WO2019109558A1 - 产品清算的方法、装置、存储介质及终端 - Google Patents

产品清算的方法、装置、存储介质及终端 Download PDF

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Publication number
WO2019109558A1
WO2019109558A1 PCT/CN2018/081513 CN2018081513W WO2019109558A1 WO 2019109558 A1 WO2019109558 A1 WO 2019109558A1 CN 2018081513 W CN2018081513 W CN 2018081513W WO 2019109558 A1 WO2019109558 A1 WO 2019109558A1
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WIPO (PCT)
Prior art keywords
custodian
account
instruction information
terminal
payment
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Application number
PCT/CN2018/081513
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English (en)
French (fr)
Inventor
赵春凯
Original Assignee
平安科技（深圳）有限公司
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Publication date
Application filed by 平安科技（深圳）有限公司 filed Critical 平安科技（深圳）有限公司
Priority to JP2019555157A priority Critical patent/JP6855594B2/ja
Publication of WO2019109558A1 publication Critical patent/WO2019109558A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting

Definitions

  • the present application relates to the field of information technology, and in particular, to a method, an apparatus, a storage medium, and a terminal for product clearing.
  • B-to-B business-to-business
  • B-to-P business-to-individual
  • P-to-P personal-to-individual
  • P businesses use cash, credit cards, prepaid cards, and mobile phone clearing methods.
  • P to P business can not use the clearing method using credit card, prepaid or portable phone, only the cash clearing method can be used, so that the merchant or seller notifies the buyer account and the buyer deposits the money into the account to complete the liquidation.
  • the present application proposes a method, a device, a storage medium and a terminal for product clearing to realize an online product clearing method and improve the automation degree and efficiency of product clearing.
  • a method of product clearing comprising:
  • the method further includes:
  • the custodian payment instruction information is sent to the post-mortem management terminal, and the review operation of the custodian household payment instruction information is performed.
  • the custodian payment instruction information includes at least one of the following information:
  • the method further includes:
  • the production message of the deposit balance indication information of the escrow account is sent to the fund accounting terminal, and the custodian information returned by the fund accounting terminal according to the production message is obtained;
  • the account vouchers are obtained, and the account cancellation and clearing operations are performed according to the account vouchers.
  • the method further includes:
  • the production message of the credit balance transfer instruction information is sent to the service terminal, and the credit information returned by the service terminal according to the production message is obtained;
  • the method further includes:
  • the custodian balance is transferred to the balance affiliation.
  • an apparatus for product clearing comprising:
  • a clearing start module configured to send a list of products to be cleared to the service terminal, and obtain a payment notice of the product to be cleared returned by the service terminal according to the product list;
  • a clearing confirmation module configured to send the payment notification to the post-investment management terminal, and complete a confirmation operation of whether the product to be cleared is normally cleared according to the payment notification;
  • a first production instruction module configured to: when obtaining the confirmation instruction that the to-be-cleared product sent by the post-investment management terminal is a normal clearing, send the custodian household payment instruction information to the fund accounting terminal according to the confirmation instruction Message
  • an exporting module configured to obtain clearing data returned by the fund accounting terminal according to the production message, and batch export the custodian household payment instruction information according to the clearing data, and send the custodian household payment instruction information to the fund accounting
  • the terminal performs a submit operation
  • a first clearing module configured to: when the submission instruction of the escrow account payment instruction information sent by the fund accounting terminal is obtained, submit the custodian payment instruction information to the escrow bank to complete the payment, and obtain the The product liquidation report sent by the fund accounting terminal.
  • the device further includes:
  • a receiving module configured to receive a customer account application sent by the service terminal
  • An obtaining module configured to send the account cancellation application to an account group terminal, and obtain a credit balance of the account group returned by the account group terminal according to the account cancellation application;
  • a second production instruction module configured to send a production message of the escrow account balance instruction information to the fund accounting terminal if the balance of the credit account is 0, and obtain the escrow returned by the fund accounting terminal according to the production message Household information;
  • the second clearing module is configured to: if the custodian balance in the custodian information is 0, obtain the account vouchers, and perform the account closing and clearing operations according to the account vouchers.
  • one or more non-volatile readable storage media having stored thereon, the computer readable instructions being executed by one or more processors such that the one or more processes Perform the following steps:
  • a terminal comprising a memory, a processor, and computer readable instructions stored on the memory and executable on the processor, the processor executing the computer readable instructions step:
  • FIG. 1 is a first implementation flowchart of a method for product clearing provided by an embodiment of the present application
  • FIG. 2 is a second implementation flowchart of a method for product clearing provided by an embodiment of the present application
  • FIG. 3 is a third implementation flowchart of a method for product clearing provided by an embodiment of the present application.
  • FIG. 4 is a structural diagram of a device for clearing a product according to an embodiment of the present application.
  • FIG. 5 is a schematic diagram of a terminal according to an embodiment of the present application.
  • FIG. 1 is a schematic flow chart of product clearing provided by an embodiment of the present application.
  • the flow of Figure 1 can be performed by a background server.
  • Step S101 Send a product list to be cleared to the service terminal, and obtain a payment notice of the product to be cleared returned by the service terminal according to the product list.
  • the background server can automatically generate a notification email for reminding clearing through an Independent Manufacturers Support Program (IMSP), and send the reminder information as a reminder clearing to the business manager.
  • the service terminal is a terminal device operated by a business manager or a post-investment management first-instance personnel, and the business manager may perform a clearing start operation on the business terminal, and upload a payment notice.
  • the service terminal obtains a payment notice of the product to be cleared that is uploaded by the business manager according to the product list, and returns to the background server.
  • the background server receives the payment notice of the product to be cleared returned by the service terminal.
  • the content of the notification email includes a list of products whose expiration date will expire, such as a full product name, a special account code, a main TA code, a contract number, and an expiration time.
  • the recipient of the email can be a single business manager or a single post-investment management first instance.
  • the frequency and content of sending the notification email may be: sending a list of products that need to be cleared on T+20 natural day every day, and opening the products in the list to initiate a clearing process, that is, the business manager can enter the system operation.
  • T refers to the expiration date of the product end contract
  • the term of the contract corresponding to the product is the same.
  • the maximum contract termination period shall prevail when calculating the above T+20.
  • Step S102 Send the payment notification to the post-investment management terminal, and complete a confirmation operation of whether the product to be cleared is normally cleared according to the payment notification.
  • the post-investment management terminal is a terminal device for post-investment management post operation, and after obtaining the payment notification, the background server may further send clearing reminding information and the payment notification to the post-investment management post, The post-investment management post is reminded to perform a clearing confirmation operation, and the confirmation operation of whether the product to be cleared is normally liquidated is completed based on the payment notification.
  • the post-investment management post can judge whether the products to be cleared are normally liquidated according to the payment notice and the clearing reminder information, that is, whether the normal liquidation conditions are met.
  • the product to be liquidated satisfies the product clearing condition by the following means. For example, when the post-investment management post normally recovers all the funds, it can be regarded as satisfying the product liquidation conditions, and the liquidation products enter the normal liquidation process. If the part of the payment is not recovered or only recovered within the time of arrival, it can be regarded as not satisfying the product liquidation conditions. The liquidation product does not enter the liquidation process and can be returned to the business manager to determine the liquidation plan offline.
  • Step S103 When obtaining the confirmation instruction that the to-be-cleared product sent by the post-investment management terminal is normal clearing, send a production message of the escrow household payment instruction information to the fund accounting terminal according to the confirmation instruction.
  • the fund accounting terminal is a terminal device operated by the fund accounting non-standard clearing post.
  • the background server may send a production message of the custodian's payment instruction information to the fund accounting non-standard clearing post by means of mail to indicate that the fund accounting non-standard clearing post produces the escrow account.
  • the content of the email may indicate that the product is nearing the end of the contract. Please prepare the liquidation report for the product, and provide the full product name, the account code, the main TA code, the contract number, and the expiration time.
  • the recipient of the email is a non-standard clearing post.
  • the subject name can be the end of the contract for a product. Please make a clearing report in advance.
  • the to-be-cleared product includes a channel management type product and an active management type product.
  • the background server may first send information to the service terminal to perform investment income check, for example, sending an email to the service terminal to notify the business manager. Check the investment income. Then, the verification result returned by the service terminal is obtained, and the production message of the custodian household payment instruction information is sent to the fund accounting terminal according to the verification result.
  • the background server may not directly execute the verification link of the business manager, and directly send the production message of the production bank transfer instruction information to the fund accounting terminal.
  • Step S104 Acquire, according to the clearing data returned by the fund accounting terminal according to the production message, batch export the custodian payment instruction information according to the clearing data, and send the custodian household payment instruction information to the fund accounting terminal to execute Submit the operation.
  • the fund accounting terminal outputs the entry interface of the custodian household payment instruction information according to the production message of the custodian household payment instruction information, so as to guide the fund accounting non-standard clearing post to approve the financial data, and enter the payment account according to the type of the transfer amount.
  • clearing account collection account bank, transfer amount, capitalized payment line number, use and other clearing materials, batch production of the transfer instructions.
  • the types of payment include, but are not limited to, management fees, custody fees, and principal income.
  • the back-end server can obtain the clearing data of the fund accounting non-standard clearing post according to the production message, and export the arbitrage household payment instruction information in batches according to the clearing data, and send the custodian household payment instruction information to the fund accounting non-standard clearing post to perform confirmation and submission.
  • the custodian payment instruction information may be displayed by using a PDF document, and each payment type corresponds to a PDF document of the escrow household payment instruction information.
  • Step S105 when obtaining the submission instruction of the escrow account payment instruction information sent by the fund accounting terminal, submitting the custodian household payment instruction information to the escrow bank to complete the payment, and acquiring the fund accounting terminal Product clearing report sent.
  • the escrow account payment indication information includes, but is not limited to, a product full name, an asset code, a number, a custodian bank, a time of arrival, a payee, a bank account, an account number, a payment system number, Payer, payment bank, payment account, amount of funds, use of funds, remarks.
