CN116523625A - Method and device for processing fund flow, storage medium and electronic equipment - Google Patents

Method and device for processing fund flow, storage medium and electronic equipment Download PDF

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CN116523625A
CN116523625A CN202310495164.5A CN202310495164A CN116523625A CN 116523625 A CN116523625 A CN 116523625A CN 202310495164 A CN202310495164 A CN 202310495164A CN 116523625 A CN116523625 A CN 116523625A
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information
fund
funds
flow
pieces
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吕庭宸
张要波
任磊
樊海瑞
徐楠
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Jilin Yillion Bank Co ltd
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Jilin Yillion Bank Co ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G06Q10/103—Workflow collaboration or project management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"

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Abstract

The invention discloses a method and a device for processing a fund stream, a storage medium and electronic equipment. Relates to the field of financial science and technology. Wherein the method comprises the following steps: inquiring fund flow information based on the transfer notification information, wherein the fund flow information comprises: information of occurrence of fund flow recorded in the process of transferring funds from a first object to a second object; based on the transfer notification information, matching the fund flow information with M pieces of target service information, and determining N pieces of target service information matched with the fund flow information in the M pieces of target service information; establishing association relation between fund flow information and N pieces of target service information; and based on the association relation, performing account entry processing on the transfer funds associated with the funds flow information. The invention solves the technical problems that in the related art, when the fund party pays the fund flow of the borrower, the fund flow is required to be manually matched with the business information flow of the borrower during loan, and then the fund is paid, so that the error rate of the fund is high.

Description

Method and device for processing fund flow, storage medium and electronic equipment
Technical Field
The present invention relates to the field of financial science and technology, and in particular, to a method and apparatus for processing a fund stream, a storage medium, and an electronic device.
Background
In the existing offline repayment business activity, the main management method is to match the fund flow and the information flow in an offline manual mode. The flow is as follows:
1) The borrowing client transfers the repayment funds to the public account appointed by the fund party through modes of manual bank App (mobile phone application program) transfer, counter transfer and the like, and then informs the fund party service personnel of transfer information, including the name of the bank to be transferred, the number of the bank card, the time and the amount of transfer.
2) After receiving the transfer information, the business personnel of the fund party marks the fund flow information (fund flow) as the repayment business behavior (information flow) of the customer through the modes of human brain memory, handwriting record, excel document record and the like, namely: matching of the funds stream and the information stream is accomplished manually off-line.
3) And recording repayment information of the customer in the system and finishing the settlement of the repayment business accounts through the system function.
In actual business development, because business personnel record according to experience, recorded contents are difficult to unify, recorded contents are also difficult to share, and the manual management mode has a plurality of operation risks, such as: the same transfer funds are repeatedly marked on a plurality of different repayment services, the missing mark causes that repayment deposit is directly operated without receiving the funds, the repayment deposit amount is inconsistent with the actual transfer amount, and the like.
In view of the above problems, no effective solution has been proposed at present.
Disclosure of Invention
The embodiment of the invention provides a method and a device for processing a fund flow, a storage medium and electronic equipment, which at least solve the technical problems that in the related art, when a fund party pays the fund flow for repayment of a borrower, the fund flow needs to be manually matched with a business information flow when the borrower loans, and then the fund is paid, and the error rate of the fund is high.
According to an aspect of an embodiment of the present invention, there is provided a method of processing a funds stream, including: inquiring fund flow information based on the transfer notification information, wherein the fund flow information comprises: information of occurrence of fund flow recorded in the process of transferring funds from a first object to a second object; based on the transfer notification information, matching the fund flow information with M pieces of target service information, and determining N pieces of target service information matched with the fund flow information in the M pieces of target service information, wherein the target service information comprises: information related to loan business, M and N being positive integers, M being greater than or equal to N; establishing an association relation between the fund flow information and the N pieces of target service information; and based on the association relation, performing account entry processing on the transfer funds associated with the funds flow information.
Further, the transferring funds includes: s fund, S is a positive integer, and based on the association relation, the step of posting the transfer funds associated with the fund flow information comprises the following steps: based on the association relation, checking whether each fund meets a preset account entry condition or not; and (3) performing account entry processing on funds meeting the preset account entry conditions in the funds in the S batches.
Further, based on the association relationship, the step of verifying whether each fund meets a preset accounting condition includes: checking whether each fund has target service information matched with the fund or not, and obtaining a first checking result; checking whether the fund amount of each fund is smaller than or equal to the fund amount which is not checked in the transferring funds, and obtaining a second checking result; and under the condition that the first check result and the second check result are both check-in results, determining that the funds meet the preset account entry conditions.
