WO2019205372A1 - 电子装置、资金异常问题处理的方法及存储介质 - Google Patents

电子装置、资金异常问题处理的方法及存储介质 Download PDF

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Publication number
WO2019205372A1
WO2019205372A1 PCT/CN2018/102099 CN2018102099W WO2019205372A1 WO 2019205372 A1 WO2019205372 A1 WO 2019205372A1 CN 2018102099 W CN2018102099 W CN 2018102099W WO 2019205372 A1 WO2019205372 A1 WO 2019205372A1
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processing
priority
abnormal problem
abnormal
type
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PCT/CN2018/102099
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English (en)
French (fr)
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阴旭
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平安科技（深圳）有限公司
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting
    • G06Q40/125—Finance or payroll
    • 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
    • G06Q40/08—Insurance

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  • the present application relates to the field of financial technology, and in particular, to an electronic device, a method for processing an abnormality of funds, and a storage medium.
  • the liquidation and reconciliation of insurance funds mainly adopts online payment methods such as bank bulk transfer.
  • the fund group members of the financial center often find some abnormal problems in the process of clearing and reconciliation, such as : Similar problems such as repeated delivery and abnormal delivery, and unclear funds pending verification when the return is checked. The impact degree and urgency of each problem are different.
  • the members of the fund group will report these problems to the processing group through the problem escalation system.
  • the traditional scheme is to determine the processing period according to the urgency and problem reporting time selected by the user. Because the number of such problems reported is very large, the traditional scheme It is easy to cause major problems to be delayed or omitted, resulting in irreparable damage.
  • the purpose of the present application is to provide an electronic device, a method for processing an abnormality of funds, and a storage medium, which are intended to avoid delaying processing or omission of major abnormal problems in the liquidation and verification process of funds.
  • the present application provides an electronic device including a memory and a processor coupled to the memory, the memory storing a processing system operable on the processor, the processing The system implements the following steps when executed by the processor:
  • the first determining step determines the type of the problem to which the abnormal problem belongs and the total amount involved in the abnormal problem after receiving the abnormality problem in the liquidation and payment clearing and verification process, the problem type includes the payment type and the non-payment type Type of payment;
  • a calculating step of obtaining a blending parameter corresponding to the type of the problem calculating a processing period T of the abnormal problem according to the processing time, the blending parameter, and the total amount involved in the abnormal problem, and sorting the abnormal problems according to the processing period T For processing by the processing staff.
  • the present application further provides a method for processing a fund abnormality problem, and the method for processing the fund abnormality problem includes:
  • the type of the problem includes the type of payment and the type of non-payment ;
  • S2 Determine a processing priority of the abnormality problem based on a predetermined problem type, a total amount involved in the abnormal problem, and a processing priority, and determine the abnormality based on a predetermined relationship between the processing priority and the processing time. Timeliness of the problem;
  • the present application also provides a computer readable storage medium having stored thereon a processing system, the processing system being executed by a processor to implement the steps of the method for processing the capital abnormality problem described above.
  • the beneficial effects of the present application are: in the actual application scenario of the clearing and returning check, if the abnormal problem occurs, first determine the type of the problem to which the abnormal problem belongs and the total amount involved in the abnormal problem, and then according to the type of the problem.
  • the total amount involved in the abnormal problem determines the processing priority of the abnormal problem, and the processing time corresponding to the processing priority, and the processing related to the problem type of the abnormal problem and the total amount involved is calculated on the basis of the processing time limit.
  • the term T is finally comprehensively sorted according to the processing period T. When the number of reported abnormal problems is large, the processing is performed in order, which can avoid delays or omissions of major problems and reduce losses.
  • FIG. 1 is a schematic diagram of a hardware architecture of an embodiment of an electronic device according to the present application.
  • FIG. 2 is a schematic flowchart diagram of an embodiment of a method for processing an abnormality problem of funds in the present application.
  • the electronic device 1 is a schematic diagram of a hardware architecture of an embodiment of an electronic device of the present application.
  • the electronic device 1 is an apparatus capable of automatically performing numerical calculation and/or information processing in accordance with an instruction set or stored in advance.
  • the electronic device 1 may be a computer, a single network server, a server group composed of multiple network servers, or a cloud-based cloud composed of a large number of hosts or network servers, where cloud computing is a type of distributed computing.
  • a super virtual computer consisting of a group of loosely coupled computers.
  • the electronic device 1 may include, but is not limited to, a memory 11 communicably connected to each other through a system bus, a processor 12, and a network interface 13, and the memory 11 stores a processing system operable on the processor 12. It should be noted that FIG. 1 only shows the electronic device 1 having the components 11-13, but it should be understood that not all illustrated components are required to be implemented, and more or fewer components may be implemented instead.
  • the memory 11 includes a memory and at least one type of readable storage medium.
  • the memory provides a cache for the operation of the electronic device 1;
  • the readable storage medium may be, for example, a flash memory, a hard disk, a multimedia card, a card type memory (eg, SD or DX memory, etc.), a random access memory (RAM), a static random access memory (SRAM).
  • a non-volatile storage medium such as a read only memory (ROM), an electrically erasable programmable read only memory (EEPROM), a programmable read only memory (PROM), a magnetic memory, a magnetic disk, an optical disk, or the like.
  • the readable storage medium may be an internal storage unit of the electronic device 1, such as a hard disk of the electronic device 1; in other embodiments, the non-volatile storage medium may also be external to the electronic device 1.
  • a storage device such as a plug-in hard disk equipped with an electronic device 1, a smart memory card (SMC), a Secure Digital (SD) card, a flash card, or the like.
  • the readable storage medium of the memory 11 is generally used to store an operating system and various types of application software installed in the electronic device 1, such as program code for storing a processing system in an embodiment of the present application. Further, the memory 11 can also be used to temporarily store various types of data that have been output or are to be output.
  • the processor 12 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data processing chip in some embodiments.
  • the processor 12 is typically used to control the overall operation of the electronic device 1, such as performing control and processing related to data interaction or communication with other devices.
  • the processor 12 is configured to run program code or process data stored in the memory 11, such as running a processing system or the like.
  • the network interface 13 may comprise a wireless network interface or a wired network interface, which is typically used to establish a communication connection between the electronic device 1 and other electronic devices.
  • the processing system is stored in the memory 11 and includes at least one computer readable instruction stored in the memory 11, the at least one computer readable instruction being executable by the processor 12 to implement the methods of various embodiments of the present application;
  • the at least one computer readable instruction can be classified into different logic modules depending on the functions implemented by its various parts.
  • the first determining step determines the type of the problem to which the abnormal problem belongs and the total amount involved in the abnormal problem after receiving the abnormality problem in the liquidation and payment clearing and verification process;
  • the present embodiment applies the clearing and verification of funds in the financial field, such as the clearing and verification of the payment and payment of pension funds.
  • the types of questions include the type of payment and the type of non-payment.
  • the types of payment include repeated payment and payment, for example, in the process of liquidation and delivery, or returning the account for resale, etc., once the batch A and batch B files are found to have the same content, the suspected duplicate payment needs to be reported. The problem is verified. At this time, the type is repeated payment; in the process of fund accounting, it is found that the online bank account amount and the reconciliation document amount are inconsistent, the reconciliation document has been changed, but the online banking has not reached the account, and the amount is inconsistent. To pay, you need to report the problem verification. At this time, the type is wrong. Non-payment type delivery exception, no return file, no reconciliation file, failure to resell, abnormal banking system, etc.