  • the back-end server sends the escrow account payment instruction information to the fund accounting terminal, so that the fund accounting terminal displays the fund-accounting non-standard clearing post display step S104 according to the export instruction made by the clearing data, that is, the custodian household payment instruction information, and guides the fund accounting non- The standard clearing post performs the commit operation.
  • the background server When receiving the submission instruction, the background server submits the escrow account payment indication information to the escrow line to instruct the escrow bank to perform a review and payment operation according to the escrow account payment instruction information. After the payment is completed, the fund accounting non-standard clearing post can confirm the offline payment result on the fund accounting terminal and enter the liquidation report. Then enter the actual payment record of the last period of all expenses, including the date of payment and the actual payment.
  • the background server receives the product clearing report archive returned by the fund accounting terminal, thereby completing a liquidation of the product to be liquidated.
  • the clearing report template includes the liquidation situation.
  • Liquidation can include assets and liabilities.
  • Assets may include bank deposit amounts and interest on bank deposits receivable.
  • Liabilities can include management fees payable, custodian fees payable, amounts due to clients, and performance payables.
  • Liquidation includes the remaining assets and asset custodians after liquidation.
  • the background server may also generate a clearing report in the word format according to the preset clearing report template according to the clearing report export instruction sent by the fund accounting terminal, and derive the clearing report.
  • the payment notification of the product to be cleared uploaded by the service terminal is obtained by sending the product list to the service terminal; and then the payment notification and the clearing reminding information are sent to the post-investment management terminal, so that the post-investment management post is based on the payment notification Confirm whether the product to be liquidated is normally liquidated;
  • the clearing product sent by the post-investment management terminal is the confirmation instruction of normal liquidation
  • the production message of the custodian household payment instruction information is sent to the fund accounting terminal according to the confirmation instruction
  • the custodian household payment instruction information is batch-exported according to the clearing data and sent to the fund accounting terminal to perform the submitting operation;
  • the confirmation instruction of the escrow household payment instruction information sent by the fund accounting terminal is obtained, the escrow
  • the household payment instruction information is submitted to the custodian bank to complete the payment, and the product clearing report sent by the fund accounting terminal is obtained; the business manager, the post-investment management post, the fund accounting non-standard
  • FIG. 2 it is a schematic diagram of a second implementation process of the method for product clearing provided by the embodiment of the present application.
  • the method includes:
  • Step S201 Send a product list to be cleared to the service terminal, and obtain a payment notice of the product to be cleared returned by the service terminal according to the product list.
  • Step S202 the payment notification is sent to the post-investment management terminal, and the confirmation operation of whether the product to be cleared is normally cleared is completed based on the payment notification.
  • Step S203 When obtaining the confirmation instruction that the to-be-cleared product sent by the post-investment management terminal is normal clearing, send a production message for making the custodian household payment instruction information to the fund accounting terminal according to the confirmation instruction.
  • Step S204 Acquire the clearing data returned by the fund accounting terminal according to the production message, and batchly export the custodian household payment instruction information according to the clearing data.
  • the steps S201 to S204 are the same as the steps S101 to S104 described in the embodiment of the present invention. For details, refer to the description of the foregoing embodiment, and details are not described herein again.
  • the method further includes:
  • Step S205 Send the escrow account payment indication information to the service terminal, and perform a verification operation on the escrow account payment instruction information.
  • the escrow account payment instruction information is submitted to the background server, and the background server may send the escrow account payment instruction information to the service manager to prompt the service manager to perform a check operation of the escrow account payment instruction information.
  • the service manager can review and confirm the information on the verification interface and the custodian payment instruction information of the attachment.
  • the “check”, “review pass” and “return” function identifiers are also provided on the check interface.
  • the "Download” function identifier indicates that the attachments are downloaded in batches, such as downloading product payment notices.
  • the “Review Pass” function identifier indicates the input opinion, clicks the function identifier, the default opinion is the consent, and the specific opinion can also be input. Clicking the save to complete the review, the process proceeds to the step S206, and the management post checks the custodian's payment instruction information.
  • the "return" function identifier indicates that an opinion is input when the contract information review fails, and the function identifier can be clicked to input a specific disagree opinion and saved, or the default click directly saves, the default opinion is disagree, and the flow returns to step S204.
  • Step S206 after completing the verification operation, sending the custodian household payment instruction information to the post-mortem management terminal, and performing a review operation on the custodian household payment instruction information.
  • the background server may further send the escrow account payment instruction information to the post-investment management terminal, so as to prompt the secondary check operation of the post-investment management post to the custodian household payment instruction information.
  • the post-investment management post can download the attachments in batches, and review the information on the review interface and the custodian indication information of the attachments.
  • the display of the deposit plan indication information on the review interface and the above is the same as step S205, and will not be described in detail herein.
  • the embodiment of the present application further improves the accuracy of the custodian's payment instruction information by sending the custodian payment instruction information to the business manager and the post-investment management post to perform the audit operation, thereby improving the accuracy of the levy, and facilitating the illegal operation.
  • Step S207 the custodian payment instruction information is sent to the fund accounting terminal for submitting operation.
  • Step S208 when obtaining the submission instruction of the escrow account payment instruction information sent by the fund accounting terminal, submitting the custodian household payment instruction information to the escrow bank to complete the payment, and acquiring the fund accounting terminal Product clearing report sent.
  • steps S207 to S208 are the same as the steps S104 to 105 described in the embodiment of FIG. 1.
  • steps S104 to 105 described in the embodiment of FIG. 1.
  • the above embodiment relates to the first clearing, and realizes online clearing of non-standard special product.
  • the third implementation process of the method for product clearing provided by the embodiment of the present application is proposed to implement online clearing and online account cancellation for non-standard account products.
  • a schematic flow chart of product clearing will be described in detail below in conjunction with the third embodiment of FIG.
  • Step S301 to step S305 wherein the steps S301 to S305 are the same as the steps S101 to S105 described in the embodiment of the present invention.
  • steps S301 to S305 are the same as the steps S101 to S105 described in the embodiment of the present invention.
  • steps S301 to S305 are the same as the steps S101 to S105 described in the embodiment of the present invention.
  • the method for clearing the product further includes:
  • Step S306 receiving a customer account application sent by the service terminal.
  • the business manager After viewing the clearing report from the background server, the business manager initiates the account cancellation application based on the clearing report, and cancels the account information that has been cleared in the list interface.
  • the background server receives the account cancellation application initiated by the business manager according to the liquidation report.
  • Step S307 Send the account cancellation application to the account group terminal, and obtain the credit balance of the account that the account group terminal returns according to the account cancellation application.
  • the account group terminal is a terminal device operated by an account group.
  • the account group can query the credit balance of the bank from the bank and enter the balance of the credit account at the terminal of the account group, and the credit account is the abbreviation of the entrusted loan account.
  • the interface for the account group to enter the credit balance of the account can be controlled by the “save” and “submit” function identifiers.
  • the "Save” function flag indicates that the interface information is temporarily saved but not submitted.
  • “Submit” means completing the entry and submitting the interface information to the backend server.
  • the background server determines whether the credit balance of the credit card is 0. If the credit balance is not 0, the flow proceeds to step S308; if the credit balance is 0, the flow proceeds to step S311. Step S308, if the credit balance of the credit card is not 0, send a production message of the credit balance transfer instruction information to the service terminal, and obtain the credit information of the service terminal returned by the service terminal according to the production message.
  • the embodiment of the present application sends a production message of the credit balance indication information to the service terminal, so that the business manager enters the credit information of the credit according to the production message to create The fund transfer household balance transfer instructions, complete the liquidation of the creditors.
  • the account information input interface includes but is not limited to the account information of the credit account, the account information of the custodian, the amount of the transfer, the time of the transfer, and the remarks.
  • the account information of the bank account is an account
  • the account information of the escrow account is an account
  • the account information of the bank account and the account information of the escrow account include a name, an account number, and an account opening bank.
  • Step S309 generating a credit card balance transfer instruction information according to the creditor information, and sending the credit balance balance transfer instruction information to the fund accounting terminal.
  • the foregoing credit information input interface includes an export function identifier of the credit balance payment instruction.
  • the background server triggers the export function identifier to be exported according to the credit card balance instruction information template, and generates an instruction document.
  • the instruction document can be in Excel format.
  • the credit card balance transfer instruction information template includes but is not limited to the credit account information - the account is allocated, the credit information is transferred - the account is transferred, the amount of the transfer, and the time of the transfer.
  • the designated account may include a corresponding account name, an account opening bank, and an account number.
  • the account can also include the corresponding account name, account opening bank, and account number.
  • the background server may further send the credit balance payment instruction information to an Estimate Of Alternatives (EOA) approval report and send a large amount of verifier.
  • EOA Estimate Of Alternatives
  • the foregoing credit information input interface further includes a submit function identifier.
  • the background server sends the credit balance payment instruction information to the fund accounting terminal to instruct the fund accounting non-standard clearing post to perform the confirmation and submit operation.
  • Step S310 when the submission instruction of the depositing credit transfer instruction information sent by the fund accounting terminal is obtained, the credit balance of the creditor is transferred to the custodian.
  • the background server When obtaining the submission instruction of the non-standard clearing post of the fund accountant to the fund transfer household balance transfer instruction information, the background server performs the transfer operation of the credit account balance, transfers the credit balance of the credit account to the custodian, and can notify the relevant by mail. The processing person has been completed. At this point, the credit balance of the credit card is cleared, and the background server updates the credit balance value of the credit card, and step S311 is performed.
  • Step S311 If the credit balance of the credit card is 0, send a production message of the deposit balance indication information to the fund accounting terminal, and obtain the escrow household information returned by the fund accounting terminal according to the production message.
  • the background server sends a production message to the fund accounting non-standard clearing post to send the transfer balance indication information of the escrow account, so that the fund accounting non-standard clearing post is based on Create message entry custodian information, including entry custodian balance, balance owner, payment account, and collection account.
  • the background server obtains the escrow household information, and determines whether the escrow account balance in the escrow household information is 0. If it is not zero, it means that the second clearing is performed, and step S312 is performed; if the custodian balance is 0, it means that the second clearing is not required, and step S317 is executed to complete the account cancellation and the liquidation process is ended.