Further, the fund flow information includes at least: transaction serial numbers, the target business information comprises: the loan business identification information establishes the association relation between the fund flow information and the N pieces of target business information, and the method further comprises the following steps: determining association information of the fund flow information and the N pieces of target service information based on the transaction serial number and the identification information of the loan service, wherein the association information is used for recording association relation between the fund flow information and the N pieces of target service information; and registering the association information to a matching relation record.
Further, after the account entry processing is performed on the transfer funds associated with the funds flow information based on the association relationship, the method further comprises: determining the actual account amount for account processing in the transfer funds; and updating the actual account amount to the matching relation record.
Further, the identification information of the loan service at least comprises one of the following: the borrowing number of the loan business and the paying serial number of the loan business.
Further, the step of inquiring the fund flow information based on the transfer notification information includes: inquiring a collection flow record of the second object based on the transfer notification information to obtain an inquiry result; and determining the fund flow information corresponding to the transfer notification information based on the query result.
Further, the method for processing the fund flow further comprises the following steps: judging whether the total transfer amount associated with the fund flow information is larger than the total loan amount associated with the N pieces of target business information; and sending target notification information to the first object under the condition that the total transfer amount is larger than the total loan amount, wherein the target notification information is used for prompting that the total transfer amount of the first object is larger than the actual loan amount.
According to another aspect of the embodiment of the present invention, there is also provided an apparatus for processing a funds stream, including: the inquiry unit is used for inquiring the fund flow information based on the transfer notification information, wherein the fund flow information comprises: information of occurrence of fund flow recorded in the process of transferring funds from a first object to a second object; the matching unit is configured to match the fund flow information with M pieces of target service information based on the transfer notification information, and determine N pieces of target service information matched with the fund flow information from the M pieces of target service information, where the target service information includes: information related to loan business, M and N being positive integers, M being greater than or equal to N; the association unit is used for establishing association relation between the fund flow information and the N pieces of target service information; and the posting unit is used for posting the transfer funds related to the fund flow information based on the association relation.
Further, the transferring funds includes: s is the positive integer, S is the fund, and the unit of posting includes: the verification subunit is used for verifying whether each fund meets a preset accounting condition or not based on the association relation; and the posting subunit is used for posting funds meeting the preset posting conditions in the funds in the S batches.
Further, the syndrome unit includes: the first verification module is used for verifying whether each fund has target service information matched with the fund or not, and obtaining a first verification result; the second checking module is used for checking whether the fund amount of each fund is smaller than or equal to the fund amount which is not checked in the transferring funds, so as to obtain a second checking result; the determining module is used for determining that the funds meet the preset account entry condition under the condition that the first check result and the second check result are both checked.
Further, the fund flow information includes at least: transaction serial numbers, the target business information comprises: the loan business identification information, the association unit further comprises: a first determining subunit, configured to determine association information of the fund flow information and the N pieces of target service information based on the transaction serial number and the identification information of the loan service, where the association information is used to record an association relationship between the fund flow information and the N pieces of target service information; and the registration subunit is used for registering the association information to the matching relation record.
Further, the apparatus for processing a funds stream includes: a determining unit, configured to determine an actual posting amount of the posting process of the transfer funds after posting the transfer funds associated with the funds flow information based on the association relationship; and the updating subunit is used for updating the actual account amount to the matching relation record.
Further, the identification information of the loan service at least comprises one of the following: the borrowing number of the loan business and the paying serial number of the loan business.
Further, the query unit includes: the inquiring subunit is used for inquiring the collection flow record of the second object based on the transfer notification information to obtain an inquiring result; and the third determining subunit is used for determining the fund flow information corresponding to the transfer notification information based on the query result.
Further, the apparatus for processing a funds stream further includes: a judging unit, configured to judge whether a total transfer amount associated with the fund flow information is greater than a total loan amount associated with the N target service information; and a transmitting unit configured to transmit target notification information to the first object when the total transfer amount is greater than the total loan amount, where the target notification information is used to prompt that the total transfer amount of the first object is greater than the actual loan amount.
According to another aspect of the embodiment of the present invention, there is also provided an electronic device, including: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to perform the method of processing the funds flow of any of the above via execution of the executable instructions.
According to another aspect of the embodiments of the present invention, there is also provided a computer-readable storage medium storing a computer program, wherein the computer program when executed controls a device in which the computer-readable storage medium is located to perform the method of processing a funds flow of any of the above.
