WO2020077837A1

WO2020077837A1 - Service data accounting method, apparatus and device, and computer-readable storage medium

Info

Publication number: WO2020077837A1
Application number: PCT/CN2018/123364
Authority: WO
Inventors: 刘鑫宇; 邓新文; 陈伟城; 冯辉; 王柳清; 顾佳页; 刘浩
Original assignee: 深圳壹账通智能科技有限公司
Priority date: 2018-10-16
Filing date: 2018-12-25
Publication date: 2020-04-23
Also published as: CN109559215A

Abstract

Disclosed are a service data accounting method, apparatus and device, and a computer-readable storage medium. The method comprises: when service data is received, checking each piece of the service data, and after the check is successful, configuring an accounting sequence for each piece of the service data based on debtor information in each piece of the service data; when an accounting request is received, reading an accounting identifier and accounting data corresponding to the accounting request, and determining, according to the accounting identifier, the service data to be accounted; and according to the sequence type of the accounting sequence of the service data to be accounted, invoking the accounting data to account the service data to be accounted. According to the solution, an accounting sequence is configured for each piece of service data based on debtor information, and each piece of service data is accounted according to the sequence type of the accounting sequence of each piece of service data so as to realize data update processing of the service data, so that the accounting method for service data is more flexible.

Description

Business data accounting method, device, equipment and computer readable storage medium The

This application requires the priority of the Chinese patent application submitted to the China Patent Office on October 16, 2018, with the application number 201811207761.9 and the invention titled "Business Data Accounting Methods, Devices, Equipment, and Computer-readable Storage Media". Incorporated by reference in the application.

Technical field

This application mainly relates to the technical field of data processing, and in particular, to a business data accounting method, device, equipment, and computer-readable storage medium.

Background technique

With the development of technology, more and more asset packages are involved in the operation of financial institutions. The asset package includes multiple pieces of business data, and each piece of business data corresponds to arrears information of arrears, including arrears The contact information of the party, the owed party, the amount owed, etc .; when the owed party repays its arrears, the financial institution needs to calculate the business data corresponding to the owed party to determine the owed party to repay the arrears The amount of arrears remaining afterwards. At present, when financial institutions account for business data of different arrears, regardless of whether the arrears of the repayment credit are good or bad, the business data is calculated in the same accounting order; the accounting method is not flexible, which is not conducive to promoting the repayment of the arrears. paragraph.

Summary of the invention

The main purpose of this application is to provide a business data accounting method, device, equipment and computer-readable storage medium, which aims to solve the problem of inflexibility in the accounting method in the prior art in which all business data are accounted according to the same accounting order .

In order to achieve the above purpose, the present application provides a business data accounting method. The business data accounting method includes the following steps:

When receiving the business data, verify each of the business data, and after the verification is successful, configure the accounting order for each of the business data based on the information of the owed party in each of the business data;

When receiving the accounting request, read the accounting identifier and accounting data corresponding to the accounting request, and determine the business data to be accounted according to the accounting identifier;

According to the sequence type of the accounting order of the business data to be accounted for, the accounting data is called to perform calculation on the business data to be calculated.

In addition, in order to achieve the above purpose, the present application also proposes a business data accounting device. The business data accounting device includes:

A configuration module, configured to verify each of the business data when receiving the business data, and configure the accounting sequence for each of the business data based on the information of the owed party in each of the business data after the verification is successful;

The determining module is configured to read the accounting identifier and accounting data corresponding to the accounting request when receiving the accounting request, and determine the business data to be accounted according to the accounting identifier;

The accounting module is configured to call the accounting data to perform accounting on the business data to be accounted according to the sequence type of the accounting order of the business data to be accounted.

In addition, in order to achieve the above object, the present application also proposes a business data accounting device. The business data accounting device includes: a memory, a processor, a communication bus, and a business data accounting program stored on the memory;

The communication bus is used to implement connection communication between the processor and the memory;

The processor is used to execute the business data accounting program to achieve the following steps:

In addition, in order to achieve the above object, the present application also provides a computer-readable storage medium that stores one or more programs, and the one or more programs may be used by one or more processors Implementation for:

In the business data accounting method of this embodiment, after successful verification of the received business data, the accounting order is configured for each business data according to the owed party information in the business data to characterize the accounting method of each business data; when the accounting is received Request, when accounting for business data is required, read the accounting identifier and accounting data corresponding to the accounting request to determine the business data to be accounted for in each business data to be accounted for by the accounting identifier; and then based on the business to be accounted The data has the sequence type of the accounting sequence, and the accounting data is called to perform accounting on the accounting business data. This solution configures the accounting order for each business data based on the information of the owed party, so that a corresponding relationship is established between the owed party and the accounting order; the difference in the accounting order, the amount repaid by the owed party is different; the information of the owed party reflects the arrears If the party has a good repayment credit, configure the accounting order of the less repayment amount; and if the arrears party information shows that the arrears have a poor repayment credit, then configure the normal repayment amount accounting order; based on the arrears The information of the party embodies the credit of the owed party, and configuring different accounting sequences for the business data makes the accounting method more flexible and facilitates the repayment of the owed party.

BRIEF DESCRIPTION

1 is a schematic flowchart of a first embodiment of a business data accounting method of this application;

2 is a schematic diagram of functional modules of the first embodiment of the business data accounting device of the present application;

FIG. 3 is a schematic diagram of a device structure of a hardware operating environment involved in the method of an embodiment of the present application.

The implementation, functional characteristics and advantages of the present application will be further described in conjunction with the embodiments and with reference to the drawings.

detailed description

It should be understood that the specific embodiments described herein are only used to explain the present application, and are not used to limit the present application.

