaction amount of the current financial data is larger than the staging threshold and the staging intention of the user is received through the POS machine to agree to stage the current financial data, the staging scheme is pushed to the user by the background.

The staging scheme can be formulated by selecting a machine learning algorithm, specifically, a user portrait model is established, and the first step of user portrait modeling is to realize unification. The unique user identifier is the core of the whole user portrait, and takes an App as an example, and the App is used for serially connecting all user behaviors from the beginning of use of the App by the user to the ordering to the after sale, and the whole process, so that the characteristics of a user can be better tracked and analyzed.

The second step in user representation modeling is to implement tagging. Analyzing user behaviors: user labeling: it includes gender, age, region, income, academic calendar, occupation, etc., which are basic attributes of the user. Consumption label: consumption habits, buying intent, whether or not sensitive to promotions. These are used to analyze the consumption habits of the user. Behavior tag: time period, frequency, duration, access path. These are through analysis of user behavior to derive their habits of using apps.

If the process of modeling the user portrait is divided according to the stage of data stream processing, the process can be divided into a data layer, an algorithm layer and a business layer. Different labels need to be applied to different layers.

The data layer refers to labels of consumption of the user, borrowing amount, borrowing application, daily accommodation and the like, and the labels can be marked with 'fact labels' as objective records of data. The algorithm layer refers to user modeling calculated through the behaviors, and can be marked with a model label to serve as a classification identifier of the user portrait. The business layer refers to means for acquiring, sticking and leaving guests, and can be marked with a 'prediction label' as a result of business association. After the user portrait is taken, a proper algorithm is selected according to fund adaptation and related service scenes, and a collaborative filtering algorithm is selected in a limited mode.

Collaborative filtering algorithm based on users: recommendation algorithms based on user behavior analysis are important algorithms for personalized recommendation systems, and this type of algorithms is generally called collaborative filtering algorithm (collaborative filtering algorithm). As the name implies, collaborative filtering means that a user can take care of collaborating with each other, and through continuous interaction with a website, a recommendation list of the user can continuously filter out uninteresting articles, so that the user's needs are more and more satisfied.

Since it is necessary to express the behavior of the user based on the behavior analysis of the user, the following provides a way of expressing the behavior of the user (of course, the behavior generated by each user is different in different systems), which divides the behavior expression of the user into 6 parts, namely, the object of the user and the behavior generating the behavior, the kind of the behavior, the context of the generating behavior, the content and the weight of the behavior. The neighborhood-based method mainly comprises the following two algorithms:

a User-based collaborative filtering algorithm (User-based collaborative filtering), abbreviated as UserCF or UCF, recommends to a User items liked by other users similar to his interests.

An Item-based collaborative filtering algorithm (Item-based collaborative filtering), abbreviated as ItemCF or ICF, recommends to the user items similar to what he previously liked.

In a personalized recommendation system, when a user A needs personalized recommendation, other users with similar interests can be found, and then items which are liked by the users and not heard by the user A are recommended to the user A. This approach is called a user-based collaborative filtering algorithm.

The collaborative filtering algorithm based on the user mainly comprises two steps:

and finding a set of users with similar interests to the target user A.

And finding the items which are liked by other users in the user set and are not heard by the target user, and recommending the items to the target user.

The key point of step 1 is to calculate the interest similarity of two users. The collaborative filtering algorithm mainly utilizes the similarity of behaviors to calculate the similarity of interests.

Through the concept, the collaborative filtering algorithm calculates the similarity between users by finding the articles which the users are interested in and carries out recommendation, and then the method can be introduced when the fund is adapted in good stages, so that the calculation efficiency is improved. For example, users similar to the basic information of the user a can be found through the basic information of the user a, the users become a set, then the fund parties adapted to the users are counted, and a fund party ranks the set of the users through calculation, so that a more excellent calculation sequence can be provided for the user a.