  • Step S312 If the custodian balance in the custodian information is not 0, generate custodian balance drawing instruction information according to the custodian information.
  • the custodian balance transfer instruction information is a custodian balance transfer instruction, and is in a PDF document format.
  • the custodian balance transfer instruction information includes the full name of the escrow account, the balance affiliation, the full product name to be delineed, the main TA code, the instruction code, the order date, the arrival date, the payment account, and the receipt.
  • Step S313 Send the custodian balance transfer instruction information to the service terminal, and perform a check operation on the custodian balance transfer instruction information.
  • the custodian household payment instruction information is sent to the business manager, and the business manager performs the first approval operation.
  • the approval results include check pass and return.
  • the service manager may review the custodian balance transfer instruction information on the service terminal. If the escrow account balance operation is approved, the business manager may trigger a check to pass the function identification input check pass instruction, and the background server saves the escrow account balance transfer instruction information according to the check, and proceeds to step S314. If the escrow account balance operation is not approved, the service manager may trigger the return function identification input return instruction, and the background server acquires and saves the specific disagree opinion according to the return instruction, and performs a return operation, and returns to step S312.
  • Step S314 after completing the verification operation, sending the escrow household balance transfer instruction information to the post-mortem management terminal, and performing a review operation on the custodian balance transfer instruction information.
  • the custodian household payment instruction information is also sent to the post-investment management post, and the post-investment management post performs the second approval operation.
  • the approval results include check pass and return.
  • the post-investment management post may review the depositee's balance transfer instruction information on the post-investment management terminal. If the escrow account balance operation is approved, the post-investment management post may trigger the verification to pass the function identification input verification pass instruction, and the background server saves the escrow account balance transfer instruction information according to the check, and proceeds to step S315. . If the escrow account balance operation is not approved, the post-administration post may trigger the return function identification input return instruction, and the background server acquires and saves the specific disagree opinion according to the return instruction, and performs a return operation, and returns to step S312.
  • Step S315 after completing the review operation, sending the custodian balance transfer instruction information to the fund accounting terminal.
  • the custodian household payment instruction information is sent to the fund accounting non-standard clearing post, and the fund accounting non-standard clearing post performs the final confirmation and submission. If the submission instruction of the fund accounting non-standard clearing post input is received, the process goes to step S316, and if the return instruction input by the fund accounting non-standard clearing post is received, the process goes to step S311, and a re-entry instruction is sent to the fund accounting terminal. Information to remind fund accounting non-standard clearing post to re-enter the custodian information.
  • Step S316 when the submission instruction of the escrow account balance instruction information sent by the fund accounting terminal is obtained, the custodian balance is transferred to the balance affiliation.
  • the background server After receiving the submitting instruction, the background server obtains the escrow account balance and the balance affiliation obtained from the custodian balance drawing instruction information, transfers the custodian balance to the balance affiliation, and completes the escrow account balance clearing And update the custodian balance value to 0.
  • Step S317 obtaining a account cancellation certificate, and performing the account cancellation and clearing operation according to the account cancellation certificate.
  • the background server sends a account cancellation instruction to the account group terminal to instruct the account group to upload the account vouchers of all accounts according to the account cancellation instruction.
  • the account includes but is not limited to a bank account, a shareholder code card account, a fund direct account, an interbank account, a securities fund account, a futures calculation account, and a futures account.
  • the background server obtains the account cancellation certificate, and performs an account cancellation operation on the account corresponding to the account cancellation voucher, and ends the product clearing process, thereby completing the online second settlement process.
  • the embodiment of the present application connects the service terminal, the post-investment management terminal, and the fund accounting terminal through the background server, and sends the operation instruction information to the business manager, the post-investment management post, and the fund accounting non-standard clearing post according to the predetermined account cancellation process.
  • the business manager, the post-investment management post, the fund accounting non-standard clearing post can complete the account cancellation according to the instructions, and realize the online second clearing method, standardize the product clearing process, and improve the product liquidation. The degree of automation and efficiency.
  • the device may be a software unit, a hardware unit or a combination of software and hardware built in the server, and can communicate with a plurality of terminals.
  • the plurality of terminals include, but are not limited to, a service terminal, a post-investment management terminal, a fund accounting terminal, and an account group terminal.
  • the device for product clearing includes:
  • the clearing start module 41 is configured to send a product list to be cleared to the service terminal, and obtain a payment notice of the product to be cleared returned by the service terminal according to the product list;
  • the clearing confirmation module 42 is configured to send the payment notification to the post-investment management terminal, and complete a confirmation operation of whether the to-be-cleared product is normally cleared according to the payment notification;
  • the first production instructing module 43 is configured to, when acquiring the confirmation instruction that the to-be-cleared product sent by the post-investment management terminal is normal clearing, send the custodian household payment instruction information to the fund accounting terminal according to the confirmation instruction. Making a message;
  • the exporting module 44 is configured to obtain clearing data returned by the fund accounting terminal according to the production message, and batch export the custodian payment instruction information according to the clearing data, and send the custodian household payment instruction information to the fund
  • the accounting terminal performs a submit operation
  • the first clearing module 45 is configured to, when acquiring the submission instruction of the escrow account payment instruction information sent by the fund accounting terminal, submit the custodian payment instruction information to the escrow bank to complete the payment, and obtain A product liquidation report sent by the fund accounting terminal.
  • the clearing process is started by the clearing start module 41, the clearing confirmation module 42 confirms the clearing state, the first production instruction module 43 instructs the production instruction, the export module 44 derives the instruction, and the first clearing module 45 executes the payment, so that The business manager, the post-investment management post, and the fund accounting non-standard clearing post can complete the product clearing according to the instructions sent by the background server, realize the online product clearing method, and improve the automation degree and efficiency of the product clearing.
  • the device before the sending the custodian payment instruction information to the fund accounting terminal to perform the submitting operation, the device further includes:
  • the first verification module 46 is configured to send the escrow account payment indication information to the service terminal, and perform a verification operation on the custodian household payment instruction information;
  • the first review module 47 is configured to send the custodian household payment instruction information to the post-mortem management terminal after performing the verification operation, and perform a review operation on the custodian household payment instruction information.
  • the escrow account payment indication information includes at least one of the following information:
  • the embodiment of the present application further improves the accuracy of the custodian's payment instruction information by sending the custodian payment instruction information to the business manager and the post-investment management post to perform the audit operation, thereby improving the accuracy of the levy, and facilitating the illegal operation.
  • the device further includes:
  • the receiving module 48 is configured to receive a customer account application sent by the service terminal;
  • the obtaining module 49 is configured to send the account cancellation application to the account group terminal, and obtain the balance of the credit card returned by the account group terminal according to the account cancellation application;
  • the second production instructing module 410 is configured to send a production message of the escrow account balance instruction information to the fund accounting terminal if the balance of the creditor is 0, and obtain the return of the fund accounting terminal according to the production message.
  • Custodian information
  • the second clearing module 411 is configured to: if the balance of the custodian in the custodian information is 0, obtain the account vouchers, and perform the account cancellation and clearing operations according to the account vouchers.
  • the device further includes:
  • the third production instructing module 412 is configured to: if the credit balance of the creditor is not 0, send a production message of the credit balance indication information to the service terminal, and obtain the return of the service terminal according to the production message. Credit account information;
  • the first submitting module 413 is configured to generate a credit balance payment instruction information according to the creditor information, and send the credit balance payment instruction information to the fund accounting terminal;
  • the first payment module 414 is configured to transfer the credit of the creditor to the custodian when the submission instruction of the credit balance instruction information sent by the fund accounting terminal is obtained.
  • the device further includes:
  • a generating module 415 configured to generate, according to the escrow household information, a custodian balance drawing instruction information, if the custodian balance in the custodian information is not 0;
  • the second verification module 416 is configured to send the credit balance payment instruction information to the service terminal, and perform a verification operation on the deposit balance indication information of the custodian;
  • the second review module 417 is configured to send the credit balance payment instruction information to the post-mortem management terminal after the verification operation is completed, and perform a review operation on the deposit balance transfer instruction information of the custodian;
  • the second submitting module 418 is configured to send the custodian balance drawing instruction information to the fund accounting terminal after completing the review operation;
  • the second payment module 419 is configured to transfer the custodian balance to the balance affiliation when the submission instruction of the custodian balance transfer instruction information sent by the fund accounting terminal is obtained.
  • the embodiment of the present application connects the service terminal, the post-investment management terminal, and the fund accounting terminal through the background server, and sends the operation instruction information to the business manager, the post-investment management post, and the fund accounting non-standard clearing post according to the predetermined account cancellation process.
  • the business manager, the post-investment management post, the fund accounting non-standard clearing post can complete the account cancellation according to the instructions, and realize the online second clearing method, standardize the product clearing process, and improve the product liquidation. The degree of automation and efficiency.
  • each module/unit in the embodiment of the present application may be used to implement all the technical solutions in the foregoing method embodiments, and the specific working process may refer to the corresponding process in the foregoing method embodiments, and details are not described herein again. .
  • one or more non-volatile readable storage media storing computer readable instructions are provided.
  • the one or more non-transitory readable storage mediums storing computer readable instructions, when executed by one or more processors, causing one or more processors to perform the operations described in embodiment 1.
  • the method of product clearing, in order to avoid duplication, will not be repeated here.
  • the functions of the modules/units in the device for implementing the product clearing described in Embodiment 2 when the computer readable instructions are executed by the processor are not described herein again.
  • non-volatile readable storage media storing computer readable instructions may comprise: any entity or device capable of carrying the computer readable instructions, a recording medium, a USB flash drive, a mobile hard drive, a magnetic Discs, optical discs, computer memories, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier signals, and telecommunications signals.
  • FIG. 5 is a schematic diagram of a terminal according to an embodiment of the present application.
  • the terminal includes but is not limited to a server and a mobile terminal.