This application provides a business data accounting method.

Please refer to FIG. 1, which is a schematic flowchart of a first embodiment of a business data accounting method of this application. In this embodiment, the business data accounting method includes:

Step S10, when receiving the business data, verify each of the business data, and after the verification is successful, configure an accounting order for each of the business data based on the information of the owed party in each of the business data;

The business data accounting method of this application is applied to a server in a financial institution, and is suitable for accounting of business data derived from an asset package through the server of the financial institution; where the asset package is the information of arrears purchased by a financial institution from a third-party institution , Each arrearage information exists in the asset package in the form of an EXCEL file, one line in the EXCEL file corresponds to a piece of arrearage information; each piece of arrearage information includes at least the name of the owed party, ID card number, contact phone number, type of arrearage , Arrearage account, arrearage amount, arrearage time and other data, characterizing each piece of information of each arrearage. Taking a piece of arrearage information as a piece of business data, the asset package includes a variety of multiple pieces of business data, and each piece of business data corresponds to a debtor. The server is connected with an information display input device, and a virtual button for importing business data is provided on the display interface of the display input device. When there is a need to import business data in the asset package, the virtual button is triggered, and the trigger operation of the virtual button is used as an import request for business data. When receiving the import request, the business data targeted by the import request is verified to ensure the security and information integrity of the business data requested for import, and the business data is verified After successful import to the server to save.

Specifically, the verification includes blacklist verification and null value verification. The data previously determined as risk in the financial institution is formed into a preset blacklist in advance, and the business data is compared with all the data in the preset blacklist to determine the business. Whether there is data in the preset blacklist in the data. When it is judged by comparison that the business data has data existing in the blacklist, it means that the business data has historical risk information, and the business data is not imported; when it is judged that the business data does not exist in the blacklist The data indicates that the business data does not have historical risk information, and the import operation is carried out; through the blacklist verification, the security of the imported business data is ensured. After checking the security of the business data, you also need to ensure the integrity of the business data; verify whether the required items in each business data are empty, and the required items are the data necessary to collect the arrears, Such as the contact number of the owed party, the amount owed, etc. When it is detected that any mandatory item in the business data is null, it means that the lack of data necessary for collection of arrears may cause financial institutions to fail to properly collect the arrears, and this missing required item Business data is not imported. In addition, you can verify whether the format of each business data meets the requirements, that is, whether the format of the business data corresponds to the format required by various types of information owed. For example, the format required by the contact number or date is digital data; This required item and the verification of the business data format are used to ensure the integrity of the imported business data and the accuracy of the format. After verifying that each business data does not have the information stored in the preset blacklist, and that the information is complete and the format is accurate, the business data can be imported into the server for storage.

Because business data exists in rows in the EXCEL of the asset package, when importing business data, each row of content in the EXCEL file is read and imported in the unit of behavior in the EXCEL file until all the data in the EXCEL file Line content is imported. In order to distinguish the imported business data, each business data is assigned a number as an identifier to form the difference between each business data, such as the first business data number 0001, the second business data number 0002 Wait.

Further, the amount owed in the business data includes the principal owed, interest owed, and the handling fee for the arrears. When the owed party repays its arrears, it can set the principal, interest or arrears. Any one of the arrearage fees is repaid; different repayment methods correspond to different accounting orders. After the verification of each business data is successful, the accounting order of each business data is configured to characterize the repayment of each owed party order. Different repayment order has an effect on the total amount of repayment. For example, if the principal owed is repaid first, the interest on the arrears will be reduced, and the total amount of repayment will be reduced; and if the interest on the arrears is paid first, it will not make the interest owed. Increase or decrease. Different business data corresponds to different arrears, and different arrears have different repayment credits. For those who have good repayment credits, you can set up to repay the principal of the arrears first, and the credit of the repayment is poor. If you owe money, you can set up a mechanism to pay the interest owed first. The quality of the repayment credit of the owed party can be characterized by the information of the owed party included in the business data, so that the information of the owed party in each business data can be read, and then the accounting order is configured according to the information of the owed party. Specifically, after the verification is successful, the steps of configuring the accounting sequence for each business data based on the owed party information in each business data include:

Step S11, when the verification success identifier is detected, the information of the owed party in each of the business data is read, and the business grade of each of the business data is classified according to the information of the owed party, wherein the owed The higher the repayment credit points corresponding to the payment party information, the higher the business level;

After performing security and integrity verification on each business data, an identifier indicating the success or failure of the verification will be generated. When a successful verification identifier indicating the success of the verification is detected, the shortfall in each business data is read. Payer information, which includes basic information of the owed party and historical information of the owed party, where the basic information is the asset information and credit information of the owed party, and historical information is the In the case of secondary arrears, after the primary arrears are repaid, the historical information formed by borrowing continues. For the arrears with multiple arrears, there is historical information and basic information; while for the arrears corresponding to the initial arrears, there is no historical information, only basic information. The arrears party information can be read directly as component data in the business data, or the arrears party identity information in the business data can be read first, and then the arrears party identity information can be further read by the arrears party identity information. Different owed parties have different historical information and basic information, which can reflect the quality of the repayment credit of the owed party, and the quality of the repayment credit is reflected in the repayment credit points ; The higher the repayment credit points, the better the repayment credit situation.

