CN115879949A

CN115879949A - Method and device for refunding receivable items and electronic equipment

Info

Publication number: CN115879949A
Application number: CN202211620592.8A
Authority: CN
Inventors: 陈祺
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2022-12-15
Filing date: 2022-12-15
Publication date: 2023-03-31

Abstract

The disclosure relates to a method and a device for refunding receivable items and electronic equipment, and belongs to the technical field of supply chain finance. The fund refund method of the receivable items is executed by the insurance management system and comprises the following steps: receiving accounts which are remitted into the insurance policy system by a first object; determining a fund withdrawal parameter agreed in advance between the first object and the second object; and returning part or all of the accounts to the second object according to the money return parameter. Therefore, the money withdrawing processing can be carried out on the basis of the previously agreed money withdrawing parameters through the insurance system, the processing efficiency of the money withdrawing service is improved, the risk in the money withdrawing service processing process is reduced, meanwhile, the expandability of the money withdrawing service is improved through the parameterized configuration of the insurance system, and the money withdrawing service can be personalized and customized.

Description

Method and device for refunding receivable items and electronic equipment

Technical Field

The disclosure relates to the technical field of supply chain finance, in particular to a method and a device for refunding an account receivable and electronic equipment.

Background

With the gradual formation of the domestic and international trade buyer market, account receivable trade financing products such as domestic and international warranties become the main financing mode of trade market customers increasingly, manual fund return is adopted in the insurance service fund return on the market at present, namely, after the customers drive accounts into fund return accounts, the manual fund return operation of a customer manager is needed, however, with the rapid growth of the insurance service, the fund return efficiency of the manual fund return mode is low, meanwhile, the risk is high, the requirements of service management and risk control cannot be met, therefore, how to improve the efficiency in the fund return service and reduce the risk in the fund return service becomes a problem to be solved urgently.

Disclosure of Invention

The present disclosure provides a method, an apparatus, an electronic device, a computer-readable storage medium, and a computer program product for refunding an account receivable, so as to at least solve the problems of low efficiency and high risk in a refunding service in the related art.

The technical scheme of the disclosure is as follows:

according to a first aspect of the embodiments of the present disclosure, there is provided a method for refunding an account receivable, performed by a warranty system, including: receiving accounts which are remitted into the insurance policy system by a first object; determining a fund withdrawal parameter agreed in advance between the first object and the second object; and returning part or all of the accounts to the second object according to the money return parameter.

In an embodiment of the disclosure, the returning part or all of the account to the second object according to the money return parameter includes: determining a warranty tenant of the first object in the warranty system; determining a refund amount for refunding to the second object according to the refund parameter; and carrying out refund operation on the account according to the deposit amount and the refund amount of the special insurance account to refund the account to the second object.

In an embodiment of the disclosure, the returning part or all of the account to the second object according to the money return parameter includes: determining the money returning time according to the money returning parameters; and when the monitoring system reaches the refund time, carrying out refund operation on the account according to the refund parameter so as to refund the account to the second object.

In an embodiment of the present disclosure, when the monitoring system reaches the refund time, performing a refund operation on the account according to the refund parameter includes: judging whether the money return between the first object and the second object is in an automatic mode or not according to the money return parameter; if the automatic deduction mode is adopted, calling a background program, and monitoring the system time; and monitoring the system time to reach the refund time, and starting the refund operation of the account.

In an embodiment of the disclosure, the performing a refund operation on the account according to the deposit amount and the refund amount of the insurance specialty to refund the account to the second object includes: determining a refund account for refunding to the second object according to the deposit amount and the refund amount of the insurance special account; and carrying out a money returning operation on the second object according to the money returning amount from the money returning account.

