CN117372142A - Loan fund use management and control method, device, terminal equipment and storage medium - Google Patents
Loan fund use management and control method, device, terminal equipment and storage medium Download PDFInfo
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Abstract
The application discloses a loan fund use management and control method, a loan fund use management and control device, terminal equipment and a storage medium, and belongs to the technical field of financial science and technology. The method comprises the following steps: determining a personal special sub-family of a customer applying for a loan product; configuring bitmap marks on the jacket record codes corresponding to the loan products according to business scenes; and managing and controlling the individual special sub-family of the loan product of the client according to the bitmap mark type on the jacket code. The method reduces the risk and cost of loan fund use management and control, and simplifies the management and control mode.
Description
Technical Field
The invention relates to the field of financial science and technology, in particular to a loan fund use management and control method, a loan fund use management and control device, terminal equipment and a storage medium.
Background
With the development of society, various loan products appear on the market, and in order to prevent illegal use of personal loans, the purposes related to the loan issuing of commercial banks need to be controlled, but due to the fact that the loan products on the market are numerous and the customer transaction scenes are complex, the management and control of the use of the loan funds of the customers by banks is difficult.
At present, a loan fund monitoring method is adopted, which is to monitor and warn by analyzing the flow direction of a client transaction loan fund, and when a risk alarm is triggered, a borrower is informed to actively perform risk clarification or repayment in advance. However, the method needs to analyze a large amount of transactions, and is realized in a hardware mode, so that the realization cost is high, and the method is an existing management means after the transaction is completed by the client, and does not directly limit the transaction of the client when the transaction is carried out by the client.
Disclosure of Invention
The main purpose of the application is to provide a loan fund use management and control method, a device, terminal equipment and a storage medium, which aim to reduce the risk and cost of loan fund use management and control and simplify the management and control mode.
In order to achieve the above object, the present invention provides a loan fund use management and control method, comprising:
determining a personal special sub-family of a customer who has applied for loan products;
configuring bitmap marks on the jacket record codes corresponding to the loan products according to business scenes;
and managing and controlling the individual special sub-family of the loan product of the client according to the bitmap mark type on the jacket code.
Optionally, the step of determining the individual exclusive funds sub-users of the customer who has applied for the loan product comprises:
calling an accounting system to inquire the configuration type of the bitmap mark of the fund account of the client;
if the configuration type of the bitmap mark of the personal fund account of the client is the loan product application mark, determining that the client applies for a loan product, and acquiring a personal special sub-user of the loan product of the client.
Optionally, before the step of determining the individual exclusive sub-user of the customer applying the loan product, the method further comprises:
and responding to the request of the client for applying the loan product, calling an accounting system to configure the bitmap mark of the personal funds account of the client into the loan product applying mark, and issuing a default special sub-family and a personal special sub-family for the personal funds account of the client.
Optionally, the step of configuring the bitmap mark on the jacket record code corresponding to the loan product according to the business scenario includes:
if the business scene does not need to manage and control the loan products applied by the clients, configuring bitmap marks of the loan products into a bitmap Y on a registration code of the business scene;
If the business scene is used for managing and controlling loan products applied by clients, configuring bitmap marks of the loan products into a bitmap N on a registration code of the business scene;
if the business scene is used for controlling the loan product part applied by the client, the bitmap mark of the loan product is configured into a bitmap P on the nesting code of the business scene.
Optionally, before the step of configuring the bitmap mark on the jacket record code corresponding to the loan product according to the business scenario, the method further includes:
and configuring a plurality of loan products through bitmaps on the set codes, wherein the bitmaps on one set code are used for correspondingly controlling a private sub-family of the loan products of one client.
Optionally, the step of controlling the private sub-user of the loan product of the customer according to the bitmap mark type on the jacket code includes:
when a request of a customer for carrying out transaction by using the individual special funds sub-user is received, judging the bitmap mark type on the corresponding jacket record code of the individual special funds sub-user of the customer request transaction;
if the bitmap mark type on the jacket record code is the bitmap Y, using the balance of the individual special sub-family or the default special sub-family of the client to conduct transaction, wherein the priority of the individual special sub-family is higher than that of the default special sub-family;
If the bitmap mark type on the jacket record code is the bitmap N, using the balance of the default special sub-user of the client to conduct transaction;
and if the bitmap mark type on the jacket record code is the bitmap P, using the balance of the personal special sub-family or the default special sub-family of the client to conduct transaction, wherein the priority of the personal special sub-family is higher than that of the default special sub-family.
Optionally, the step of controlling the private sub-user of the loan product of the customer according to the bitmap mark type on the logging code further comprises:
judging whether a person-specific sub-family of the loan product of the client is to be managed and controlled in a business scene according to loan information and client abstract information of the loan product of the client under the business scene that the bitmap mark type on the bitten code of the loan product is bitmap P;
if yes, transmitting the loan information of the loan products of the clients and the client abstract information to an accounting system;
if not, transmitting the loan information of the loan products of the clients and the client abstract information to the accounting system.
