CN117350829A - Bank collecting business processing method and device, electronic equipment and storage medium - Google Patents
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Abstract
The application discloses a method, a device, electronic equipment and a storage medium for processing a bank collecting service, wherein the method comprises the following steps: based on the work information of each employee, determining the personal payable amount of each employee in the collecting business and the enterprise payable amount of each employee in the collecting business by the enterprise to which each employee belongs; transferring first funds corresponding to the personal accounts to be paid to the collection accounts corresponding to the collection business from the personal accounts of all staff; under the condition that the first funds of all employees are transferred to the collection account, collecting the subsidy amount of the enterprise corresponding to each employee, and generating the subsidy total of the enterprise; and transferring the second funds corresponding to the subsidized total amount from the public account of the enterprise to the collection account. The method and the device disclosed by the application improve the processing efficiency of the banking system when processing the collecting business and also improve the response speed of the banking system.
Description
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a method and apparatus for processing a banking collection service, an electronic device, and a storage medium.
Background
The bank collection business refers to a business that an enterprise entrusts a bank to collect money of a public account opened at the bank, and transfers funds of other personal accounts or other enterprises to the public account to the enterprise to the public account. The collection business debits the other personal account or other institution business against the public account, crediting the business against the public account. For example, when the business is an insurance company, the collection premium belongs to the collection business, and the public account of other personal accounts or other institutions and enterprises is debited, and the public account of the insurance company is credited.
Some enterprises often make subsidies when buying certain types of goods or certain types of services for staff in a collective way, the amount of the subsidies of the enterprises is not directly supplied to staff individuals, but when the staff make purchase transactions by paying in banks, the staff pay the personal accounts payable parts, and the enterprises pay the enterprise accounts payable parts. When processing such a collecting service, the bank service system usually transfers accounts to a personal account of a staff and a public account of an enterprise, and then completes the collecting service to the staff. When the staff number in the enterprise is large, the banking system has low processing efficiency and low response speed.
Therefore, how to improve the processing efficiency and response speed of the banking system when processing the collecting business is a technical problem to be solved in the industry.
Disclosure of Invention
The application provides a method, a device, electronic equipment and a storage medium for processing a banking business, which are used for solving the technical problem of how to improve the processing efficiency and response speed of a banking business system when processing the banking business.
The application provides a method for processing a bank collection service, which comprises the following steps:
based on the work information of each employee, determining the personal payable amount of each employee in the collecting business and the enterprise payable amount of each employee in the collecting business by the enterprise to which each employee belongs;
transferring first funds corresponding to the personal accounts to be paid to the collection accounts corresponding to the collection business from the personal accounts of all staff;
under the condition that the first funds of all employees are transferred to the collection account, collecting the subsidy amount of the enterprise corresponding to each employee, and generating the subsidy total of the enterprise;
and transferring the second funds corresponding to the subsidized total amount from the public account of the enterprise to the collection account.
In some embodiments, the determining, based on the work information of each employee, an individual payable amount of each employee in the collecting service and an enterprise payable amount of each employee in the collecting service by an enterprise to which each employee belongs, includes:
Determining the job level and the job age of each employee based on the work information of each employee;
determining a first subsidy proportion coefficient of each employee in the collecting business based on the job level of each employee;
determining a second subsidy proportion coefficient of each employee in the collection business based on the work age of each employee;
and determining the personal payable amount and the enterprise payable amount corresponding to each employee based on the first payable proportional coefficient and the second payable proportional coefficient of each employee and the payable total amount of each employee in the collection business.
In some embodiments, after the transferring the second funds corresponding to the subsidy total from the corporate public account to the collection account, the method further comprises:
generating a collecting service payment record of each employee based on the transfer record of the first funds and the transfer record of the second funds;
sending the collection business payment records of all employees to a business processing system corresponding to the collection business;
receiving payment confirmation results of all staff sent by a service processing system corresponding to the collection service;
and determining that the processing result of the collection service is successful based on the payment confirmation result of each employee.
In some embodiments, the generating a payment record for each employee based on the transfer record of the first funds and the transfer record of the second funds includes:
determining the collection fee sum of the collection business based on the collection fee sum of each employee in the collection business;
determining an actual collection total of the collection account corresponding to the collection service based on the amount of the first funds and the amount of the second funds received in the collection account corresponding to the collection service;
and under the condition that the actual collection total sum is equal to the collection fee total sum, generating collection business payment records of all staff.
In some embodiments, the generating a payment record for each employee based on the transfer record of the first funds and the transfer record of the second funds includes:
under the condition that any transfer record of the first funds is failed in transfer, determining a target employee corresponding to the transfer record;
determining the enterprise subsidy amount of the target staff in the collection business by the enterprise;
and transferring third funds corresponding to the enterprise subsidy amount of the target staff in the collection business from the collection account to the public account of the enterprise.
