CN117057905A - Efficient realization method for banking credit batch repayment business - Google Patents
Efficient realization method for banking credit batch repayment business Download PDFInfo
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Abstract
The invention discloses a high-efficiency realization method for a banking credit batch repayment service. According to the method, a service model is extracted by carding loan batch repayment service scenes, a top-level design is made, batch repayment products are realized according to the service model, asynchronous and modularized service capacity of a system is realized, standardization and collocation of a credit batch repayment process are realized, service function access is completed through flexible collocation after various service scenes are classified according to the product model, the problem that credit product service and the system are coupled deeply is solved, and the problems that the service system is low in reusability, difficult to iterate rapidly and the like are solved. The invention can better and rapidly support the service development, decouple the service development from the system transformation, realize the new service access through configuration, realize the reusability among different credit product capacities, reduce repeated development and reduce the influence of credit product service scenes on batch repayment capacity.
Description
Technical Field
The invention relates to the technical field of software system development, in particular to a high-efficiency realization method for a banking credit batch repayment service.
Background
With the rapid development of the financial industry, the user product experience is continuously improved, the financial scene of the credit business is increasingly abundant, and besides the traditional credit business, the internet credit business also develops rapidly. At present, most of credit repayment business is realized through batch functions, traditional credit batch repayment products are hard customized transformation based on adaptation to business functions, business logic and function coupling is deep, brand new customized transformation is generated when business scenes change, product complexity is higher and higher along with business development, product maintainability is worse and worse over time, products bring great risks and cost investment in development, test, operation and maintenance, and meanwhile, the problems of low reusability, difficulty in quick iteration and the like of the system and the business depth coupling of different loan products are faced.
Due to the particularity of credit repayment service, borrowing needs to be locked during repayment, and the current batch processing mechanism causes long time of client borrowing locking, so that active repayment of clients is affected. Meanwhile, the interactive flow of the credit business is longer, and long and short money is easy to cause, so that the standardized and asynchronous batch repayment flow is beneficial to reducing the long and short money problem caused by abnormality due to interaction between systems.
The method comprises the steps of re-carding loan batch repayment products, making a top layer design, refining a batch repayment business model, taking credit batch repayment business requirements as a leading factor, classifying various loan business scenes according to the batch model, and completing business function access through flexible configuration.
Disclosure of Invention
The invention aims to provide a high-efficiency implementation method for a banking credit batch repayment service, aiming at the defects existing in the prior art.
In order to achieve the above object, the present invention provides a method for efficiently implementing a banking credit batch repayment service, including:
step 1, a credit prepositioned batch deduction subsystem initiates a batch repayment file application to a loan core;
step 2, the loan core generates a batch repayment file according to the received application, the credit front batch deduction subsystem downloads the batch repayment file, then analyzes the batch repayment file, generates a batch number corresponding to the batch repayment file, and stores batch number information of the batch repayment;
step 3, the credit preposed batch deduction subsystem inquires the details of batch repayment according to the batch number, if the details of the batch repayment under the batch number are smaller than or equal to 0, the process is directly finished, and if the details of the batch number are larger than 0, the process is continued;
step 4, the credit prepositioned batch deduction subsystem performs business logic inspection before batch deduction, and if the inspection passes, the flow is continued; if the check fails, setting the state of the borrowing as repayment failure, and then processing the next to-be-deducted borrowing;
step 5, inquiring the binding card information, and if the binding card information is not inquired, setting the binding card information as transaction failure; if the inquiry is successful, the hand information is uploaded according to the existing rule, and the flow is continued;
step 6, the credit prepositioned batch deduction subsystem calls a loan core to conduct borrowing trial calculation and receives a trial calculation result;
step 7, the credit preposed batch deduction subsystem initiates batch repayment detail processing, and calls a credit preposed transaction subsystem to carry out batch repayment;
step 8, the credit preposed transaction subsystem asynchronously accepts, caches and accepts requests, sends a deduction and loan core repayment and account-depositing request to the downstream by one according to flow threshold current limiting, and returns repayment results to an upstream service system;
and 9, judging a repayment result, and updating a repayment transaction state according to the repayment result, wherein the repayment result comprises repayment success and repayment failure.
Further, the format of the batch repayment file is as follows:
batch number |borrowing number|transaction date|product number|customer name|amount due|principal overdue day|interest overdue day|loan account status|whether a fused load compensation flag|loan account|upstream product code occurs.