Optionally, the step of controlling the private sub-user of the loan product of the customer according to the bitmap mark type on the logging code further comprises:
In the transaction process, if the account funds are insufficient or the loan funds are regulated, corresponding prompt information is sent to the client.
The embodiment of the application also provides a loan fund use management and control device, which comprises:
the determining module is used for determining the individual special sub-family of the client applying the loan product;
the configuration module is used for configuring bitmap marks on the jacket record codes corresponding to the loan products according to the business scene;
and the management and control module is used for managing and controlling the individual special sub-households of the loan products of the clients according to the bitmap mark type on the jacket code.
The embodiment of the application also provides a terminal device, which comprises: the system comprises a memory, a processor and a loan fund use management program stored on the memory and capable of running on the processor, wherein the loan fund use management program realizes the steps of the loan fund use management method when being executed by the processor.
The embodiment of the application also provides a computer readable storage medium, which is characterized in that the computer readable storage medium stores a loan fund use management and control program, and the loan fund use management and control program realizes the steps of the loan fund use management and control method when being executed by a processor.
The loan fund use management and control method, device, terminal equipment and storage medium provided by the embodiment of the application determine the individual special sub-family of the customer who has applied for the loan product; configuring bitmap marks on the jacket record codes corresponding to the loan products according to business scenes; and managing and controlling the individual special sub-family of the loan product of the client according to the bitmap mark type on the jacket code. According to the scheme, the business system and the bank bottom accounting system are combined by utilizing the set code in the accounting entry, and the loan funds of the customer are managed and controlled through the bitmap in the set code, for example, when the customer uses the loan funds to trigger illegal business scene transactions, the transaction is directly limited, and the transaction is returned to the customer for the reason that the customer cannot use the loan funds, and the loan funds are managed and controlled from the customer source. Better loan experience is provided for customers, the cost is reduced for the management and control of loan funds by banks, the operation flow is simplified, and more accurate and humanized management and control are realized.
Drawings
Fig. 1 is a schematic structural diagram of a loan fund use management and control device of a hardware running environment according to a first exemplary embodiment of the loan fund use management and control method of the present application;
FIG. 2 is a schematic overall system flow diagram of a first exemplary embodiment of the loan fund use management method of the present application;
FIG. 3 is a flow chart of a first exemplary embodiment of a loan fund use management method of the present application;
FIG. 4 is a schematic diagram of a customer account type distinguishing flow involved in a first exemplary embodiment of the loan fund use management and control method of the present application;
FIG. 5 is a schematic diagram of a bitmap configuration involved in a first exemplary embodiment of the loan fund use management method of the present application;
FIG. 6 is a schematic diagram of a control flow involved in a first exemplary embodiment of the loan fund use control method of the present application;
FIG. 7 is a flow chart of a second exemplary embodiment of a loan fund use management method of the present application;
fig. 8 is a flow chart of a third exemplary embodiment of the loan fund use management method of the present application.
The achievement of the objects, functional features and advantages of the present invention will be further described with reference to the accompanying drawings, in conjunction with the embodiments.
Detailed Description
It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
The main solution of the embodiment of the application is to determine the individual special funds sub-family of the customer applying for the loan product; configuring bitmap marks on the jacket record codes corresponding to the loan products according to business scenes; and managing and controlling the individual special sub-family of the loan product of the client according to the bitmap mark type on the jacket code. According to the scheme, the business system and the bank bottom accounting system are combined by utilizing the set code in the accounting entry, the loan funds of the customer are managed and controlled through the bitmap in the set code, when the customer uses the loan funds to trigger illegal business scene transactions, the transaction is directly limited, and the transaction is returned to the reason that the customer cannot use the loan funds, and the loan funds are managed and controlled from the customer source. The method provides better loan experience for clients, reduces cost for controlling loan funds, simplifies operation flow, and realizes more accurate and humanized control.
Technical terms referred to in the embodiments of the present application:
rule calculation SDK is a software development kit (Software Development Kit) for helping developers to realize rule calculation functions in own application programs. Rule calculation refers to the process of calculating, judging and processing data according to certain rules and conditions. Rule calculation SDKs provide a series of functions, classes, and interfaces that developers can use to define and execute various rules and apply the rules to their own applications. Through rule calculation SDK, developer can realize various complicated rule calculation logics rapidly and flexibly, and the intelligent and automatic degree of application program is improved.
In consideration of the embodiment of the application, the loan fund monitoring method of the related technical scheme needs to analyze a large number of transactions, the management and control flow is complex, the implementation cost is high by adopting a hardware mode, and further, the method is a management and control means adopted after the transaction is completed by a client, the transaction of the client is not limited directly during the transaction of the client, and risks are easily caused in the management and control of the loan fund of the client.