In some embodiments, after the determining that the processing result of the collecting service is successful based on the payment confirmation result of each employee, the method further includes:
receiving a service collecting inquiry request;
sending payment records of the collecting business of each employee, payment confirmation results of each employee and payment records of the enterprise subsidy amount of the enterprise;
the payment records of the collection business of each employee comprise the payment records of the personal accounts to be paid and the enterprise subsidy corresponding to each employee.
In some embodiments, the method further includes, before determining, based on the work information of each employee, an individual payable amount of each employee in the collection service and an enterprise payable amount of each employee in the collection service by an enterprise to which each employee belongs:
work information of each employee is generated based on the enterprise code, employee name, employee level, employee business age and employee identification information corresponding to each employee.
The application provides a bank collection business processing device, which comprises:
the determining module is used for determining the personal payable amount of each employee in the collecting service and the enterprise subsidy amount of each employee in the collecting service of each enterprise to which each employee belongs based on the working information of each employee;
The first receiving module is used for transferring the first funds corresponding to the personal accounts to be paid to the receiving accounts corresponding to the receiving service from the personal accounts of all staff;
the summarizing module is used for summarizing the subsidy amount of the enterprise corresponding to each employee under the condition that the first funds of each employee are transferred to the collection account, so as to generate the subsidy total of the enterprise;
and the second generation receiving module is used for transferring the second funds corresponding to the subsidy total amount from the public account of the enterprise to the generation receiving account.
The present application provides an electronic device comprising a memory in which a computer program is stored and a processor arranged to execute the banking transaction processing method by means of the computer program.
The application provides a computer readable storage medium comprising a stored program, wherein the program executes the bank collecting business processing method.
The bank collecting service processing method, the device, the electronic equipment and the storage medium provided by the application determine the personal payable amount of each employee in the collecting service and the enterprise subsidy amount of each employee in the collecting service of each enterprise to which each employee belongs based on the working information of each employee; transferring first funds corresponding to the personal accounts to be paid to the corresponding collecting accounts of the collecting business from the personal accounts of all staff; under the condition that the first funds of all employees are transferred to the collection account, the subsidy amount of the enterprise corresponding to each employee is summarized, and the subsidy total of the enterprise is generated; transferring second funds corresponding to the subsidized total amount from the public account of the enterprise to the collection account; when the collection business of staff is processed, the enterprise subsidy amount is collected and then funds are transferred, so that the operation times of transferring funds from the public account of the enterprise are reduced, the processing efficiency of the banking system in processing the collection business is improved, the response speed of the banking system is also improved, and the use experience of a user on the banking system is improved.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description, serve to explain the principles of the application.
In order to more clearly illustrate the technical solutions of the present application or the prior art, the following description will briefly introduce the drawings used in the embodiments or the description of the prior art, and it is obvious that, in the following description, the drawings are some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a schematic flow chart of a method for processing a banking collection service provided in the present application;
fig. 2 is a schematic structural diagram of a banking collection service processing device provided in the present application;
FIG. 3 is a second schematic diagram of a device for processing a banking transaction according to the present disclosure;
fig. 4 is a schematic structural diagram of an electronic device provided in the present application.
Detailed Description
In order to make the present application solution better understood by those skilled in the art, the following description will be made in detail and with reference to the accompanying drawings in the embodiments of the present application, it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, shall fall within the scope of the present application.
It should be noted that the terms "first," "second," and the like herein 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 embodiments of the present application 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 units or modules is not necessarily limited to those steps or units or modules that are expressly listed or inherent to such process, method, article, or apparatus.
In the technical scheme of the application, the related processes of collecting, storing, using, processing, transmitting, providing, disclosing and the like of the client personal information all accord with the regulations of related laws and regulations, necessary security measures are adopted, and the public order harmony is not violated.
Fig. 1 is a flow chart of a method for processing a banking collection service provided in the present application, as shown in fig. 1, the method includes a step 110, a step 120, a step 130 and a step 140.
Step 110, based on the work information of each employee, determining the personal payable amount of each employee in the collection business and the enterprise payable amount of each employee in the collection business for each enterprise to which each employee belongs.
Specifically, the execution main body of the method for processing the bank collecting service provided by the embodiment of the application is a device for processing the bank collecting service. The device may be implemented in software, such as a collection service handler running in a banking system; the device for executing the bank collecting service processing method can also be a mobile terminal, a tablet computer, a desktop computer or a server.
The application scene of the method provided by the embodiment of the application processes the collection business for the banking business system. The collection business is a business in which a customer business provides goods or services to other businesses or individuals, and a consignment bank collects money from other businesses or individuals who receive goods or services. The client enterprise initiating the delegation needs to set up a public account, also known as a proxy account, at the bank. Some enterprises often make subsidies when the enterprises purchase certain types of goods or certain types of services in a collective way, the enterprise subsidy amount is not directly paid to the staff, but when the staff pay the public account of the enterprises providing the goods or services through a bank, the staff pay the personal part of the payable through the personal account, and the affiliated enterprises pay the enterprise subsidy part through the public account of the enterprises.