When the owed party information includes basic information and historical information, the historical information is preferred to reflect the repayment credit; when the owed party information includes only basic information, the repayment credit is reflected based on the basic information; The credit points are used to classify the business grade, characterize the business grade possessed by various business data, and reflect the quality of the credit owed to the party. When there is less overdue repayment by the owed party in the historical information, it means that its historical repayment credit is better, the repayment credit score is higher, and a higher business level is divided; and when the owed party in the historical information is overdue If there are many cases, it means that its historical repayment credit is poor, the repayment credit points are low, and the lower business level is divided. Pre-set the correspondence between the overdue repayment rate and the repayment credit points, as well as the repayment credit points and the business level, and generate the overdue repayment rate of the owed party through the historical information in the owed party information; The corresponding relationship between the repayment rate and the repayment credit point determines the repayment credit point corresponding to the overdue repayment rate, and then the business relationship corresponding to the repayment credit point is determined by the correspondence relationship between the repayment credit point and the business level , The business data from which the information of the owed party is derived is classified into the business level. Similarly, the basic information and the repayment credit points, and the correspondence between the repayment credit points and the business level are set in advance, and the basic information in the read debtor information is compared with the set basic information; The basic information in the basic information that is consistent with the basic information in the owed party information is used as the repayment credit point corresponding to the basic information in the owed party information, and then the repayment The correspondence between the credit points and the business level determines the business level corresponding to the repayment credit point, and divides the business data having the information of the owed party into the business level.

In step S12, according to the correspondence between the preset service level and the accounting order, the accounting order is configured for each of the business data having the divided service levels.

Furthermore, when configuring the accounting sequence for the principal, interest and arrearage included in the amount of arrears in the business data, it differs according to the business level of each business data. For example, the owed party in the business data with a higher business level can be set as the repayment method of repaying the principal owed and then repaying the interest on the owed debt, and the accounting order of the repayment method is to first calculate the arrearage principal and then calculate Interest owed; the owed party in the business data with a lower business level is set to the method of repaying the interest on the arrears and then the principal of the arrears, and the accounting order for the repayment method is to calculate the interest on the arrears first Recalculate the principal owed, etc. Correspondence between the business level and the accounting order is set in advance. After dividing the business level for each business data, the server determines the business data with different business levels according to the preset correspondence between the business level and the accounting order. Configure the accounting order, that is, configure the accounting order for the principal owed, interest owed, and handling fee, so that when the repayment amount of the owed party is received, the accounting is performed according to the accounting order.

Step S20, when receiving the accounting request, read the accounting identifier and accounting data corresponding to the accounting request, and determine the business data to be accounted according to the accounting identifier;

When receiving the repayment amount of the arrears of the arrears of the arrears, the arrears of the arrears need to be accounted to determine the remaining arrears after the repayment operation; And can automatically trigger the accounting request when the payment amount is received. The accounting request carries the accounting identifier that characterizes the source of the repayment amount and the accounting data of the amount of the repayment amount, that is, the accounting identifier characterizes which business data is owed, and the accounting data represents the arrears The amount of payment by the payer for the amount owed. Use the triggered accounting request as the received accounting request. When receiving the accounting request, read the accounting identifier and accounting data carried in it, and determine the pending accounting required in each business data according to the accounting identifier Accounting business data to use the accounting data to calculate the business data to be accounted for.

In step S30, according to the sequence type of the accounting order of the business data to be accounted for, the accounting data is called to perform calculation on the business data to be calculated.

Understandably, since each business data is configured with its own accounting order, the determined business data to be accounted for also carries the corresponding accounting order; the order type of the reading order is read, and the order type represents the accounting Sequential method, may include from arrearage principal, arrearage interest to arrearage fee, from arrearage interest, arrearage principal to arrearage fee, or from arrearage fee, arrearage interest, arrearage principal Equal order type. According to the order type of the accounting order of the business data to be accounted, use the accounting data to calculate the accounting business data; if the order type is arrearage principal, arrearage interest to arrearage handling fee, then use the accounting data first Calculate the arrearage principal, after the arrearage principal calculation is completed, that is, the owed party will use the accounting data to calculate the interest on the arrears after the repayment of the principal owed, and finally use the accounting data to calculate the arrearage fee Perform accounting until the arrears are fully repaid.

Further, in another embodiment of the business data accounting method of the present application, the accounting data is used to perform accounting on the business data to be accounted according to the sequence type of the accounting order of the business data to be accounted for The steps include:

Step S31: Read the type identifier of the accounting order of the business data to be accounted, and determine the order type of the accounting order of the business data to be accounted according to the type identifier;

Further, in order to characterize the sequence type of the accounting sequence, different type identifiers are set for different sequence types. When performing accounting on the business data to be audited, the type identifier of the accounting order of the business data to be accounted for is read, and the The type identifier read and the set type identifier of each sequence type are compared to determine the sequence type of the accounting order of the business data to be accounted for. Specifically, the sequence type from arrearage principal, arrearage interest to arrearage fee is regarded as a kind of accounting sequence, and a corresponding type of identifier is set; from arrearage interest, arrearage principal to arrearage procedure The order type of the fee is regarded as the second-class accounting order, and the corresponding second-class identification is set; the order type from the arrearage fee, interest owed to the principal owed as the three-category accounting order, and the corresponding three types are set Logo. Compare the read type identifier with the first type, second type and third type respectively. After comparison, the sequence type corresponding to the same type of identification is the sequence type corresponding to the business data to be accounted. Type for accounting.