In the present invention, funds flow information is queried based on transfer notification information, wherein the funds flow information includes: information of occurrence of fund flow recorded in the process of transferring funds from a first object to a second object; based on the transfer notification information, matching the fund flow information with M pieces of target service information, and determining N pieces of target service information matched with the fund flow information in the M pieces of target service information, wherein the target service information comprises: information related to loan business, M and N being positive integers, M being greater than or equal to N; establishing association relation between fund flow information and N pieces of target service information; and based on the association relation, performing account entry processing on the transfer funds associated with the funds flow information. And further, the technical problems that in the related art, when a fund party performs account depositing on a fund flow for repayment of a borrower, the fund flow is required to be manually matched with a business information flow when the borrower loan is performed, and then account depositing is performed, so that the error rate of account depositing is high are solved. According to the invention, through automatically carrying out matching association on the fund information flow and the business information and then carrying out account checking processing based on the association relationship, the situation that account checking processing is carried out by manually inquiring the business information flow during loan matched with the fund flow and account checking errors are easy to carry out in the related art is avoided, and therefore, the technical effect of improving the accuracy of payment account checking is realized.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiments of the invention and together with the description serve to explain the invention and do not constitute a limitation on the invention. In the drawings:
FIG. 1 is a flow chart of an alternative method of processing a funds stream in accordance with embodiments of the invention;
FIG. 2 is a schematic diagram of an alternative funds stream and information stream matching page in accordance with embodiments of the invention;
FIG. 3 is a flow chart of an alternative functional home page matching a funds stream to an information stream in accordance with embodiments of the invention;
FIG. 4 is a schematic diagram of an alternative funds flow processing apparatus according to an embodiment of the invention;
fig. 5 is a schematic diagram of an electronic device according to an embodiment of the invention.
Detailed Description
In order that those skilled in the art will better understand the present invention, a technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present invention without making any inventive effort, shall fall within the scope of the present invention.
It should be noted that the terms "first," "second," and the like in the description and the claims of the present invention and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the invention described herein may be implemented in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, 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.
It should be noted that, the method and the device for processing the funds flow in the present disclosure may be used in the financial science and technology field under the condition of processing the account of the funds transfer, and may also be used in any field other than the financial science and technology field under the condition of processing the account of the funds transfer, and the application fields of the method and the device for processing the funds flow in the present disclosure are not limited.
It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, displayed data, fund data, etc.) referred to in the present application are information and data authorized by the user or fully authorized by each party, and the collection, use and processing of the related data need to comply with the related laws and regulations and standards of the related country and region, and provide corresponding operation entries for the user to select authorization or rejection.
For convenience of description, some terms or nouns involved in the embodiments of the present invention are explained below:
off-line repayment: in internet loan service, when the loan App cannot be directly used for repayment due to the fact that a bank card of a borrowing client is frozen or the repayment amount is larger than the limit of a deduction channel, the repayment fund is manually transferred to a designated public account of a borrower through modes of the bank App, a PC end application program, a bank counter and the like, so that the repayment service is completed.
Funds flow: in the present invention, the record of the actual funds flow records the transfer of money ownership, and the record of funds flow generated by the manual transfer of customers in the offline repayment service.
Information flow: the system refers to service information input by service personnel through the system, and in the online repayment service, the invention refers to service information that a fund party service personnel performs repayment for a certain borrowing through a certain client input by the system.
Example 1
In accordance with an embodiment of the present invention, there is provided an alternative method embodiment of a method of processing a funds stream, it being noted that the steps illustrated in the flowchart of the figures may be performed in a computer system such as a set of computer executable instructions, and that although a logical sequence is illustrated in the flowchart, in some cases the steps illustrated or described may be performed in a different order than that illustrated herein.
FIG. 1 is a flow chart of an alternative method of processing a funds stream according to an embodiment of the invention, as shown in FIG. 1, the method comprising the steps of:
step S101, inquiring fund flow information based on the transfer notification information, wherein the fund flow information comprises: and the information of occurrence of fund flow recorded in the process of transferring from the first object to the second object.
The first object may be an object that transfers funds to a second object, such as: the first object may be a borrowing client, the second object may be a funding party providing loan funds for the first object, the funding party may be a financial institution, and in an alternative manner, the first object may also be a funding party, and the second object may be a borrowing client. The above-described transfer notification information may be transfer notification information transmitted by the first object.
The transfer notification information may include: the transaction serial number for transferring the first object to the second object may further include target service information associated with transferring the first object to the second object, for example: the first object transfers money to the second object to realize information of loan business related to repayment of the loan business.