  • the terminal 2 of this embodiment includes a processor 20, a memory 21, and computer readable instructions 22 stored in the memory 21 and executable on the processor 20.
  • the steps in the method embodiment of implementing the product clearing described in FIG. 1 or FIG. 3 when the processor 20 executes the computer readable instructions 22, such as the steps S101 to S105 shown in FIG. 1 and the embodiment in FIG. 2 Steps S201 to S208, steps S301 to S317 described in the embodiment of FIG. 3; or, each module/unit in the apparatus embodiment for implementing the product clearing when the processor 20 executes the computer readable instruction 22 The functions of the modules 41 to 419 shown in Fig. 4, for example.
  • the processor 20 may be a central processing unit (CPU), or may be other general-purpose processors, a digital signal processor (DSP), an application specific integrated circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, etc.
  • the general purpose processor may be a microprocessor or the processor or any conventional processor or the like, which is a control center of the terminal, and connects various parts of the entire terminal using various interfaces and lines.
  • the memory 21 can be used to store the computer readable instructions and/or modules, by executing or executing computer readable instructions and/or modules stored in the memory, and invoking data stored in the memory Implementing various functions of the terminal.
  • the memory may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application required for at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may be stored. Data created based on the use of the terminal, etc.
  • the memory may include a high-speed random access memory, and may also include non-volatile memory such as a hard disk, a memory, a plug-in hard disk, a smart memory card (SMC), and a secure digital card (Secure Digital, SD). , Flash Card, at least one disk storage device, flash memory device, or other volatile solid-state storage device.
  • non-volatile memory such as a hard disk, a memory, a plug-in hard disk, a smart memory card (SMC), and a secure digital card (Secure Digital, SD).
  • SD Secure Digital
  • Flash Card at least one disk storage device, flash memory device, or other volatile solid-state storage device.
  • each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

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Abstract

本申请提供了一种产品清算的方法。该产品清算方法包括：向业务终端发送待清算的产品清单，获取所述业务终端返回的待清算产品的付款通知书；向投后管理终端发送所述付款通知书；当获取到所述投后管理终端发送的所述待清算产品为正常清算的确认指令时，向基金会计终端发送托管户划款指示信息的制作消息；获取所述基金会计终端返回的清算资料，根据所述清算资料批量导出托管户划款指示信息，并发送至所述基金会计终端执行提交操作；根据所述基金会计终端发送的提交指令时将所述托管户划款指示信息提交至托管行以完成支付，并获取产品清算报告。本申请实现了在线的产品清算方式，提高了产品清算的自动化程度及效率。

Description

产品清算的方法、装置、存储介质及终端
本申请以2017年12月08日提交的申请号为201711291864.3，名称为“产品清算的方法、装置、存储介质及终端”的中国发明专利申请为基础，并要求其优先权。
技术领域
本申请涉及信息技术领域，尤其涉及一种产品清算的方法、装置、存储介质及终端。
背景技术
根据使用Internet开发的电子商业，在打算出售商品的卖方(债权人)和打算购买商品的客户(付款人)间已经使用过多种清算方法。通常，电子商业一般主要按参与交易的群体被分为商业对商业(B对B)、商业对个人(B对P)以及个人对个人(P对P)。B对P或P对P商业采用使用现金、信用卡、预付卡以及便携式电话的清算方法。P对P商业不能采用使用信用卡、预付或便携式电话的清算方法，仅能采用使用现金的清算方法，这样，商人或卖方通知买方帐号以及买方将钱存入该帐号来完成清算。
现有的清算工作是由清算人员去完成，通常需要从繁杂的清算报告中去人工检索和查找各类文件的状态，每一环节的清算人员还需要与上一环节或下一环节的清算人员面谈或交接资料，这样的方式费时费力、效率低下，自动化程度低，且容易发生错误，可能直接影响企业的正常运行。
发明内容
本申请提出一种产品清算的方法、装置、存储介质及终端，以实现在线的产品清算方式，提高产品清算的自动化程度及效率。
第一方面，提供了一种产品清算的方法，该方法包括：
向业务终端发送待清算的产品清单，获取所述业务终端根据所述产品清单返回的待清算产品的付款通知书；
向投后管理终端发送所述付款通知书和清算提醒信息，基于所述付款通知书完成所述待清算产品是否正常清算的确认操作；
当获取到所述投后管理终端发送的所述待清算产品为正常清算的确认指令时，根据所述确认指令向基金会计终端发送托管户划款指示信息的制作消息；
获取所述基金会计终端根据所述制作消息返回的清算资料，根据所述清算资料批量导出托管户划款指示信息，将所述托管户划款指示信息发送至所述基金会计终端执行提交操作；
当获取到所述基金会计终端发送的所述托管户划款指示信息的提交指令时，将所述托管户划款指示信息提交至托管行以完成支付，并获取所述基金会计终端发送的产品清算报告。
进一步地，在将所述托管户划款指示信息发送至基金会计终端执行提交操作之前，所述方法还包括：
将所述托管户划款指示信息发送至所述业务终端，执行对所述托管户划款指示信息的核对操作；
在完成核对操作后，将所述托管户划款指示信息发送至所述投后管理终端，执行对所述托管户划款指示信息的复核操作。
进一步地，所述托管户划款指示信息包括下列信息中的至少一种：
产品全称、资产代码、编号、托管银行、到账时间、收款人、收款开户行、账号、支付系统号、付款人、付款开户行、付款账号、划款金额、资金用途、备注。
进一步地，所述方法还包括：
接收所述业务终端发送的销户申请；
将所述销户申请发送至账户组终端，获取所述账户组终端根据所述销户申请返回的委贷户余额；
若所述委贷户余额为0时，向基金会计终端发送托管户余额划款指示信息的制作消息，并获取所述基金会计终端根据所述制作消息返回的托管户信息；
若所述托管户信息中的托管户余额为0时，获取销户凭证，根据所述销户凭证执行销户与清算操作。
进一步地，所述方法还包括：
若所述委贷户余额不为0时，向业务终端发送委贷户余额划款指示信息的制作消息，并获取所述业务终端根据所述制作消息返回的委贷户信息；
根据所述委贷户信息生成委贷户余额划款指示信息，并将所述委贷户余额划款指示信息发送至基金会计终端；
当获取到所述基金会计终端发送的所述委贷户余额划款指示信息的提交指令时，将委贷户余额划转到托管户。
进一步地，若所述托管户信息中的托管户余额不为0时，所述方法还包括：
根据所述托管户信息生成托管户余额划款指示信息；
将所述委贷户余额划款指示信息发送至所述业务终端，执行对所述托管户余额划款指示信息的核对操作；
在完成核对操作后，将所述委贷户余额划款指示信息发送至所述投后管理终端，执行对所述托管户余额划款指示信息的复核操作；
在完成复核操作后，将所述托管户余额划款指示信息发送至基金会计终端；
当获取到所述基金会计终端发送的所述托管户余额划款指示信息的提交指令时，将托管户余额划转至余额归属人。
第二方面，提供了一种产品清算的装置，所述装置包括：