  • the processing priority includes a first priority P1, a second priority P2, and a third priority P3, where P1>P2>P3, that is, the first priority P1 is the highest, and the second priority P2 is the second.
  • the third priority P3 is the lowest.
  • the processing priority of the abnormal problem is determined to be the first Priority P1;
  • the type of the problem to which the abnormal problem belongs is a payment type
  • the total amount involved in the abnormal problem is less than or equal to the first preset amount and greater than the second preset amount (for example, the total amount is less than or equal to 50,000 and greater than 10,000)
  • determining that the processing priority of the abnormal problem is the second priority P2;
  • the processing priority of the abnormal problem is a third priority P3, the first preset amount is greater than the second preset amount;
  • the processing priority of the abnormal problem is the first a priority P1;
  • the processing priority of the abnormal problem is the second priority P2;
  • the processing priority of the abnormal problem is determined.
  • the third preset amount is greater than the fourth preset amount
  • the fourth preset amount is greater than the first preset amount.
  • different types of problems and the total amount of money involved in the processing are different.
  • the problem types corresponding to different abnormal problems, the total amount involved in the abnormal problem, and the processing priority are associated and stored in advance.
  • the type of payment has the greatest impact on the business. Therefore, in the case of the same total amount of payment, the type of payment and payment type has higher priority, and the required settlement period is shorter; The processing priority is relatively low, and the required resolution period is relatively loose.
  • different processing priorities correspond to different processing aging, and different processing priorities and corresponding processing aging are associated and stored in advance.
  • the corresponding processing time can be determined according to the processing priority.
  • the processing time is required to solve the abnormal problem within the processing time limit.
  • the processing priority corresponding to the first priority P1 is 2 hours
  • the processing time corresponding to the second priority P2 is 6 hours
  • the processing time corresponding to the third priority P3 is 18 hours.
  • a calculating step of obtaining a blending parameter corresponding to the type of the problem calculating a processing period T of the abnormal problem according to the processing time, the blending parameter, and the total amount involved in the abnormal problem, and sorting the abnormal problems according to the processing period T For processing by the processing staff.
  • the reconciliation parameter is preset for different problem types, and the corresponding reconciliation parameter having a large impact on the service is large, so the reconciliation parameter of the payment type is larger than the reconciliation parameter of the non-payment type.
  • T TD*[1.5-(2/ ⁇ )*arctan( ⁇ *M)]
  • TD processing aging
  • ⁇ is the abnormal problem
  • the type of the problem corresponds to the blending parameter
  • M is the total amount involved in the anomaly problem.
  • the harmonic parameter ⁇ is 1/10000; for the non-payment type, the harmonic parameter ⁇ is n/10000000, and n is a value between (0, 10), for example, an unidentified payment verification ⁇ The value is 7/10000000, and the value of the return file ⁇ cannot be 5/10000000.
  • (2/ ⁇ )*arctan( ⁇ *M) is a value between (0,1)
  • [1.5-(2/ ⁇ )*arctan( ⁇ *M)] is a value between (1.5,0.5) , that is, the processing period T is floating according to the type of the problem of the abnormal problem and the total amount involved in the TD processing time, so that the processing period T is no longer a fixed value determined according to the processing priority, but a total according to the type of the problem and the total involved. The value determined by the amount.
  • the abnormal problems are sorted in order for the processing personnel to process to avoid delays or omissions of major problems.
  • an abnormal problem occurs, first determine the type of the problem to which the abnormal problem belongs and the total amount involved in the abnormal problem, and then according to the problem.
  • the total amount involved in the type and the abnormality problem determines the processing priority of the abnormal problem, and the processing time corresponding to the processing priority, and on the basis of the processing time, the type of the problem related to the abnormal problem and the total amount involved are calculated.
  • the processing period T is finally comprehensively sorted according to the processing period T. When the number of reported abnormal problems is large, the processing is performed in order, which can avoid delays or omissions of major problems and reduce losses.
  • the processing priority is the first priority P1, the second priority P2, and the third priority P3, P1>P2>P3, then the processing priority is
  • the abnormality problem of the first priority P1 is when the cut-off time of the processing period T is the first preset time (for example, the first preset time is 1 hour), and if the abnormality problem is detected to be incomplete, The abnormal problem is identified as an emergency processing state, and the abnormal problem can be topped for the processing personnel to prioritize;
  • the processing priority of the abnormal problem is the second priority P2, which is raised to the first priority P1.
  • Re-determining the processing time of the abnormal problem based on the improved processing priority, and recalculating the processing time T of the abnormal problem according to the determined processing time, the blending parameter, and the total amount involved in the abnormal problem, according to the recalculated processing period T reorders the anomaly problem for the processing staff to prioritize.
  • This embodiment upgrades some abnormal problems that are close to the deadline of the processing period T but are not solved.
  • the abnormal problem is identified as an emergency processing state or the processing deadline is recalculated and sorted for priority processing by the processing personnel. Avoid major problems with delays or omissions.
  • the deadline of the processing period T from the abnormal problem is the third preset time, for example, the third The preset time is 2 hours. If the abnormality problem is detected as being completed, the completion identifier is generated, and the abnormality problem is removed from the sorted corresponding list to facilitate the processing personnel to view other unprocessed abnormalities; If it is detected that the abnormality problem is in an incomplete state, a reminder message is generated and the reminder message is sent to the predetermined terminal, for the processing personnel to prioritize the abnormal problems that have been reminded.
  • FIG. 2 is a schematic flowchart of a method for processing an abnormality problem of a fund according to an embodiment of the present invention.
  • the method for processing an abnormality of funds includes the following steps:
  • Step S1 after receiving an abnormality problem in the clearing and reconciliation process based on the fund payment, determining the type of the problem to which the abnormal problem belongs and the total amount involved in the abnormal problem, the type of the problem includes the type of payment and the non-payment.
  • the present embodiment applies the clearing and verification of funds in the financial field, such as the clearing and verification of the payment and payment of pension funds.
  • the types of questions include the type of payment and the type of non-payment.
  • the types of payment include repeated payment and payment, for example, in the process of liquidation and delivery, or returning the account for resale, etc., once the batch A and batch B files are found to have the same content, the suspected duplicate payment needs to be reported. The problem is verified. At this time, the type is repeated payment; in the process of fund accounting, it is found that the online bank account amount and the reconciliation document amount are inconsistent, the reconciliation document has been changed, but the online banking has not reached the account, and the amount is inconsistent. To pay, you need to report the problem verification. At this time, the type is wrong. Non-payment type delivery exception, no return file, no reconciliation file, failure to resell, abnormal banking system, etc.
  • Step S2 determining a processing priority of the abnormality problem based on a predetermined type of the problem, an association relationship between the total amount of the abnormality problem and the processing priority, and determining the relationship based on the predetermined processing priority and the processing time relationship.
  • the processing priority includes a first priority P1, a second priority P2, and a third priority P3, where P1>P2>P3, that is, the first priority P1 is the highest, and the second priority P2 is the second.