In this embodiment, the transfer notification information may be used to invoke a check-out flow record query function in the application system associated with the second object, to query the funds flow information corresponding to the transfer notification information.
Step S102, based on the transfer notification information, matching the fund flow information with M pieces of target service information, and determining N pieces of target service information matched with the fund flow information in the M pieces of target service information, wherein the target service information comprises: and the information related to loan business, M and N are positive integers, and M is greater than or equal to N.
The target service information may include information of loan services, and the M target service information may include information that the second object provides all loan services to the outside. In order to avoid the situation that the manually matching fund flow and the information flow of the loan service are high in matching error rate, in this embodiment, the information of the loan service in the transfer notification information may be matched with M pieces of target service information, for example, the fund flow information may be matched with the loan contract number or other fields such as the loan serial number in the loan service information based on the transfer notification information, so as to determine N pieces of target service information related to the fund flow, and obtain N pieces of target service information matched with the fund flow information in the M pieces of target service information.
Fig. 2 is a schematic diagram of an alternative matching funds flow to information flow page, the lower half of which is transfer information (funds flow) carried from another page, and a matching loan information list (information flow) (shown in fig. 2, the list including system source, project product, borrowing number, running amount, actual date of posting, etc.), the first entry list being empty, according to an embodiment of the invention, as shown in fig. 2. The upper half of the page may find the loan information desired to be repaiied by screening criteria (e.g., the query criteria in fig. 2, including: plan product, customer name, identification card number, contract number, and borrowing number), and then may click on the "add match list" in fig. 2, which may add the specified loan information to the match loan information list. And after clicking for storage, the association of the fund flow and the information flow can be completed.
Step S103, establishing the association relation between the fund flow information and N pieces of target service information.
The following illustrates the target business information as loan business information, and matches and associates the fund flow with the loan business information flow (corresponding to the above N target business information) required by the specific customer, and saves the association record in the system. The main record content is: the borrowing number (for uniquely locating a loan business) of the target business information (for example, a loan business) corresponding to the fund flow has occurred the amount of the repayment deposit, the amount of the refund is operated, and the available amount remains.
Step S104, based on the association relation, the account transferring funds associated with the funds flow information are checked in.
In this embodiment, the account entry processing may be performed on the transfer funds associated with the funds flow information based on the association relationship between the funds flow and the N pieces of target service information. Meanwhile, in order to further reduce the error rate of the account-checking of the transfer funds, in this embodiment, the rationality of the account-checking of the transfer funds can be checked before the account-checking is performed, and whether the rationality preset account-checking condition is satisfied or not is also checked. In the process of posting, the actual posting funds can also be updated into the system for processing loan transactions.
In a scenario where the first object transfers money to the second object to repay the loan service, a refund may be performed according to the client's intention or used to repay other loans for a scenario where the client transfer may occur more than the repayment amount. Whether refund or repayment of other loans, the information of the matched association relationship in the embodiment is continuously updated along with the development of subsequent businesses, so that the rationality between related businesses is ensured.
In this embodiment, the execution subject of the steps may be an application system for processing funds, which may be simply referred to as a system in this embodiment.
Through the steps, in the embodiment, through automatically carrying out matching association on the fund information flow and the business information and then carrying out account checking processing based on the association relationship, the situation that account checking processing is carried out by manually inquiring the business information flow when loan is matched with the fund flow and account checking errors are easy to occur in the related art is avoided, and therefore the technical effect of improving the accuracy of payment account checking is achieved. And further, the technical problems that in the related art, when a fund party performs account depositing on a fund flow for repayment of a borrower, the fund flow is required to be manually matched with a business information flow when the borrower loan is performed, and then account depositing is performed, so that the error rate of account depositing is high are solved.
Optionally, transferring funds includes: s fund, S is a positive integer, and based on the association relation, the step of posting the transfer funds associated with the fund flow information comprises the following steps: based on the association relationship, checking whether each fund meets a preset accounting condition; and (3) performing account entry processing on funds meeting preset account entry conditions in the S funds.
In this embodiment, one funding flow information may relate to a plurality of target service information, for example: one fund flow can be used to repay one or more loan transactions. Thus, the transfer funds to which the funds flow information may relate in this embodiment may relate to S funds, and the target business information to which each of the funds relates may be different.
When the second object performs the check-in processing, in order to further ensure the check-in rationality, avoid the condition of check-in error, check each fund to perform the check-in rationality, in the check-in rationality process, whether each fund meets the preset check-in condition or not, and meet the check-in condition, the check-in processing can be performed, thereby realizing the technical efficiency of improving the accuracy of repayment check-in.