清算启动模块，用于向业务终端发送待清算的产品清单，获取所述业务终端根据所述产品清单返回的待清算产品的付款通知书；
清算确认模块，用于向投后管理终端发送所述付款通知书，基于所述付款通知书完成所述待清算产品是否正常清算的确认操作；
第一制作指示模块，用于当获取到所述投后管理终端发送的所述待清算产品为正常清算的确认指令时，根据所述确认指令向基金会计终端发送托管户划款指示信息的制作消息；
导出模块，用于获取所述基金会计终端根据所述制作消息返回的清算资料，根据所述清算资料批量导出托管户划款指示信息，将所述托管户划款指示信息发送至所述基金会计终端执行提交操作；
第一清算模块，用于当获取到所述基金会计终端发送的所述托管户划款指示信息的提交指令时，将所述托管户划款指示信息提交至托管行以完成支付，并获取所述基金会计终端发送的产品清算报告。
进一步地，所述装置还包括：
接收模块，用于接收所述业务终端发送的销户申请；
获取模块，用于将所述销户申请发送至账户组终端，获取所述账户组终端根据所述销户申请返回的委贷户余额；
第二制作指示模块，用于若所述委贷户余额为0时，向基金会计终端发送托管户余额划款指示信息的制作消息，并获取所述基金会计终端根据所述制作消息返回的托管户信息；
第二清算模块，用于若所述托管户信息中的托管户余额为0时，获取销户凭证，根据所述销户凭证执行销户与清算操作。
第三方面，提供了一个或多个存储有计算机可读指令的非易失性可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行如下步骤：
向业务终端发送待清算的产品清单，获取所述业务终端根据所述产品清单返回的待清算产品的付款通知书；
向投后管理终端发送所述付款通知书，基于所述付款通知书完成所述待清算产品是否正常清算的确认操作；
当获取到所述投后管理终端发送的所述待清算产品为正常清算的确认指令时，根据所述确认指令向基金会计终端发送托管户划款指示信息的制作消息；
获取所述基金会计终端根据所述制作消息返回的清算资料，根据所述清算资料批量导出托管户划款指示信息，将所述托管户划款指示信息发送至所述基金会计终端执行提交操作；
当获取到所述基金会计终端发送的所述托管户划款指示信息的提交指令时，将所述托管户划款指示信息提交至托管行以完成支付，并获取所述基金会计终端发送的产品清算报告。
第四方面，提供了一种终端，所述终端包括存储器、处理器及存储在存储器上并能在处理器上运行的计算机可读指令，所述处理器执行所述计算机可读指令时实现如下步骤：
向业务终端发送待清算的产品清单，获取所述业务终端根据所述产品清单返回的待清算产品的付款通知书；
向投后管理终端发送所述付款通知书，基于所述付款通知书完成所述待清算产品是否正常清算的确认操作；
当获取到所述投后管理终端发送的所述待清算产品为正常清算的确认指令时，根据所述确认指令向基金会计终端发送托管户划款指示信息的制作消息；
获取所述基金会计终端根据所述制作消息返回的清算资料，根据所述清算资料批量导出托管户划款指示信息，将所述托管户划款指示信息发送至所述基金会计终端执行提交操作；
当获取到所述基金会计终端发送的所述托管户划款指示信息的提交指令时，将所述托管户划款指示信息提交至托管行以完成支付，并获取所述基金会计终端发送的产品清算报告。
本申请的一个或多个实施例的细节在下面的附图及描述中提出。本申请的其他特征和优点将从说明书、附图以及权利要求书变得明显。
附图说明
为了更清楚地说明本申请实施例的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1为本申请实施例提供的产品清算的方法的第一实现流程图；
图2为本申请实施例提供的产品清算的方法的第二实现流程图；
图3为本申请实施例提供的产品清算的方法的第三实现流程图；
图4为本申请实施例提供的产品清算的装置的组成结构图。
图5为本申请实施例提供的一种终端的示意图。
具体实施方式
下面详细描述本申请的实施例，所述实施例的示例在附图中示出，其中自始至终相同或类似的标号表示相同或类似的元件或具有相同或类似功能的元件。下面通过参考附图描述的实施例是示例性的，旨在用于解释本申请，而不能理解为对本申请的限制。
实施例1
图1是本申请实施例提供的产品清算的示意性流程图。图1的流程可以由后台服务器执行。
步骤S101，向业务终端发送待清算的产品清单，获取所述业务终端根据所述产品清单返回的待清算产品的付款通知书。
在本申请实施例中，后台服务器可以通过独立制造商支持程序(Independent Manufacturers Support Program，IMSP)自动生成提醒清算的通知邮件，作为提醒清算的提醒信息发给业务经理。所述业务终端为业务经理或投后管理初审人员操作的终端设备，业务经理可以在所述业务终端上执行清算启动操作，上传付款通知书。业务终端获取业务经理根据所述产品清单上传的待清算产品的付款通知书，并返回至所述后台服务器。后台服务器接收业务终端返回的待清算产品的付款通知书。
可选地，所述通知邮件的内容包括到期日将到期的产品清单，比如产品全称、专户代码、主TA代码、合同编号、到期时间。邮件接收人可以为单个业务经理，也可以为单个投后管理初审人员。
可选地，发送通知邮件的频率和内容可以为：每天发送T+20自然日需要到期清算的产品清单，同时开启此清单内的产品可以发起清算流程，即业务经理可以进入系统操作。其中，T指产品端合同的到期日，原则上产品对应的合同的止期是相同的。由于人工错误导致合同的止期异常时，如可能由于人工错误导致合同止期有大有小，此时在计算上述T+20时，以最大的合同止期为准。
步骤S102，向投后管理终端发送所述付款通知书，基于所述付款通知书完成所述待清算产品是否正常清算的确认操作。
在本申请实施例中，所述投后管理终端为投后管理岗操作的终端设备，后台服务器获取到付款通知书后，还可以向投后管理岗发送清算提醒信息和所述付款通知书，以提醒投后管理岗执行清算确认操作，基于所述付款通知书完成所述待清算产品是否正常清算的确认操作。投后管理岗可以根据付款通知书和清算提醒信息判断待清算产品是否正常清算，即是否满足正常清算条件。
在本申请的一个实施例中，可以通过下列方式确认待清算产品是否满足产品清算条件。例如，在到账时间内投后管理岗正常收回全部款项时，可以视为满足产品清算条件，清算产品进入正常清算流程。如果在到账时间内未收回或仅收回部分款项时，可以视为不满足产品清算条件，清算产品不进入清算流程，可以退回业务经理，线下确定清算方案。
步骤S103，当获取到所述投后管理终端发送的所述待清算产品为正常清算的确认指令时，根据所述确认指令向基金会计终端发送托管户划款指示信息的制作消息。
在这里，所述基金会计终端为基金会计非标清算岗操作的终端设备。后台服务器收到待 清算产品为正常清算的确认指令后，可以通过邮件的方式向基金会计非标清算岗发送托管户划款指示信息的制作消息，以指示基金会计非标清算岗制作托管户划款指示信息。其中，邮件的内容可以表明该产品临近合同止期，请准备制作该产品的清算报告，并提供产品全称、专户代码、主TA代码、合同编号、到期时间等。邮件收件人为非标清算岗，主题名称可以为某产品临近合同止期，请提前制作清算报告。
可选地，在本申请实施例中，待清算产品包括通道管理型产品和主动管理型产品。在获取所述基金会计终端根据所述制作消息返回的清算资料后，对通道管理型产品，后台服务器可以先向业务终端发送执行投资收益核对的信息，比如向业务终端发送邮件，以通知业务经理进行投资收益核对。然后获取业务终端返回的核对结果，根据所述核对结果再向基金会计终端发送托管户划款指示信息的制作消息。
而对主动管理型产品，后台服务器可以不执行业务经理的核对环节，直接向基金会计终端发送制作托管户划款指示信息的制作消息。
步骤S104，获取所述基金会计终端根据所述制作消息返回的清算资料，根据所述清算资料批量导出托管户划款指示信息，将所述托管户划款指示信息发送至所述基金会计终端执行提交操作。
在这里，基金会计终端根据所述托管户划款指示信息的制作消息，输出托管户划款指示信息的录入界面，以引导基金会计非标清算岗审批财务数据，根据划款类型录入收款账户、收款账号、收款开户行、划款金额、大写支付行号、用途等清算资料，批量制作划款指令。所述划款类型包括但不限于管理费、托管费、委托人收益。
后台服务器可以获取基金会计非标清算岗根据制作消息录入的清算资料，并根据清算资料批量导出托管户划款指示信息，将托管户划款指示信息发送至基金会计非标清算岗执行确认及提交操作。可选地，所述托管户划款指示信息可以通过PDF文档展示，每一个划款类型对应一个托管户划款指示信息的PDF文档。
步骤S105，当获取到所述基金会计终端发送的所述托管户划款指示信息的提交指令时，将所述托管户划款指示信息提交至托管行以完成支付，并获取所述基金会计终端发送的产品清算报告。
在本申请的一个实施例中，托管户划款指示信息包括但不限于：产品全称、资产代码、编号、托管银行、到账时间、收款人、收款开户行、账号、支付系统号、付款人、付款开户行、付款账号、划款金额、资金用途、备注。
后台服务器通过将托管户划款指示信息发送至基金会计终端，使得基金会计终端向基金会计非标清算岗展示步骤S104根据清算资料制作的导出指令，即托管户划款指示信息，引导基金会计非标清算岗执行提交操作。
当接收到提交指令时，后台服务器将所述托管户划款指示信息提交至托管行，以指示托管行根据所述托管户划款指示信息执行复核、支付操作。在支付完成后，基金会计非标清算岗可以在所述基金会计终端上确认线下支付费用结果，录入清算报告。然后录入所有费用最后一期费用的实付记录，包括录入实付日期、实付金额。后台服务器接收基金会计终端返回的产品清算报告存档，从而完成对待清算产品的一次清算。
在所述产品清算报告中，部分要素从后台服务器中自动提取，部分要素则由基金会计非标清算岗录入，比如实付日期、实付金额等。清算报告模板包括清算情况。清算情况可以包括资产和负债。资产可以包括银行存款金额、应收银行存款利息。负债可以包括应付管理费、应付托管费、应付委托人款项、应付业绩报酬。清算包括还可以包括清算后剩余资产、资产托管人。后台服务器还可以根据基金会计终端发送的清算报告导出指令，按照预设的清算报 告模板生成word格式的清算报告，并导出该清算报告。
本申请实施例通过向业务终端发送产品清单，获取业务终端上传的待清算产品的付款通知书；然后向投后管理终端发送付款通知书和清算提醒信息，以使投后管理岗根据付款通知书确认待清算产品是否正常清算；当获取到投后管理终端发送的清算产品为正常清算的确认指令时，则根据确认指令向基金会计终端发送托管户划款指示信息的制作消息；获取基金会计终端根据制作消息返回的清算资料，根据清算资料批量导出托管户划款指示信息并发送至基金会计终端执行提交操作；当获取到基金会计终端发送的托管户划款指示信息的确认指令时，将托管户划款指示信息提交至托管行以完成支付，并获取基金会计终端发送的产品清算报告；使得业务经理、投后管理岗、基金会计非标清算岗按照后台服务器发送的指示信息执行操作即可完成产品清算，实现了在线的产品清算方式，提高了产品清算的自动化程度及效率。