In an embodiment of the disclosure, the determining a refund account for refunding to the second object according to the deposit amount and the refund amount of the insurance special account includes: judging whether the deposit amount in the special warranty account is greater than or equal to the refund amount; if the deposit amount in the special insurance account is larger than or equal to the refund amount, determining the special insurance account as the refund account; or if the deposit amount in the insurance special account is smaller than the refund amount, determining candidate refund accounts of the first object according to the refund parameters, and determining a first refund account from the candidate refund accounts; and determining the special insurance account and/or the first refund account as the refund account according to the deposit condition of the special insurance account.

In one embodiment of the present disclosure, the determining a first refund account from the candidate refund accounts includes: determining the sequence of the candidate repayment accounts of the first object according to the repayment parameters, and determining the first repayment account from the candidate repayment accounts according to the sequence; or acquiring the difference between the refund amount and the deposit amount, and determining the first refund account from the candidate refund accounts according to the difference; or determining the first refund account from the candidate refund accounts according to the sequence and the difference.

In one embodiment of the disclosure, the receiving the account remitted by the first object into the warranty system includes: and receiving remittance information sent by the first object, and storing accounts into the special warranty of the first object according to the remittance information.

According to a second aspect of the embodiments of the present disclosure, there is provided a refund device for an account receivable, including: a receiving module configured to receive an account remitted by a first object into the warranty system; a determining module configured to determine a reimbursement parameter agreed in advance between the first object and the second object; a refund module configured to refund a part or all of the account to the second object according to the refund parameter.

In an embodiment of the present disclosure, the refund module is further configured to: determining a warranty tenant of the first object in the warranty system; determining a refund amount for refunding to the second object according to the refund parameter; and carrying out refund operation on the account according to the deposit amount and the refund amount of the special insurance account to refund the account to the second object.

In an embodiment of the present disclosure, the refund module is further configured to: determining the money returning time according to the money returning parameters; and when the monitoring system reaches the refund time, carrying out refund operation on the account according to the refund parameters so as to refund the account to the second object.

In one embodiment of the present disclosure, the refund module is further configured to: judging whether the refund between the first object and the second object is in an automatic mode or not according to the refund parameter; if the automatic deduction mode is adopted, calling a background program and monitoring the system moment; and monitoring the system time to reach the refund time, and starting the refund operation of the account.

In an embodiment of the present disclosure, the refund module is further configured to: determining a refund account for refunding to the second object according to the deposit amount and the refund amount of the insurance special account; and carrying out a money returning operation on the second object according to the money returning amount from the money returning account.

In one embodiment of the present disclosure, the refund module is further configured to: judging whether the deposit amount in the special warranty account is greater than or equal to the refund amount; if the deposit amount in the special insurance account is larger than or equal to the refund amount, determining the special insurance account as the refund account; or if the deposit amount in the insurance special account is smaller than the refund amount, determining candidate refund accounts of the first object according to the refund parameters, and determining a first refund account from the candidate refund accounts; and determining the special insurance account and/or the first refund account as the refund account according to the deposit condition of the special insurance account.

In one embodiment of the present disclosure, the refund module is further configured to: determining the sequence of candidate refund accounts of the first object according to the refund parameters, and determining the first refund account from the candidate refund accounts according to the sequence; or acquiring the difference between the refund amount and the deposit amount, and determining the first refund account from the candidate refund accounts according to the difference; or determining the first refund account from the candidate refund accounts according to the sequence and the difference.

In one embodiment of the disclosure, the receiving module is further configured to: and receiving remittance information sent by the first object, and storing accounts into the special warranty of the first object according to the remittance information.

According to a third aspect of the embodiments of the present disclosure, there is provided an electronic apparatus including: a processor; a memory for storing the processor-executable instructions; wherein the processor is configured to execute the instructions to implement the method of refund of an accounts receivable of the first aspect.

According to a fourth aspect of embodiments of the present disclosure, there is provided a computer-readable storage medium, wherein instructions, when executed by a processor of an electronic device, enable the electronic device to perform the method for refund of an accounts receivable of the first aspect.