Optionally, based on the association relationship, the step of checking whether each fund meets a preset accounting condition includes: checking whether each fund has target service information matched with the fund or not to obtain a first check result; checking whether the fund amount of each fund is smaller than or equal to the fund amount which is not checked in the transferring funds, and obtaining a second checking result; and under the condition that the first check result and the second check result are both the check passing, determining that the funds meet the preset account entering condition.
The following uses the target business information as loan business information, and in the scene that the first object transfers money to the second object to repay the loan business: when the repayment and account deposit is operated, the system can automatically check and ensure the reasonability of the repayment service, namely whether the preset account deposit condition is met. For example: 1) Checking that the funds are repaid and have relevant information flows (corresponding to the target business information) matched with the funds, so that the risk of missing the matching is avoided; 2) And verifying that the amount of the funds paid is less than or equal to the residual available amount of the matched funds flow, thereby avoiding the wrong payment and account deposit caused by the error amount and realizing the technical efficiency of improving the accuracy of payment and account deposit.
Optionally, the funding flow information includes at least: the transaction serial number, the target business information includes: the identification information of the loan business establishes the association relation between the fund flow information and the N pieces of target business information, and the method further comprises the following steps: determining association information of the fund flow information and N pieces of target service information based on the transaction serial number and the identification information of the loan service, wherein the association information is used for recording association relation between the fund flow information and the N pieces of target service information; and registering the association information to a matching relation record.
The above-mentioned matching relationship record may be used to record identification information of the target service information corresponding to the funds flow information), the amount of the deposit that has occurred, the amount of the operational refund, and the remaining available amount of the funds flow, for example: the identification of the loan transaction (for uniquely locating a loan transaction, e.g., a loan borrowing number) corresponding to the funds flow (corresponding to the funds flow information described above), the amount of the refund that has occurred, the amount of the operational refund, the amount remaining available, etc., wherein the amount of the refund may be 0 when the refund is not performed.
In this embodiment, the matching relationship (corresponding to the association relationship) between the fund flow (corresponding to the fund flow information) and the information flow (corresponding to the target service information) is 1:n, but other matching relationships can also achieve the purpose of accurately posting funds. The matching relationship between the fund flow and the information flow can also comprise 1:1, N:1 and N:N.
The fields used to record the matching relationship may be multiple, for example: and carrying out matching association through other fields such as loan contract numbers or loan serial numbers. Whatever the field, the purpose is to associate the funds flow with the information flow through the system.
In this embodiment, in the process of establishing the association between the fund flow information and the N pieces of target service information, the transaction serial number based on the fund flow information and the identification information of the loan service may be associated, the association information for recording the association is obtained based on the transaction serial number and the identification information of the loan service, and the association information is recorded in the matching relationship record, so as to achieve the technical effect of improving the accuracy of payment fund deposit.
Optionally, after the posting process is performed on the transfer funds associated with the funds flow information based on the association relationship, the method further includes: determining the actual account amount for account processing in the transfer funds; and updating the actual account amount to the matching relation record.
In this embodiment, after the accounting processing is performed, the actual accounting amount may also be recorded, for example: according to the actual account deposit amount, the amount of the paid-out account deposit which is already generated in the matching relation record is updated, and the technical effect of improving the accuracy of the amount of the paid-out account deposit which is already generated in the record in the system is achieved.
Optionally, the identification information of the loan service includes at least one of: borrowing numbers of loan businesses and loan serial numbers of loan businesses.
In this embodiment, the identification information of the loan service may include, but is not limited to, a borrowing number of the loan service, a loan serial number of the loan service, and other information capable of uniquely identifying each loan service, which is not limited herein, so as to achieve the technical effect of improving the identification accuracy of the loan service.
Optionally, the step of querying the funds stream information based on the transfer notification information includes: inquiring the collection flow record of the second object based on the transfer notification information to obtain an inquiry result; and determining fund flow information corresponding to the transfer notification information based on the query result.
FIG. 3 is a flow chart of an alternative feature front page for matching funds with information flows according to embodiments of the invention, as shown in FIG. 3, in which the system may be queried for the receipt information (i.e., funds flow) for a given account by a combination of conditions (e.g., under-line payback account in FIG. 3, date of funds transfer, name of deposit, amount of deposit, matched borrower, available balance, matched channel, last operator, etc.). Selecting a particular piece of information, clicking the button "match borrow" button will jump to the "funds stream and information stream match page". If the information flows are already matched, relevant information is displayed, including: the borrowing number of the corresponding loan, the amount for which the repayment has occurred, the amount remaining available.