Based on this, the embodiment of the application provides a solution, adopts the mode that business system and bottom accounting system combined together, utilizes the cover record code in the accounting entry, manages and controls customer loan fund through the bitmap mark in the cover record code, and this scheme has simplified the flow of managing and controlling, can manage and control loan fund from customer's source, has reduced the risk of managing and controlling, and this scheme adopts the realization mode of software, and the cost of realization is lower.
Specifically, referring to fig. 1, fig. 1 is a schematic diagram of functional modules of a terminal device to which a loan fund use management and control device of the present application belongs. The loan fund use management and control device can be a device which is independent of the terminal equipment and can perform data processing, and is carried on the terminal equipment in the form of software. The terminal device may be a terminal device capable of implementing a software program, such as a computer, a smart phone, a tablet pc, an ATM terminal, etc., and the embodiment uses a computer as an example.
In this embodiment, the terminal device of the loan fund usage management device at least includes an input module 110, a processor 120, a memory 130, and an output module 140.
The memory 130 stores a loan fund use management and control program, and the loan fund use management and control device can store client information of a loan application product and bitmap mark type information on a registration code in the memory 130; the input module 110 may be loan application information, fund usage plan, fund flow information, etc., and may transmit related information to an accounting system, a business system, etc. through an external data interface. The output module can be report form and statistical data, early warning and reminding information and the like of the loan fund use management and control system, and can synchronize the use condition of the loan fund into the business system and the accounting system by being in butt joint with the business system and the accounting system.
Wherein the loan funding use management program in the memory 130, when executed by the processor, performs the steps of:
determining a personal special sub-family of a customer who has applied for loan products;
configuring bitmap marks on the jacket record codes corresponding to the loan products according to business scenes;
and managing and controlling the individual special sub-family of the loan product of the client according to the bitmap mark type on the jacket code.
Further, the loan funding use management program in the memory 130, when executed by the processor, further performs the steps of:
calling an accounting system to inquire the configuration type of the bitmap mark of the fund account of the client;
if the configuration type of the bitmap mark of the fund account of the client is a loan product application mark, determining that the client has applied for a loan product, and acquiring loan information and client abstract information of the loan product of the client, wherein the loan information of the loan product comprises: and the person who loans the product is dedicated to the child account.
Further, the loan funding use management program in the memory 130, when executed by the processor, further performs the steps of:
and responding to the request of the client for applying the loan product, calling an accounting system to configure the bitmap mark of the personal funds account of the client into the loan product applying mark, and issuing a default special sub-family and a personal special sub-family for the personal funds account of the client.
Further, the loan funding use management program in the memory 130, when executed by the processor, further performs the steps of:
if the business scene does not need to manage and control the loan products applied by the clients, configuring bitmap marks of the loan products into a bitmap Y on a registration code of the business scene;
if the business scene is used for managing and controlling loan products applied by clients, configuring bitmap marks of the loan products into a bitmap N on a registration code of the business scene;
if the business scene is used for controlling the loan product part applied by the client, the bitmap mark of the loan product is configured into a bitmap P on the nesting code of the business scene.
Further, the loan funding use management program in the memory 130, when executed by the processor, further performs the steps of:
and configuring a plurality of loan products through bitmaps on the set codes, wherein the bitmaps on one set code are used for correspondingly controlling a private sub-family of the loan products of one client.
Further, the loan funding use management program in the memory 130, when executed by the processor, further performs the steps of:
When a request of a customer for carrying out transaction by using the individual special funds sub-user is received, judging the bitmap mark type on the corresponding jacket record code of the individual special funds sub-user of the customer request transaction;
if the bitmap mark type on the jacket record code is the bitmap Y, using the balance of the individual special sub-family or the default special sub-family of the client to conduct transaction, wherein the priority of the individual special sub-family is higher than that of the default special sub-family;
if the bitmap mark type on the jacket record code is the bitmap N, using the balance of the default special sub-user of the client to conduct transaction;
and if the bitmap mark type on the jacket record code is the bitmap P, using the balance of the personal special sub-family or the default special sub-family of the client to conduct transaction, wherein the priority of the personal special sub-family is higher than that of the default special sub-family.
Further, the loan funding use management program in the memory 130, when executed by the processor, further performs the steps of:
judging whether a person-specific sub-family of the loan product of the client is to be managed and controlled in a business scene according to loan information and client abstract information of the loan product of the client under the business scene that the bitmap mark type on the bitten code of the loan product is bitmap P;
If yes, transmitting the loan information of the loan products of the clients and the client abstract information to an accounting system;
if not, transmitting the loan information of the loan products of the clients and the client abstract information to the accounting system.