  • the third priority P3 is the lowest.
  • the processing priority of the abnormal problem is determined to be the first Priority P1;
  • the type of the problem to which the abnormal problem belongs is a payment type
  • the total amount involved in the abnormal problem is less than or equal to the first preset amount and greater than the second preset amount (for example, the total amount is less than or equal to 50,000 and greater than 10,000)
  • determining that the processing priority of the abnormal problem is the second priority P2;
  • the processing priority of the abnormal problem is a third priority P3, the first preset amount is greater than the second preset amount;
  • the processing priority of the abnormal problem is the first a priority P1;
  • the processing priority of the abnormal problem is the second priority P2;
  • the processing priority of the abnormal problem is determined.
  • the third preset amount is greater than the fourth preset amount
  • the fourth preset amount is greater than the first preset amount.
  • different types of problems and the total amount of money involved in the processing are different.
  • the problem types corresponding to different abnormal problems, the total amount involved in the abnormal problem, and the processing priority are associated and stored in advance.
  • the type of payment has the greatest impact on the business. Therefore, in the case of the same total amount of payment, the type of payment and payment type has higher priority, and the required settlement period is shorter; The processing priority is relatively low, and the required resolution period is relatively loose.
  • different processing priorities correspond to different processing aging, and different processing priorities and corresponding processing aging are associated and stored in advance.
  • the corresponding processing time can be determined according to the processing priority.
  • the processing time is required to solve the abnormal problem within the processing time limit.
  • the processing priority corresponding to the first priority P1 is 2 hours
  • the processing time corresponding to the second priority P2 is 6 hours
  • the processing time corresponding to the third priority P3 is 18 hours.
  • Step S3 obtaining a blending parameter corresponding to the problem type, calculating a processing period T of the abnormal problem according to the processing time, the blending parameter, and the total amount involved in the abnormal problem, and sorting the abnormal problems according to the processing period T For processing by the processing staff.
  • the reconciliation parameter is preset for different problem types, and the corresponding reconciliation parameter having a large impact on the service is large, so the reconciliation parameter of the payment type is larger than the reconciliation parameter of the non-payment type.
  • T TD*[1.5-(2/ ⁇ )*arctan( ⁇ *M)]
  • TD processing aging
  • ⁇ is the abnormal problem
  • the type of the problem corresponds to the blending parameter
  • M is the total amount involved in the anomaly problem.
  • the harmonic parameter ⁇ is 1/10000; for the non-payment type, the harmonic parameter ⁇ is n/10000000, and n is a value between (0, 10), for example, an unidentified payment verification ⁇ The value is 7/10000000, and the value of the return file ⁇ cannot be 5/10000000.
  • (2/ ⁇ )*arctan( ⁇ *M) is a value between (0,1)
  • [1.5-(2/ ⁇ )*arctan( ⁇ *M)] is a value between (1.5,0.5) , that is, the processing period T is floating according to the type of the problem of the abnormal problem and the total amount involved in the TD processing time, so that the processing period T is no longer a fixed value determined according to the processing priority, but a total according to the type of the problem and the total involved. The value determined by the amount.
  • the abnormal problems are sorted in order for the processing personnel to process to avoid delays or omissions of major problems.
  • an abnormal problem occurs, first determine the type of the problem to which the abnormal problem belongs and the total amount involved in the abnormal problem, and then according to the problem.
  • the total amount involved in the type and the abnormality problem determines the processing priority of the abnormal problem, and the processing time corresponding to the processing priority, and on the basis of the processing time, the type of the problem related to the abnormal problem and the total amount involved are calculated.
  • the processing period T is finally comprehensively sorted according to the processing period T. When the number of reported abnormal problems is large, the processing is performed in order, which can avoid delays or omissions of major problems and reduce losses.
  • the processing priority is the first priority P1, the second priority P2, and the third priority P3, P1>P2>P3, then the processing priority is
  • the abnormality problem of the first priority P1 is when the cut-off time of the processing period T is the first preset time (for example, the first preset time is 1 hour), and if the abnormality problem is detected to be incomplete, The abnormal problem is identified as an emergency processing state, and the abnormal problem can be topped for the processing personnel to prioritize;
  • the processing priority of the abnormal problem is the second priority P2, which is raised to the first priority P1.
  • Re-determining the processing time of the abnormal problem based on the improved processing priority, and recalculating the processing time T of the abnormal problem according to the determined processing time, the blending parameter, and the total amount involved in the abnormal problem, according to the recalculated processing period T reorders the anomaly problem for the processing staff to prioritize.
  • This embodiment upgrades some abnormal problems that are close to the deadline of the processing period T but are not solved.
  • the abnormal problem is identified as an emergency processing state or the processing deadline is recalculated and sorted for priority processing by the processing personnel. Avoid major problems with delays or omissions.
  • the deadline of the processing period T from the abnormal problem is the third preset time, for example, the third The preset time is 2 hours. If the abnormality problem is detected as being completed, the completion identifier is generated, and the abnormality problem is removed from the sorted corresponding list to facilitate the processing personnel to view other unprocessed abnormalities; If it is detected that the abnormality problem is in an incomplete state, a reminder message is generated and the reminder message is sent to the predetermined terminal, for the processing personnel to prioritize the abnormal problems that have been reminded.
  • the present application also provides a computer readable storage medium having stored thereon a processing system, the processing system being executed by a processor to implement the steps of the method of processing the capital anomaly problem described above.
  • the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better.
  • Implementation Based on such understanding, the technical solution of the present application, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk,
  • the optical disc includes a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in various embodiments of the present application.