Step S32, when the sequence type is a type of accounting sequence, the accounting data is called to perform accounting on the principal data in the business data to be accounted for;

When it is determined by comparison that the order type of the accounting order of the business data to be accounted is a type of accounting order, it means that the accounting order of the business data to be accounted is the principal of arrears, interest on arrears, and arrears handling fee. The payment data shall be accounted for the gold data in the accounting business data. The repayment data is the repayment amount repaid by the owed party's current repayment operation, and the gold data is the remaining principal owed by the owed party before the current repayment operation; The amount of payment, that is, the principal gold data minus the accounting data, and the result of the subtraction is the principal remaining owed by the owed party after the current repayment operation. When the arrears of the principal of the arrears are all repaid, then the interest on the arrears is further calculated, and the interest on the arrears in the business data to be calculated minus the amount repaid by the arrears is used to calculate the interest on the arrears . When the arrearage interest repayment is completed, the arrearage fee is further calculated, and the arrearage fee in the business data to be calculated minus the repayment amount repaid by the owed party is used to account for the arrearage fee; After the repayment of the payment fee is completed, it is determined that the arrears party has completed the repayment of the arrearage amount represented by the accounting business data. Because in a type of accounting sequence, the interest on the arrears is accounted only after the repayment of the principal of the arrears is completed; therefore, when the principal of the arrears is accounted, it is necessary to determine whether the principal of the arrears is repaid; specifically, call The steps of accounting data to calculate the gold data in the accounting business data include:

Step S321, judging whether the data value of the gold data in the data to be calculated is a preset value, and if the data value of the gold data is a preset value, calling the accounting data to the business data to be calculated Accounting of interest sub-data;

The principal owed by the owed party is a certain value, that is, the data value of the principal gold data in the data to be calculated is constant, and the data value decreases with the repayment operation; when it is reduced to the preset value, it is judged The repayment of the principal owed is completed. The preset value is a preset value, preferably 0. When calculating the gold data, first determine whether the data value of the gold data in the data to be calculated is the preset value. If it is the preset value, it means that the principal owed has been repaid, and the accounting data needs to be treated. Accounting of interest sub-data. The interest sub-data is the arrearage interest in the arrearage amount represented by the business data to be accounted, and the accounting data is called to calculate the interest sub-data in the accounting business data, that is, the interest sub-data is subtracted from the accounting data, and the obtained The result is the interest owed by the owed party after the current repayment operation.

Understandably, for the calculation of the arrearage fee in the first-class accounting sequence, the payment of the arrearage interest is completed; when the interest subdata is calculated, it is determined whether the data value of the interest subdata is the preset value; If it is a preset value, it means that the arrearage interest has been repaid, and the accounting data is called to calculate the fee sub-data in the accounting business data, which is the arrears in the amount of arrears represented by the business data to be accounted Payment fee; use the sub-data of the fee to subtract the accounting data during the calculation, until the data value of the arrearage fee is the preset value, and complete the repayment of all the arrears of the owed party.

In step S322, if the data value of the gold data is not a preset value, a step of calling the accounting data to calculate the gold data in the business data to be calculated is executed.

When it is judged that the data value of the gold data is not the preset value, it means that the principal owed has not been repaid. Continue to calculate the gold data in the accounting business data; subtract the accounting data from the gold data to obtain The remaining principal repayment is required until the principal repayment is completed.

Step S33, when the sequence type is a second-class accounting sequence, the accounting data is called to perform accounting on the interest sub-data in the business data to be accounted for;

Further, when it is determined by comparison that the order type of the accounting order of the business data to be accounted is the second-class accounting order, it indicates that the accounting order of the business data to be accounted is the arrearage interest, arrearage principal and arrearage fee, Therefore, the repayment data is called to calculate the interest sub-data in the accounting business data. In the calculation, the sub-data of interest is used to subtract the calculation data, and the result of the subtraction is the remaining interest of the arrears that needs to be paid after the current repayment operation. When the interest owed by the owed party is repaid, the principal of the arrears is further calculated, and the principal owed in the business data to be accounted for is subtracted from the repayment amount owed by the owed party Perform accounting. When the repayment of the principal of the arrears is completed, the arrears handling fee is further calculated, and the arrears handling fee in the business data to be calculated minus the repayment amount repaid by the owed party is used to account for the arrears handling fee; After the repayment of the arrearage fee is completed, it is determined that the arrears party has completed the repayment of the arrearage amount represented by the accounting business data.

Similarly, in the second-class accounting sequence, the calculation of the principal of arrears depends on the completion of the arrearage interest repayment, and the calculation of the arrearage fee depends on the completion of the arrearage interest repayment; When calculating the principal of arrears, check whether the data value of the interest sub-data is the preset value, and if it is the preset value, perform the calculation of the principal of the arrears; and when the data value of the principal data is detected as the preset value , The accounting for the arrears will be carried out.

Step S34, when the sequence type is three types of accounting sequences, the accounting data is called to perform accounting on the fee sub-data in the business data to be accounted for.

Furthermore, if it is determined by comparison that the order type of the accounting order of the business data to be accounted is three types of accounting orders, the accounting order of the business data to be accounted is the arrearage fee, arrearage interest and arrear principal , So as to call the repayment data to calculate the fee sub-data in the accounting business data. In the accounting, the sub-data on the handling fee is used to subtract the accounting data. The result of the subtraction is the remaining handling fee that the owed party needs to repay after the current repayment operation. After the repayment of the arrears of the owed party is completed, the interest on the arrears is further calculated, and the interest in the business data to be accounted for is subtracted from the amount repaid by the owed party to account for the arrears. When the arrearage interest repayment is completed, the arrearage principal is further calculated, and the arrearage principal in the business data to be calculated minus the repayment amount repaid by the arrears is used to account for the arrearage principal; After the repayment of the principal amount is completed, it is determined that the arrears party has completed the repayment of the arrearage amount represented by the accounting business data.