(1) User-based nearest neighbor recommendation summary

The main idea of the nearest neighbor recommendation based on the user is as follows: firstly, taking an input scoring data set and a current user ID as input, and finding out other users with similar preference to the current user in the past, wherein the users are called peer-to-peer users or nearest neighbors; then, for each fund party P which is not adapted to the current user, predicting the score of the fund party P by utilizing the neighbors of the user; and finally, selecting the TopN recommendations with the highest scores of all fund parties to the current user.

(2) Preconditions/assumptions

If a user has similar preferences in the past, the user will also have similar preferences in the future, and the user's preferences will not change over time.

(3) Computing method

Pearson/Pearson correlation coefficient (Pearson correlation coefficient) is used to represent the correlation between two users, with the value range of [ -1, +1], +1 representing strong negative correlation, +1 representing strong positive correlation, and 0 representing no correlation.

According to a series of conditions such as rate, interest, amount and usage, real-time calculation is carried out (specific access conditions of each fund party are combined), adaptability scoring is carried out according to the condition of the user and the condition of the fund party, and finally the user is adapted to the most appropriate fund party. The following describes the computational logic of good stages with a user-based collaborative filtering algorithm:

for example, when it is desired to match funders for user a, the similarity between them is first checked. When the similarity of the user A, the user B and the user C is found to be high, the three users can be regarded as a group, and the three users have the same preference. The fund party which is already adapted before the group is analyzed, and the fund party is preferentially calculated and sequenced, so that the calculation efficiency can be greatly improved.

In fund adaptation, basic conditions such as use, rate, place of residence, address and the like of a user can be classified. This document is only exemplary by use and rate.

According to the basic information of the user. And checking a similarity list between the users and the capital parties, and simultaneously labeling and grouping categories to finally obtain the adaptability of the user and the capital parties, wherein for example, the labeled information of the A user comprises N1, N2 and N3, and the labeled information of the D user comprises N2, N3 and N4. Next, an attempt is made to calculate the similarity between a and D: as can be seen from the "basic information", the basic information possessed by both a and D is N2. User a flagging information =3, user D flagging information =3. The similarity between A and D is 1/3.

After the similarity between users is obtained, what is next to be done is to make an adaptation recommendation, and assuming that both user C and user D (the group) have successfully adapted with funder X (the most appropriate funder calculated before), then the degree of adaptation of user a with funder X is preferentially calculated. And finally, carrying out corresponding recommendation according to the result of the calculation of the adaptation degree, and adapting the corresponding fund party to the user.

In one embodiment, referring to fig. 3, step 300 further comprises:

step 302: and when the staging intention is to refuse to stage the current financial data, pushing the current financial data to a user.

In this case, even if the transaction amount of the current accounting data is greater than the staging threshold, the accounting staging scheme does not need to be pushed to the user, that is, the current selection of the user is sufficiently accurate, so that the user satisfaction reaches the best.

The invention also provides a concrete implementation mode of the accounting data processing method, which comprises the following steps: the user firstly sets the payment amount by stages according to the APP of the mobile phone bank, for example 1000, when the user conducts consumption card swiping, the pos machine reads user information, and simultaneously reads the payment threshold value (1000) of the current card, the bank system reminds the user whether to conduct payment by stages, the user refuses, the cashier clicks a 'no' button in the pos machine to directly conduct normal card swiping, if the user agrees, the bank background system pushes information to the user after logging in the mobile phone bank, the information comprises the mode of stage, the period number, the money number of each stage and interest, the user submits the information after selecting, the bank background system sends the information to the current pos, the current pos machine receives the information of stage, clicks and confirms, the stage is directly conducted, after the stage is finished, the user retains a signature, and meanwhile, the bank deduction information after the stage is successful is sent to the mobile phone of the user or a short message.

The two-dimensional code division period is the same as that: the user shows payment through a mobile banking APP, after the payment code is obtained, the amount of money is obtained through the payment code, whether the amount of money is a staging threshold value of a current card of the user is checked, if yes, the user is inquired whether staging is carried out, if yes, information such as staging information and interest is directly displayed, the user makes a deal after selecting the information, and if not, normal deduction is directly carried out.

The staging threshold is set according to the card of the user, and each card can be set with one staging threshold.