In this embodiment, after the second object receives the transfer information notified by the client, the money transfer information (i.e., the money flow information) transferred to the client can be located by using the collection flow record query function of the system, so as to achieve the technical effect of improving the query efficiency of the collection flow record.
Optionally, the method for processing a funds stream further comprises: judging whether the total transfer amount associated with the fund flow information is larger than the total loan amount associated with the N pieces of target business information; and sending target notification information to the first object under the condition that the total transfer amount is larger than the total loan amount, wherein the target notification information is used for prompting that the total transfer amount of the first object is larger than the actual loan amount.
In this embodiment, when the target service information is the loan service information of the loan provided by the second object for the first object, the fund flow is the fund flow for repayment by the first object, so as to determine whether the total amount of the customer transfer is greater than the actual repayment amount, and if the total transfer amount is greater than the total loan amount, send the target notification information to the first object to inquire about the customer opinion. For the scene that the customer transfer is possibly larger than the repayment amount, the repayment can be carried out according to the customer wish or other loans can be repayment, so that the technical effect of improving the reliability of the repayment business in the payment processing is achieved.
In this embodiment, the matching relationship (corresponding to the above-mentioned association relationship) between the funds flow and the information flow may be recorded by the system, and at the same time, the actual use condition of the funds may be automatically recorded, including the transfer amount, the actual account-checking amount, the remaining available amount, and the like, when the matching relationship is in use. When repayment deposit (or refund business) is operated, the matched fund flow information can be automatically checked, so that errors are prevented. And after the repayment and the check-in are finished, the actual check-in amount is automatically updated, so that no amount error occurs when the repayment and the check-in of other loans are carried out subsequently.
In this embodiment, matching of the fund flow and the information flow is completed through the system, the matching relationship is recorded in a standardized and comprehensive manner, and rationality verification is automatically performed on the matching relationship through the system, so that problems of missing and error matching and the like caused by operation risks of manual management are prevented, and the technical effect of improving the accuracy of payment service account deposit is achieved.
Example two
An embodiment II of the present application provides an optional processing device for a fund flow, where each implementation unit in the processing device corresponds to each implementation step in the embodiment I.
Fig. 4 is a schematic diagram of an alternative funds flow processing apparatus according to an embodiment of the invention, as shown in fig. 4, comprising: a query unit 41, a matching unit 42, an association unit 43, and an accounting unit 44.
Specifically, the querying unit 41 is configured to query the funds flow information based on the transfer notification information, where the funds flow information includes: information of occurrence of fund flow recorded in the process of transferring funds from a first object to a second object;
a matching unit 42, configured to match the funds flow information with M pieces of target service information based on the transfer notification information, and determine N pieces of target service information matched with the funds flow information from the M pieces of target service information, where the target service information includes: information related to loan business, M and N being positive integers, M being greater than or equal to N;
an association unit 43, configured to establish an association relationship between the fund flow information and the N pieces of target service information;
and an accounting unit 44 for performing accounting processing on the transfer funds associated with the funds flow information based on the association relationship.
In the processing apparatus for a funds stream provided in the second embodiment of the present application, the funds stream information may be queried by the querying unit 41 based on the transfer notification information, where the funds stream information includes: and (3) the information of occurrence of fund flow recorded in the process of transferring from the first object to the second object is matched with M pieces of target service information through a matching unit 42 based on the transfer notification information, and N pieces of target service information matched with the fund flow information in the M pieces of target service information are determined, wherein the target service information comprises: and the information related to loan business, M and N are positive integers, M is larger than or equal to N, the association relation between the fund flow information and N pieces of target business information is established through the association unit 43, and account entry processing is carried out on the transfer funds associated with the fund flow information through the account entry unit 44 based on the association relation. And further, the technical problems that in the related art, when a fund party performs account depositing on a fund flow for repayment of a borrower, the fund flow is required to be manually matched with a business information flow when the borrower loan is performed, and then account depositing is performed, so that the error rate of account depositing is high are solved. In this embodiment, by automatically performing matching association on the fund information flow and the service information and performing the posting process based on the association relationship, the situation that the posting process is performed by manually inquiring the service information flow during loan matched with the fund flow and is easy to post errors in the related art is avoided, and thus, the technical effect of improving the accuracy of payment posting is achieved.
Optionally, in the processing apparatus for funds flow provided in the second embodiment of the present application, transferring funds includes: s is the positive integer, S is the fund, and the unit of posting includes: the verification subunit is used for verifying whether each fund meets the preset accounting condition based on the association relation; and the accounting sub-unit is used for accounting the funds meeting the preset accounting conditions in the S funds.
