CN114240610B

CN114240610B - Automatic fund collection method, device, computer equipment and storage medium

Info

Publication number: CN114240610B
Application number: CN202111404387.3A
Authority: CN
Inventors: 朱仲龙; 柳静雅
Original assignee: CCB Finetech Co Ltd
Current assignee: CCB Finetech Co Ltd
Priority date: 2021-11-24
Filing date: 2021-11-24
Publication date: 2024-05-28
Anticipated expiration: 2041-11-24
Also published as: CN114240610A

Abstract

The application relates to an automatic fund collection method, an automatic fund collection device, computer equipment and a storage medium. The method comprises the following steps: comparing the current month summary repayment value of the sponsor organization with the current month total value, and transferring the resources corresponding to the current month total value in each sponsor organization to the first-class internal account corresponding to each sponsor organization when the current month summary repayment value is consistent with the comparison result of the current month total value; and comparing the total value of the total repayment in the preset time period of each level of the branch line with the total value of the internal account transfer, and if the total value of the total repayment is consistent with the total value of the internal account transfer, automatically calling the internal transfer component to transfer the resource corresponding to the total value of the internal account transfer to the internal account of the general line. The method can realize automatic account matching of the loan recovery funds in each period of the sponsor and the corresponding first-level branch, and then the first-level branch automatically transfers the loan recovery funds to the general branch, thereby reducing the manual operation links and improving the fund collection efficiency of securitization loans.

Description

Automatic fund collection method, device, computer equipment and storage medium

Technical Field

The present invention relates to the field of big data analysis technology, and in particular, to a method and apparatus for automatically collecting funds, a computer device, and a storage medium.

Background

Asset securitization refers to the process of issuing asset support securities based on credit upgrades by structural design with cash flows generated in the future of the underlying asset as repayment support. It is a financing form of issuing a tradeable security supported by a particular portfolio or a particular cash flow. The securitization loan belongs to one of securitization assets and an off-table loan, and repayment funds of the securitization loan need to be drawn into a designated settlement account. At present, the repayment funds stored in the internal account for securitization loan are collected to a unified account, then the transfer amount is summarized at the end of the day, and the total level transfer is performed after manual reconciliation.

At present, in the securitization recovery fund collection stage, the loan recovery fund in each period needs to be checked with the related branch, and the branch manually transfers the corresponding amount to the designated account of the general channel and the operation department, so that links and time for loan fund recovery are increased, and the risk of operation errors is easily generated, thereby reducing the fund collection efficiency of securitization loans.

Disclosure of Invention

In view of the foregoing, it is desirable to provide an automatic funds collection method, apparatus, computer device, and storage medium.

In a first aspect, the present application provides a method of automatic funds collection, the method comprising: acquiring the current month summary repayment value of each sponsor organization according to the daily running water information of each sponsor organization; calculating the current month transfer total value of the first-class branch row corresponding to each sponsor organization according to the balance information of the internal account of each sponsor organization; if the current month summary repayment value is the same as the current month transfer total value, calling an internal transfer component to transfer resources corresponding to the current month transfer total value to a first-level branch internal account corresponding to each sponsor institution, and updating repayment detail data information of each first-level branch; obtaining a total repayment value in a preset time period according to the repayment detail data information of each level of the branch line, comparing the total summarized repayment value with total value transferred from the internal account of each level of row in the preset time period; and if the total value of the summarized repayment is the same as the total value of the internal account transfer-out, calling an internal transfer component to transfer the resources corresponding to the total value of the internal account transfer-out to the internal account of the headquarter.

In one embodiment, the daily flow information includes debit flow information and credit flow information; the method for acquiring the current month summary repayment value of each agency according to the daily running water information of each agency comprises the following steps: acquiring a debit occurrence value according to the debit flow information; acquiring a lender occurrence value according to the lender flow information; and carrying out rolling calculation on the lender occurrence value and the borrower occurrence value to obtain the current month summarizing repayment value of each agency.

In one embodiment, the calculating the total value of the current month of the first-order branch corresponding to each sponsor organization according to the balance information of the internal account of each sponsor organization includes: acquiring an internal account balance table of each sponsor organization corresponding to the first-order branch line; calculating the current month transfer total value of the first-class branch corresponding to each sponsor organization according to the balance information of the internal account of each sponsor organization, wherein the method comprises the following steps: obtaining the current month transfer value of each sponsor according to the balance information in the balance table of the internal account of each sponsor; and summarizing and calculating the current month transfer amount of each agency to obtain the current month transfer total value of the first-order branch.

In one embodiment, the method further comprises: if the total repayment value in the current month is different from the total value transferred in the current month, waiting for manual processing; and when the current month summary repayment value and the current month total value are adjusted to be the same value, transferring the resources corresponding to the current month total value to the first-class internal accounts corresponding to each sponsor organization through manual operation.

In one embodiment, the updating the repayment schedule data table of each level line includes: and collecting daily running water information of each sponsor organization corresponding to the first-level branch, and updating the daily running water information of each sponsor organization in a repayment detail data table of the first-level branch.