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Abstract

本申请涉及一种电子装置、资金异常问题处理的方法及存储介质，该方法包括：在接收到基于资金收付的清算及核对过程中的异常问题后，确定该异常问题所属的问题类型及该异常问题涉及的总金额，所述问题类型包括收付类型及非收付类型；基于预先确定的问题类型、异常问题涉及的总金额与处理优先级的关联关系，确定该异常问题的处理优先级，并基于预先确定的处理优先级与处理时效的关联关系，确定该异常问题的处理时效；获取该问题类型对应的调和参数，根据所述处理时效、调和参数及该异常问题涉及的总金额计算该异常问题的处理期限T，根据所述处理期限T将各异常问题进行先后排序，供进行处理。本申请能够避免重大问题延迟处理或遗漏，减少损失。

Description

电子装置、资金异常问题处理的方法及存储介质
优先权申明
本申请基于巴黎公约申明享有2018年04月24日递交的申请号为CN2018103700827、名称为“电子装置、资金异常问题处理的方法及存储介质”中国专利申请的优先权，该中国专利申请的整体内容以参考的方式结合在本申请中。
技术领域
本申请涉及金融技术领域，尤其涉及一种电子装置、资金异常问题处理的方法及存储介质。
背景技术
目前，保险资金(例如养老险)收付的清算和核对主要采用银行批量转账等线上支付方式，财务中心的资金组成员在出盘清算和回盘核对的过程中经常发现一些异常问题，比如：类似重复送盘造成送盘异常、回盘核对时不明款项待核等问题，每一问题的影响度和紧急度是不同的。资金组成员会将这些问题通过问题上报系统上报到处理组，传统方案为由系统按照用户选择的紧急度和问题上报时间来确定处理期限，因为上报的此类问题的数量非常大，所以传统方案容易造成重大问题延迟处理或遗漏，造成不可挽回的损失。
发明内容
本申请的目的在于提供一种电子装置、资金异常问题处理的方法及存储介质，旨在避免资金收付的清算及核对过程中的重大异常问题延迟处理或遗漏。
为实现上述目的，本申请提供一种电子装置，所述电子装置包括存储器及与所述存储器连接的处理器，所述存储器中存储有可在所述处理器上运行 的处理系统，所述处理系统被所述处理器执行时实现如下步骤：
第一确定步骤，在接收到基于资金收付的清算及核对过程中的异常问题后，确定该异常问题所属的问题类型及该异常问题涉及的总金额，所述问题类型包括收付类型及非收付类型；
第二确定步骤，基于预先确定的问题类型、异常问题涉及的总金额与处理优先级的关联关系，确定该异常问题的处理优先级，并基于预先确定的处理优先级与处理时效的关联关系，确定该异常问题的处理时效；
计算步骤，获取该问题类型对应的调和参数，根据所述处理时效、调和参数及该异常问题涉及的总金额计算该异常问题的处理期限T，根据所述处理期限T将各异常问题进行先后排序，供处理人员进行处理。
为实现上述目的，本申请还提供一种资金异常问题处理的方法，所述资金异常问题处理的方法包括：
S1，在接收到基于资金收付的清算及核对过程中的异常问题后，确定该异常问题所属的问题类型及该异常问题涉及的总金额，所述问题类型包括收付类型及非收付类型；
S2，基于预先确定的问题类型、异常问题涉及的总金额与处理优先级的关联关系，确定该异常问题的处理优先级，并基于预先确定的处理优先级与处理时效的关联关系，确定该异常问题的处理时效；
S3，获取该问题类型对应的调和参数，根据所述处理时效、调和参数及该异常问题涉及的总金额计算该异常问题的处理期限T，根据所述处理期限T将各异常问题进行先后排序，供处理人员进行处理。
本申请还提供一种计算机可读存储介质，所述计算机可读存储介质上存储有处理系统，所述处理系统被处理器执行时实现上述的资金异常问题处理的方法的步骤。
本申请的有益效果是：本申请在出盘清算和回盘核对的实际应用场景 中，如果出现异常问题，首先确定该异常问题所属的问题类型及该异常问题涉及的总金额，然后根据问题类型、异常问题涉及的总金额确定该异常问题的处理优先级，及该处理优先级对应的处理时效，在该处理时效的基础上计算得到与该异常问题的问题类型、涉及的总金额相关的处理期限T，最终根据处理期限T对各异常问题进行综合性排序，在上报的异常问题的数量较大时，按序进行处理，能够避免重大问题延迟处理或遗漏，减少损失。
附图说明
图1为本申请电子装置一实施例的硬件架构的示意图；
图2为本申请资金异常问题处理的方法一实施例的流程示意图。
具体实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处所描述的具体实施例仅用以解释本申请，并不用于限定本申请。基于本申请中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本申请保护的范围。
需要说明的是，在本申请中涉及“第一”、“第二”等的描述仅用于描述目的，而不能理解为指示或暗示其相对重要性或者隐含指明所指示的技术特征的数量。由此，限定有“第一”、“第二”的特征可以明示或者隐含地包括至少一个该特征。另外，各个实施例之间的技术方案可以相互结合，但是必须是以本领域普通技术人员能够实现为基础，当技术方案的结合出现相互矛盾或无法实现时应当认为这种技术方案的结合不存在，也不在本申请要求的保护范围之内。
参阅图1所示，是本申请电子装置一实施例的硬件架构的示意图。电子装置1是一种能够按照事先设定或者存储的指令，自动进行数值计算和/或信息处理的设备。所述电子装置1可以是计算机、也可以是单个网络服务器、 多个网络服务器组成的服务器组或者基于云计算的由大量主机或者网络服务器构成的云，其中云计算是分布式计算的一种，由一群松散耦合的计算机集组成的一个超级虚拟计算机。
在本实施例中，电子装置1可包括，但不仅限于，可通过系统总线相互通信连接的存储器11、处理器12、网络接口13，存储器11存储有可在处理器12上运行的处理系统。需要指出的是，图1仅示出了具有组件11-13的电子装置1，但是应理解的是，并不要求实施所有示出的组件，可以替代的实施更多或者更少的组件。
其中，存储器11包括内存及至少一种类型的可读存储介质。内存为电子装置1的运行提供缓存；可读存储介质可为如闪存、硬盘、多媒体卡、卡型存储器(例如，SD或DX存储器等)、随机访问存储器(RAM)、静态随机访问存储器(SRAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、可编程只读存储器(PROM)、磁性存储器、磁盘、光盘等的非易失性存储介质。在一些实施例中，可读存储介质可以是电子装置1的内部存储单元，例如该电子装置1的硬盘；在另一些实施例中，该非易失性存储介质也可以是电子装置1的外部存储设备，例如电子装置1上配备的插接式硬盘，智能存储卡(Smart Media Card,SMC)，安全数字(Secure Digital,SD)卡，闪存卡(Flash Card)等。本实施例中，存储器11的可读存储介质通常用于存储安装于电子装置1的操作系统和各类应用软件，例如存储本申请一实施例中的处理系统的程序代码等。此外，存储器11还可以用于暂时地存储已经输出或者将要输出的各类数据。
所述处理器12在一些实施例中可以是中央处理器(Central Processing Unit，CPU)、控制器、微控制器、微处理器、或其他数据处理芯片。该处理器12通常用于控制所述电子装置1的总体操作，例如执行与其他设备进行数据交互或者通信相关的控制和处理等。本实施例中，所述处理器12用于运行所述存储器11中存储的程序代码或者处理数据，例如运行处理系统等。
所述网络接口13可包括无线网络接口或有线网络接口，该网络接口13 通常用于在所述电子装置1与其他电子设备之间建立通信连接。
所述处理系统存储在存储器11中，包括至少一个存储在存储器11中的计算机可读指令，该至少一个计算机可读指令可被处理器器12执行，以实现本申请各实施例的方法；以及，该至少一个计算机可读指令依据其各部分所实现的功能不同，可被划为不同的逻辑模块。
在一实施例中，上述处理系统被所述处理器12执行时实现如下步骤：
第一确定步骤，在接收到基于资金收付的清算及核对过程中的异常问题后，确定该异常问题所属的问题类型及该异常问题涉及的总金额；