Further, the loan funding use management program in the memory 130, when executed by the processor, further performs the steps of:
in the transaction process, if the account funds are insufficient or the loan funds are regulated, corresponding prompt information is sent to the client.
Through the scheme, the embodiment particularly determines the individual special sub-family of the customer who has applied for the loan product; according to the business scene, configuring a bitmap on a jacket record code corresponding to the loan product; and managing and controlling the individual special sub-family of the loan product of the client according to the bitmap mark type on the jacket code. The scheme combines the characteristics of a business system and a loan accounting method for the first time, utilizes the set record code in the accounting entry, adopts a mode of combining the business system and a bottom bank accounting system, and controls the loan funds of the customer through the bitmap in the set record code.
Specifically, the flow of the loan fund use management and control system of the present embodiment is shown in fig. 2, and taking a banking system as an example, the system may include: business system and accounting system, wherein, business system includes: the system comprises a loan product application module, a transaction accounting SDK module and a rule calculation SDK module; the accounting system includes: and the personal special funds sub-account opening module and the client transaction accounting module. The specific principle is as follows:
and the client submits the loan product application through a loan product application module of the business system. After receiving the loan product application, the business system performs a series of verification and approval processes, including customer identity verification, credit evaluation, loan amount calculation, and the like. If the loan product application passes the approval, the business system transmits the loan product application information to a private sub-account opening module of the accounting system.
The rule calculation SDK module performs corresponding calculation according to the input parameters and rule definition, and returns the calculation result to the transaction billing SDK module.
When a customer performs transaction operation in the service system, the service system can call the transaction accounting SDK module and transfer transaction information to the customer transaction accounting module of the accounting system.
After receiving the transaction information, the customer transaction accounting module of the accounting system verifies and processes the transaction, including updating account balance, generating transaction records and the like.
The customer transaction accounting module returns the transaction results to the business system to inform the customer of the success or failure of the transaction.
The method embodiments of the present application are presented based on the above-described terminal device architecture, but not limited to the above-described architecture.
Referring to fig. 3, fig. 3 is a flow chart of a first exemplary embodiment of the loan fund use management method of the present application. The loan fund use management and control method comprises the following steps:
step S100, determining a personal special sub-family of a customer who has applied for loan products;
the loan products mentioned in the method of this embodiment may include: personal consumer loans, house loans, vehicle loans, educational loans, agricultural loans, business loans, small and micro-business loans, credit loans, and the like.
In order to achieve the management and supervision of loan funds use, it is ensured that loan funds are used for legal, compliance and reasonable use, while also contributing to risk control and meeting regulatory requirements. The embodiment is performed in a banking scene, firstly, when a customer applies for a loan product at a bank, a bottom accounting system of the bank divides a fund account of the customer, and a bitmap mark is configured on a personal fund account of the customer by using a jacket code in an accounting entry by adopting the characteristic of loan accounting so as to distinguish whether the customer applies for the loan product.
As shown in fig. 4, the banking system of the bank invokes the banking system to divide the customers into customers without loan products and customers with loan products, and when the customers apply for loan products, the banking system of the bank configures the bitmap Y to the personal funds account of the customers applying for loan products according to the loan information and the loan requirements of the customers, and opens default exclusive sub-households and personal exclusive sub-households for the customers applying for loan products.
Then, in response to a request from a customer to apply for a loan product, the business system of the bank invokes the accounting system to query whether the personal funds account of the customer has the bitmap mark Y, if so, the customer is determined to be the person who applies for the loan product, and the person who is under the loan product of the customer is acquired.
Wherein, a customer can apply for a plurality of loan products, and each loan product can correspond to an individual loan fund account, and individual special sub-households are distinguished by the loan product types.
By the method, the special individual sub-households who apply for loan products can be determined to improve the management and control efficiency of loan funds, strengthen risk control and improve convenient loan service for customers; the client can clearly know the loan condition of the client, and timely provide relevant information and service for the client, so that the trust feeling of the client to the organization is enhanced.
Step S101, according to the business scene, configuring the bitmap mark on the corresponding sleeve code of the loan product.
In the embodiment of the present application, the service scenario refers to a specific service scenario or application scenario, and also refers to a scenario when a client performs a transaction.
When a client performs business transaction and needs to apply for loan products, the business system utilizes the characteristic on loan accounting, and the bitmap mark on the bitmapped code is used for configuring the corresponding bitmap mark type on the loan products applied by the client, so that the business system can manage and control the individual loan fund account of each loan product of the client.