In one embodiment, if the total value of the aggregated repayment is the same as the total value of the internal account transfer, invoking an internal transfer component to transfer the resource corresponding to the total value of the internal account to the internal account of the headquarter includes: and if the total value of the total repayment of each branch line is the same as the total value of the internal account transfer, transferring the resources corresponding to the total amount of the internal account transfer from the internal accounts of each branch line to the internal accounts of the general line by utilizing an internal transfer component.

In one embodiment, the method further comprises: if the total value of the summarized repayment is different from the total value of the internal account transfer-out, waiting for manual processing; and when the total value of the aggregated repayment and the total value of the internal account transfer-out are adjusted to be the same value, transferring money corresponding to the total amount of the internal account transfer from the internal accounts of each branch line to the internal accounts of the general line through manual operation.

In a second aspect, the present application also provides an automatic funds collection apparatus, the apparatus comprising: the repayment value acquisition module is used for acquiring the current month summarized repayment value of each agency according to the daily running water information of each agency; the transfer-out value calculation module is used for calculating the current month transfer-out total value of the first-order branch row corresponding to each sponsor organization according to the balance information of the internal account of each sponsor organization; the first account transfer module is used for calling the internal account transfer assembly to transfer the resources corresponding to the current month transfer total number value to the first-order branch internal accounts corresponding to each agency and updating the repayment detail data information of each first-order branch if the current month summary repayment number value is the same as the current month transfer total number value; a comparison module for obtaining the total value of the aggregated repayment in the preset time period according to the repayment detail data information of each level of the lines, comparing the total summarized repayment value with total value transferred from the internal account of each level of row in the preset time period; and the second transfer module is used for calling the internal transfer component to transfer the resources corresponding to the total internal account transfer value into the internal account of the headquarter if the total summarized repayment value is the same as the total internal account transfer value.

In a third aspect, the present application also provides a computer device comprising a memory and a processor, the memory storing a computer program, the processor implementing the following steps when executing the computer program: acquiring the current month summary repayment value of each sponsor organization according to the daily running water information of each sponsor organization; calculating the current month transfer total value of the first-class branch row corresponding to each sponsor organization according to the balance information of the internal account of each sponsor organization; if the current month summary repayment value is the same as the current month transfer total value, calling an internal transfer component to transfer resources corresponding to the current month transfer total value to a first-level branch internal account corresponding to each sponsor institution, and updating repayment detail data information of each first-level branch; obtaining a total repayment value in a preset time period according to the repayment detail data information of each level of the branch line, comparing the total summarized repayment value with total value transferred from the internal account of each level of row in the preset time period; and if the total value of the summarized repayment is the same as the total value of the internal account transfer-out, calling an internal transfer component to transfer the resources corresponding to the total value of the internal account transfer-out to the internal account of the headquarter.

In a fourth aspect, the present application also provides a computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of: acquiring the current month summary repayment value of each sponsor organization according to the daily running water information of each sponsor organization; calculating the current month transfer total value of the first-class branch row corresponding to each sponsor organization according to the balance information of the internal account of each sponsor organization; if the current month summary repayment value is the same as the current month transfer total value, calling an internal transfer component to transfer resources corresponding to the current month transfer total value to a first-level branch internal account corresponding to each sponsor institution, and updating repayment detail data information of each first-level branch; obtaining a total repayment value in a preset time period according to the repayment detail data information of each level of the branch line, comparing the total summarized repayment value with total value transferred from the internal account of each level of row in the preset time period; and if the total value of the summarized repayment is the same as the total value of the internal account transfer-out, calling an internal transfer component to transfer the resources corresponding to the total value of the internal account transfer-out to the internal account of the headquarter.

In a fifth aspect, the present application also provides a computer program product. The computer program product comprises a computer program which, when executed by a processor, implements the steps of: acquiring the current month summary repayment value of each sponsor organization according to the daily running water information of each sponsor organization; calculating the current month transfer total value of the first-class branch row corresponding to each sponsor organization according to the balance information of the internal account of each sponsor organization; if the current month summary repayment value is the same as the current month transfer total value, calling an internal transfer component to transfer resources corresponding to the current month transfer total value to a first-level branch internal account corresponding to each sponsor institution, and updating repayment detail data information of each first-level branch; obtaining a total repayment value in a preset time period according to the repayment detail data information of each level of the branch line, comparing the total summarized repayment value with total value transferred from the internal account of each level of row in the preset time period; and if the total value of the summarized repayment is the same as the total value of the internal account transfer-out, calling an internal transfer component to transfer the resources corresponding to the total value of the internal account transfer-out to the internal account of the headquarter.