进一步地，基于图1提供的产品清算的方法的第一实现流程的基础上，提出本申请实施例提供的产品清算的方法的第二实现流程。
如图2所示，是本申请实施例提供的产品清算的方法的第二实现流程示意图。在本申请实施例中，所述方法包括：
步骤S201，向业务终端发送待清算的产品清单，获取所述业务终端根据所述产品清单返回的待清算产品的付款通知书。
步骤S202，向投后管理终端发送所述付款通知书，基于所述付款通知书完成所述待清算产品是否正常清算的确认操作。
步骤S203，当获取到所述投后管理终端发送的所述待清算产品为正常清算的确认指令时，根据所述确认指令向基金会计终端发送制作托管户划款指示信息的制作消息。
步骤S204，获取所述基金会计终端根据所述制作消息返回的清算资料，根据所述清算资料批量导出托管户划款指示信息。
其中，步骤S201至步骤S204与图1实施例中所述的步骤S101至步骤S104相同，具体请参见上述实施例的叙述，此处不再赘述。所述方法还包括：
步骤S205，将所述托管户划款指示信息发送至所述业务终端，执行对托管户划款指示信息的核对操作。
在这里，托管户划款指示信息提交给后台服务器，后台服务器可以向业务经理发送托管户划款指示信息，以提示业务经理执行托管户划款指示信息的一次核对操作。在所述业务终端上，业务经理可以对核对界面上的信息和附件的托管户划款指示信息进行审核确认。
可选地，该核对界面上还提供了“下载”“复核通过”“退回”功能标识。“下载”功能标识表示批量下载附件，如下载产品付款通知书等。“复核通过”功能标识表示输入意见，点击该功能标识，默认意见为同意，也可以输入具体的意见，点击保存完成复核，流程进入到步骤S206投后管理岗核对托管户划款指示信息。“退回”功能标识表示在对合同信息复核不通过时输入意见，点击该功能标识可输入具体的不同意意见并保存，也可以默认直接点击保存，默认意见为不同意，流程退回到步骤S204。
步骤S206，在完成核对操作后，将所述托管户划款指示信息发送至所述投后管理终端，执行对托管户划款指示信息的复核操作。
在本申请实施例中，后台服务器还可以向投后管理终端发送托管户划款指示信息，以提示投后管理岗对托管户划款指示信息的二次核对操作。其中，在所述投后管理终端上，投后管理岗可以批量下载附件，对复核界面上的信息和附件的托管户划款指示信息进行复核确 认。复核界面上及其上的托管户划款指示信息等的显示同步骤S205，在此不再详细叙述。复核通过时进入步骤S207，复核不通过时退回至步骤S204。
本申请实施例通过将托管户划款指示信息发送至业务经理和投后管理岗执行审核操作，进一步保证了托管户划款指示信息的准确度，提高划款准确性，有利于杜绝非法操作。
步骤S207，将所述托管户划款指示信息发送至所述基金会计终端进行提交操作。
步骤S208，当获取到所述基金会计终端发送的所述托管户划款指示信息的提交指令时，将所述托管户划款指示信息提交至托管行以完成支付，并获取所述基金会计终端发送的产品清算报告。
在这里，步骤S207至步骤S208与图1实施例中所述的步骤S104至步骤是105相同，具体请参见上述实施例的叙述，此处不再赘述。
上述实施例涉及的是首次清算，实现了对非标专户产品的在线清算。基于图1提供的产品清算的方法的第一实现流程的基础上，提出本申请实施例提供的产品清算的方法的第三实现流程，实现对非标专户产品的在线清算和在线销户。下面将结合图3的第三实施例详细说明产品清算的示意性流程图。
步骤S301至步骤S305，其中，步骤S301至步骤S305与图1实施例中所述的步骤S101至步骤S105相同，具体请参见上述实施例的叙述，此处不再赘述。
所述产品清算的方法还包括：
步骤S306，接收业务终端发送的销户申请。
业务经理可以从后台服务器上查看清算报告后，基于该清算报告发起销户申请，对列表界面中已经完成清算的账户信息进行注销。后台服务器接收业务经理根据清算报告发起的销户申请。
步骤S307，将所述销户申请发送至账户组终端，获取所述账户组终端根据所述销户申请返回的委贷户余额。
在这里，所述账户组终端为账户组操作的终端设备。账户组可以从银行查询委贷户余额并在账户组终端上录入委贷户余额一项，委贷户即委托贷款账户的缩写。
可选地，账户组录入委贷户余额的界面可以通过“保存”“提交”功能标识进行控制。“保存”功能标识表示暂时保存但不提交界面信息。“提交”表示完成录入并将界面信息提交至后台服务器。后台服务器判断委贷户余额是否为0。如果委贷户余额不为0，流程进行到步骤S308；如果委贷户余额为0，流程进行到步骤S311。步骤S308，若所述委贷户余额不为0时，向业务终端发送委贷户余额划款指示信息的制作消息，并获取所述业务终端根据所述制作消息返回的委贷户信息。
当账户组确定委贷户余额不为0时，本申请实施例通过向业务终端发送委贷户余额划款指示信息的制作消息，使得业务经理根据所述制作消息录入委贷户信息，以制作委贷户余额划款指令，完成对委贷户的清算。其中，委贷户信息录入界面上包括但不限于委贷户账户信息、托管户账户信息、划款金额、划款时间、备注。所述委贷户账户信息为划出账户，所述托管户账户信息为划入账户，所述委贷户账户信息和托管户账户信息均包括户名、账号、开户行。
步骤S309，根据所述委贷户信息生成委贷户余额划款指示信息，并将所述委贷户余额划款指示信息发送至基金会计终端。
可选地，上述委贷户信息录入界面上包括委贷户余额划款指令的导出功能标识。当业务经理在业务终端上完成录入委贷户信息后，触发所述导出功能标识时，后台服务器将所述委 贷户信息按照委贷户余额划款指示信息模板导出，生成指令文档，所述指令文档可以Excel格式。
其中，所述委贷户余额划款指示信息模板中包括但不限于委贷户信息-划出账户、委贷户信息-划入账户、划款金额和划款时间。所述划出账户可以包括对应的户名、开户行、账号。划入账户也可以包括对应的户名、开户行、账号。可选地，后台服务器还可以将所述委贷户余额划款指示信息发送至投后管理岗提交估计方案(Estimate Of Alternatives，EOA)审批签报和发送大额核实人。
可选地，上述委贷户信息录入界面上还包括提交功能标识。当用业务经理在业务终端上触发所述提交功能标识时，后台服务器将所述委贷户余额划款指示信息发送至基金会计终端，以指示基金会计非标清算岗执行确认及提交操作。
步骤S310，当获取到所述基金会计终端发送的所述委贷户余额划款指示信息的提交指令时，将委贷户余额划转到托管户。
当获取到基金会计非标清算岗对委贷户余额划款指示信息的提交指令时，后台服务器执行委贷户余额划款操作，将委贷户余额划转到托管户，并可以邮件通知相关处理人划款已完成。至此，委贷户余额清零，后台服务器更新委贷户余额值，执行步骤S311。
步骤S311，若所述委贷户余额为0，向基金会计终端发送托管户余额划款指示信息的制作消息，并获取所述基金会计终端根据所述制作消息返回的托管户信息。
当账户组确定委贷户余额为0时或者委贷户余额清零后，后台服务器向基金会计非标清算岗发送托管户余额划款指示信息的制作消息，以使得基金会计非标清算岗根据制作消息录入托管户信息，包括录入托管户余额、余额归属人、付款账户、收款账户。后台服务器获取所述托管户信息，判断托管户信息中的托管户余额是否为0。若不为零，表示要进行二次清算，执行步骤S312；若托管户余额为0，表示无需进行二次清算，执行步骤S317，完成账户销户，结束清算流程。
步骤S312，若所述托管户信息中的托管户余额不为0，根据所述托管户信息生成托管户余额划款指示信息。
在这里，所述托管户余额划款指示信息为托管户余额划款指令，采用PDF文档格式。所述托管户余额划款指示信息中记录了包括但不限于托管户账户余额、余额归属人、待划款的产品全称、主TA代码、指令编码、指令日期、到账日期、付款账户、收款账户、划款金额、托管行、用途、备注以及附件，所述附件中包括但不限于付款通知书、TA分清算表。
步骤S313，将所述托管户余额划款指示信息发送至所述业务终端，执行对所述托管户余额划款指示信息的核对操作。
在本申请实施例中，所述托管户划款指示信息会发送给业务经理，由业务经理执行第一次审批操作。所述审批结果包括核对通过和退回。业务经理可以在所述业务终端上审核所述托管户余额划款指示信息。若认可所述托管户余额划款操作时，业务经理可以触发核对通过功能标识输入核对通过指令，后台服务器根据所述核对通过指令保存所述托管户余额划款指示信息，并进入步骤S314。若不认可所述托管户余额划款操作时，业务经理可以触发退回功能标识输入退回指令，后台服务器根据所述退回指令获取并保存具体的不同意意见，执行退回操作，返回步骤S312。
步骤S314，在完成核对操作后，将所述托管户余额划款指示信息发送至所述投后管理终端，执行对所述托管户余额划款指示信息的复核操作。
在本申请实施例中，所述托管户划款指示信息还会发送给投后管理岗，由投后管理岗进行第二次审批操作。同样的，所述审批结果包括核对通过和退回。投后管理岗可以在所述投 后管理终端上审核所述托管户余额划款指示信息。若认可所述托管户余额划款操作时，投后管理岗可以触发核对通过功能标识输入核对通过指令，后台服务器根据所述核对通过指令保存所述托管户余额划款指示信息，并进入步骤S315。若不认可所述托管户余额划款操作时，投后管理岗可以触发退回功能标识输入退回指令，后台服务器根据所述退回指令获取并保存具体的不同意意见，执行退回操作，返回步骤S312。
步骤S315，在完成复核操作后，将所述托管户余额划款指示信息发送至基金会计终端。
在这里，在投后管理岗完成第二次审批操作后，所述托管户划款指示信息发送给基金会计非标清算岗，由基金会计非标清算岗执行最后的确认及提交。若接收到基金会计非标清算岗输入的提交指令时，跳转至步骤S316，若接收到基金会计非标清算岗输入的退回指令时，跳转至步骤S311，向基金会计终端发送重录入指示信息，以提示基金会计非标清算岗重新录入托管户信息。
步骤S316，当获取到所述基金会计终端发送的所述托管户余额划款指示信息的提交指令时，将托管户余额划转至余额归属人。
在接收到提交指令后，后台服务器从所述托管户余额划款指示信息中获取的托管户账户余额和余额归属人，将托管户余额划转至所述余额归属人，完成托管户余额清零，并更新托管户余额值为0。
步骤S317，获取销户凭证，根据所述销户凭证执行销户与清算操作。
在这里，若托管户余额为0时，后台服务器向账户组终端发送销户指令，以指示账户组根据所述销户指令上传所有账户的销户凭证。可选地，所述账户包括但不限于银行账户、股东代码卡账户、基金直纳账户、银行间账户、证券资金账户、期货计算账户、期货账户。后台服务器获取所述销户凭证，并对所述销户凭证对应的账户执行销户操作，结束产品清算过程，从而完成在线的二次清算过程。