其中，本实施例应用在金融领域的资金收付的清算及核对，例如养老险资金收付的清算及核对。问题类型包括收付类型及非收付类型。收付类型包括重复收付、错误收付，例如，在清算送盘过程中，或者回盘核算回销等过程中，一旦发现批次A和批次B文件内容相同，疑似重复支付，需上报问题核实，此时类型为重复收付；在资金核算过程中，发现网银到账金额和对账文件金额不一致、对账文件有改批次，但网银未到账等金额不一致问题，疑似错误收付，需上报问题核实，此时类型为错误收付。非收付类型送盘异常、取不到回盘文件、取不到对账文件、回销失败、银行系统异常等。
其中，在接收到上述的异常问题时，直接获取该异常问题涉及的总金额，或者对该异常问题涉及的金额进行统计，以最终得到该异常问题所涉及的总金额，所涉及的总金额例如为10万、50万、100万或500万等。
第二确定步骤，基于预先确定的问题类型、异常问题涉及的总金额与处理优先级的关联关系，确定该异常问题的处理优先级，并基于预先确定的处理优先级与处理时效的关联关系，确定该异常问题的处理时效；
在一实施例中，处理优先级包括第一优先级P1、第二优先级P2及第三优先级P3，P1>P2>P3，即第一优先级P1最高，第二优先级P2次之，第三优先级P3最低。其中，基于预先确定的问题类型、异常问题涉及的总金额与处理优先级的关联关系确定该异常问题的处理优先级的步骤，包括：
若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额 大于第一预设金额(例如，总金额大于5万)时，则确定该异常问题的处理优先级为第一优先级P1；
若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额小于等于第一预设金额且大于第二预设金额时(例如，总金额小于等于5万且大于1万)，则确定该异常问题的处理优先级为第二优先级P2；
若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额小于等于第二预设金额时(例如，总金额小于等于1万)，则确定该异常问题的处理优先级为第三优先级P3，所述第一预设金额大于所述第二预设金额；
若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额大于第三预设金额时(例如，总金额大于500万)，则确定该异常问题的处理优先级为第一优先级P1；
若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额小于等于第三预设金额且大于第四预设金额时(例如，总金额小于等于500万且大于100万)，则确定该异常问题的处理优先级为第二优先级P2；
若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额小于等于第四预设金额时(例如，总金额小于等于100万)，则确定该异常问题的处理优先级为第三优先级P3，所述第三预设金额大于所述第四预设金额，所述第四预设金额大于所述第一预设金额。
本实施例中，不同的问题类型及其涉及的总金额对应的处理优先级不相同，预先将不同的异常问题对应的问题类型、异常问题涉及的总金额与处理优先级进行关联并存储。其中，收付类型对业务影响最大，因此，收付类型及非收付类型在相同的总金额情况下，收付类型的处理优先级更高，要求的解决期限越短；而非收付类型的处理优先级相对低，要求的解决期限相对宽松。
本实施例中，不同的处理优先级对应不同的处理时效，预先将不同的处理优先级及对应的处理时效进行关联并存储。在依据问题类型及其涉及的总 金额确定处理优先级后，根据该处理优先级可以确定对应的处理时效。处理时效即为要求该异常问题在该处理时效内得到解决。优选地，第一优先级P1对应的处理时效为2小时，第二优先级P2对应的处理时效为6小时，第三优先级P3对应的处理时效为18小时。
计算步骤，获取该问题类型对应的调和参数，根据所述处理时效、调和参数及该异常问题涉及的总金额计算该异常问题的处理期限T，根据所述处理期限T将各异常问题进行先后排序，供处理人员进行处理。
本实施例中，调和参数针对不同的问题类型而预先设定，对业务影响大的对应的调和参数大，因此收付类型的调和参数比非收付类型的调和参数大。在一实施例中，计算该异常问题的处理期限的步骤包括：处理期限T＝TD*[1.5-(2/π)*arctan(α*M)]，TD为处理时效，α为该异常问题的问题类型对应的调和参数，M为该异常问题涉及的总金额。
在一实施例中，对于收付类型，调和参数α为1/10000；对于非收付类型，调和参数α为n/10000000，n为(0，10)之间的数值，例如不明款项核实α取值为7/10000000，取不到回盘文件α取值为5/10000000。(2/π)*arctan(α*M)为(0，1)之间的数值，则[1.5-(2/π)*arctan(α*M)]为(1.5，0.5)之间的数值，即处理期限T根据异常问题的问题类型及涉及的总金额在TD处理时效左右浮动，使得处理期限T不再是一个根据处理优先级确定的固定值，而是一个根据问题类型及涉及的总金额而确定的值。最后，根据处理期限T将各异常问题进行先后排序，供处理人员进行处理，以避免重大问题延迟处理或遗漏。
与现有技术相比，本实施例在出盘清算和回盘核对的实际应用场景中，如果出现异常问题，首先确定该异常问题所属的问题类型及该异常问题涉及的总金额，然后根据问题类型、异常问题涉及的总金额确定该异常问题的处理优先级，及该处理优先级对应的处理时效，在该处理时效的基础上计算得到与该异常问题的问题类型、涉及的总金额相关的处理期限T，最终根据处理期限T对各异常问题进行综合性排序，在上报的异常问题的数量较大时， 按序进行处理，能够避免重大问题延迟处理或遗漏，减少损失。
为了进一步避免重大问题延迟处理或遗漏，在一实施例中，如果处理优先级包括第一优先级P1、第二优先级P2及第三优先级P3，P1>P2>P3，则对于处理优先级为第一优先级P1的异常问题，在距离处理期限T的截止时间为第一预设时间时(例如，第一预设时间为1小时)，若监测到该异常问题处于未完成状态，则将该异常问题标识为紧急处理状态，并可将该异常问题置顶，以供处理人员优先处理；
而对于处理优先级为第一优先级P1之外的异常问题，即第二优先级P2或第三优先级P3的异常问题，在距离处理期限T的截止时间为第二预设时间时(例如，第二预设时间为3小时)，第一预设时间小于所述第二预设时间，若监测到该异常问题处于未完成状态，则将该异常问题的处理优先级提高，例如，该异常问题的处理优先级为第二优先级P2，将其提高为第一优先级P1。基于提高后的处理优先级重新确定该异常问题的处理时效，根据本次确定的处理时效、调和参数及该异常问题涉及的总金额重新计算该异常问题的处理期限T，根据重新计算的处理期限T将该异常问题重新进行排序，供处理人员进行优先处理。
本实施例对于一些接近处理期限T的截止时间但未得到解决的异常问题进行升级处理，例如，将异常问题标识为紧急处理状态或者重新计算处理期限并排序，以供处理人员进行优先处理，进一步避免重大问题延迟处理或遗漏。
为了进一步避免重大问题延迟处理或遗漏，在另一实施例中，对于所有处理优先级的异常问题，在距离该异常问题的处理期限T的截止时间为第三预设时间时，例如，第三预设时间为2小时，若监测到该异常问题处于已完成状态，则生成完成标识，并可将该异常问题从排序对应的列表中移除，以方便处理人员查看其它未处理的异常问题；若监测到该异常问题处于未完成状态，则生成提醒消息并将提醒消息发送给预定的终端，供处理人员对这些 已经进行提醒的异常问题优先处理。
如图2所示，图2为本申请资金异常问题处理的方法一实施例的流程示意图，该资金异常问题处理的方法包括以下步骤：
步骤S1，在接收到基于资金收付的清算及核对过程中的异常问题后，确定该异常问题所属的问题类型及该异常问题涉及的总金额，所述问题类型包括收付类型及非收付类型；
其中，本实施例应用在金融领域的资金收付的清算及核对，例如养老险资金收付的清算及核对。问题类型包括收付类型及非收付类型。收付类型包括重复收付、错误收付，例如，在清算送盘过程中，或者回盘核算回销等过程中，一旦发现批次A和批次B文件内容相同，疑似重复支付，需上报问题核实，此时类型为重复收付；在资金核算过程中，发现网银到账金额和对账文件金额不一致、对账文件有改批次，但网银未到账等金额不一致问题，疑似错误收付，需上报问题核实，此时类型为错误收付。非收付类型送盘异常、取不到回盘文件、取不到对账文件、回销失败、银行系统异常等。
其中，在接收到上述的异常问题时，直接获取该异常问题涉及的总金额，或者对该异常问题涉及的金额进行统计，以最终得到该异常问题所涉及的总金额，所涉及的总金额例如为10万、50万、100万或500万等。