According to a fifth aspect of embodiments of the present disclosure, there is provided a computer program product comprising a computer program which, when executed by a processor, implements the method of refund of an accounts receivable of the first aspect.

The technical scheme provided by the embodiment of the disclosure at least brings the following beneficial effects: the method comprises the steps of receiving accounts which are remitted into a deposit insurance management system by a first object, determining a preset money return parameter between the first object and a second object, and returning part or all of the accounts to the second object according to the money return parameter.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and, together with the description, serve to explain the principles of the disclosure and are not to be construed as limiting the disclosure.

Fig. 1 is a schematic flow chart of a method for refunding accounts receivable according to a first embodiment of the present disclosure.

Fig. 2 is a flow chart illustrating a method for refunding an account receivable according to a second embodiment of the present disclosure.

Fig. 3 is a flowchart illustrating a method for refunding an account receivable according to a third embodiment of the present disclosure.

Fig. 4 is a flowchart illustrating a method for refunding an account receivable according to a fourth embodiment of the present disclosure.

Fig. 5 is a flow chart of a method for refunding an account receivable according to the present disclosure.

Fig. 6 is a block diagram of a refund device for accounts receivable according to a first embodiment of the present disclosure.

FIG. 7 is a block diagram illustrating an electronic device in accordance with an example embodiment.

Detailed Description

In order to make the technical solutions of the present disclosure better understood by those of ordinary skill in the art, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below with reference to the accompanying drawings.

It should be noted that the terms "first," "second," and the like in the description and claims of the present disclosure and in the foregoing drawings are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the disclosure described herein are capable of operation in other sequences than those illustrated or described herein. The implementations described in the exemplary embodiments below do not represent all implementations consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present disclosure, as detailed in the appended claims.

It should be noted that, in the technical solution of the present application, the acquisition, storage, use, processing, etc. of data all conform to the relevant regulations of the national laws and regulations.

As shown in fig. 1, a method for refunding an account receivable according to a first embodiment of the present disclosure is executed by a warranty system, and includes the following steps:

in step S101, the account to be entered into the warranty system by the first object is received.

The insurance policy (Factoring), also called as a guarantee payment agent, refers to a comprehensive financial service method in which a seller transfers accounts receivable due to a current or future goods sale/service contract with a buyer to an insurance policy (a financial institution providing the insurance policy service), and the insurance policy provides the seller with a series of services such as fund fusion, buyer credit assessment, sale account management, credit risk guarantee, and account collection.

Alternatively, the remittance information sent by the first object may be received and the account may be deposited in the warranty holder of the first object according to the remittance information.

In step S102, a fund-back parameter agreed in advance between the first object and the second object is determined.

It should be noted that, the present disclosure is not limited to a specific manner for determining the reimbursement parameter agreed in advance between the first object and the second object, and may be selected according to actual situations.

For example, when the first object is an enterprise and the second object is a bank, the enterprise may sign an enterprise supply chain plan with the bank due to the financing requirement of an upstream supplier of the enterprise, wherein the supply chain plan includes a plurality of reimbursement parameters.

In addition, the money withdrawal parameters are not limited in the present disclosure, and may be set according to actual situations.

For example, the pre-agreed refund parameters between the first object and the second object may be a refund mode, a refund time, a refund amount, a deduction sequence of the refund account, a type of the refund account, and the like.

It should be noted that the money return process can be personalized by determining the pre-determined money return parameters between the first object and the second object.

For example, the money-returning mode may be an automatic money-returning mode.

In step S103, a part or all of the account is returned to the second object according to the money return parameter.

It should be noted that after the refund parameter is acquired, the refund mode, the refund time, the refund amount, and the like can be determined according to the refund parameter.

Further, a part or all of the account may be refunded to the second object according to a refund method, a refund time, a refund amount, and the like.

According to the method for refund of receivable items provided by the embodiment of the disclosure, the account amount which is collected into the insurance management system by the first object is received, the pre-agreed refund parameter between the first object and the second object is determined, and part or all of the account amount is refunded to the second object according to the refund parameter.