The individual payable amount is the amount that the employee needs to pay when buying goods or services. The enterprise subsidy amount is the amount of subsidy for the enterprise to which the employee belongs to conduct the purchasing behavior of the employee. The sum of the individual amount due and the corporate subsidy amount is the sum of funds that the bank needs to collect for a single employee.
The amount of subsidy for an enterprise is often different for each employee, and is typically related to the employee's work information. The job information includes job-related information such as employee level, job age, job site, and the like. For example, the higher the employee's job level, the greater the amount of corporate subsidy provided by the corporation; the longer the staff's working age, the larger the enterprise subsidy amount the enterprise provides, etc. Generally, the price of goods or services is fixed, and the larger the amount of corporate subsidy provided by a corporation, the smaller the individual amount to be paid by the employee's individual.
That is, according to the work information of each employee in the enterprise, the personal payable amount of each employee in the collection business and the enterprise payable amount of each employee in the collection business by the affiliated enterprise can be calculated according to the subsidy rule set by the enterprise.
For example, the escrow service processed by the bank may be an insurance purchase escrow service. The insurance company opens a public account at the bank, and the bank charges the personal or enterprise needing to purchase insurance. For an enterprise, the enterprise subsidies the employee's purchase of the insurance. The higher the employee's job level, the greater the amount of subsidized. The enterprise can send the subsidy rules and the work information of each employee to a banking system, and the banking system automatically calculates the personal payable amount of each employee in the insurance purchase and collection business (the collection business) and the enterprise subsidy amount of each employee in the insurance purchase business.
And 120, transferring the first funds corresponding to the personal accounts to the collection accounts corresponding to the collection business from the personal accounts of the staff.
Specifically, the bank may sign up with each employee, and each employee authorizes the bank to conduct transactions such as deduction of fees from each employee's personal account.
After determining the personal account of each employee in the collection service, the bank collection service processing device may first transfer accounts to the personal account of each employee. The personal account is an account set up by an employee person in a bank, and the deposit amount in the personal account is governed by the employee person.
And the bank collecting service processing device transfers the first funds transfer corresponding to the personal account of each employee to the collecting account corresponding to the collecting service.
And 130, under the condition that the first funds of all the staff are transferred to the collection account, summarizing the subsidy amount of the enterprise corresponding to each staff, and generating the subsidy total of the enterprise.
Specifically, in the related art, after a bank transfers a first fund corresponding to a personal to-be-paid amount to a receiving account in a personal account of an employee, the bank generally transfers the fund corresponding to the to-be-paid amount of the corporation to the receiving account from a public account of the corporation according to the to-be-paid amount of the corporation to the employee. Only after the two transfers are completed is a complete collection service completed. If the number of people in the enterprise is large, the banking system will frequently process the collection business when the number of purchased goods or services is large. The processing mode has low efficiency, occupies the computing resources of the banking system, slows down the response speed of the banking system for processing other services, and influences the use experience of users.
In this embodiment of the present application, the bank collecting service processing device may complete the transfer of the first funds to the collecting account. And under the condition that the first funds of all the employees are transferred to the collection account, summarizing the subsidy amount of the enterprise corresponding to each employee, and calculating to obtain the subsidy total of the enterprise. The subsidy total is the total value of the enterprise subsidy amount of each employee by the enterprise.
And 140, transferring second funds corresponding to the subsidized total amount from the public account of the enterprise to the collecting account.
Specifically, after calculating the total amount of subsidy, the bank collecting service processing device can transfer the second funds corresponding to the total amount of subsidy to the collecting account from the public account of the corporation, and the transfer of the subsidy amount of the corporation of each employee in the corporation can be realized only by completing one transfer.
According to the bank collecting business processing method provided by the embodiment of the application, based on the work information of each employee, the personal amount to be paid of each employee in the collecting business and the enterprise amount to be paid of each employee in the collecting business by each enterprise to which each employee belongs are determined; transferring first funds corresponding to the personal accounts to be paid to the corresponding collecting accounts of the collecting business from the personal accounts of all staff; under the condition that the first funds of all employees are transferred to the collection account, the subsidy amount of the enterprise corresponding to each employee is summarized, and the subsidy total of the enterprise is generated; transferring second funds corresponding to the subsidized total amount from the public account of the enterprise to the collection account; when the collection business of staff is processed, the enterprise subsidy amount is collected and then funds are transferred, so that the operation times of transferring funds from the public account of the enterprise are reduced, the processing efficiency of the banking system in processing the collection business is improved, the response speed of the banking system is also improved, and the use experience of a user on the banking system is improved.
It should be noted that each embodiment of the present application may be freely combined, permuted, or executed separately, and does not need to rely on or rely on a fixed execution sequence.