Optionally, in the apparatus for processing a funds stream provided in the second embodiment of the present application, the verification subunit includes: the first verification module is used for verifying whether each fund has target service information matched with the fund or not, and obtaining a first verification result; the second checking module is used for checking whether the fund amount of each fund is smaller than or equal to the fund amount which is not checked in the transferring funds, so as to obtain a second checking result; the determining module is used for determining that the funds meet preset account entering conditions under the condition that the first check result and the second check result are both checked to pass.
Optionally, in the apparatus for processing a funds stream provided in the second embodiment of the present application, funds stream information includes at least: the transaction serial number, the target business information includes: the loan business identification information, the association unit further comprises: the first determining subunit is used for determining the association information of the fund flow information and the N pieces of target service information based on the transaction serial number and the identification information of the loan service, wherein the association information is used for recording the association relation of the fund flow information and the N pieces of target service information; and a registration subunit for registering the association information to the matching relationship record.
Optionally, in the apparatus for processing a funds stream provided in the second embodiment of the present application, the apparatus for processing a funds stream includes: the second determining subunit is used for determining the actual account amount for performing account processing in the transfer funds after performing account processing on the transfer funds related to the funds flow information based on the association relation; and the updating subunit is used for updating the actual account amount to the matching relation record.
Optionally, in the processing device for a funds flow provided in the second embodiment of the present application, the identification information of the loan service includes at least one of the following: borrowing numbers of loan businesses and loan serial numbers of loan businesses.
Optionally, in the apparatus for processing a funds stream provided in the second embodiment of the present application, the query unit includes: the inquiring subunit is used for inquiring the collection flow record of the second object based on the transfer notification information to obtain an inquiring result; and the third determining subunit is used for determining the fund flow information corresponding to the transfer notification information based on the query result.
Optionally, in the apparatus for processing a funds stream provided in the second embodiment of the present application, the apparatus for processing a funds stream further includes: a judging unit for judging whether the total transfer amount associated with the fund flow information is greater than the total loan amount associated with the N target business information; and a transmitting unit configured to transmit target notification information to the first object in a case where the total transfer amount is greater than the total loan amount, wherein the target notification information is used to prompt that the total transfer amount of the first object is greater than the actual loan amount.
The above-mentioned processing device for a funds flow may further include a processor and a memory, where the above-mentioned inquiry unit 41, matching unit 42, association unit 43, and accounting unit 44 are stored as program units, and the processor executes the above-mentioned program units stored in the memory to implement the corresponding functions.
The processor includes a kernel, and the kernel fetches a corresponding program unit from the memory. The core can be provided with one or more than one, through adjusting core parameters, the fund information flow and the business information are automatically matched and correlated, and then the account checking processing is carried out based on the correlation, so that the situation that the account checking processing is carried out when the business information flow matched with the fund flow is manually inquired and account checking errors are easy to occur in the related art is avoided, and the technical effect of improving the accuracy of payment and account checking is achieved.
The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM), which includes at least one memory chip.
According to another aspect of the embodiment of the present invention, there is also provided an electronic device, including: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to perform the method of processing the funds flow of any of the above via execution of the executable instructions.
According to another aspect of the embodiments of the present invention, there is also provided a computer-readable storage medium storing a computer program, wherein the computer program when executed controls a device in which the computer-readable storage medium is located to perform the method of processing a funds flow of any of the above.
Fig. 5 is a schematic diagram of an electronic device according to an embodiment of the present invention, and as shown in fig. 5, an electronic device 50 is provided according to an embodiment of the present invention, where the electronic device includes a processor, a memory, and a program stored on the memory and executable on the processor, and the processor implements a method for processing a fund flow of any one of the above when executing the program.
The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
In the foregoing embodiments of the present invention, the descriptions of the embodiments are emphasized, and for a portion of this disclosure that is not described in detail in this embodiment, reference is made to the related descriptions of other embodiments.
In the several embodiments provided in the present application, it should be understood that the disclosed technology content may be implemented in other manners. The above-described embodiments of the apparatus are merely exemplary, and the division of the units, for example, may be a logic function division, and may be implemented in another manner, for example, a plurality of units or components may be combined or may be integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be through some interfaces, units or modules, or may be in electrical or other forms.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional unit in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.
The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied essentially or in part or all of the technical solution or in part in the form of a software product stored in a storage medium, including instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a removable hard disk, a magnetic disk, or an optical disk, or other various media capable of storing program codes.