Fig. 2 is a flow chart diagram of a method for refund of an item receivable according to a second embodiment of the present disclosure.

As shown in fig. 2, a method for refunding accounts receivable according to a second embodiment of the present disclosure includes the following steps:

in step S201, the account to be entered into the warranty system by the first object is received.

In step S202, a reimbursement parameter agreed in advance between the first object and the second object is determined.

The relevant contents in steps S201-S202 can be referred to the above embodiments, and are not described herein again.

In step S203, a warranty tenant of the first object in the warranty system is determined.

It should be noted that, in order to manage the accounts, a special warranty account may be established.

Wherein, the special account of the insurance policy refers to a special contractual account of the insurance policy service, which is used for receiving accounts related to the receivable accounts.

In step S204, a refund amount for refunding to the second object is determined according to the refund parameter.

In the embodiment of the present disclosure, after the refund parameter is obtained, a refund amount of the refund to the second object may be determined.

In step S205, a refund operation is performed on the account according to the deposit amount and the refund amount of the insurance account holder to refund the account to the second object.

As a possible implementation manner, as shown in fig. 3, on the basis of the above implementation manner, the specific process of performing a refund operation on the account according to the deposit amount and the refund amount of the warranty specialist in step S205 to refund the account to the second object includes the following steps:

in step S301, a refund account for refunding to the second object is determined according to the deposit amount and the refund amount of the deposit-and-withdrawal account of the banker.

Optionally, it may be determined whether the deposit amount in the warranty account is greater than or equal to the refund amount, and if the deposit amount in the warranty account is greater than or equal to the refund amount, the warranty account is determined as the refund account.

Further, if the deposit amount in the warranty tenant is smaller than the refund amount, candidate refund accounts of the first object can be determined according to the refund parameters, and the first refund account can be determined from the candidate refund accounts.

It should be noted that, the specific manner of determining the first withdrawal account from the candidate withdrawal accounts is not limited in the present disclosure, and may be selected according to actual situations.

Optionally, the order of the candidate repayment accounts of the first object may be determined according to the repayment parameter, and the first repayment account is determined from the candidate repayment accounts according to the order.

Alternatively, a difference between the refund amount and the deposit amount may be obtained, and the first refund account may be determined from the candidate refund accounts according to the difference.

For example, when the amount of the candidate refund account is greater than the difference between the refund amount and the deposit amount, the candidate refund account may be determined as the first refund account.

Alternatively, the first refund account may be determined from the candidate refund accounts according to the order of the candidate refund accounts and the difference between the refund amount and the deposit amount.

In the embodiment of the disclosure, after the insurance special account and/or the first fund-returning account are obtained, the insurance special account and/or the first fund-returning account can be determined as the fund-returning account according to the deposit condition of the insurance special account.

In step S302, a refund operation is performed on the second object according to the refund amount from the refund account.

In this embodiment of the disclosure, after the refund account is acquired, a refund operation may be performed on the second object according to the refund amount from the refund account.

Optionally, after the money is returned to the second object successfully, the first object and the second object may be notified that the money return service is completed.

For example, the first object and the second object may be notified in a short message manner, and the money return service is completed.

According to the method for refunding the receivable items, the account which is collected by the first object into the insurance system is received, the refund parameter which is pre-agreed between the first object and the second object is determined, the special insurance user of the first object in the insurance system is determined, the refund amount of the refund to the second object is determined according to the refund parameter, and the refund operation is carried out on the account according to the deposit amount and the refund amount of the special insurance user so as to refund the account to the second object. Therefore, the money withdrawing processing can be carried out on the basis of the previously agreed money withdrawing parameters through the insurance system, the processing efficiency of the money withdrawing service is improved, the risk in the money withdrawing service processing process is reduced, meanwhile, the expandability of the money withdrawing service is improved through the parameterized configuration of the insurance system, and the money withdrawing service can be personalized and customized.