Similarly, in the three types of accounting sequence, the calculation of the arrearage interest depends on the completion of the arrearage fee repayment, and the calculation of the arrearage principal depends on the completion of the arrearage interest repayment; During accounting and arrearage interest calculation, it is checked whether the data value of the handling fee sub-data is the preset value, if it is the preset value, the arrearage interest is calculated; and when the data value of the interest sub-data is detected as the preset value , Then the principal of the arrears is calculated.

Further, in another embodiment of the business data accounting method of the present application, the step of configuring the accounting order for each of the business data based on the owed party information in each of the business data after the verification succeeds includes:

Step S40: Read the purchase cost data of the asset package from which each of the business data originates, the total amount of arrearage of the asset package, and the arrearage sub-data of each of the business data;

Understandably, because the asset package from which the business data originates is purchased by a financial institution from a third party, procurement costs are required; and the collection of the amount owed in the business data is regarded as the income of the financial institution, and due to different business data The different amounts of the arrearages represented are different, so that the corresponding benefits are different. In order to use the purchase cost to reflect the profit size of each business data, the purchase cost needs to be allocated to the arrearage amount of each business data. Specifically, the purchase cost data of the asset package from which each business data is derived, the total amount of arrearage of the asset package, and the sub-data of the arrearage of each business data are read; the procurement cost data is the place where the financial institution purchases the asset package Purchase cost spent, the total amount of arrears is the sum of the amount of arrears represented by the business data in the asset package, and the sub-data of arrears is the amount of arrears represented by each sub-data of arrears.

Step S50: Determine the procurement sub-cost of each of the business data based on the procurement cost data, the total amount of arrearage data and each sub-data of arrears, and use the procurement sub-cost corresponding to each of the business data Update the business data.

Further, after reading the purchase cost data, the total amount of arrearage data, and each sub-data of arrears, the purchase cost can be allocated to each business data, that is, the purchase sub-cost of each business data can be obtained. Specifically, according to the purchase cost data, the total amount of arrearage data and each arrearage sub-data, the steps to determine the purchase sub-cost of each business data include:

Transferring the purchase cost data, the total amount of arrearage data and each of the arrearage sub-data to a preset formula, and generating a purchase sub-cost of each of the business data according to the preset formula;

The preset formula is: yi = m * (ni / n);

Among them, yi represents each purchase sub-cost, m represents purchase cost data, ni represents each arrearage sub-data, and n represents total arrearage data.

Enter the read purchase cost data, the total amount of arrearage data and each arrearage sub-data into the preset formulas respectively, replace m, ni and n, and the result obtained by calculation is the purchase of various business data Sub-cost. The size of each procurement sub-cost obtained varies with the arrears sub-data of each business data, and the number of procurement sub-costs is the same as the number of business data items, that is, one business data corresponds to one procurement sub-cost, Represent the cost shared by the various business data in the purchasing asset package. For example, the cost of purchasing an asset package is 10,000 yuan, and the sum of the arrearages represented by the business data in the asset package is 1 million, of which the arrearages characterized by business data M1 and M2 are 50,000 and 100,000; Then the purchase cost data read is 1, the total amount of arrears is 100, and the arrears sub-data includes 5 and 10, the purchase sub-cost of M1 is 5/100 * 1 = 500 yuan, and the purchase sub-cost of M2 is 10 / 100 * 1 = 1000 yuan. After the procurement sub-costs of all business data included in the asset package are calculated by a preset formula, the business sub-costs calculated here are used to update each business data. The update is based on the corresponding relationship between each purchase sub-cost and business data, that is, each purchase sub-cost is used to update the business data from which each purchase sub-cost is derived, to characterize the purchase cost allocated to each business sub-data.

Further, in another embodiment of the business data accounting method of the present application, after the step of calling the accounting data to perform accounting on the business data to be accounted includes:

Step S60, when the detection reaches a preset time, perform statistics on each of the accounting data to generate data on the total amount of repayment;

Understandably, during the operation of financial institutions, there is a need to view the repayment of the amount of arrears represented by their business data; the actual repayment amount is the amount of the repayment, which can be reflected in the accounting data; when the cumulative accounting The more data, the more the repayment amount. In order to reflect the repayment situation, this embodiment is provided with a mechanism to count the accounting data at a preset time every interval; where the preset time is a preset time period, which can be weekly, monthly, quarterly, etc. Calculate the accounting data monthly or quarterly to reflect the amount of repayment amount within the preset time period. Whenever the repayment amount of each arrearage party to repay the corresponding arrears is received, that is, the accounting data, the accounting data is stored; when the detection reaches the preset time, within the preset time period Statistics of each accounting data are generated to generate total repayment amount data, reflecting the amount of repayment amount within the preset time period. You can also use the upper limit of each preset time period as the time limit. If the preset time period is one week, you can use each Sunday as the time limit; all the accounting data before the time limit are counted to generate the time limit The total repayment data received before reflects the amount of all repayments before the time limit.

In step S70, the total repayment amount data and the total arrearage amount data are compared to generate the repayment rate of the asset package.

Further, the sum of the arrears of each business data in the asset package represents the total amount of arrears of the asset package, and is characterized by the data of the total arrears; after generating the data of the total amount of repayment, the data of the total amount of repayment and the debt The total amount of payment data is compared, and the result of the ratio is the repayment rate of the asset package at a preset time. When the total repayment amount data is generated by accumulating statistics of the accounting data in the preset time period, the result obtained by the ratio is the repayment rate of the asset package in the preset time period, reflecting the Business data characterizes the repayment of the arrearage amount; and when the total amount of repayment data is generated from the accumulated statistics of the accounting data before the time limit in the preset time, the result of the ratio is the repayment of the asset package before the time limit The size of the rate reflects the repayment of the amount owed by each business data before the time limit.