After a user inserts a bank card into a pos machine, the pos obtains user information and current bank card information, a bank card staging threshold value is obtained, then the pos obtains the current transaction amount of the user, the system checks the size between the transaction amount and the threshold value, then the bank system sends staging reminding information to the pos machine, after the pos machine receives the staging reminding information, a cashier informs the reminding information to the user, the user selects to reject the transaction, the transaction is conducted directly, and if the POS machine agrees, the information is sent to a mobile phone bank of the user. Receiving the staging information filled by the user via the mobile phone

And the mobile phone bank module is used for checking specific data of the stage after the mobile phone bank receives the stage information, selecting a proper stage mode and clicking to submit the data.

And meanwhile, the user is supported to self-define the installment payment amount, after the user logs in a mobile phone bank, the system pushes installment payment amount and the amount of each period to the user, the user can modify the amount of the selected installment mode by himself, and after the modification, the total amount of the installment and the total amount of the installment are unchanged.

Based on the same inventive concept, the embodiment of the present application further provides an accounting data processing apparatus, which may be used to implement the methods described in the foregoing embodiments, such as the following embodiments. Because the principle of solving the problem of an accounting data processing device is similar to that of an accounting data processing method, the implementation of an accounting data processing device can refer to the implementation of an accounting data processing method, and repeated parts are not described again. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. While the system described in the embodiments below is preferably implemented in software, implementations in hardware, or a combination of software and hardware are also possible and contemplated.

An embodiment of the present invention provides a specific implementation manner of an accounting data processing apparatus capable of implementing an accounting data processing method, and referring to fig. 4, the accounting data processing apparatus specifically includes the following contents:

the accounting data receiving module 10 is configured to receive current accounting data of a user and a preset staging threshold of the accounting data;

an installment intention receiving module 20, configured to receive an installment intention of the current accounting data from the user through the pos machine;

and the accounting data processing module 30 is configured to process the current accounting data according to the staging threshold and the staging intention.

In one embodiment, the staging interest includes: agreeing to stage the current accounting data and refusing to stage the current accounting data.

In one embodiment, referring to fig. 5, the accounting data processing module 30 includes:

an installment scheme pushing unit 301, configured to push a predetermined installment scheme to the user when the installment intention agrees to installment of the current accounting data.

In one embodiment, referring to fig. 6, the accounting data processing module 30 further includes:

a current accounting pushing unit 302, configured to push the current accounting data to the user when the installment intent is to refuse to perform installment on the current accounting data.

As can be seen from the above description, an embodiment of the present invention provides an accounting data processing apparatus, including: firstly, receiving current financial data of a user and a preset staging threshold of the financial data; then, receiving an installment intention of the current financial data of the user through the pos machine; and finally, processing the current financial data according to the staging threshold and the staging intention. The financial data processing method and device provided by the invention greatly improve the experience of a user in card swiping.

An embodiment of the present application further provides a specific implementation manner of an electronic device, which is capable of implementing all steps in an accounting data processing method in the foregoing embodiment, and referring to fig. 7, the electronic device specifically includes the following contents:

a processor (processor) 1201, a memory (memory) 1202, a communication Interface 1203, and a communication bus 1204;

the processor 1201, the memory 1202 and the communication interface 1203 complete mutual communication through the communication bus 1204; the communication interface 1203 is used for implementing information transmission between related devices such as server-side devices and client-side devices;

the processor 1201 is used to call the computer program in the memory 1202, and the processor executes the computer program to implement all the steps in one of the accounting data processing methods in the above embodiments, for example, the processor executes the computer program to implement the following steps:

step 100: receiving current accounting data of a user and a preset staging threshold of the accounting data;

step 200: receiving an installment intention of a user for the current financial data through a pos machine;

step 300: and processing the current financial data according to the staging threshold and the staging intention.