As shown in fig. 5, when the customer's applied personal loan funds account for the loan product is not necessarily fully managed in the context of the current business transaction, the business system will invoke the registration code to configure the bitmap flag Y for the personal loan funds account for the loan product. When a client transacts in a current scene, a business system can not control the funds of a personal loan funds account of a loan product according to the bitmap type on the personal loan funds account of the loan product applied by the client in the current scene;
when the loan fund account of the loan product applied by the client is required to be completely controlled under the current business transaction situation, the business system can call the registration code to configure the bitmap mark N for the loan fund account of the loan product. When a client transacts in a current scene, a business system can completely control funds of a personal loan funds account of a loan product according to a bitmap type on the personal loan funds account of the loan product applied by the client in the current scene;
When the loan fund account of the loan product applied by the client is required to be managed and controlled under the situation of part of business transaction and is not required to be managed and controlled under the situation of part of business, the business system can call the registration code to configure the bitmap mark P for the loan fund account of the loan product. When a client transacts in a current scene, the business system can call relevant loan information of the client, and judges whether funds of a personal loan funds account of a loan product are required to be managed and controlled according to the bitmap type on the personal loan funds account of the loan product applied by the client.
By the method, the management efficiency and accuracy of the business system can be improved, and the loan product can be risk-controlled by configuring the bitmap mark on the individual loan fund account of the loan product, so that an organization is helped to manage and control the loan business better.
And step S102, controlling the individual special sub-users of the loan products of the clients according to the bitmap mark type on the jacket code.
When a customer performs business transaction, the business system can call the characteristic of the accounting method of the accounting system to carry out accounting, and then the accounting system can manage and control the funds of the personal loan funds account of the customer according to the customer account and the bitmap mark of the logging code on the loan product of the customer.
The flow of controlling funds of the personal loan funds account of the customer according to this embodiment may be as shown in fig. 6:
firstly, the business system carries out different configurations on bitmap marks on a jacket code according to the type of a loan product applied by a customer, and transmits the loan product configured with the bitmap marks to the accounting system, the accounting system judges the type of the bitmap marks on a fund account of the customer applying for the loan product, and if the bitmap mark type is Y, the customer is indicated to apply for the loan product, funds in the fund account configured with the bitmap mark Y applied by the loan product are directly used for transaction;
then, the accounting system performs different management and control modes for the personal loan fund account of the loan product applied by the client according to the bitmap mark type on the loan product transmitted by the business system:
if the bitmap mark on the corresponding registration code of the loan product is configured as bitmap Y, when the customer performs a business transaction scene, the accounting system can preferentially use the funds of the private sub-family of the customer to perform the transaction, and when the funds in the private loan funds account of the customer are insufficient, the funds of the default private sub-family of the customer can be used for performing the transaction, and if the customer applies for a plurality of loan products, the account funds of the loan products can be sequentially used according to the type sequence of the loan products. When the funds of the personal loan funds account and the default special funds sub-family are insufficient, the accounting system sends prompt information to the client to prompt the client that the funds of the funds account of the loan product applied by the client are used illegally in the business transaction scene;
If the bitmap mark on the corresponding jacket code of the loan product is configured as a bitmap N, when a client performs a business transaction scene, the accounting system does not use the funds of the private sub-family of the client to perform the transaction, but directly uses the funds of the default private sub-family of the client to perform the transaction, if the funds of the default private sub-family of the client are insufficient, the accounting system can send prompt information to the client to prompt that the funds of the funds account of the loan product applied by the client are insufficient, and the private sub-family of the loan product is not applicable to the business transaction scene and fails to perform the transaction in the business transaction scene;
if the bitmap mark on the corresponding registration code of the loan product is configured as bitmap P, the accounting system can preferentially use the funds of the private sub-family of the loan product which is transmitted according to the loan product transmitted by the business system, and then, the funds of the default private sub-family of the loan product which is applied by the client are used for carrying out the transaction, if the funds of the private loan funds account of the loan product and the funds of the default private sub-family are insufficient, the accounting system can send prompt information to the client to prompt that the funds of the funds account of the loan product which is applied by the client are insufficient, the private sub-family of the loan product cannot be suitable for the business transaction scene, and the transaction fails in the business transaction scene.
Through the method and the system, when the clients conduct business scene transaction, the funds of the fund account of each loan product of the clients can be accurately controlled, and prompt information can be directly sent to the clients for some illegal use scenes, so that the service of applying for loans of the clients is optimized, and the clients have more friendly loan experience.
By the embodiment scheme, the characteristics of the business system and the loan accounting method are combined, the jacket code in the accounting entry is utilized, and the funds of the individual special sub-households of the clients are managed and controlled by the bitmap in the jacket code in a mode of combining the business system and the accounting system. When the customer uses the funds of the private sub-family of the loan product to trigger the transaction of the illegal service scene, the accounting system can directly limit the transaction and returns the transaction to the customer to explain the reason why the funds in the private sub-family of the loan product cannot be used, so that the funds in the private sub-family of the loan product can be controlled from the source of the customer, the control can be more accurate, the mode is more direct and simple, and the control cost is reduced.