As shown in fig. 4, a method for refunding accounts receivable according to a fourth embodiment of the present disclosure includes the following steps:

in step S401, an account that the first object has entered into the warranty system is received.

In step S402, a fund withdrawal parameter agreed in advance between the first object and the second object is determined.

The relevant contents in steps S401 to S402 can be referred to the above embodiments, and are not described herein again.

In step S403, a refund time is determined according to the refund parameter.

It should be noted that the refund time, which is any time agreed in advance by the first object and the second object, may determine whether the refund of the receivable item expires according to the refund time.

In step S404, it is determined whether the refund between the first object and the second object is in the automatic mode according to the refund parameter.

Optionally, the warranty management system may determine whether the refund between the first object and the second object is in an automatic mode according to the refund parameter, so as to facilitate a subsequent refund processing operation.

In step S405, if the system is in the automatic deduction mode, a background program is called, and the system is monitored at any time.

In step S406, the system time is monitored to reach the refund time, and a refund operation for the account is started to refund to the second object.

Optionally, after the monitoring time reaches the refund time, a background program can be called to automatically refund the accounts in the special insurance account to the second object, and the creditor reimbursement of the accepted accounts receivable is carried out.

Optionally, after the refund operation for the account is started, if the deposit amount in the deposit account of the insurance specialty is smaller than the refund amount, the candidate refund accounts of the first object may be determined according to the refund parameters, the first refund account may be determined from the candidate refund accounts in sequence, the insurance specialty and/or the first refund account may be used as the refund account, and the refund operation may be performed on the second object according to the refund amount from the refund account.

According to the method for refunding the receivable items, the account amount which is collected into the insurance management system by the first object is received, the refunding parameter which is agreed in advance between the first object and the second object is determined, the refunding time is determined according to the refunding parameter, whether the refunding between the first object and the second object is in an automatic mode or not is judged according to the refunding parameter, if the refunding is in the automatic deduction mode, a background program is called, the system time is monitored, the refunding operation of the account amount is started, and the refunding is conducted to the second object. Therefore, the money withdrawing processing can be carried out on the basis of the previously agreed money withdrawing parameters through the insurance system, the processing efficiency of the money withdrawing service is improved, the risk in the money withdrawing service processing process is reduced, meanwhile, the expandability of the money withdrawing service is improved through the parameterized configuration of the insurance system, and the money withdrawing service can be personalized and customized.

The method for refunding the receivable items provided by the present disclosure is explained as follows.

For example, as shown in fig. 5, when the first object is a core enterprise and the second object is a bank, the bank may sign a supply chain scheme with the core enterprise, where the supply chain scheme includes a plurality of previously agreed return parameters, such as a return time, a return amount, a deduction order of return accounts, a return account type, a return manner, and the like, and by configuring different return parameters, the supply chain scheme may be personalized to a return process of an account receivable, further, the bank may handle a deposit-keeping service for an upstream supplier of the core enterprise, before the time for returning the account receivable returns expires, the deposit-keeping system may put the account into a deposit-keeping account in the supply chain scheme to complete a return operation, further, the deposit-keeping system may determine whether there is an account in the deposit-keeping account, when there is an account, the deposit-keeping system may perform a return processing according to the supply chain scheme, when there is no or there is insufficient, the deposit-keeping system may perform a return processing according to the supply chain scheme according to the subsequent return, and may perform a return processing of the individual account, and thus, the return process may be implemented by a short message, and the individual account payable to meet the requirements of the return process of the return of the entire return.

To sum up, the refund method for receivable items provided in the embodiments of the present disclosure may perform the refund processing based on the refund parameters agreed in advance by the supply chain scheme through the insurance management system, for example: automatic money return processing, collection through a special insurance user and the like, improves the processing efficiency of the money return service, reduces the risk in the processing process of the money return service, improves the expandability of the money return service through the parameterized configuration of a insurance system, and can customize the money return service individually.