步骤S2，基于预先确定的问题类型、异常问题涉及的总金额与处理优先级的关联关系，确定该异常问题的处理优先级，并基于预先确定的处理优先级与处理时效的关联关系，确定该异常问题的处理时效；
在一实施例中，处理优先级包括第一优先级P1、第二优先级P2及第三优先级P3，P1>P2>P3，即第一优先级P1最高，第二优先级P2次之，第三优先级P3最低。其中，基于预先确定的问题类型、异常问题涉及的总金额与处理优先级的关联关系确定该异常问题的处理优先级的步骤，包括：
若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额大于第一预设金额(例如，总金额大于5万)时，则确定该异常问题的处理优先级为第一优先级P1；
若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额小于等于第一预设金额且大于第二预设金额时(例如，总金额小于等于5万且大于1万)，则确定该异常问题的处理优先级为第二优先级P2；
若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额小于等于第二预设金额时(例如，总金额小于等于1万)，则确定该异常问题的处理优先级为第三优先级P3，所述第一预设金额大于所述第二预设金额；
若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额大于第三预设金额时(例如，总金额大于500万)，则确定该异常问题的处理优先级为第一优先级P1；
若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额小于等于第三预设金额且大于第四预设金额时(例如，总金额小于等于500万且大于100万)，则确定该异常问题的处理优先级为第二优先级P2；
若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额小于等于第四预设金额时(例如，总金额小于等于100万)，则确定该异常问题的处理优先级为第三优先级P3，所述第三预设金额大于所述第四预设金额，所述第四预设金额大于所述第一预设金额。
本实施例中，不同的问题类型及其涉及的总金额对应的处理优先级不相同，预先将不同的异常问题对应的问题类型、异常问题涉及的总金额与处理优先级进行关联并存储。其中，收付类型对业务影响最大，因此，收付类型及非收付类型在相同的总金额情况下，收付类型的处理优先级更高，要求的解决期限越短；而非收付类型的处理优先级相对低，要求的解决期限相对宽松。
本实施例中，不同的处理优先级对应不同的处理时效，预先将不同的处理优先级及对应的处理时效进行关联并存储。在依据问题类型及其涉及的总金额确定处理优先级后，根据该处理优先级可以确定对应的处理时效。处理时效即为要求该异常问题在该处理时效内得到解决。优选地，第一优先级 P1对应的处理时效为2小时，第二优先级P2对应的处理时效为6小时，第三优先级P3对应的处理时效为18小时。
步骤S3，获取该问题类型对应的调和参数，根据所述处理时效、调和参数及该异常问题涉及的总金额计算该异常问题的处理期限T，根据所述处理期限T将各异常问题进行先后排序，供处理人员进行处理。
本实施例中，调和参数针对不同的问题类型而预先设定，对业务影响大的对应的调和参数大，因此收付类型的调和参数比非收付类型的调和参数大。在一实施例中，计算该异常问题的处理期限的步骤包括：处理期限T＝TD*[1.5-(2/π)*arctan(α*M)]，TD为处理时效，α为该异常问题的问题类型对应的调和参数，M为该异常问题涉及的总金额。
在一实施例中，对于收付类型，调和参数α为1/10000；对于非收付类型，调和参数α为n/10000000，n为(0，10)之间的数值，例如不明款项核实α取值为7/10000000，取不到回盘文件α取值为5/10000000。(2/π)*arctan(α*M)为(0，1)之间的数值，则[1.5-(2/π)*arctan(α*M)]为(1.5，0.5)之间的数值，即处理期限T根据异常问题的问题类型及涉及的总金额在TD处理时效左右浮动，使得处理期限T不再是一个根据处理优先级确定的固定值，而是一个根据问题类型及涉及的总金额而确定的值。最后，根据处理期限T将各异常问题进行先后排序，供处理人员进行处理，以避免重大问题延迟处理或遗漏。
与现有技术相比，本实施例在出盘清算和回盘核对的实际应用场景中，如果出现异常问题，首先确定该异常问题所属的问题类型及该异常问题涉及的总金额，然后根据问题类型、异常问题涉及的总金额确定该异常问题的处理优先级，及该处理优先级对应的处理时效，在该处理时效的基础上计算得到与该异常问题的问题类型、涉及的总金额相关的处理期限T，最终根据处理期限T对各异常问题进行综合性排序，在上报的异常问题的数量较大时，按序进行处理，能够避免重大问题延迟处理或遗漏，减少损失。
为了进一步避免重大问题延迟处理或遗漏，在一实施例中，如果处理优先级包括第一优先级P1、第二优先级P2及第三优先级P3，P1>P2>P3，则对于处理优先级为第一优先级P1的异常问题，在距离处理期限T的截止时间为第一预设时间时(例如，第一预设时间为1小时)，若监测到该异常问题处于未完成状态，则将该异常问题标识为紧急处理状态，并可将该异常问题置顶，以供处理人员优先处理；
而对于处理优先级为第一优先级P1之外的异常问题，即第二优先级P2或第三优先级P3的异常问题，在距离处理期限T的截止时间为第二预设时间时(例如，第二预设时间为3小时)，第一预设时间小于所述第二预设时间，若监测到该异常问题处于未完成状态，则将该异常问题的处理优先级提高，例如，该异常问题的处理优先级为第二优先级P2，将其提高为第一优先级P1。基于提高后的处理优先级重新确定该异常问题的处理时效，根据本次确定的处理时效、调和参数及该异常问题涉及的总金额重新计算该异常问题的处理期限T，根据重新计算的处理期限T将该异常问题重新进行排序，供处理人员进行优先处理。
本实施例对于一些接近处理期限T的截止时间但未得到解决的异常问题进行升级处理，例如，将异常问题标识为紧急处理状态或者重新计算处理期限并排序，以供处理人员进行优先处理，进一步避免重大问题延迟处理或遗漏。
为了进一步避免重大问题延迟处理或遗漏，在另一实施例中，对于所有处理优先级的异常问题，在距离该异常问题的处理期限T的截止时间为第三预设时间时，例如，第三预设时间为2小时，若监测到该异常问题处于已完成状态，则生成完成标识，并可将该异常问题从排序对应的列表中移除，以方便处理人员查看其它未处理的异常问题；若监测到该异常问题处于未完成状态，则生成提醒消息并将提醒消息发送给预定的终端，供处理人员对这些已经进行提醒的异常问题优先处理。
本申请还提供一种计算机可读存储介质，所述计算机可读存储介质上存 储有处理系统，所述处理系统被处理器执行时实现上述的资金异常问题处理的方法的步骤。
上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，服务器，空调器，或者网络设备等)执行本申请各个实施例所述的方法。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (20)

  1. 一种电子装置，其特征在于，所述电子装置包括存储器及与所述存储器连接的处理器，所述存储器中存储有可在所述处理器上运行的处理系统，所述处理系统被所述处理器执行时实现如下步骤：
    第一确定步骤，在接收到基于资金收付的清算及核对过程中的异常问题后，确定该异常问题所属的问题类型及该异常问题涉及的总金额，所述问题类型包括收付类型及非收付类型；
    第二确定步骤，基于预先确定的问题类型、异常问题涉及的总金额与处理优先级的关联关系，确定该异常问题的处理优先级，并基于预先确定的处理优先级与处理时效的关联关系，确定该异常问题的处理时效；
    计算步骤，获取该问题类型对应的调和参数，根据所述处理时效、调和参数及该异常问题涉及的总金额计算该异常问题的处理期限T，根据所述处理期限T将各异常问题进行先后排序，供处理人员进行处理。
  2. 根据权利要求1所述的电子装置，其特征在于，所述计算该异常问题的处理期限的步骤包括：
    处理期限T＝TD*[1.5-(2/π)*arctan(α*M)]，TD为处理时效，α为该异常问题的问题类型对应的调和参数，M为该异常问题涉及的总金额。