Referring to fig. 7, fig. 7 is a flow chart of a second exemplary embodiment of the loan fund use management method of the present application. Based on the embodiment shown in fig. 3, in this embodiment, before the step of determining the individual exclusive sub-family of the customer who has applied for the loan product in the step S100, the method further includes:
And responding to a request of a client for applying a loan product, calling an accounting system to configure a bitmap mark of a fund account of the client into a loan product application mark, and opening a default special sub-family and a personal special sub-family for the client.
Specifically, when a customer applies for a loan product to a bank, a business system of the bank receives a request for applying for the loan product from the customer, then invokes an accounting system, and the accounting system configures a bitmap mark of a fund account of the customer as a loan product applying mark according to the request for applying for the loan product from the customer, and establishes a default special sub-family and a personal special sub-family for the customer.
After the default special funds sub-family and the individual special funds sub-family are opened, the accounting system returns the related information to the business system, and the business system confirms that the loan product application is successful to the customer according to the returned information and provides the corresponding individual special funds sub-family information.
By the method, the processing efficiency of loan application can be improved, the loan experience of clients is improved, and the consistency and accuracy of data are ensured, so that better business operation and client service are brought.
Referring to fig. 8, fig. 8 is a flow chart of a third exemplary embodiment of a loan fund use management method of the present application. Based on the embodiment shown in fig. 3, in this embodiment, in step S102, the step of controlling the private sub-user of the loan product of the customer according to the bitmap flag type on the jacket code further includes:
Judging whether a person-specific sub-family of the loan product of the client is to be managed and controlled in a business scene according to loan information and client abstract information of the loan product of the client under the business scene that the bitmap mark type on the bitten code of the loan product is bitmap P;
if yes, the type of the loan product of the client is not transmitted to an accounting system;
if not, the type of the loan product of the customer is transmitted to the accounting system.
Compared to the embodiment shown in fig. 3, this embodiment further includes, for a loan product configured with the bitmap flag P of the jacket code, performing different management and control on the loan product in the business transaction scenario of the customer.
Specifically, in this embodiment, as an implementation method, for a scenario in which the bitmap flag P is configured on the loan product applied by the customer, the business system may further analyze the specific transaction scenario of the customer. When a client is transacting, the business system can acquire loan information and client abstract information of the client in a current business transaction scene, wherein the loan information and the client abstract information of the client comprise: information such as personal identity information, contact information, financial status, employment information, credit records and the like of the client; and calculating the SDK through rules, and judging whether to manage and control the loan products of the client in the current transaction scene according to the calculation result.
If the calculation result shows that the individual special sub-family of the loan product does not need to be managed and controlled, the business system sends the type of the loan product of the client to the accounting system, which means that the business transaction scene can use funds of the individual special sub-family under the loan product to conduct transaction, and if the individual special sub-family of the plurality of loan products does not need to be managed and controlled, the business system sends the types of the plurality of loan products to the accounting system.
If the calculation result shows that the individual exclusive sub-family of the loan product needs to be managed and controlled, the business system does not send the type of the loan product to the accounting system.
According to the scheme, in a business scene with the bitmap P configured on the loan product, analysis is carried out according to the loan information of the customer and the customer abstract information, and whether a person-specific sub-family of the loan product of the customer is to be managed and controlled in the business scene is judged; if yes, the type of the loan product of the client is not transmitted to an accounting system; if not, the type of the loan product of the customer is transmitted to the accounting system. The scheme can further analyze the concrete scene of the loan product configured with the bitmap P on the client during the transaction, is favorable for controlling the funds of the private sub-user of the client using the loan product under different situations, reduces the risk of controlling, acquires the information of the client through data interaction with related institutions and databases, and can be used for evaluating the credit condition, repayment capability and risk level of the client, thereby determining whether to approve the loan application of the client, and ensuring the information security and confidentiality of the client.
The following describes the embodiment in detail with reference to specific scenarios:
for example, when a customer applies for a house loan to a bank, a business system of the bank configures a Y-bitmap mark for the type of the loan product applied by the customer by analyzing factors such as financial conditions, credit evaluation and house valuation of the customer, so as to distinguish that the customer is the customer applying for the loan product, and the type of the loan product is the house loan product, and a default special sub-household and a personal special sub-household are set for the customer applying for the house loan product.
Further, the business system of the bank configures bitmap marks of different jacket codes for the fund account of the house loan product applied by the customer according to the purpose of the customer loan and the requirement of the customer. When the customer is transacting using account funds for the house loan product, the bank's accounting system will determine the bitmap flag type of the logging code on the customer's funds account.