In some embodiments, step 110 comprises:
determining the job level and the job age of each employee based on the work information of each employee;
determining a first subsidy proportion coefficient of each employee in the collecting business based on the job level of each employee;
determining a second subsidy proportion coefficient of each employee in the collection business based on the work age of each employee;
and determining the personal payable amount and the enterprise payable amount corresponding to each employee based on the first payable proportional coefficient and the second payable proportional coefficient of each employee and the payable total amount of each employee in the collection business.
Specifically, the work information of each employee is subjected to text analysis, so that the job level and the job age of each employee can be obtained. The job level refers to the job level of an employee at the enterprise. The working age refers to the working time of staff in an enterprise. The text parsing method may include a statistical word segmentation method or a machine learning word segmentation method, etc.
The subsidy proportion coefficient is used for representing the proportion of the amount of subsidy to the staff in the total amount of the payable. The total amount to be paid is the sum of funds of a single employee in the collection business, and specifically comprises the personal amount to be paid by the employee through a personal account and the enterprise subsidy amount paid by the enterprise for the employee through a public account, namely the total amount to be paid = personal amount to be paid + enterprise subsidy amount.
And determining a first subsidy proportion coefficient of each employee in the collecting business according to the job level of each employee. For example, a job level subsidy table may be set in the bank collecting service processing apparatus. The contents of the table may include a plurality of job levels, and patch scaling coefficients corresponding to each job level. The first subsidy scaling factor of the employee may be obtained by way of a look-up table.
And determining a second subsidy proportion coefficient of each employee in the collection business based on the work age of each employee. For example, a job-age subsidy table may be set in the bank collecting service processing apparatus. The contents of the table may include a plurality of work ages, and patch scaling factors corresponding to each work age. The second subsidy scaling factor of the employee may be obtained by way of a look-up table.
The first patch scaling factor and/or the second patch scaling factor may be used to determine a final patch scaling factor corresponding to each employee, specifically according to a patch principle determined by the enterprise, for example, considering performing patches according to job classes, performing patches according to job ages, or performing patches according to job classes and job ages at the same time. And determining the enterprise subsidy amount corresponding to each employee according to the total amount of the employee to be paid and the final subsidy proportion coefficient in the collection business, and further determining the personal amount to be paid corresponding to each employee.
In addition, the work information of the staff member may also include the sex, the work place, etc. of the staff member. Likewise, a gender subsidy table and a job site subsidy table may be provided in the bank collecting service processing apparatus. The content of the gender patch table comprises patch proportion coefficients corresponding to different genres. The contents of the job site patch table include a plurality of job sites, and patch scaling factors corresponding to the respective job sites. The third subsidy proportion coefficient may be determined according to the gender of each employee, and the fourth subsidy proportion coefficient may be determined according to the work site of each employee. And finally, determining a final patch proportion coefficient according to at least one of the first patch proportion coefficient to the fourth patch proportion coefficient.
According to the bank collecting service processing method, the subsidy proportion coefficients are calculated according to the job level and the job age of each employee, flexibility of a bank service system in processing collecting service is improved, and the requirement of collecting service can be met better.
In some embodiments, after step 140, the method further comprises:
generating a collecting service payment record of each employee based on the transfer record of the first funds and the transfer record of the second funds;
Sending the collection business payment records of all employees to a business processing system corresponding to the collection business;
receiving payment confirmation results of all staff sent by a service processing system corresponding to the collection service;
and determining the processing result of the collection service to be successful based on the payment confirmation result of each employee.
Specifically, after the first funds and the second funds are transferred to the collection account, the bank collection transaction process generates a transfer record of the first funds and a transfer record of the second funds, respectively.
And verifying the transfer record of the first funds and the transfer record of the second funds, and generating the collection business payment records of all employees. And e.g. checking the sum of all the first funds and the sum of the second funds, and determining the employee who is successful in paying according to the checking result, thereby generating the payment record of the employee's collecting business.
The bank collecting service processing device sends collecting service payment records of all employees to service processing systems corresponding to collecting services, and the service processing systems corresponding to collecting services confirm the collecting service payment records of all employees to generate payment confirmation results of all employees. The payment confirmation result can be used as the basis for providing goods or services for staff by the service processing system corresponding to the collection service.
And the service processing system corresponding to the collecting service transmits the payment confirmation result of each employee to the bank collecting service processing device, and the bank collecting service processing device determines that the processing result of the collecting service is successful.
According to the bank collecting service processing method, collecting service payment records of all employees are sent to the service processing system corresponding to the collecting service, the service processing system corresponding to the collecting service sends payment confirmation results of all the employees, the processing results of the collecting service are determined to be successful, and fund safety of the bank service system in processing the collecting service is improved.