Fig. 6 is a block diagram of a refund apparatus for receivable items according to a first embodiment of the present disclosure.

As shown in fig. 6, the money refund device 600 for receivable items according to the embodiment of the present disclosure includes: a receiving module 601, a determining module 602 and a refund module 603.

A receiving module 601 configured to receive an account remitted by a first object into the warranty system;

a determining module 602 configured to determine a reimbursement parameter agreed in advance between the first object and the second object;

a refund module 603 configured to refund part or all of the account to the second object according to the refund parameter.

In an embodiment of the present disclosure, the refund module 603 is further configured to: determining a warranty tenant of the first object in the warranty system; determining a refund amount for refunding the second object according to the refund parameter; and carrying out refund operation on the account according to the deposit amount and the refund amount of the special insurance account to refund the account to the second object.

In one embodiment of the present disclosure, the refund module 603 is further configured to: determining the money returning time according to the money returning parameters; and when the monitoring system reaches the refund time, carrying out refund operation on the account according to the refund parameter so as to refund the account to the second object.

In an embodiment of the present disclosure, the refund module 603 is further configured to: judging whether the refund between the first object and the second object is in an automatic mode or not according to the refund parameter; if the automatic deduction mode is adopted, calling a background program and monitoring the system moment; and monitoring the system time to reach the refund time, and starting the refund operation of the account.

In one embodiment of the present disclosure, the refund module 603 is further configured to: determining a refund account for refunding to the second object according to the deposit amount and the refund amount of the insurance special account; and carrying out a money returning operation on the second object according to the money returning amount from the money returning account.

In one embodiment of the present disclosure, the refund module 603 is further configured to: judging whether the deposit amount in the special warranty account is greater than or equal to the refund amount; if the deposit amount in the special insurance account is larger than or equal to the refund amount, determining the special insurance account as the refund account; or if the deposit amount in the insurance special account is smaller than the refund amount, determining candidate refund accounts of the first object according to the refund parameters, and determining a first refund account from the candidate refund accounts; and determining the special insurance account and/or the first refund account as the refund account according to the deposit condition of the special insurance account.

In one embodiment of the present disclosure, the refund module 603 is further configured to: determining the sequence of candidate refund accounts of the first object according to the refund parameters, and determining the first refund account from the candidate refund accounts according to the sequence; or acquiring the difference between the refund amount and the deposit amount, and determining the first refund account from the candidate refund accounts according to the difference; or determining the first refund account from the candidate refund accounts according to the sequence and the difference.

In an embodiment of the present disclosure, the receiving module 601 is further configured to: and receiving remittance information sent by the first object, and storing accounts into the special warranty of the first object according to the remittance information.

With regard to the apparatus in the above-described embodiment, the specific manner in which each module performs the operation has been described in detail in the embodiment related to the method, and will not be elaborated here.

In summary, the money withdrawing device for receivable items according to the embodiment of the disclosure determines the pre-agreed money withdrawing parameter between the first object and the second object by receiving the account amount collected by the first object into the deposit guarantee system, and withdraws part or all of the account amount to the second object according to the money withdrawing parameter, so that the deposit withdrawal processing can be performed based on the pre-agreed money withdrawing parameter through the deposit guarantee system, the processing efficiency of the money withdrawing service is improved, the risk in the money withdrawing service processing process is reduced, the expandability of the money withdrawing service is improved due to the parameterized configuration of the deposit guarantee system, and the personalized customization of the money withdrawing service can be performed.

FIG. 7 is a block diagram of an electronic device shown in accordance with an example embodiment.

As shown in fig. 7, the electronic device 700 includes:

a memory 710 and a processor 720, a bus 730 connecting different components (including the memory 710 and the processor 720), wherein the memory 710 stores a computer program, and when the processor 720 executes the program, the method for refunding the receivable item according to the first aspect of the present disclosure is implemented.