综上所述，本申请实施例通过后台服务器联接业务终端、投后管理终端、基金会计终端，按照预定的销户流程向业务经理、投后管理岗、基金会计非标清算岗发送操作指示信息，使得业务经理、投后管理岗、基金会计非标清算岗按照所述指示信息执行操作即可完成销户，实现了线上的二次清算方式，规范了产品清算流程，提高了产品清算的自动化程度及效率。
实施例2
上面结合图1至图3详细说明了根据本申请实施例的产品清算的方法，下面结合图4说明根据本申请一个实施例的产品清算的装置。
图4为根据本申请一个实施例中的产品清算的装置的结构框图。可选地，所述装置可以是内置于服务器的软件单元、硬件单元或者软硬件结合的单元，能够与多个终端通信交互。所述多个终端包括但不限于业务终端、投后管理终端、基金会计终端、账户组终端。
参阅图4，所述产品清算的装置包括：
清算启动模块41，用于向业务终端发送待清算的产品清单，获取所述业务终端根据所述产品清单返回的待清算产品的付款通知书；
清算确认模块42，用于向投后管理终端发送所述付款通知书，基于所述付款通知书完成所述待清算产品是否正常清算的确认操作；
第一制作指示模块43，用于当获取到所述投后管理终端发送的所述待清算产品为正常清算的确认指令时，根据所述确认指令向基金会计终端发送托管户划款指示信息的制作消息；
导出模块44，用于获取所述基金会计终端根据所述制作消息返回的清算资料，根据所述清算资料批量导出托管户划款指示信息，将所述托管户划款指示信息发送至所述基金会计终 端执行提交操作；
第一清算模块45，用于当获取到所述基金会计终端发送的所述托管户划款指示信息的提交指令时，将所述托管户划款指示信息提交至托管行以完成支付，并获取所述基金会计终端发送的产品清算报告。
在这里，本申请实施例通过上述清算启动模块41启动清算流程、清算确认模块42确认清算状态、第一制作指示模块43指示制作指令、导出模块44导出指令、第一清算模块45执行支付，使得业务经理、投后管理岗、基金会计非标清算岗按照后台服务器发送的指示信息执行操作即可完成产品清算，实现了在线的产品清算方式，提高了产品清算的自动化程度及效率。
可选地，在将所述托管户划款指示信息发送至基金会计终端执行提交操作之前，所述装置还包括：
第一核对模块46，用于将所述托管户划款指示信息发送至所述业务终端，执行对所述托管户划款指示信息的核对操作；
第一复核模块47，用于在完成核对操作后，将所述托管户划款指示信息发送至所述投后管理终端，执行对所述托管户划款指示信息的复核操作。
可选地，所述托管户划款指示信息包括下列信息中的至少一种：
产品全称、资产代码、编号、托管银行、到账时间、收款人、收款开户行、账号、支付系统号、付款人、付款开户行、付款账号、划款金额、资金用途、备注。
本申请实施例通过将托管户划款指示信息发送至业务经理和投后管理岗执行审核操作，进一步保证了托管户划款指示信息的准确度，提高划款准确性，有利于杜绝非法操作。
可选地，所述装置还包括：
接收模块48，用于接收所述业务终端发送的销户申请；
获取模块49，用于将所述销户申请发送至账户组终端，获取所述账户组终端根据所述销户申请返回的委贷户余额；
第二制作指示模块410，用于若所述委贷户余额为0时，向基金会计终端发送托管户余额划款指示信息的制作消息，并获取所述基金会计终端根据所述制作消息返回的托管户信息；
第二清算模块411，用于若所述托管户信息中的托管户余额为0时，获取销户凭证，根据所述销户凭证执行销户与清算操作。
可选地，所述装置还包括：
第三制作指示模块412，用于若所述委贷户余额不为0时，向业务终端发送委贷户余额划款指示信息的制作消息，并获取所述业务终端根据所述制作消息返回的委贷户信息；
第一提交模块413，用于根据所述委贷户信息生成委贷户余额划款指示信息，并将所述委贷户余额划款指示信息发送至基金会计终端；
第一划款模块414，用于当获取到所述基金会计终端发送的所述委贷户余额划款指示信息的提交指令时，将委贷户余额划转到托管户。
可选地，所述装置还包括：
生成模块415，用于若所述托管户信息中的托管户余额不为0时，根据所述托管户信息生成托管户余额划款指示信息；
第二核对模块416，用于将所述委贷户余额划款指示信息发送至所述业务终端，执行对所述托管户余额划款指示信息的核对操作；
第二复核模块417，用于在完成核对操作后，将所述委贷户余额划款指示信息发送至所 述投后管理终端，执行对所述托管户余额划款指示信息的复核操作；
第二提交模块418，用于在完成复核操作后，将所述托管户余额划款指示信息发送至基金会计终端；
第二划款模块419，用于当获取到所述基金会计终端发送的所述托管户余额划款指示信息的提交指令时，将托管户余额划转至余额归属人。
综上所述，本申请实施例通过后台服务器联接业务终端、投后管理终端、基金会计终端，按照预定的销户流程向业务经理、投后管理岗、基金会计非标清算岗发送操作指示信息，使得业务经理、投后管理岗、基金会计非标清算岗按照所述指示信息执行操作即可完成销户，实现了线上的二次清算方式，规范了产品清算流程，提高了产品清算的自动化程度及效率。
需要说明的是，本申请实施例中的各模块/单元可以用于实现上述方法实施例中的全部技术方案，其具体工作过程，可以参考前述方法实施例中的对应过程，在此不再赘述。
在上述实施例中，对各个实施例的描述都各有侧重，某个实施例中没有详述或记载的部分，可以参见其它实施例的相关描述。
实施例3
在本申请的另一实施例中，提供一个或多个存储有计算机可读指令的非易失性可读存储介质。该一个或多个存储有计算机可读指令的非易失性可读存储介质，计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行实施例1中所述的产品清算的方法，为避免重复，这里不再赘述。或者，该计算机可读指令被处理器执行时实现实施例2中所述的产品清算的装置中各模块/单元的功能，为避免重复，这里不再赘述。
可以理解地，一个或多个存储有计算机可读指令的非易失性可读存储介质可以包括：能够携带所述计算机可读指令的任何实体或装置、记录介质、U盘、移动硬盘、磁碟、光盘、计算机存储器、只读存储器(ROM，Read-Only Memory)、随机存取存储器(RAM，Random Access Memory)、电载波信号和电信信号等。
实施例4
图5是本申请实施例提供的一种终端的示意图。所述终端包括但不限于服务器、移动终端。如图5所示，该实施例的终端2包括：处理器20、存储器21以及存储在所述存储器21中并可在所述处理器20上运行的计算机可读指令22。所述处理器20执行所述计算机可读指令22时实现上述图1或图3所述的产品清算的方法实施例中的步骤，例如图1所示的步骤S101至S105、图2实施例中所述的步骤S201至S208、图3实施例中所述的步骤S301至S317；或者，所述处理器20执行所述计算机可读指令22时实现上述产品清算的装置实施例中各模块/单元的功能，例如图4所示模块41至419的功能。
所称处理器20可以是中央处理单元(Central Processing Unit，CPU)，还可以是其他通用处理器、数字信号处理器(Digital Signal Processor，DSP)、专用集成电路(Application Specific Integrated Circuit，ASIC)、现场可编程门阵列(Field-Programmable Gate Array，FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件等。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等，所述处理器是所述终端的控制中心，利用各种接口和线路连接整个终端的各个部分。
所述存储器21可用于存储所述计算机可读指令和/或模块，所述处理器通过运行或执行存储在所述存储器内的计算机可读指令和/或模块，以及调用存储在存储器内的数据，实现所述终端的各种功能。所述存储器可主要包括存储程序区和存储数据区，其中，存储程序区 可存储操作系统、至少一个功能所需的应用程序(比如声音播放功能、图像播放功能等)等；存储数据区可存储根据终端的使用所创建的数据等。此外，存储器可以包括高速随机存取存储器，还可以包括非易失性存储器，例如硬盘、内存、插接式硬盘、智能存储卡(Smart Media Card，SMC)、安全数字卡(Secure Digital，SD)、闪存卡(Flash Card)，至少一个磁盘存储器件、闪存器件或其他易失性固态存储器件。
另外，在本申请各个实施例中的各功能单元可以集成在一个处理单元中，也可以是各个单元单独物理存在，也可以两个或两个以上单元集成在一个单元中。
尽管上面已经示出和描述了本申请的实施例，可以理解的是，上述实施例是示例性的，不能理解为对本申请的限制，本领域的普通技术人员在本申请的范围内可以对上述实施例进行变化、修改、替换和变型。

Claims (20)

  1. 一种产品清算的方法，其特征在于，所述方法包括：
    向业务终端发送待清算的产品清单，获取所述业务终端根据所述产品清单返回的待清算产品的付款通知书；
    向投后管理终端发送所述付款通知书，基于所述付款通知书完成所述待清算产品是否正常清算的确认操作；
    当获取到所述投后管理终端发送的所述待清算产品为正常清算的确认指令时，根据所述确认指令向基金会计终端发送托管户划款指示信息的制作消息；
    获取所述基金会计终端根据所述制作消息返回的清算资料，根据所述清算资料批量导出托管户划款指示信息，将所述托管户划款指示信息发送至所述基金会计终端执行提交操作；
    当获取到所述基金会计终端发送的所述托管户划款指示信息的提交指令时，将所述托管户划款指示信息提交至托管行以完成支付，并获取所述基金会计终端发送的产品清算报告。
  2. 如权利要求1所述的方法，其特征在于，在将所述托管户划款指示信息发送至基金会计终端执行提交操作之前，所述方法还包括：
    将所述托管户划款指示信息发送至所述业务终端，执行对所述托管户划款指示信息的核对操作；
    在完成核对操作后，将所述托管户划款指示信息发送至所述投后管理终端，执行对所述托管户划款指示信息的复核操作。
  3. 如权利要求1所述的方法，其特征在于，所述托管户划款指示信息包括下列信息中的至少一种：
    产品全称、资产代码、编号、托管银行、到账时间、收款人、收款开户行、账号、支付系统号、付款人、付款开户行、付款账号、划款金额、资金用途、备注。
  4. 如权利要求1至3任一项所述的方法，其特征在于，所述方法还包括：
    接收所述业务终端发送的销户申请；