In some embodiments, generating a payment record for the collection business for each employee based on the transfer record of the first funds and the transfer record of the second funds comprises:
determining the collection fee sum of the collection business based on the sum of the accounts to be paid of each employee in the collection business;
determining the actual total collection amount of the collection account corresponding to the collection service based on the amount of the first funds and the amount of the second funds received in the collection account corresponding to the collection service;
and under the condition that the actual collection total sum is equal to the collection fee total sum, generating collection business payment records of all staff.
Specifically, the bank deposit and withdrawal service processing device can also confirm the safety of funds.
After the bank collecting service processing device finishes the transfer of the first funds corresponding to the total amount of the accounts to be collected in the collecting service, the total amount of the collecting service can be calculated according to the total amount of the accounts to be collected in the collecting service and the final subsidy proportion coefficient of the staff. The total amount of the collection fee is the expected collection total amount of the collection business.
And after the bank collecting service processing device finishes the transfer of the second funds corresponding to the subsidy total, accumulating the amount of the first funds and the amount of the second funds, and calculating to obtain the actual collecting total of the collecting account corresponding to the collecting service.
And under the condition that the actual collection sum is equal to the collection fee sum, the bank collection business processing device determines that the collection funds are free of errors and generates collection business payment records of all staff.
According to the bank collecting service processing method, the total amount of funds received in the collecting account corresponding to the collecting service is checked, and the fund safety of a bank service system in the process of collecting the service is improved.
In some embodiments, generating a payment record for the collection business for each employee based on the transfer record of the first funds and the transfer record of the second funds comprises:
under the condition that any transfer record of the first funds is failed in transfer, determining a target employee corresponding to the transfer record;
determining the enterprise subsidy amount of the target staff in the collection business;
and transferring third funds corresponding to the enterprise subsidy amount of the enterprise to the target staff in the collection business from the collection account to the public account of the enterprise.
Specifically, if any of the transfer records of the first funds is a transfer failure, the bank receipt service processing apparatus may determine a corresponding target employee according to the transfer record. The reasons for the failure of the transfer are many, possibly due to lack of payment authority or insufficient balance, etc. In this case, the bank deposit receipt service processing device needs to subtract the corporate subsidy amount corresponding to the target employee after the subsequent transfer of the second funds.
The bank collecting service processing device determines the enterprise subsidy amount of the enterprise for the target staff in the collecting service according to the working information of the target staff, and then transfers the third funds corresponding to the enterprise subsidy amount of the enterprise for the target staff in the collecting service from the collecting account to the public account of the enterprise, so that the return operation of the funds is realized, the wrong transfer deduction is avoided, and the actually-generated transfer of the first funds and the second funds can be correspondingly performed.
According to the bank collecting service processing method, the target staff can be determined under the condition that any transfer record of the first funds is the transfer failure, and the enterprise subsidy amount of the target staff is returned to the public account of the enterprise, so that the fund safety of a bank service system in the process of collecting service is improved.
In some embodiments, after determining that the processing result of the collecting service is successful based on the payment confirmation result of each employee, the method further includes:
receiving a service collecting inquiry request;
sending payment records of the collecting business of each employee, payment confirmation results of each employee and payment records of the enterprise subsidy amount of the enterprise;
the payment records of the collection business of each employee comprise the payment records of the personal accounts to be paid and the enterprise subsidy corresponding to each employee.
Specifically, the bank collecting service processing device can also provide a query function. The user can input the collecting service inquiry request through the front end connected with the collecting service processing device of the bank.
After receiving the service inquiry request, the bank service inquiry processing device can output inquiry results from the personal angle of staff, the enterprise angle and the service inquiry angle respectively.
The personal angle of the staff corresponds to the payment records of the payment service of each staff, the content details of the payment records of the payment service comprise the payment records of the personal accounts to be paid and the enterprise accounts to be paid, and the payment records are determined according to the transfer records of the first funds and the transfer records of the second funds.
The enterprise angle corresponds to the payment record of the enterprise subsidy amount of the enterprise, so that the user can know the cost actually paid by the enterprise.
The collection business angle corresponds to the payment confirmation results of all employees, so that the user can know the payment results to be confirmed by the provider of goods or services.
The method for processing the collection business of the bank, which is provided by the embodiment of the application, supports the user to inquire the collection business, shows the payment condition of the collection business through different angles, improves the convenience of the collection business processing of the bank business system, and improves the use experience of the user to the bank business system.
In some embodiments, prior to step 110, the method further comprises:
work information of each employee is generated based on the enterprise code, employee name, employee level, employee business age and employee identification information corresponding to each employee.
Specifically, the bank collection business processing device can also support maintenance of employee information of the enterprise. For example, after signing a contract by an enterprise, an employee database may be established in the bank collecting service processing device, for storing the work information of each employee of the enterprise. Corresponding records may be created in the employee database for each employee, the records representing the employee's work information. The fields of the record include the employee's corresponding business code, employee name, employee level, employee business and employee identification information, and the like.