Bus 730 represents one or more of any of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, and a processor or local bus using any of a variety of bus architectures. By way of example, such architectures include, but are not limited to, industry Standard Architecture (ISA) bus, micro-channel architecture (MAC) bus, enhanced ISA bus, video Electronics Standards Association (VESA) local bus, and Peripheral Component Interconnect (PCI) bus.

Electronic device 700 typically includes a variety of electronic device readable media. Such media may be any available media that is accessible by electronic device 700 and includes both volatile and nonvolatile media, removable and non-removable media.

Memory 710 may also include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM) 740 and/or cache memory 750. The electronic device 700 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 760 may be used to read from and write to non-removable, nonvolatile magnetic media (not shown in FIG. 7, and commonly referred to as a "hard drive"). Although not shown in FIG. 7, a magnetic disk drive for reading from and writing to a removable, nonvolatile magnetic disk (e.g., a "floppy disk") and an optical disk drive for reading from or writing to a removable, nonvolatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to the bus 730 through one or more data media interfaces. Memory 710 may include at least one program product having a set (e.g., at least one) of program modules that are configured to carry out the functions of embodiments of the disclosure.

A program/utility 780 having a set (at least one) of program modules 770 may be stored, for example, in memory 710, such program modules 770 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which or some combination of which may comprise an implementation of a network environment. Program modules 770 typically perform the functions and/or methods of the embodiments described in this disclosure.

The electronic device 700 may also communicate with one or more external devices 790 (e.g., keyboard, pointing device, display 791, etc.), with one or more devices that enable a user to interact with the electronic device 700, and/or with any devices (e.g., network card, modem, etc.) that enable the electronic device 700 to communicate with one or more other computing devices. Such communication may occur over input/output (I/O) interfaces 792. Also, the electronic device 700 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network such as the Internet) via the network adapter 793. As shown in FIG. 7, the network adapter 793 communicates with the other modules of the electronic device 700 over the bus 730. It should be appreciated that although not shown in the figures, other hardware and/or software modules may be used in conjunction with the electronic device 700, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, to name a few.

The processor 720 executes various functional applications and data processing by executing programs stored in the memory 710.

It should be noted that, for the implementation process and the technical principle of the electronic device of the embodiment, reference is made to the foregoing explanation of the method for reimbursing receivable items according to the embodiment of the present disclosure, and details are not described here again.

In summary, the electronic device provided in the embodiment of the present disclosure may execute the method for refunding receivable items as described above, and receive the account amount that the first object has entered into the deposit guarantee system, determine the pre-agreed refund parameter between the first object and the second object, and refund part or all of the account amount to the second object according to the refund parameter.

In order to implement the above embodiments, the present disclosure also proposes a computer-readable storage medium.

Wherein the instructions in the computer readable storage medium, when executed by a processor of the electronic device, enable the electronic device to perform a method of refund of an item receivable as previously described. Alternatively, the computer readable storage medium may be a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.

To achieve the above embodiments, the present disclosure also provides a computer program product comprising a computer program, characterized in that the computer program, when executed by a processor, implements the method for refund of an accounts receivable according to the first aspect.

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This disclosure is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.

It will be understood that the present disclosure is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A method of refund of an item receivable, performed by a warranty system, the method comprising:

receiving accounts which are input into the insurance policy system by a first object;

determining a fund withdrawal parameter agreed in advance between the first object and the second object;

and returning part or all of the accounts to the second object according to the money return parameter.

2. The method of claim 1, wherein the returning some or all of the credit to the second object according to the credit return parameter comprises:

determining a warranty tenant of the first object in the warranty system;

determining a refund amount for refunding to the second object according to the refund parameter;

and carrying out refund operation on the account according to the deposit amount and the refund amount of the special insurance account to refund the account to the second object.

3. The method of claim 1 or 2, wherein the returning part or all of the credit to the second object according to the credit return parameter comprises:

determining the money returning time according to the money returning parameters;

and when the monitoring system reaches the refund time, carrying out refund operation on the account according to the refund parameters so as to refund the account to the second object.