In order to facilitate further viewing of the repayment situation, a data report can be generated for the repayment rate at each preset time; a preset report template is preset, and the preset report template is a visual display template. The repayment rate of each preset time is transferred to the preset template, and the content of the template is replaced, and the replaced preset report template is the data report. This data report is output and displayed so that you can view the current payment status of each business data in the asset package and the current remaining amount of arrears.

In addition, referring to FIG. 2, the present application provides a business data accounting device. In the first embodiment of the business data accounting device of the present application, the business data accounting device includes:

The configuration module 10 is configured to verify each of the business data when the business data is received, and configure the accounting order for each of the business data based on the information of the owed party in each of the business data after the verification is successful ;

The determining module 20 is configured to read the accounting identifier and accounting data corresponding to the accounting request when receiving the accounting request, and determine the business data to be accounted according to the accounting identifier;

The accounting module 30 is configured to call the accounting data to perform accounting on the business data to be accounted according to the sequence type of the accounting order included in the business data to be accounted.

In the business data accounting device of this embodiment, after successful verification of the received business data, the configuration module 10 configures the accounting order for each business data according to the information of the owed party in the business data to characterize the accounting method of each business data; Upon receiving the accounting request and requiring the business data to be calculated, the determination module 20 reads the accounting identifier and the accounting data corresponding to the accounting request to determine the business data to be accounted for in each business data to be accounted for by the accounting identifier; Further, the accounting module 30 calls the accounting data to perform accounting on the accounting business data according to the sequence type of the accounting order of the business data to be accounted. This solution configures the accounting order for each business data based on the information of the owed party, so that a corresponding relationship is established between the owed party and the accounting order; the difference in the accounting order, the amount repaid by the owed party is different; the information of the owed party reflects the arrears If the party has a good repayment credit, configure the accounting order of the less repayment amount; and if the arrears party information shows that the arrears have a poor repayment credit, then configure the normal repayment amount accounting order; based on the arrears The information of the party embodies the credit of the owed party, and configuring different accounting sequences for the business data makes the accounting method more flexible and facilitates the repayment of the owed party.

Wherein, each virtual function module of the above-mentioned business data accounting device is stored in the memory 1005 of the business data accounting device shown in FIG. 3, and when the processor 1001 executes the business data accounting program, the functions of each module in the embodiment shown in FIG. 2 are realized.

It should be noted that those of ordinary skill in the art may understand that all or part of the steps to implement the above embodiments may be completed by hardware, or may be completed by a program instructing related hardware. The program may be stored in a computer-readable In the storage medium, the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk.

Referring to FIG. 3, FIG. 3 is a schematic structural diagram of a device in a hardware operating environment involved in a method according to an embodiment of the present application.

The business data accounting device in the embodiment of the present application may be a PC (personal computer, personal computer ), Or terminal devices such as smart phones, tablet computers, e-book readers, and portable computers.

As shown in FIG. 3, the service data accounting device may include: a processor 1001, such as a CPU (Central Processing) Unit, central processing unit), memory 1005, communication bus 1002. Among them, the communication bus 1002 is used to implement connection communication between the processor 1001 and the memory 1005. The memory 1005 may be a high-speed RAM (random access memory, random access memory), can also be a stable memory (non-volatile memory), such as disk storage. The memory 1005 may optionally be a storage device independent of the foregoing processor 1001.

Optionally, the service data accounting device may further include a user interface, a network interface, a camera, and RF (Radio Frequency (radio frequency) circuit, sensor, audio circuit, WiFi (Wireless Fidelity, wireless broadband) module and so on. The user interface may include a display (Display), an input unit such as a keyboard (Keyboard), and the optional user interface may also include a standard wired interface and a wireless interface. The network interface may optionally include a standard wired interface and a wireless interface (such as a WI-FI interface).

Those skilled in the art may understand that the structure of the business data accounting device shown in FIG. 3 does not constitute a limitation on the business data accounting device, and may include more or fewer components than the illustration, or a combination of certain components, or different Parts layout.

As shown in FIG. 3, the memory 1005 as a computer-readable storage medium may include an operating system, a network communication module, and a business data accounting program. The operating system is a program that manages and controls the hardware and software resources of the business data accounting equipment, and supports the operation of the business data accounting program and other software and / or programs. The network communication module is used to implement communication between various components within the memory 1005, and to communicate with other hardware and software in the business data accounting device.

In the business data accounting device shown in FIG. 3, the processor 1001 is used to execute the business data accounting program stored in the memory 1005 to implement the steps in each embodiment of the foregoing business data accounting method.

The present application provides a computer-readable storage medium that stores one or more programs, and the one or more programs may also be executed by one or more processors to implement the foregoing The steps in each embodiment of the business data accounting method.

It should also be noted that in this article, the terms "include", "include" or any other variant thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device that includes a series of elements includes not only those elements , And also include other elements that are not explicitly listed, or include elements inherent to this process, method, article, or device. Without more restrictions, the element defined by the sentence "include one ..." does not exclude that there are other identical elements in the process, method, article or device that includes the element.

The sequence numbers of the above embodiments of the present application are for description only, and do not represent the advantages and disadvantages of the embodiments.