According to the bank collecting service processing method, the work information of each employee is created, so that the employee information can be managed conveniently, and convenience of a bank service system in processing collecting service is improved.
The apparatus provided in the embodiments of the present application will be described below, and the apparatus described below and the method described above may be referred to correspondingly.
Fig. 2 is a schematic structural diagram of a banking collection service processing device provided in the present application, as shown in fig. 2, the device includes:
the determining module 210 is configured to determine, based on the work information of each employee, an individual payable amount of each employee in the collecting service and an enterprise payable amount of each employee to each employee in the collecting service by an enterprise to which each employee belongs;
a first generation receiving module 220, configured to transfer, from the personal accounts of each employee, a first funds corresponding to the amount to be paid by the person to a generation account corresponding to the generation service;
the summarizing module 230 is configured to summarize the subsidy amounts of the enterprises corresponding to each employee, and generate total subsidy amounts of the enterprises when the first funds of each employee are transferred to the collection account;
and the second collection module 240 is configured to transfer a second funds corresponding to the subsidized total amount from the public account of the enterprise to the collection account.
The bank collecting service processing device provided by the embodiment of the application determines the personal amount to be paid of each employee in the collecting service and the enterprise amount to be paid of each employee in the collecting service by each enterprise to which each employee belongs based on the work information of each employee; transferring first funds corresponding to the personal accounts to be paid to the corresponding collecting accounts of the collecting business from the personal accounts of all staff; under the condition that the first funds of all employees are transferred to the collection account, the subsidy amount of the enterprise corresponding to each employee is summarized, and the subsidy total of the enterprise is generated; transferring second funds corresponding to the subsidized total amount from the public account of the enterprise to the collection account; when the collection business of staff is processed, the enterprise subsidy amount is collected and then funds are transferred, so that the operation times of transferring funds from the public account of the enterprise are reduced, the processing efficiency of the banking system in processing the collection business is improved, the response speed of the banking system is also improved, and the use experience of a user on the banking system is improved.
In some embodiments, the determining module is to:
determining the job level and the job age of each employee based on the work information of each employee;
Determining a first subsidy proportion coefficient of each employee in the collecting business based on the job level of each employee;
determining a second subsidy proportion coefficient of each employee in the collection business based on the work age of each employee;
and determining the personal payable amount and the enterprise payable amount corresponding to each employee based on the first payable proportional coefficient and the second payable proportional coefficient of each employee and the payable total amount of each employee in the collection business.
In some embodiments, the apparatus further comprises:
the payment confirmation module is used for generating a payment record of the collection business of each employee based on the transfer record of the first funds and the transfer record of the second funds;
sending the collection business payment records of all employees to a business processing system corresponding to the collection business;
receiving payment confirmation results of all staff sent by a service processing system corresponding to the collection service;
and determining the processing result of the collection service to be successful based on the payment confirmation result of each employee.
In some embodiments, the payment confirmation module is further configured to:
determining the collection fee sum of the collection business based on the sum of the accounts to be paid of each employee in the collection business;
determining the actual total collection amount of the collection account corresponding to the collection service based on the amount of the first funds and the amount of the second funds received in the collection account corresponding to the collection service;
And under the condition that the actual collection total sum is equal to the collection fee total sum, generating collection business payment records of all staff.
In some embodiments, the payment confirmation module is further configured to:
under the condition that any transfer record of the first funds is failed in transfer, determining a target employee corresponding to the transfer record;
determining the enterprise subsidy amount of the target staff in the collection business;
and transferring third funds corresponding to the enterprise subsidy amount of the enterprise to the target staff in the collection business from the collection account to the public account of the enterprise.
In some embodiments, the apparatus further comprises:
the query module is used for receiving a service collection query request;
sending payment records of the collecting business of each employee, payment confirmation results of each employee and payment records of the enterprise subsidy amount of the enterprise;
the payment records of the collection business of each employee comprise the payment records of the personal accounts to be paid and the enterprise subsidy corresponding to each employee.
In some embodiments, the apparatus further comprises:
and the generation module is used for generating the working information of each employee based on the enterprise codes, the employee names, the employee levels, the employee ages and the employee identity identification information corresponding to each employee.
Fig. 3 is a second schematic structural diagram of a banking transaction processing device provided in the present application, as shown in fig. 3, the device includes:
the information maintenance module 310 is used for maintaining enterprise employee information, wherein the main information includes enterprise codes, employee numbers, employee names, employee levels, ages or ages, certificate types, certificate numbers, enterprise subsidy proportions and the like, and the module mainly completes the addition, deletion, modification and inquiry of the enterprise employee information.