The foregoing is merely a preferred embodiment of the present invention and it should be noted that modifications and adaptations to those skilled in the art may be made without departing from the principles of the present invention, which are intended to be comprehended within the scope of the present invention.

Claims (11)

1. A method of processing a funds stream, comprising:
inquiring fund flow information based on the transfer notification information, wherein the fund flow information comprises: information of occurrence of fund flow recorded in the process of transferring funds from a first object to a second object;
based on the transfer notification information, matching the fund flow information with M pieces of target service information, and determining N pieces of target service information matched with the fund flow information in the M pieces of target service information, wherein the target service information comprises: information related to loan business, M and N being positive integers, M being greater than or equal to N;
establishing an association relation between the fund flow information and the N pieces of target service information;
and based on the association relation, performing account entry processing on the transfer funds associated with the funds flow information.
2. The method of processing according to claim 1, wherein the transferring funds comprises: s fund, S is a positive integer, and based on the association relation, the step of posting the transfer funds associated with the fund flow information comprises the following steps:
Based on the association relation, checking whether each fund meets a preset account entry condition or not;
and (3) performing account entry processing on funds meeting the preset account entry conditions in the funds in the S batches.
3. The processing method according to claim 2, wherein the step of verifying whether each of the funds satisfies a preset entry condition based on the association relation, comprises:
checking whether each fund has target service information matched with the fund or not, and obtaining a first checking result;
checking whether the fund amount of each fund is smaller than or equal to the fund amount which is not checked in the transferring funds, and obtaining a second checking result;
and under the condition that the first check result and the second check result are both check-in results, determining that the funds meet the preset account entry conditions.
4. The processing method according to claim 1, wherein the funding flow information includes at least: transaction serial numbers, the target business information comprises: the loan business identification information establishes the association relation between the fund flow information and the N pieces of target business information, and the method further comprises the following steps:
determining association information of the fund flow information and the N pieces of target service information based on the transaction serial number and the identification information of the loan service, wherein the association information is used for recording association relation between the fund flow information and the N pieces of target service information;
And registering the association information to a matching relation record.
5. The processing method according to claim 4, wherein after the posting process of the transfer funds associated with the funds flow information based on the association relationship, further comprising:
determining the actual account amount for account processing in the transfer funds;
and updating the actual account amount to the matching relation record.
6. The processing method of claim 4, wherein the loan transaction identification information comprises at least one of: the borrowing number of the loan business and the paying serial number of the loan business.
7. The processing method according to claim 1, wherein the step of inquiring about the money flow information based on the transfer notification information includes:
inquiring a collection flow record of the second object based on the transfer notification information to obtain an inquiry result;
and determining the fund flow information corresponding to the transfer notification information based on the query result.
8. A method of processing according to claim 1, wherein the method further comprises:
judging whether the total transfer amount associated with the fund flow information is larger than the total loan amount associated with the N pieces of target business information;
And sending target notification information to the first object under the condition that the total transfer amount is larger than the total loan amount, wherein the target notification information is used for prompting that the total transfer amount of the first object is larger than the actual loan amount.
9. A device for processing a stream of funds, comprising:
the inquiry unit is used for inquiring the fund flow information based on the transfer notification information, wherein the fund flow information comprises: information of occurrence of fund flow recorded in the process of transferring funds from a first object to a second object;
the matching unit is configured to match the fund flow information with M pieces of target service information based on the transfer notification information, and determine N pieces of target service information matched with the fund flow information from the M pieces of target service information, where the target service information includes: information related to loan business, M and N being positive integers, M being greater than or equal to N;
the association unit is used for establishing association relation between the fund flow information and the N pieces of target service information;
and the posting unit is used for posting the transfer funds related to the fund flow information based on the association relation.
10. A computer readable storage medium, wherein a computer program is stored in the computer readable storage medium, and wherein the computer program, when executed, controls a device in which the computer readable storage medium is located to perform the method of processing a funds flow according to any of claims 1 to 8.
11. An electronic device comprising one or more processors and memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of processing a funds stream of any of claims 1 to 8.
CN202310495164.5A 2023-05-04 2023-05-04 Method and device for processing fund flow, storage medium and electronic equipment Pending CN116523625A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202310495164.5A CN116523625A (en) 2023-05-04 2023-05-04 Method and device for processing fund flow, storage medium and electronic equipment

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202310495164.5A CN116523625A (en) 2023-05-04 2023-05-04 Method and device for processing fund flow, storage medium and electronic equipment

Publications (1)

Publication Number Publication Date
CN116523625A true CN116523625A (en) 2023-08-01

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Country Status (1)

Country Link
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