Further, the business logic check before batch deduction includes:
checking whether the batch repayment borrowing data is in batch repayment frequency time, checking whether the batch repayment processing overdue rule is met by the batch repayment borrowing data, and checking whether transaction records exist in the repayment processing of the batch repayment borrowing data;
if the borrowing is not within the batch repayment frequency and/or the overdue rule of the batch repayment process and/or the transaction record exists in the repayment process, the check is not passed, otherwise, the check is passed.
Further, the overdue rule of the batch repayment processing includes overdue days and withholding dates of the overdue days set in a month.
The batch repayment detail processing method comprises the following steps:
comparing the deducted total amount returned by trial calculation with the deducted total amount in the batch repayment file, and taking the small value as the batch repayment amount;
obtaining and storing a deduction batch corresponding to the message;
generating a global serial number according to a global serial number rule, and storing and transmitting downwards in a transparent way;
setting batch repayment transaction data as in-process, and storing batch repayment information;
assembling asynchronous repayment parameters to generate batch repayment serial numbers, wherein the first 4 bits are as follows: the PKHK requests the asynchronous repayment interface of the credit front-end transaction subsystem to repay.
Further, if the repayment transaction is overtime, updating the repayment transaction state as in-process, triggering a verification mechanism, and verifying the final state of the transaction.
Further, the method further comprises the following steps:
and providing a standard API interface for the cooperation platform, and carrying out peak elimination processing through asynchronous transformation so as to protect a business system in a bank while meeting the deduction time effect requirements of the cooperation platform.
Further, the method further comprises the following steps:
the task component perfects an abnormality compensation mechanism, and the abnormality compensation mechanism is used for automatically completing compensation when the system is abnormally recovered, so that a user card list is prevented.
Further, the method further comprises the following steps:
the standard accounting model of the product is abstracted, and the corresponding accounting entry and fund flow are designed by the follow-up product according to the standard accounting model, so that one-key account adjustment is completed through post-management processing after account is checked out.
Further, the method further comprises the following steps:
an active notification mechanism is established for the batch repayment service full link, and a transaction final state is rapidly provided for the upstream.
Further, the method further comprises the following steps:
a monitoring mechanism is introduced to batch repayment capabilities to shorten the discovery time of transactions with anomalies.
The beneficial effects are that: 1. the risk of the product is reduced, and by means of model analysis, extraction and field establishment of credit products, personnel such as products, operation and development can more clearly realize service demands, the coupling depth between different services is reduced, and the iterative maintenance of the service demands is more convenient;
2. the development efficiency is improved, developers do not need to pay attention to business scenes too much, only pay attention to batch repayment capability models, meanwhile, public components can be directly used, business processes are easy to design and rearrange, so that the development speed of the developers is faster, and the system maintenance is easier;
3, the service access is more convenient, and the new service access batch repayment capability can be realized rapidly through the combination of credit product module capability, so that the product capability reusability is greatly improved, the rapid response capability to the service is improved, and the operation capability of credit batch repayment is improved;
4. the complexity of the product is reduced, the flexible expansion and combination can be realized according to the service realization requirement by managing the module capability of batch repayment of the credit, the structure of the product is clearer, the reusability is high, and the complexity of the product is greatly reduced;
5. by establishing an active notification mechanism of each node, repayment timeliness is improved, repayment time consumption is expected to be reduced by about 50%, and customer experience is improved;
6. the task assembly perfects an abnormality compensation mechanism, so that the standardized abnormality compensation can automatically complete compensation when the system abnormality is recovered, and a user card list is prevented;
7. through constructing standard API interface, through asynchronous transformation, carry out the peak elimination and handle, when satisfying batch repayment service time-dependent appeal, protection system. The borrowing locking time is reduced through an asynchronous acceptance mode of batch transaction, and the active repayment success rate of a user is improved;
8. abstract product standard accounting model, follow-up product designs corresponding accounting entry and fund flow according to standard accounting model, after account is checked out, one-key account adjustment can be completed through post-management processing, and meanwhile, the whole business link flow is connected in series through global serial numbers; meanwhile, the reconciliation task is developed to automatically monitor the account-hanging transaction, and the operation timeliness is improved.