  3. 根据权利要求1所述的电子装置，其特征在于，所述处理优先级包括第一优先级P1、第二优先级P2及第三优先级P3，P1>P2>P3，所述基于预先确定的问题类型、异常问题涉及的总金额与处理优先级的关联关系，确定该异常问题的处理优先级的步骤，具体包括：
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额大于第一预设金额时，则确定该异常问题的处理优先级为第一优先级P1；
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额小于等于第一预设金额且大于第二预设金额时，则确定该异常问题的处理优 先级为第二优先级P2；
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额小于等于第二预设金额时，则确定该异常问题的处理优先级为第三优先级P3，所述第一预设金额大于所述第二预设金额；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额大于第三预设金额时，则确定该异常问题的处理优先级为第一优先级P1；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额小于等于第三预设金额且大于第四预设金额时，则确定该异常问题的处理优先级为第二优先级P2；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额小于等于第四预设金额时，则确定该异常问题的处理优先级为第三优先级P3，所述第三预设金额大于所述第四预设金额，所述第四预设金额大于所述第一预设金额。
  4. 根据权利要求2所述的电子装置，其特征在于，所述处理优先级包括第一优先级P1、第二优先级P2及第三优先级P3，P1>P2>P3，所述基于预先确定的问题类型、异常问题涉及的总金额与处理优先级的关联关系，确定该异常问题的处理优先级的步骤，具体包括：
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额大于第一预设金额时，则确定该异常问题的处理优先级为第一优先级P1；
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额小于等于第一预设金额且大于第二预设金额时，则确定该异常问题的处理优先级为第二优先级P2；
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额小于等于第二预设金额时，则确定该异常问题的处理优先级为第三优先级P3，所述第一预设金额大于所述第二预设金额；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额大于第三预设金额时，则确定该异常问题的处理优先级为第一优先级P1；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额小于等于第三预设金额且大于第四预设金额时，则确定该异常问题的处理优先级为第二优先级P2；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额小于等于第四预设金额时，则确定该异常问题的处理优先级为第三优先级P3，所述第三预设金额大于所述第四预设金额，所述第四预设金额大于所述第一预设金额。
  5. 根据权利要求3或4所述的电子装置，其特征在于，所述处理系统被所述处理器执行时，还实现如下步骤：
    对于处理优先级为第一优先级P1的异常问题，在距离处理期限T的截止时间为第一预设时间时，若监测到该异常问题处于未完成状态，则将该异常问题标识为紧急处理状态，供处理人员优先处理；
    对于处理优先级为第二优先级P2或第三优先级P3的异常问题，在距离处理期限T的截止时间为第二预设时间时，若监测到该异常问题处于未完成状态，则将该异常问题的处理优先级提高，基于提高后的处理优先级确定该异常问题的处理时效，根据本次确定的处理时效、调和参数及该异常问题涉及的总金额重新计算该异常问题的处理期限T，根据重新计算的处理期限T将该异常问题进行排序，供处理人员进行处理，所述第一预设时间小于所述第二预设时间。
  6. 根据权利要求1所述的电子装置，其特征在于，所述处理系统被所述处理器执行时，还实现如下步骤：
    在距离该异常问题的处理期限T的截止时间为第三预设时间时，若监测到该异常问题处于已完成状态，则生成完成标识；
    若监测到该异常问题处于未完成状态，则生成提醒消息并将提醒消息发送给预定的终端，供处理人员进行处理。
  7. 根据权利要求2所述的电子装置，其特征在于，所述处理系统被所述处理器执行时，还实现如下步骤：
    在距离该异常问题的处理期限T的截止时间为第三预设时间时，若监测到该异常问题处于已完成状态，则生成完成标识；
    若监测到该异常问题处于未完成状态，则生成提醒消息并将提醒消息发送给预定的终端，供处理人员进行处理。
  8. 一种资金异常问题处理的方法，其特征在于，所述资金异常问题处理的方法包括：
    S1，在接收到基于资金收付的清算及核对过程中的异常问题后，确定该异常问题所属的问题类型及该异常问题涉及的总金额，所述问题类型包括收付类型及非收付类型；
    S2，基于预先确定的问题类型、异常问题涉及的总金额与处理优先级的关联关系，确定该异常问题的处理优先级，并基于预先确定的处理优先级与处理时效的关联关系，确定该异常问题的处理时效；
    S3，获取该问题类型对应的调和参数，根据所述处理时效、调和参数及该异常问题涉及的总金额计算该异常问题的处理期限T，根据所述处理期限T将各异常问题进行先后排序，供处理人员进行处理。
  9. 根据权利要求8所述的资金异常问题处理的方法，其特征在于，所述计算该异常问题的处理期限的步骤包括：
    处理期限T＝TD*[1.5-(2/π)*arctan(α*M)]，TD为处理时效，α为该异常问题的问题类型对应的调和参数，M为该异常问题涉及的总金额。
  10. 根据权利要求8所述的资金异常问题处理的方法，其特征在于，所述处理优先级包括第一优先级P1、第二优先级P2及第三优先级P3，P1>P2>P3， 所述基于预先确定的问题类型、异常问题涉及的总金额与处理优先级的关联关系，确定该异常问题的处理优先级的步骤，具体包括：
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额大于第一预设金额时，则确定该异常问题的处理优先级为第一优先级P1；
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额小于等于第一预设金额且大于第二预设金额时，则确定该异常问题的处理优先级为第二优先级P2；
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额小于等于第二预设金额时，则确定该异常问题的处理优先级为第三优先级P3，所述第一预设金额大于所述第二预设金额；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额大于第三预设金额时，则确定该异常问题的处理优先级为第一优先级P1；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额小于等于第三预设金额且大于第四预设金额时，则确定该异常问题的处理优先级为第二优先级P2；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额小于等于第四预设金额时，则确定该异常问题的处理优先级为第三优先级P3，所述第三预设金额大于所述第四预设金额，所述第四预设金额大于所述第一预设金额。
  11. 根据权利要求9所述的资金异常问题处理的方法，其特征在于，所述处理优先级包括第一优先级P1、第二优先级P2及第三优先级P3，P1>P2>P3，所述基于预先确定的问题类型、异常问题涉及的总金额与处理优先级的关联关系，确定该异常问题的处理优先级的步骤，具体包括：
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额大于第一预设金额时，则确定该异常问题的处理优先级为第一优先级P1；
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额小于等于第一预设金额且大于第二预设金额时，则确定该异常问题的处理优先级为第二优先级P2；