And the online collection replacing module 320 is used for inquiring the enterprise subsidy proportion of the staff in the information maintenance module when the staff makes a purchase transaction, calculating the personal account payable amount of the staff for purchasing the commodity and the enterprise subsidy amount according to the enterprise subsidy proportion, and transferring the personal account of the staff to the collection enterprise account, wherein the transfer amount is the personal account payable amount of the staff. The module mainly has two functions of calculation and transfer: 1) And (3) calculating: calculating the personal payable amount and the enterprise subsidy amount; 2) Transferring: and (3) transferring the amount to be paid by the person. This module corresponds to the determination module and the first generation module in the above-described embodiments.
And the batch deduction module 330 is used for summarizing the enterprise subsidy amounts of all staff who have completed the payment of the personal amount of the accounts of the enterprise from the calculation and processing results of the online collection module to form an enterprise subsidy total, deducting the enterprise subsidy total from the public account of the enterprise at one time, and transferring to the collection enterprise account. The module mainly has two functions of sum and transfer: 1) Summarizing: summarizing the enterprise subsidy amounts of all staff who have finished paying the personal amount to be paid at present, wherein the summarizing result is the total sum of the enterprise subsidy; 2) Transferring: and (5) the enterprise subsidizes the transfer of the total amount. This module corresponds to the summary module and the second generation collection module in the above embodiments.
The result inquiry module 340 is configured to inquire, through the front end, a payment result of an amount to be paid by each employee of a certain enterprise and a payment result of an amount to be paid by the enterprise.
The bank collecting service processing device provided by the embodiment of the application does not carry out deduction and transfer of the enterprise subsidy amount when each employee is required to collect the online sum of the enterprise subsidy amount, and carries out calculation of the enterprise subsidy amount and summarization and transfer of the enterprise subsidy amount in two different modules: the online collection module is responsible for calculating the personal payable amount and the enterprise subsidy amount of each employee and paying the personal payable amount, and the batch deduction module is responsible for summarizing the enterprise subsidy amounts of all employees of the enterprise to form enterprise subsidy total and carrying out one-time deduction and transfer, so that the accounting processing efficiency and the system response speed are greatly improved.
Fig. 4 is a schematic structural diagram of an electronic device provided in the present application, and as shown in fig. 4, the electronic device may include: processor (Processor) 410, communication interface (Communications Interface) 420, memory (Memory) 430, and communication bus (Communications Bus) 440, wherein Processor 410, communication interface 420, and Memory 430 complete communication with each other via communication bus 440. The processor 410 may invoke logic commands in the memory 430 to perform the following method:
Based on the work information of each employee, determining the personal payable amount of each employee in the collecting business and the enterprise payable amount of each employee in the collecting business by the enterprise to which each employee belongs; transferring first funds corresponding to the personal accounts to be paid to the corresponding collecting accounts of the collecting business from the personal accounts of all staff; under the condition that the first funds of all employees are transferred to the collection account, the subsidy amount of the enterprise corresponding to each employee is summarized, and the subsidy total of the enterprise is generated; and transferring the second funds corresponding to the subsidized total amount from the public account of the enterprise to the collecting account.
In addition, the logic commands in the memory described above may be implemented in the form of software functional units and may be stored in a computer readable storage medium when sold or used as a stand alone product. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art or in a part of the technical solution, in the form of a software product stored in a storage medium, comprising several commands 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 methods described in the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a magnetic disk, or an optical disk, or other various media capable of storing program codes.
The processor in the electronic device provided by the embodiment of the present application may call the logic instruction in the memory to implement the above method, and the specific implementation manner of the processor is consistent with the implementation manner of the foregoing method, and may achieve the same beneficial effects, which are not described herein again.
The present application also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, is implemented to perform the methods provided by the above embodiments.
The specific embodiment is consistent with the foregoing method embodiment, and the same beneficial effects can be achieved, and will not be described herein.
Embodiments of the present application provide a computer program product comprising a computer program which, when executed by a processor, implements a method as described above.
The apparatus embodiments described above are merely illustrative, wherein the elements illustrated as separate elements may or may not be physically separate, and the elements shown as elements may or may not be physical elements, may be located in one place, or may be distributed over a plurality of network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present invention without undue burden.
From the above description of the embodiments, it will be apparent to those skilled in the art that the embodiments may be implemented by means of software plus necessary general hardware platforms, or of course may be implemented by means of hardware. Based on this understanding, the foregoing technical solution may be embodied essentially or in a part contributing to the prior art in the form of a software product, which may be stored in a computer readable storage medium, such as ROM/RAM, a magnetic disk, an optical disk, etc., including several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method described in the respective embodiments or some parts of the embodiments.
Finally, it should be noted that: the above embodiments are only for illustrating the technical solution of the present application, and are not limiting thereof; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the corresponding technical solutions.