Drawings
FIG. 1 is a flow diagram of a method for efficient implementation of a banking credit batch repayment service in accordance with an embodiment of the present invention;
FIG. 2 is a flow chart of interactions of a credit lead system with a loan core and network loan system, in accordance with an embodiment of the invention;
FIG. 3 is an asynchronous process flow diagram;
FIG. 4 is a flow chart of a compensation mechanism for batch repayment;
FIG. 5 is a standardized schematic diagram of a product accounting model for bulk repayment;
FIG. 6 is a schematic diagram of a reconciliation task withdrawal for a bulk repayment service;
FIG. 7 is a time-consuming schematic diagram of a batch payment service after an active notification mechanism is established for the full link;
FIG. 8 is a schematic diagram of a bulk repayment service efficient processing mechanism introducing a global serial number;
FIG. 9 is a schematic diagram of a bulk payback capability introduction monitoring mechanism.
Detailed Description
The invention will be further illustrated by the following drawings and specific examples, which are carried out on the basis of the technical solutions of the invention, it being understood that these examples are only intended to illustrate the invention and are not intended to limit the scope of the invention.
As shown in fig. 1 and 2, the embodiment of the present invention provides a method for efficiently implementing a banking credit batch repayment service, including:
and step 1, a credit front batch deduction subsystem initiates a batch repayment file application to a loan core. Specifically, the format of the batch repayment file is as follows: batch number |borrowing number|transaction date|product number|customer name|amount due|principal overdue day|interest overdue day|loan account status|whether a fused load compensation flag|loan account|upstream product code occurs.
And 2, the loan core generates a batch repayment file according to the received application, the credit front-end batch deduction subsystem downloads the batch repayment file, then analyzes the batch repayment file, generates a batch number corresponding to the batch repayment file, and stores batch number information of the batch to be repayed.
And 3, inquiring the detail of repayment to be batched by the credit preposed batch deduction subsystem according to the batch number, if the detail of repayment to be batched is less than or equal to 0 under the batch number, directly ending, and if the detail is more than 0, continuing the flow, and entering the step 4.
Step 4, the credit prepositioned batch deduction subsystem performs business logic inspection before batch deduction, if the inspection passes, the flow continues, and the step 5 is entered; if the check fails, the state of the borrowing is set as repayment failure, and then the next pending deduction of the borrowing is processed. Specifically, the business logic check before batch deduction includes: and checking whether the batch repayment borrowing is in batch repayment frequency time, checking whether the batch repayment processing overdue rule is met by the batch repayment borrowing, and checking whether transaction records exist in the repayment processing of the batch repayment borrowing. If the borrowing is not within the batch repayment frequency and/or the overdue rule of the batch repayment process and/or the transaction record exists in the repayment process, the check is not passed, otherwise, the check is passed. The batch payment processing overdue rule includes overdue days (M0, M1, M2, M3, m3+ etc.) and a monthly overdue day.
Step 5, inquiring the binding card information, and if the binding card information is not inquired, setting the binding card information as transaction failure; if the inquiry is successful, the hand information is uploaded according to the existing rule, the flow continues, and the step 6 is entered. The present step is not shown in the flowchart.
And step 6, the credit prepositioned batch deduction subsystem calls a loan core to conduct borrowing trial calculation and receives a trial calculation result.
And 7, the credit preposed batch deduction subsystem initiates batch repayment detail processing, and calls the credit preposed transaction subsystem to carry out batch repayment. Specifically, the batch repayment detail processing method is as follows:
and comparing the deducted total amount returned by trial calculation with the deducted total amount in the batch repayment file, and taking the small value as the batch repayment amount.
And obtaining the deduction batch (morning, evening) corresponding to the message, and storing.
And generating a global serial number according to a global serial number rule, and storing and transmitting downwards.
Setting batch repayment transaction data as processing, and storing batch repayment information.
Assembling asynchronous repayment parameters to generate batch repayment serial numbers, wherein the first 4 bits are as follows: the PKHK requests the asynchronous repayment interface of the credit front-end transaction subsystem to repay.
And 8, asynchronously accepting by the credit preposed transaction subsystem, caching and accepting requests, sending a deduction and loan core repayment and account depositing request to the downstream by one according to flow threshold current limiting, and returning a repayment result to the upstream service system.