Through the description of the above embodiments, those skilled in the art can clearly understand that the methods in the above embodiments can be implemented by means of software plus a necessary general hardware platform, and of course, can also be implemented by hardware, but in many cases the former is better Implementation. Based on this understanding, the technical solution of the present application can be embodied in the form of a software product in essence or part that contributes to the existing technology, and the computer software product is stored in a computer-readable storage medium (such as The ROM / RAM, magnetic disk, and optical disk include several instructions to enable a terminal device (which may be a mobile phone, computer, server, or network device, etc.) to perform the methods described in the embodiments of the present application.

The above are only the preferred embodiments of the present application, and therefore do not limit the patent scope of the present application. Any equivalent structural transformations made by using the description and drawings of this application under the concept of this application, or directly / indirectly used in Other related technical fields are included in the patent protection scope of this application.

Claims

A business data accounting method, characterized in that the business data accounting method includes the following steps:

When receiving the business data, verify each of the business data, and after the verification is successful, configure the accounting order for each of the business data based on the information of the owed party in each of the business data;

When receiving the accounting request, read the accounting identifier and accounting data corresponding to the accounting request, and determine the business data to be accounted according to the accounting identifier;

According to the sequence type of the accounting order of the business data to be accounted for, the accounting data is called to perform calculation on the business data to be calculated.
The business data accounting method according to claim 1, wherein the step of configuring the accounting order for each of the business data based on the owed party information in each of the business data after the verification succeeds includes:

When a successful verification identifier is detected, the information of the owed party in each of the business data is read, and the business level of each of the business data is classified according to the information of the owed party, wherein The higher the corresponding repayment credit points, the higher the business level;

According to the preset correspondence between the business level and the accounting order, configure an accounting order for each of the business data having the divided business levels.
The method for accounting for business data according to claim 1, wherein, according to the sequence type of the accounting sequence of the business data to be accounted for, the accounting data is called to perform accounting for the business data to be calculated The steps include:

Reading the type identifier of the accounting order in the business data to be accounted, and determining the order type of the accounting order in the business data to be accounted according to the type identifier;

When the sequence type is a type of accounting sequence, the accounting data is called to perform accounting on the principal gold data in the business data to be accounted for;

When the sequence type is the second-class accounting sequence, the accounting data is called to perform accounting on the interest sub-data in the business data to be accounted for;

When the sequence type is three types of accounting sequences, the accounting data is called to calculate the fee sub-data in the business data to be accounted for.
The business data accounting method according to claim 3, wherein the step of calling the accounting data to perform accounting on the principal data in the business data to be accounted includes:

Judging whether the data value of the gold data in the data to be accounted is a preset value, if the data value of the gold data is a preset value, the accounting data is called to the interest subordinate in the business data to be calculated Data calculation;

If the data value of the gold data is not a preset value, a step of calling the accounting data to calculate the gold data in the business data to be accounted is executed.
The business data accounting method according to claim 1, wherein the step of configuring the accounting order for each of the business data based on the owed party information in each of the business data after the verification succeeds includes:

Reading the purchase cost data of the asset package from which each of the business data originates, the total amount of arrearage of the asset package, and the arrearage sub-data of each of the business data;

According to the purchase cost data, the total amount of arrearage data and each arrearage sub-data, determine the purchase sub-cost of each of the business data, and use the purchase sub-cost corresponding to each of the business data The data is updated.
The business data accounting method according to claim 5, wherein the step of determining the procurement sub-cost of each of the business data based on the procurement cost data, the total amount of arrears data and each of the sub-data of arrears comprises :

Transferring the purchase cost data, the total amount of arrearage data and each of the arrearage sub-data to a preset formula, and generating a purchase sub-cost of each of the business data according to the preset formula;

The preset formula is: yi = m * (ni / n);

Among them, yi represents each purchase sub-cost, m represents purchase cost data, ni represents each arrearage sub-data, and n represents total arrearage data.
The business data accounting method according to claim 5, wherein the step of calling the accounting data to perform accounting on the business data to be accounted includes:

When the detection reaches the preset time, statistics are made on each of the accounting data to generate total repayment amount data;

Comparing the total repayment amount data and the total arrearage amount data to generate the repayment rate of the asset package.
A business data accounting device, characterized in that the business data accounting device includes:

A configuration module, configured to verify each of the business data when receiving the business data, and configure the accounting sequence for each of the business data based on the information of the owed party in each of the business data after the verification is successful;

The determining module is configured to read the accounting identifier and accounting data corresponding to the accounting request when receiving the accounting request, and determine the business data to be accounted according to the accounting identifier;

The accounting module is configured to call the accounting data to perform accounting on the business data to be accounted according to the sequence type of the accounting order of the business data to be accounted.
A business data accounting device, characterized in that the business data accounting device includes: a memory, a processor, a communication bus, and a business data accounting program stored on the memory;

The communication bus is used to implement connection communication between the processor and the memory;

The processor is used to execute the business data accounting program to achieve the following steps:

When receiving the business data, verify each of the business data, and after the verification is successful, configure the accounting order for each of the business data based on the information of the owed party in each of the business data;

When receiving the accounting request, read the accounting identifier and accounting data corresponding to the accounting request, and determine the business data to be accounted according to the accounting identifier;

According to the sequence type of the accounting order of the business data to be accounted for, the accounting data is called to perform calculation on the business data to be calculated.
The business data accounting device according to claim 9, wherein the step of configuring the accounting order for each of the business data based on the owed party information in each of the business data after successful verification includes:

When a successful verification identifier is detected, the information of the owed party in each of the business data is read, and the business level of each of the business data is classified according to the information of the owed party, wherein The higher the corresponding repayment credit points, the higher the business level;