Embodiments of the present application also provide a computer-readable storage medium capable of implementing all steps in an accounting data processing method in the above embodiments, where the computer-readable storage medium stores thereon a computer program, and the computer program, when executed by a processor, implements all steps of an accounting data processing method in the above embodiments, for example, the processor implements the following steps when executing the computer program:

step 100: receiving current accounting data of a user and a preset staging threshold of the accounting data;

step 200: receiving an installment intention of a user for the current financial data through a pos machine;

step 300: and processing the current financial data according to the staging threshold and the staging intention.

All the embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the hardware + program class embodiment, since it is substantially similar to the method embodiment, the description is simple, and the relevant points can be referred to the partial description of the method embodiment.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

Although the present application provides method steps as in an embodiment or a flowchart, more or fewer steps may be included based on conventional or non-inventive labor. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual apparatus or client product executes, it may execute sequentially or in parallel (e.g., in the context of parallel processors or multi-threaded processing) according to the embodiments or methods shown in the figures.

For convenience of description, the above devices are described as being divided into various modules by functions, and are described separately. Of course, in implementing the embodiments of the present description, the functions of each module may be implemented in one or more software and/or hardware, or a module implementing the same function may be implemented by a combination of multiple sub-modules or sub-units, and the like. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

Those skilled in the art will also appreciate that, in addition to implementing the controller in purely computer readable program code means, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may therefore be considered as a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

The embodiments of this specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The specification embodiments may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

All the embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment. In the description of the specification, reference to the description of "one embodiment," "some embodiments," "an example," "a specific example," or "some examples" or the like means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the embodiments of the specification. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Moreover, various embodiments or examples and features of various embodiments or examples described in this specification can be combined and combined by one skilled in the art without being mutually inconsistent.

The above description is only an example of the embodiments of the present disclosure, and is not intended to limit the embodiments of the present disclosure. Various modifications and variations to the embodiments described herein will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement or the like made within the spirit and principle of the embodiments of the present invention should be included in the scope of the claims of the embodiments of the present invention.

Claims (11)

1. An accounting data processing method, comprising:

receiving current financial data of a user and a preset staging threshold of the financial data;

receiving an interest of a user for the current accounting data by a pos machine;

and processing the current financial data according to the staging threshold and the staging intention.

2. An accounting data processing method as claimed in claim 1, wherein said installment intent comprises: agreeing to stage the current accounting data and refusing to stage the current accounting data.

3. The method of accounting data processing as claimed in claim 2, wherein said processing said current accounting data according to said staging threshold and said staging intent comprises:

and when the staging intention agrees to stage the current financial data, pushing a predetermined staging scheme to the user.

4. The method of accounting data processing as claimed in claim 2, wherein said processing said current accounting data according to said staging threshold and said staging intent further comprises:

and when the staging intention is to refuse to stage the current financial data, pushing the current financial data to a user.

5. An accounting data processing apparatus, comprising:

the accounting data receiving module is used for receiving the current accounting data of the user and a preset staging threshold of the accounting data;

an installment intention receiving module, which is used for receiving the installment intention of the current financial data by the user through a pos machine;

and the accounting data processing module is used for processing the current accounting data according to the staging threshold and the staging intention.

6. The accounting data processing apparatus of claim 5, wherein the installment intent comprises: agreeing to stage the current accounting data and refusing to stage the current accounting data.

7. The accounting data processing apparatus of claim 6, wherein the accounting data processing module comprises:

and the staging scheme pushing unit is used for pushing a predetermined staging scheme to the user when the staging intention agrees to stage the current financial data.

8. The accounting data processing apparatus of claim 6, wherein said accounting data processing module further comprises:

and the current accounting pushing unit is used for pushing the current accounting data to the user when the staging intention is to refuse to stage the current accounting data.

9. A computer program product comprising computer program/instructions, characterized in that the computer program/instructions, when executed by a processor, implement the steps of the accounting data processing method of any of claims 1 to 4.

10. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the steps of an accounting data processing method according to any one of claims 1 to 4 are implemented when the processor executes the program.

11. A computer-readable storage medium, on which a computer program is stored, which computer program, when being executed by a processor, carries out the steps of the accounting data processing method of any one of claims 1 to 4.

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