Claims (10)
1. The bank collection business processing method is characterized by comprising the following steps:
based on the work information of each employee, determining the personal payable amount of each employee in the collecting business and the enterprise payable amount of each employee in the collecting business by the enterprise to which each employee belongs;
transferring first funds corresponding to the personal accounts to be paid to the collection accounts corresponding to the collection business from the personal accounts of all staff;
under the condition that the first funds of all employees are transferred to the collection account, collecting the subsidy amount of the enterprise corresponding to each employee, and generating the subsidy total of the enterprise;
and transferring the second funds corresponding to the subsidized total amount from the public account of the enterprise to the collection account.
2. The method for processing the collection business of claim 1, wherein determining the personal payable amount of each employee in the collection business and the enterprise subsidy amount of each employee in the collection business by the enterprise to which each employee belongs based on the work information of each employee comprises:
determining the job level and the job age of each employee based on the work information of each employee;
determining a first subsidy proportion coefficient of each employee in the collecting business based on the job level of each employee;
Determining a second subsidy proportion coefficient of each employee in the collection business based on the work age of each employee;
and determining the personal payable amount and the enterprise payable amount corresponding to each employee based on the first payable proportional coefficient and the second payable proportional coefficient of each employee and the payable total amount of each employee in the collection business.
3. The method of claim 1, wherein after transferring the second funds corresponding to the subsidized total from the public account of the corporation to the collection account, the method further comprises:
generating a collecting service payment record of each employee based on the transfer record of the first funds and the transfer record of the second funds;
sending the collection business payment records of all employees to a business processing system corresponding to the collection business;
receiving payment confirmation results of all staff sent by a service processing system corresponding to the collection service;
and determining that the processing result of the collection service is successful based on the payment confirmation result of each employee.
4. The method for processing a banking payment service according to claim 3, wherein the generating a payment service record of each employee based on the transfer record of the first funds and the transfer record of the second funds includes:
Determining the collection fee sum of the collection business based on the collection fee sum of each employee in the collection business;
determining an actual collection total of the collection account corresponding to the collection service based on the amount of the first funds and the amount of the second funds received in the collection account corresponding to the collection service;
and under the condition that the actual collection total sum is equal to the collection fee total sum, generating collection business payment records of all staff.
5. The method for processing a banking payment service according to claim 3, wherein the generating a payment service record of each employee based on the transfer record of the first funds and the transfer record of the second funds includes:
under the condition that any transfer record of the first funds is failed in transfer, determining a target employee corresponding to the transfer record;
determining the enterprise subsidy amount of the target staff in the collection business by the enterprise;
and transferring third funds corresponding to the enterprise subsidy amount of the target staff in the collection business from the collection account to the public account of the enterprise.
6. A method for processing a banking collection service according to claim 3, wherein after determining that the processing result of the collection service is successful based on the payment confirmation result of each employee, the method further comprises:
Receiving a service collecting inquiry request;
sending payment records of the collecting business of each employee, payment confirmation results of each employee and payment records of the enterprise subsidy amount of the enterprise;
the payment records of the collection business of each employee comprise the payment records of the personal accounts to be paid and the enterprise subsidy corresponding to each employee.
7. A method of processing a banking transaction according to any one of claims 1 to 6, wherein the method further comprises, based on the work information of each employee, determining an individual payable amount for each employee in the banking transaction and a corporate payable amount for each employee in the banking transaction by a corporation to which each employee belongs:
work information of each employee is generated based on the enterprise code, employee name, employee level, employee business age and employee identification information corresponding to each employee.
8. A banking collection service processing device, comprising:
the determining module is used for determining the personal payable amount of each employee in the collecting service and the enterprise subsidy amount of each employee in the collecting service of each enterprise to which each employee belongs based on the working information of each employee;
The first receiving module is used for transferring the first funds corresponding to the personal accounts to be paid to the receiving accounts corresponding to the receiving service from the personal accounts of all staff;
the summarizing module is used for summarizing the subsidy amount of the enterprise corresponding to each employee under the condition that the first funds of each employee are transferred to the collection account, so as to generate the subsidy total of the enterprise;
and the second generation receiving module is used for transferring the second funds corresponding to the subsidy total amount from the public account of the enterprise to the generation receiving account.
9. An electronic device comprising a memory and a processor, wherein the memory has stored therein a computer program, the processor being arranged to perform the banking transaction method of any of claims 1 to 7 by means of the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium comprises a stored program, wherein the program when run performs the bank deposit transaction processing method according to any one of claims 1 to 7.
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|---|---|---|---|
| CN202311119636.3A CN117350829A (en) | 2023-08-31 | 2023-08-31 | Bank collecting business processing method and device, electronic equipment and storage medium |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202311119636.3A CN117350829A (en) | 2023-08-31 | 2023-08-31 | Bank collecting business processing method and device, electronic equipment and storage medium |
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| CN202311119636.3A Pending CN117350829A (en) | 2023-08-31 | 2023-08-31 | Bank collecting business processing method and device, electronic equipment and storage medium |
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| CN (1) | CN117350829A (en) |
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