And 9, judging a repayment result, and updating a repayment transaction state according to the repayment result, wherein the repayment result comprises repayment success and repayment failure. If the repayment transaction is overtime, updating the repayment transaction state as in-process, triggering a verification mechanism, and verifying the final state of the transaction. Typically, the timeout may be set to 2 minutes.
Referring to fig. 3, the batch repayment of the embodiment of the present invention uses an asynchronous processing scheme to improve system throughput. In addition, the invention also provides a standard API interface for the cooperation platform, and peak elimination processing is carried out through asynchronous transformation so as to protect a business system in a bank while meeting the deduction time-effect requirements of the cooperation platform. And the batch transaction can be split into an asynchronous acceptance mode, so that the borrowing locking time is shortened, and the initiative repayment success rate of the user is improved.
Referring to fig. 4, embodiments of the present invention also include a compensation mechanism design for batch repayment. Specifically, an abnormality compensation mechanism is perfected through a task component, and the abnormality compensation mechanism is used for automatically completing compensation when the system is abnormally recovered, so that a user card list is prevented.
Referring to fig. 5, embodiments of the present invention also normalize the product accounting model for bulk payouts. Specifically, a standard accounting model of a product is abstracted, and a subsequent product designs a corresponding accounting entry and fund flow according to the standard accounting model so as to finish one-key account adjustment through post-management processing after account is checked out. The accounting entry is specifically as follows:
standard entry style specification: the external fund is tied up, and the internal records are consistent.
1. The third party pays money to be cleared-XX channel to be cleared (31310201) or the transitional user account pays the channel to be cleared account, and the account is positioned in the daytime accounting from channel settlement to my line funds, and the end-of-day account is closed;
2. the account to be paid for the clearing money-XX product (31310201) is the account to be cleared for the specific product, and is positioned outside the my interest penalties, and the rest of funds to be cleared are as follows: melting charge;
3. other payable-XX product repayment transition users (22479901) are line repayment transition users of specific products and are positioned to record my line and participation line repayment fund accounts;
4. other funds to and from the deposit and lending system to and from (33019901) are the account of the balance between the deposit and lending cores and are the total transition accounts of all the released funds;
5. other accounts may not appear except for the subject of "to pay clearing money (or payment transitional account)";
6. the ' to-be-paid clearing money-clapping credit ', ' participating in the running of the home and ' other funds to and from the money-storing credit system ' cannot be simultaneously and not appeared;
7. if there is an occurrence of "participating in the line of interest", "other funds to/from money-deposit/loan system to/from" other payable money-beat/loan repayment transitional household "needs to occur.
Referring to fig. 6, an embodiment of the present invention further includes reconciliation task withdrawal for a bulk repayment service. Batch account checking and downstream system number supply decoupling support batch power and the like running again. And the batch tasks are migrated to the reconciliation platform, so that the system pressure is reduced.
Referring to fig. 7, an embodiment of the present invention further includes establishing an active notification mechanism for the full link of the bulk repayment service, providing a transaction end state for the upstream fast, with an estimated reduction in repayment time of about 50%.
Referring to fig. 8, the embodiment of the present invention further introduces a global serial number for the efficient processing mechanism of the batch repayment service, and connects the whole service link flow in series through the global serial number; meanwhile, the account checking task is developed to automatically monitor account checking transaction, account checking discovery is promoted, and timeliness is solved.
Referring to FIG. 9, embodiments of the present invention also include introducing a monitoring mechanism to batch repayment capabilities to reduce discovery timeliness of transactions with anomalies. The existing monitoring can be comprehensively combed, the monitoring dead angles can be cleared, and the detailed list of the large purple gold disk is perfected. See for details the following table:
the foregoing is merely a preferred embodiment of the present invention, and it should be noted that other parts not specifically described are within the prior art or common general knowledge to a person of ordinary skill in the art. Modifications and alterations may be made without departing from the principles of this invention, and such modifications and alterations should also be considered as being within the scope of the invention.