    将所述销户申请发送至账户组终端，获取所述账户组终端根据所述销户申请返回的委贷户余额；
    若所述委贷户余额为0时，向基金会计终端发送托管户余额划款指示信息的制作消息，并获取所述基金会计终端根据所述制作消息返回的托管户信息；
    若所述托管户信息中的托管户余额为0时，获取销户凭证，根据所述销户凭证执行销户与清算操作。
  5. 如权利要求4所述的方法，其特征在于，所述方法还包括：
    若所述委贷户余额不为0时，向业务终端发送委贷户余额划款指示信息的制作消息，并获取所述业务终端根据所述制作消息返回的委贷户信息；
    根据所述委贷户信息生成委贷户余额划款指示信息，并将所述委贷户余额划款指示信息发送至基金会计终端；
    当获取到所述基金会计终端发送的所述委贷户余额划款指示信息的提交指令时，将委贷户余额划转到托管户。
  6. 如权利要求4所述的方法，其特征在于，若所述托管户信息中的托管户余额不为0时，所述方法还包括：
    根据所述托管户信息生成托管户余额划款指示信息；
    将所述委贷户余额划款指示信息发送至所述业务终端，执行对所述托管户余额划款指示信息的核对操作；
    在完成核对操作后，将所述委贷户余额划款指示信息发送至所述投后管理终端，执行对所述托管户余额划款指示信息的复核操作；
    在完成复核操作后，将所述托管户余额划款指示信息发送至基金会计终端；
    当获取到所述基金会计终端发送的所述托管户余额划款指示信息的提交指令时，将托管户余额划转至余额归属人。
  7. 一种产品清算的装置，其特征在于，所述装置包括：
    清算启动模块，用于向业务终端发送待清算的产品清单，获取所述业务终端根据所述产品清单返回的待清算产品的付款通知书；
    清算确认模块，用于向投后管理终端发送所述付款通知书，基于所述付款通知书完成所述待清算产品是否正常清算的确认操作；
    第一制作指示模块，用于当获取到所述投后管理终端发送的所述待清算产品为正常清算的确认指令时，根据所述确认指令向基金会计终端发送托管户划款指示信息的制作消息；
    导出模块，用于获取所述基金会计终端根据所述制作消息返回的清算资料，根据所述清算资料批量导出托管户划款指示信息，将所述托管户划款指示信息发送至所述基金会计终端执行提交操作；
    第一清算模块，用于当获取到所述基金会计终端发送的所述托管户划款指示信息的提交指令时，将所述托管户划款指示信息提交至托管行以完成支付，并获取所述基金会计终端发送的产品清算报告。
  8. 如权利要求7所述的装置，其特征在于，所述装置还包括：
    接收模块，用于接收所述业务终端发送的销户申请；
    获取模块，用于将所述销户申请发送至账户组终端，获取所述账户组终端根据所述销户申请返回的委贷户余额；
    第二制作指示模块，用于若所述委贷户余额为0时，向基金会计终端发送托管户余额划款指示信息的制作消息，并获取所述基金会计终端根据所述制作消息返回的托管户信息；
    第二清算模块，用于若所述托管户信息中的托管户余额为0时，获取销户凭证，根据所述销户凭证执行销户与清算操作。
  9. 一个或多个存储有计算机可读指令的非易失性可读存储介质，其特征在于，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行如下步骤：
    向业务终端发送待清算的产品清单，获取所述业务终端根据所述产品清单返回的待清算产品的付款通知书；
    向投后管理终端发送所述付款通知书，基于所述付款通知书完成所述待清算产品是否正常清算的确认操作；
    当获取到所述投后管理终端发送的所述待清算产品为正常清算的确认指令时，根据所述确认指令向基金会计终端发送托管户划款指示信息的制作消息；
    获取所述基金会计终端根据所述制作消息返回的清算资料，根据所述清算资料批量导出托管户划款指示信息，将所述托管户划款指示信息发送至所述基金会计终端执行提交操作；
    当获取到所述基金会计终端发送的所述托管户划款指示信息的提交指令时，将所述托管户划款指示信息提交至托管行以完成支付，并获取所述基金会计终端发送的产品清算报 告。
  10. 如权利要求9所述的非易失性可读存储介质，其特征在于，在将所述托管户划款指示信息发送至基金会计终端执行提交操作之前，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器还执行如下步骤：
    将所述托管户划款指示信息发送至所述业务终端，执行对所述托管户划款指示信息的核对操作；
    在完成核对操作后，将所述托管户划款指示信息发送至所述投后管理终端，执行对所述托管户划款指示信息的复核操作。
  11. 如权利要求9所述的非易失性可读存储介质，其特征在于，所述托管户划款指示信息包括下列信息中的至少一种：
    产品全称、资产代码、编号、托管银行、到账时间、收款人、收款开户行、账号、支付系统号、付款人、付款开户行、付款账号、划款金额、资金用途、备注。
  12. 如权利要求9至11任一项所述的非易失性可读存储介质，其特征在于，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器还执行如下步骤：
    接收所述业务终端发送的销户申请；
    将所述销户申请发送至账户组终端，获取所述账户组终端根据所述销户申请返回的委贷户余额；
    若所述委贷户余额为0时，向基金会计终端发送托管户余额划款指示信息的制作消息，并获取所述基金会计终端根据所述制作消息返回的托管户信息；
    若所述托管户信息中的托管户余额为0时，获取销户凭证，根据所述销户凭证执行销户与清算操作。
  13. 如权利要求12所述的非易失性可读存储介质，其特征在于，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器还执行如下步骤：
    若所述委贷户余额不为0时，向业务终端发送委贷户余额划款指示信息的制作消息，并获取所述业务终端根据所述制作消息返回的委贷户信息；
    根据所述委贷户信息生成委贷户余额划款指示信息，并将所述委贷户余额划款指示信息发送至基金会计终端；
    当获取到所述基金会计终端发送的所述委贷户余额划款指示信息的提交指令时，将委贷户余额划转到托管户。
  14. 如权利要求12所述的非易失性可读存储介质，其特征在于，若所述托管户信息中的托管户余额不为0时，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器还执行如下步骤：
    根据所述托管户信息生成托管户余额划款指示信息；
    将所述委贷户余额划款指示信息发送至所述业务终端，执行对所述托管户余额划款指示信息的核对操作；
    在完成核对操作后，将所述委贷户余额划款指示信息发送至所述投后管理终端，执行对所述托管户余额划款指示信息的复核操作；
    在完成复核操作后，将所述托管户余额划款指示信息发送至基金会计终端；
    当获取到所述基金会计终端发送的所述托管户余额划款指示信息的提交指令时，将托管户余额划转至余额归属人。
  15. 一种终端，所述终端包括存储器、处理器及存储在存储器上并能在处理器上运行的计算机可读指令，其特征在于，所述处理器执行所述计算机可读指令时实现如下步骤：
    向业务终端发送待清算的产品清单，获取所述业务终端根据所述产品清单返回的待清算产品的付款通知书；
    向投后管理终端发送所述付款通知书，基于所述付款通知书完成所述待清算产品是否正常清算的确认操作；
    当获取到所述投后管理终端发送的所述待清算产品为正常清算的确认指令时，根据所述确认指令向基金会计终端发送托管户划款指示信息的制作消息；
    获取所述基金会计终端根据所述制作消息返回的清算资料，根据所述清算资料批量导出托管户划款指示信息，将所述托管户划款指示信息发送至所述基金会计终端执行提交操作；
    当获取到所述基金会计终端发送的所述托管户划款指示信息的提交指令时，将所述托管户划款指示信息提交至托管行以完成支付，并获取所述基金会计终端发送的产品清算报告。
  16. 如权利要求15所述的终端，其特征在于，在将所述托管户划款指示信息发送至基金会计终端执行提交操作之前，所述处理器执行所述计算机可读指令时还实现如下步骤：
    将所述托管户划款指示信息发送至所述业务终端，执行对所述托管户划款指示信息的核对操作；
    在完成核对操作后，将所述托管户划款指示信息发送至所述投后管理终端，执行对所述托管户划款指示信息的复核操作。
  17. 如权利要求15所述的终端，其特征在于，所述托管户划款指示信息包括下列信息中的至少一种：
    产品全称、资产代码、编号、托管银行、到账时间、收款人、收款开户行、账号、支付系统号、付款人、付款开户行、付款账号、划款金额、资金用途、备注。
  18. 如权利要求15至17任一项所述的终端，其特征在于，所述处理器执行所述计算机可读指令时还实现如下步骤：
    接收所述业务终端发送的销户申请；
    将所述销户申请发送至账户组终端，获取所述账户组终端根据所述销户申请返回的委贷户余额；
    若所述委贷户余额为0时，向基金会计终端发送托管户余额划款指示信息的制作消息，并获取所述基金会计终端根据所述制作消息返回的托管户信息；
    若所述托管户信息中的托管户余额为0时，获取销户凭证，根据所述销户凭证执行销户与清算操作。
  19. 如权利要求18所述的终端，其特征在于，所述处理器执行所述计算机可读指令时还实现如下步骤：
    若所述委贷户余额不为0时，向业务终端发送委贷户余额划款指示信息的制作消息，并获取所述业务终端根据所述制作消息返回的委贷户信息；
    根据所述委贷户信息生成委贷户余额划款指示信息，并将所述委贷户余额划款指示信息发送至基金会计终端；
    当获取到所述基金会计终端发送的所述委贷户余额划款指示信息的提交指令时，将委贷户余额划转到托管户。
  20. 如权利要求18所述的终端，其特征在于，若所述托管户信息中的托管户余额不为0时，所述处理器执行所述计算机可读指令时还实现如下步骤：
    根据所述托管户信息生成托管户余额划款指示信息；
    将所述委贷户余额划款指示信息发送至所述业务终端，执行对所述托管户余额划款指示信息的核对操作；
    在完成核对操作后，将所述委贷户余额划款指示信息发送至所述投后管理终端，执行对所述托管户余额划款指示信息的复核操作；
    在完成复核操作后，将所述托管户余额划款指示信息发送至基金会计终端；
    当获取到所述基金会计终端发送的所述托管户余额划款指示信息的提交指令时，将托管户余额划转至余额归属人。
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