According to the preset correspondence between the business level and the accounting order, configure an accounting order for each of the business data having the divided business levels.
The business data accounting device according to claim 9, characterized in that, according to the sequence type of the accounting order of the business data to be accounted, the accounting data is called to perform accounting on the business data to be accounted The steps include:

Reading the type identifier of the accounting order in the business data to be accounted, and determining the order type of the accounting order in the business data to be accounted according to the type identifier;

When the sequence type is a type of accounting sequence, the accounting data is called to perform accounting on the principal gold data in the business data to be accounted for;

When the sequence type is the second-class accounting sequence, the accounting data is called to perform accounting on the interest sub-data in the business data to be accounted for;

When the sequence type is three types of accounting sequences, the accounting data is called to calculate the fee sub-data in the business data to be accounted for.
The business data accounting device according to claim 11, wherein the step of calling the accounting data to perform accounting on the principal data in the business data to be accounted for includes:

Judging whether the data value of the gold data in the data to be accounted is a preset value, if the data value of the gold data is a preset value, the accounting data is called to the interest subordinate in the business data to be calculated Data calculation;

If the data value of the gold data is not a preset value, a step of calling the accounting data to calculate the gold data in the business data to be accounted is executed.
The business data accounting device according to claim 9, characterized in that after the step of configuring an accounting order for each of the business data based on the owed party information in each of the business data after the verification is successful, the The processor is used to execute the business data accounting program to achieve the following steps:

Reading the purchase cost data of the asset package from which each of the business data originates, the total amount of arrearage of the asset package, and the arrearage sub-data of each of the business data;

According to the purchase cost data, the total amount of arrearage data and each arrearage sub-data, determine the purchase sub-cost of each of the business data, and use the purchase sub-cost corresponding to each of the business data The data is updated.
The business data accounting device according to claim 13, wherein the step of determining the procurement sub-cost of each of the business data based on the procurement cost data, the total amount of arrearage data and each of the arrears sub-data includes :

Transferring the purchase cost data, the total amount of arrearage data and each of the arrearage sub-data to a preset formula, and generating a purchase sub-cost of each of the business data according to the preset formula;

The preset formula is: yi = m * (ni / n);

Among them, yi represents each purchase sub-cost, m represents purchase cost data, ni represents each arrearage sub-data, and n represents total arrearage data.
A computer-readable storage medium, characterized in that a business data accounting program is stored on the computer-readable storage medium, and the business data accounting program is executed by a processor to implement the following steps:

When receiving the business data, verify each of the business data, and after the verification is successful, configure the accounting order for each of the business data based on the information of the owed party in each of the business data;

When receiving the accounting request, read the accounting identifier and accounting data corresponding to the accounting request, and determine the business data to be accounted according to the accounting identifier;

According to the sequence type of the accounting order of the business data to be accounted for, the accounting data is called to perform calculation on the business data to be calculated.
The computer-readable storage medium according to claim 15, wherein the step of configuring the accounting order for each of the business data based on the information of the owed party in each of the business data after successful verification includes:

When a successful verification identifier is detected, the information of the owed party in each of the business data is read, and the business level of each of the business data is classified according to the information of the owed party, wherein The higher the corresponding repayment credit points, the higher the business level;

According to the preset correspondence between the business level and the accounting order, configure an accounting order for each of the business data having the divided business levels.
The computer-readable storage medium according to claim 15, wherein, according to the sequence type of the accounting order of the business data to be accounted for, the accounting data is called to perform accounting for the business data to be calculated The steps include:

Reading the type identifier of the accounting order in the business data to be accounted, and determining the order type of the accounting order in the business data to be accounted according to the type identifier;

When the sequence type is a type of accounting sequence, the accounting data is called to perform accounting on the principal gold data in the business data to be accounted for;

When the sequence type is the second-class accounting sequence, the accounting data is called to perform accounting on the interest sub-data in the business data to be accounted for;

When the sequence type is three types of accounting sequences, the accounting data is called to calculate the fee sub-data in the business data to be accounted for.
The computer-readable storage medium according to claim 17, wherein the step of calling the accounting data to calculate the principal data in the business data to be accounted for includes:

Judging whether the data value of the gold data in the data to be accounted is a preset value, if the data value of the gold data is a preset value, the accounting data is called to the interest subordinate in the business data to be calculated Data calculation;

If the data value of the gold data is not a preset value, a step of calling the accounting data to calculate the gold data in the business data to be accounted is executed.
The computer-readable storage medium according to claim 15, wherein after the step of configuring an accounting order for each of the business data based on the owed party information in each of the business data after successful verification, the The business data accounting program is executed by the processor to realize the following steps:

Reading the purchase cost data of the asset package from which each of the business data originates, the total amount of arrearage of the asset package, and the arrearage sub-data of each of the business data;

According to the purchase cost data, the total amount of arrearage data and each arrearage sub-data, determine the purchase sub-cost of each of the business data, and use the purchase sub-cost corresponding to each of the business data The data is updated.
The computer-readable storage medium of claim 19, wherein the

The step of determining the procurement sub-cost of each of the business data according to the procurement cost data, the total amount of arrears data and each sub-data of arrears includes:

Transferring the purchase cost data, the total amount of arrearage data and each of the arrearage sub-data to a preset formula, and generating a purchase sub-cost of each of the business data according to the preset formula;

The preset formula is: yi = m * (ni / n);

Among them, yi represents each purchase sub-cost, m represents purchase cost data, ni represents each arrearage sub-data, and n represents total arrearage data.