Claims (10)
1. A method for efficiently implementing a mass repayment service in relation to banking credit, comprising:
step 1, a credit prepositioned batch deduction subsystem initiates a batch repayment file application to a loan core;
step 2, the loan core generates a batch repayment file according to the received application, the credit front batch deduction subsystem downloads the batch repayment file, then analyzes the batch repayment file, generates a batch number corresponding to the batch repayment file, and stores batch number information of the batch repayment;
step 3, the credit preposed batch deduction subsystem inquires the details of batch repayment according to the batch number, if the details of the batch repayment under the batch number are smaller than or equal to 0, the process is directly finished, and if the details of the batch number are larger than 0, the process is continued;
step 4, the credit prepositioned batch deduction subsystem performs business logic inspection before batch deduction, and if the inspection passes, the flow is continued; if the check fails, setting the state of the borrowing as repayment failure, and then processing the next to-be-deducted borrowing;
step 5, inquiring the binding card information, and if the binding card information is not inquired, setting the binding card information as transaction failure; if the inquiry is successful, the hand information is uploaded according to the existing rule, and the flow is continued;
step 6, the credit prepositioned batch deduction subsystem calls a loan core to conduct borrowing trial calculation and receives a trial calculation result;
step 7, the credit preposed batch deduction subsystem initiates batch repayment detail processing, and calls a credit preposed transaction subsystem to carry out batch repayment;
step 8, the credit preposed transaction subsystem asynchronously accepts, caches and accepts requests, sends a deduction and loan core repayment and account-depositing request to the downstream by one according to flow threshold current limiting, and returns repayment results to an upstream service system;
and 9, judging a repayment result, and updating a repayment transaction state according to the repayment result, wherein the repayment result comprises repayment success and repayment failure.
2. The efficient implementation of a batch repayment service for banking credits of claim 1, wherein the batch repayment file is formatted as follows:
batch number |borrowing number|transaction date|product number|customer name|amount due|principal overdue day|interest overdue day|loan account status|whether a fused load compensation flag|loan account|upstream product code occurs.
3. The method of claim 1, wherein the pre-batch payment business logic check comprises:
checking whether the batch repayment borrowing data is in batch repayment frequency time, checking whether the batch repayment processing overdue rule is met by the batch repayment borrowing data, and checking whether transaction records exist in the repayment processing of the batch repayment borrowing data;
if the borrowing is not within the batch repayment frequency and/or the overdue rule of the batch repayment process and/or the transaction record exists in the repayment process, the check is not passed, otherwise, the check is passed.
4. The method of claim 3, wherein the bulk payment processing overdue rules include overdue days and withholding dates for monthly overdue days;
the batch repayment detail processing method comprises the following steps:
comparing the deducted total amount returned by trial calculation with the deducted total amount in the batch repayment file, and taking the small value as the batch repayment amount;
obtaining and storing a deduction batch corresponding to the message;
generating a global serial number according to a global serial number rule, and storing and transmitting downwards in a transparent way;
setting batch repayment transaction data as in-process, and storing batch repayment information;
assembling asynchronous repayment parameters to generate batch repayment serial numbers, wherein the first 4 bits are as follows: the PKHK requests the asynchronous repayment interface of the credit front-end transaction subsystem to repay.
5. The method of claim 1, wherein if the repayment transaction is overtime, updating the repayment transaction state to be in process triggers a verification mechanism to verify the final state of the transaction.
6. The method for efficient implementation of a mass repayment service for banking credit according to claim 1, further comprising:
and providing a standard API interface for the cooperation platform, and carrying out peak elimination processing through asynchronous transformation so as to protect a business system in a bank while meeting the deduction time effect requirements of the cooperation platform.
7. The method for efficient implementation of a mass repayment service for banking credit according to claim 1, further comprising:
the task component perfects an abnormality compensation mechanism, and the abnormality compensation mechanism is used for automatically completing compensation when the system is abnormally recovered, so that a user card list is prevented.
8. The method for efficient implementation of a mass repayment service for banking credit according to claim 1, further comprising:
the standard accounting model of the product is abstracted, and the corresponding accounting entry and fund flow are designed by the follow-up product according to the standard accounting model, so that one-key account adjustment is completed through post-management processing after account is checked out.
9. The method for efficient implementation of a mass repayment service for banking credit according to claim 1, further comprising:
an active notification mechanism is established for the batch repayment service full link, and a transaction final state is rapidly provided for the upstream.
10. The method for efficient implementation of a mass repayment service for banking credit according to claim 1, further comprising:
a monitoring mechanism is introduced to batch repayment capabilities to shorten the discovery time of transactions with anomalies.
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| CN202311039651.7A CN117057905A (en) | 2023-08-17 | 2023-08-17 | Efficient realization method for banking credit batch repayment business |
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