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额小于等于第二预设金额时，则确定该异常问题的处理优先级为第三优先级P3，所述第一预设金额大于所述第二预设金额；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额大于第三预设金额时，则确定该异常问题的处理优先级为第一优先级P1；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额小于等于第三预设金额且大于第四预设金额时，则确定该异常问题的处理优先级为第二优先级P2；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额小于等于第四预设金额时，则确定该异常问题的处理优先级为第三优先级P3，所述第三预设金额大于所述第四预设金额，所述第四预设金额大于所述第一预设金额。
  12. 根据权利要求10或11所述的资金异常问题处理的方法，其特征在于，所述资金异常问题处理的方法，还包括：
    对于处理优先级为第一优先级P1的异常问题，在距离处理期限T的截止时间为第一预设时间时，若监测到该异常问题处于未完成状态，则将该异常问题标识为紧急处理状态，供处理人员优先处理；
    对于处理优先级为第二优先级P2或第三优先级P3的异常问题，在距离处理期限T的截止时间为第二预设时间时，若监测到该异常问题处于未完成状态，则将该异常问题的处理优先级提高，基于提高后的处理优先级确定该异常问题的处理时效，根据本次确定的处理时效、调和参数及该异常问题涉及的总金额重新计算该异常问题的处理期限T，根据重新计算的处理期限T 将该异常问题进行排序，供处理人员进行处理，所述第一预设时间小于所述第二预设时间。
  13. 根据权利要求8所述的资金异常问题处理的方法，其特征在于，所述资金异常问题处理的方法，还包括：
    在距离该异常问题的处理期限T的截止时间为第三预设时间时，若监测到该异常问题处于已完成状态，则生成完成标识；
    若监测到该异常问题处于未完成状态，则生成提醒消息并将提醒消息发送给预定的终端，供处理人员进行处理。
  14. 根据权利要求9所述的资金异常问题处理的方法，其特征在于，所述资金异常问题处理的方法，还包括：
    在距离该异常问题的处理期限T的截止时间为第三预设时间时，若监测到该异常问题处于已完成状态，则生成完成标识；
    若监测到该异常问题处于未完成状态，则生成提醒消息并将提醒消息发送给预定的终端，供处理人员进行处理。
  15. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有处理系统，所述处理系统被处理器执行时实现步骤：
    第一确定步骤，在接收到基于资金收付的清算及核对过程中的异常问题后，确定该异常问题所属的问题类型及该异常问题涉及的总金额，所述问题类型包括收付类型及非收付类型；
    第二确定步骤，基于预先确定的问题类型、异常问题涉及的总金额与处理优先级的关联关系，确定该异常问题的处理优先级，并基于预先确定的处理优先级与处理时效的关联关系，确定该异常问题的处理时效；
    计算步骤，获取该问题类型对应的调和参数，根据所述处理时效、调和参数及该异常问题涉及的总金额计算该异常问题的处理期限T，根据所述处理期限T将各异常问题进行先后排序，供处理人员进行处理。
  16. 根据权利要求15所述的计算机可读存储介质，其特征在于，所述计算该异常问题的处理期限的步骤包括：
    处理期限T＝TD*[1.5-(2/π)*arctan(α*M)]，TD为处理时效，α为该异常问题的问题类型对应的调和参数，M为该异常问题涉及的总金额。
  17. 根据权利要求15所述的计算机可读存储介质，其特征在于，所述处理优先级包括第一优先级P1、第二优先级P2及第三优先级P3，P1>P2>P3，所述基于预先确定的问题类型、异常问题涉及的总金额与处理优先级的关联关系，确定该异常问题的处理优先级的步骤，具体包括：
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额大于第一预设金额时，则确定该异常问题的处理优先级为第一优先级P1；
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额小于等于第一预设金额且大于第二预设金额时，则确定该异常问题的处理优先级为第二优先级P2；
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额小于等于第二预设金额时，则确定该异常问题的处理优先级为第三优先级P3，所述第一预设金额大于所述第二预设金额；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额大于第三预设金额时，则确定该异常问题的处理优先级为第一优先级P1；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额小于等于第三预设金额且大于第四预设金额时，则确定该异常问题的处理优先级为第二优先级P2；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额小于等于第四预设金额时，则确定该异常问题的处理优先级为第三优先级P3，所述第三预设金额大于所述第四预设金额，所述第四预设金额大于所述第一预设金额。
  18. 根据权利要求16所述的计算机可读存储介质，其特征在于，所述处理优先级包括第一优先级P1、第二优先级P2及第三优先级P3，P1>P2>P3，所述基于预先确定的问题类型、异常问题涉及的总金额与处理优先级的关联关系，确定该异常问题的处理优先级的步骤，具体包括：
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额大于第一预设金额时，则确定该异常问题的处理优先级为第一优先级P1；
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额小于等于第一预设金额且大于第二预设金额时，则确定该异常问题的处理优先级为第二优先级P2；
    若该异常问题所属的问题类型为收付类型，且该异常问题涉及的总金额小于等于第二预设金额时，则确定该异常问题的处理优先级为第三优先级P3，所述第一预设金额大于所述第二预设金额；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额大于第三预设金额时，则确定该异常问题的处理优先级为第一优先级P1；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额小于等于第三预设金额且大于第四预设金额时，则确定该异常问题的处理优先级为第二优先级P2；
    若该异常问题所属的问题类型为非收付类型，且该异常问题涉及的总金额小于等于第四预设金额时，则确定该异常问题的处理优先级为第三优先级P3，所述第三预设金额大于所述第四预设金额，所述第四预设金额大于所述第一预设金额。
  19. 根据权利要求17或18所述的计算机可读存储介质，其特征在于，所述处理系统被所述处理器执行时，还实现如下步骤：
    对于处理优先级为第一优先级P1的异常问题，在距离处理期限T的截止时间为第一预设时间时，若监测到该异常问题处于未完成状态，则将该异 常问题标识为紧急处理状态，供处理人员优先处理；
    对于处理优先级为第二优先级P2或第三优先级P3的异常问题，在距离处理期限T的截止时间为第二预设时间时，若监测到该异常问题处于未完成状态，则将该异常问题的处理优先级提高，基于提高后的处理优先级确定该异常问题的处理时效，根据本次确定的处理时效、调和参数及该异常问题涉及的总金额重新计算该异常问题的处理期限T，根据重新计算的处理期限T将该异常问题进行排序，供处理人员进行处理，所述第一预设时间小于所述第二预设时间。
  20. 根据权利要求15所述的计算机可读存储介质，其特征在于，所述处理系统被所述处理器执行时，还实现如下步骤：
    在距离该异常问题的处理期限T的截止时间为第三预设时间时，若监测到该异常问题处于已完成状态，则生成完成标识；
    若监测到该异常问题处于未完成状态，则生成提醒消息并将提醒消息发送给预定的终端，供处理人员进行处理。
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