If the bitmap mark of the set code configured on the house loan product is Y, the accounting system of the bank can preferentially select the funds of the private sub-family of the house loan product of the customer to pay or release loan funds to the house developer or the customer himself, and if the funds in the private sub-family of the customer are insufficient, the accounting system of the bank can pay or release the funds in the house developer or the customer himself by using the funds in the default private sub-family of the customer;
If the bitmap mark of the set code configured on the house loan product is N, the accounting system of the bank does not use the funds of the private sub-family of the customer, but directly uses the funds of the default private sub-family to pay or release loan funds to the house developer or the customer himself, and if the funds in the default private sub-family of the customer are insufficient, the accounting system of the bank can send prompt information to the customer to prompt that the funds of the customer using the house loan product in the current scene are illegal and not applicable to carrying out the transaction behavior of the house funds;
if the bitmap mark of the set code configured on the house loan product is P, the business system of the bank can further analyze the house transaction scene of the customer.
The bank business system analyzes whether to manage and control the individual special sub-family of the house loan product of the customer in the house loan fund transaction scene according to the loan related information of the customer in the house by calculating SDK (software description language) in a rule manner;
if the calculation result shows that management and control are needed, the business system of the bank does not send the house loan product to the accounting system.
If the calculation result shows that management and control are not needed, the business system sends the house loan product to the accounting system, the transaction scene can use funds of a private sub-family of the house loan product, the funds of the private sub-family of the house loan product transmitted by the business system can be preferentially selected, then the funds of a default private sub-family of the house loan product of the customer are used, payment or loan funds are issued to a house developer or the customer, if the funds of the default private sub-family of the customer are insufficient, the accounting system can send prompt information to the customer, and prompt that the funds of the house loan product used by the customer in the current scene are illegal and are not applicable to the transaction behavior of house funds.
By the method, loan funds can be managed and controlled for the clients applying for the house loan products, different bitmap marks are configured for the house loan products, and when the clients conduct transactions, the accounting system manages and controls the funds when the house loan funds are used in the current scene by judging the bitmap mark types of the registration codes on the house loan products, so that the risk of funds transaction in the house loan is reduced, reasonable repayment pressure can be ensured to be borne by the clients, excessive liabilities are avoided, and the benefits of the clients are protected.
In addition, the embodiment of the application also provides a loan fund use management and control device, which is characterized in that the loan fund use management and control device comprises:
the determining module is used for determining the individual special sub-family of the client applying the loan product;
the configuration module is used for configuring bitmap marks on the jacket record codes corresponding to the loan products according to the business scene;
and the management and control module is used for managing and controlling the individual special sub-households of the loan products of the clients according to the bitmap mark type on the jacket code.
The principle and implementation process of the present embodiment for implementing loan fund usage management are referred to the above embodiments, and are not described in detail herein.
In addition, the embodiment of the application also provides loan fund use management and control equipment, which is characterized in that the equipment comprises: the system comprises a memory, a processor and a loan fund use management program stored on the memory and capable of running on the processor, wherein the loan fund use management program realizes the steps of the loan fund use management method when being executed by the processor.
Because the loan fund use management and control program is executed by the processor, all the technical schemes of all the embodiments are adopted, and therefore, the loan fund use management and control program at least has all the beneficial effects brought by all the technical schemes of all the embodiments, and the details are not repeated here.
In addition, the embodiment of the application also provides a computer readable storage medium, wherein the computer readable storage medium stores a loan fund use management and control program, and the loan fund use management and control program realizes the steps of the loan fund use management and control method when being executed by a processor.
Because the loan fund use management and control program is executed by the processor, all the technical schemes of all the embodiments are adopted, at least all the beneficial effects brought by all the technical schemes of all the embodiments are provided, and the details are not repeated here.
Compared with the prior art, the loan fund use management and control method, the device, the terminal equipment and the storage medium provided by the embodiment of the application are realized by determining the private sub-family of the client who applies for the loan product; configuring bitmap marks on the jacket record codes corresponding to the loan products according to business scenes; and managing and controlling the individual special sub-family of the loan product of the client according to the bitmap mark type on the jacket code. According to the scheme, the business system and the bank bottom accounting system are combined by utilizing the set code in the accounting entry, the loan funds of the customer are managed and controlled through the bitmap in the set code, when the customer uses the loan funds to trigger illegal business scene transactions, the transaction is directly limited, and the transaction is returned to the reason that the customer cannot use the loan funds, and the loan funds are managed and controlled from the customer source. Better loan experience is provided for customers, risks and cost are reduced for management and control of loan funds by banks, operation flow is simplified, and more accurate and humanized management and control are realized.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
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.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) as described above, comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the method according to the embodiments of the present invention.
The foregoing description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the invention, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.