4. The method of claim 3, wherein the performing a refund operation on the account according to the refund parameter when the monitoring system time reaches the refund time comprises:

judging whether the refund between the first object and the second object is in an automatic mode or not according to the refund parameter;

if the automatic deduction mode is adopted, calling a background program and monitoring the system moment;

and monitoring the system time to reach the refund time, and starting the refund operation of the account.

5. The method of claim 2, wherein the refund operation on the account to refund to the second object according to the deposit amount and the refund amount of the warranty specialist comprises:

determining a refund account for refunding to the second object according to the deposit amount and the refund amount of the insurance special account;

and carrying out a money returning operation on the second object according to the money returning amount from the money returning account.

6. The method of claim 5, wherein determining a refund account for refunding to the second object based on the deposit amount and the refund amount of the warranty specialist comprises:

judging whether the deposit amount in the special warranty account is greater than or equal to the refund amount;

if the deposit amount in the special insurance account is larger than or equal to the refund amount, determining the special insurance account as the refund account; or,

if the deposit amount in the insurance-processing special account is smaller than the refund amount, determining candidate refund account numbers of the first object according to the refund parameters, and determining a first refund account number from the candidate refund account numbers;

and determining the special insurance account and/or the first refund account as the refund account according to the deposit condition of the special insurance account.

7. The method of claim 6, wherein determining the first chargeback account from the candidate chargeback accounts comprises:

determining the sequence of the candidate repayment accounts of the first object according to the repayment parameters, and determining the first repayment account from the candidate repayment accounts according to the sequence; or,

acquiring the difference between the refund amount and the deposit amount, and determining the first refund account from the candidate refund accounts according to the difference; or,

and determining the first refund account from the candidate refund accounts according to the sequence and the difference.

8. The method of claim 1 or 2 or any of claims 5-7, wherein the receiving an account for the first object to remit into the system comprises:

and receiving remittance information sent by the first object, and storing accounts into the special warranty of the first object according to the remittance information.

9. A refund device for an item to be collected, the device being implemented by a warranty system, the device comprising:

a receiving module configured to receive an account remitted by a first object into the warranty system;

a determining module configured to determine a reimbursement parameter agreed in advance between the first object and the second object;

a refund module configured to refund a part or all of the credit to the second object according to the refund parameter.

10. The apparatus of claim 9, wherein the refund module is further configured to:

determining a warranty tenant of the first object in the warranty system;

and carrying out refund operation on the account according to the deposit amount and the refund amount of the insurance special account so as to refund the account to the second object.

11. The apparatus of claim 9 or 10, wherein the refund module is further configured to:

and when the monitoring system reaches the refund time, carrying out refund operation on the account according to the refund parameter so as to refund the account to the second object.

12. The apparatus of claim 11, wherein the refund module is further configured to:

13. The apparatus of claim 10, wherein the refund module is further configured to:

and carrying out a refund operation on the second object from the refund account according to the refund amount.

14. The apparatus of claim 13, wherein the reimbursement module is further configured to:

15. The apparatus of claim 14, wherein the reimbursement module is further configured to:

determining the sequence of candidate refund accounts of the first object according to the refund parameters, and determining the first refund account from the candidate refund accounts according to the sequence; or,

16. The method of any of claims 9 or 10 or 13-15, wherein the receiving module is further configured to:

17. An electronic device, comprising:

a processor;

a memory for storing the processor-executable instructions;

wherein the processor is configured to execute the instructions,

to implement a method of refund of an accounts receivable according to any of claims 1 to 8.

18. A computer-readable storage medium in which instructions, when executed by a processor of an electronic device,

method for enabling an electronic device to carry out a refund of an accounts receivable according to any of the claims 1-8.

19. A computer program product comprising a computer program, wherein the computer program, when executed by a processor, implements the method for refund of an item receivable of any one of claims 1 to 8.