Claims (11)
1. The loan fund use management and control method is characterized by comprising the following steps of:
determining a personal special sub-family of a customer who has applied for loan products;
configuring bitmap marks on the jacket record codes corresponding to the loan products according to business scenes;
and managing and controlling the individual special sub-family of the loan product of the client according to the bitmap mark type on the jacket code.
2. The loan fund use management method of claim 1, wherein said step of determining the individual sub-home of the customer who has applied for the loan product comprises:
invoking an accounting system to inquire the configuration type of the bitmap mark of the personal funds account of the customer;
if the configuration type of the bitmap mark of the fund account of the client is a loan product application mark, determining that the client has applied for a loan product, and acquiring loan information and client abstract information of the loan product of the client, wherein the loan information of the loan product comprises: and the person who loans the product is dedicated to the child account.
3. The loan fund use management method of claim 2, wherein prior to said step of determining the individual exclusive sub-home of the customer who has applied for the loan product, further comprises:
and responding to the request of the client for applying the loan product, calling an accounting system to configure the bitmap mark of the personal funds account of the client into the loan product applying mark, and issuing a default special sub-family and a personal special sub-family for the personal funds account of the client.
4. The loan fund use management and control method as set forth in claim 1, wherein said step of configuring a bitmap flag on a bitch code corresponding to said loan product according to a business scenario comprises:
if the business scene does not need to manage and control the loan products applied by the clients, configuring bitmap marks of the loan products into a bitmap Y on a registration code of the business scene;
if the business scene is used for managing and controlling loan products applied by clients, configuring bitmap marks of the loan products into a bitmap N on a registration code of the business scene;
if the business scene is used for controlling the loan product part applied by the client, the bitmap mark of the loan product is configured into a bitmap P on the nesting code of the business scene.
5. The loan fund use management and control method of claim 4, wherein the step of configuring the bitmap flag on the corresponding bitch code of the loan product according to the business scenario further comprises:
and configuring a plurality of loan products through bitmaps on the set codes, wherein the bitmaps on one set code are used for correspondingly controlling a private sub-family of the loan products of one client.
6. The loan fund use management method of claim 4, wherein said step of managing individual sub-households of said customer's loan products according to bitmap flag types on said bibliographic code comprises:
when a request of a customer for carrying out transaction by using the individual special funds sub-user is received, judging the bitmap mark type on the corresponding jacket record code of the individual special funds sub-user of the customer request transaction;
if the bitmap mark type on the jacket record code is the bitmap Y, using the balance of the individual special sub-family or the default special sub-family of the client to conduct transaction, wherein the priority of the individual special sub-family is higher than that of the default special sub-family;
if the bitmap mark type on the jacket record code is the bitmap N, using the balance of the default special sub-user of the client to conduct transaction;
And if the bitmap mark type on the jacket record code is the bitmap P, using the balance of the personal special sub-family or the default special sub-family of the client to conduct transaction, wherein the priority of the personal special sub-family is higher than that of the default special sub-family.
7. The loan fund use management method of claim 6, wherein said step of managing individual sub-households of said customer's loan products according to bitmap flag types on said bibliographic code further comprises:
judging whether a person-specific sub-family of the loan product of the client is to be managed and controlled in a business scene according to loan information and client abstract information of the loan product of the client under the business scene that the bitmap mark type on the bitten code of the loan product is bitmap P;
if yes, transmitting the loan information of the loan products of the clients and the client abstract information to an accounting system;
if not, transmitting the loan information of the loan products of the clients and the client abstract information to the accounting system.
8. The loan fund use management method of claim 6, wherein said step of managing individual sub-households of said customer's loan products according to bitmap flag types on said bibliographic code further comprises:
In the transaction process, if the account funds are insufficient or the loan funds are regulated, corresponding prompt information is sent to the client.
9. A loan fund use management and control device, characterized in that the loan fund use management and control device comprises:
the determining module is used for determining the individual special sub-family of the client applying the loan product;
the configuration module is used for configuring bitmap marks on the jacket record codes corresponding to the loan products according to the business scene;
and the management and control module is used for managing and controlling the individual special sub-households of the loan products of the clients according to the bitmap mark type on the jacket code.
10. A loan fund use management and control apparatus, the apparatus comprising: a memory, a processor and a loan fund use management program stored on the memory and executable on the processor, which when executed by the processor, implements the steps of the loan fund use management method of any one of claims 1 to 8.
11. A computer readable storage medium, characterized in that the computer readable storage medium has stored thereon a loan fund usage management program, which when executed by a processor, implements the steps of the loan fund usage management method as claimed in any one of claims 1 to 8.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN118261691A (en) * | 2024-03-15 | 2024-06-28 | 人保支付科技(重庆)有限公司 | Money consumption processing method and related equipment |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN118261691A (en) * | 2024-03-15 | 2024-06-28 | 人保支付科技(重庆)有限公司 | Money consumption processing method and related equipment |
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