The automatic fund collection method, the automatic fund collection device, the computer equipment and the storage medium are characterized in that the monthly summary repayment value of the sponsor institutions is compared with the monthly total transfer value, and when the monthly summary repayment value is consistent with the monthly total transfer value comparison result, the resources corresponding to the monthly total transfer value in each sponsor row are transferred to the first-level branch internal accounts corresponding to each sponsor institution; and then comparing the total value of the aggregated repayment in the preset time period of each level of branch line with the total value of the internal account transfer, and if the total value of the aggregated repayment and the total value of the internal account transfer are consistent, automatically calling the internal transfer component to transfer the resources corresponding to the total value of the internal account transfer to the internal account of the general line, so that the account checking of the loan recovery funds of each period of the sponsored line and the corresponding level of branch line is automatically realized, and the loan recovery funds are automatically transferred to the general line by the level of branch line, thereby reducing the manual operation link and improving the fund collection efficiency of the securitization loan.

Drawings

FIG. 1 is a diagram of an application environment for a funds auto-collection method in one embodiment;

FIG. 2 is a flow diagram of a method of automated funds collection in one embodiment;

FIG. 3 is a flow chart of a repayment value acquisition step in one embodiment;

FIG. 4 is a flow chart of the numerical differential operation steps in one embodiment;

FIG. 5 is a flow chart of the numerical differential operation steps in another embodiment;

FIG. 6 is a flow chart of a method of automatically collecting funds in accordance with another embodiment;

FIG. 7 is a block diagram of an automated funds collection device in accordance with one embodiment;

fig. 8 is an internal structural diagram of a computer device in one embodiment.

Detailed Description

The present application will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present application more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application.

The technical scheme of the application obtains, stores, uses, processes and the like the data, which all meet the relevant regulations of national laws and regulations. The fund automatic collection method provided by the application can be applied to an application environment shown in figure 1. Wherein the administrative server 102 communicates with the server 104 via a network and the first level of the server 106 communicates with the server 104 via a network. The server 104 obtains daily running water information of each sponsor organization from the sponsor organization server 102, and obtains the current month summary repayment value of each sponsor organization according to the daily running water information of each sponsor organization; calculating the current month transfer total value of the first-class branch corresponding to each sponsor organization according to the balance information of the internal account of each sponsor organization; if the total repayment value of the month is the same as the total value of the month, calling an internal transfer component to transfer the resources corresponding to the total value of the month to the primary branch internal accounts corresponding to each agency, and updating repayment detail data information of each primary branch; the server 104 obtains the repayment detail data information of each level of the lines from the level of the line server 106, obtains the total value of the repayment in the preset time period according to the repayment detail data information of each level of the lines, and compares the total value of the repayment with the total value of the internal account transfer of each level of the lines in the preset time period; and if the total value of the summarized repayment is the same as the total value of the internal account transfer-out, calling the internal transfer component to transfer the resource corresponding to the total value of the internal account transfer-out into the internal account of the headquarter. The sponsor server 102 may be an independent server or a server cluster composed of a plurality of servers disposed in each sponsor, and the first-level server 106 may be an independent server or a server cluster composed of a plurality of servers disposed in each first-level.

In one embodiment, as shown in fig. 2, there is provided an automatic funds collection method, which is described by taking the server 104 in fig. 1 as an example, and includes the following steps:

S202, acquiring the current month summary repayment value of each agency according to the daily running water information of each agency.

The daily flow information comprises a user name, a user card number, a transaction account number, transaction time, a abstract and transaction amount. The daily running water information of each sponsor organization is divided into account-out running water information and account-in running water information according to the transaction amount in the daily running water information.

Specifically, the daily running water information is arranged in a repayment data detail table of each agency, and the daily running water information of each agency in the current month is summarized every month to obtain the current month repayment amount of each agency in the current month.

S204, calculating the total value of the current month of the first-class row corresponding to each agency according to the balance information of the internal account of each agency.

The balance information of the internal account comprises the time of each transaction, the amount of the transaction and the balance value in the internal account.

Specifically, the balance value in the internal account corresponding to the last transaction time of the current month and the balance value in the internal account corresponding to the last transaction occurrence time of the last month are found out from the internal account balance information of each agency, the internal account balance value corresponding to the last transaction time of the current month is subtracted from the internal account balance value corresponding to the last transaction time of the last month to obtain the current month transfer-out total value of each agency, and then the current month transfer-out values of all the agencies corresponding to a specific class are summarized to obtain the current month transfer-out total value of the class corresponding to each agency.

S206, if the current month total repayment value is the same as the current month total value, calling the internal transfer component to transfer the resources corresponding to the current month total value to the primary branch internal accounts corresponding to each agency, and updating repayment detail data information of each primary branch.

Wherein the internal transfer component is an interface that can be connected to an internal account database of each of the sponsors. And after the server verifies that the comparison result of the current month total repayment value and the current month total payment value is consistent, calling the internal transfer component to modify balance data in an internal account database of each sponsor.

Specifically, comparing the current month summary repayment value obtained in S202 with the current month total value obtained in S204, and if the current month total repayment value and the current month total value are consistent, calling the internal transfer component to transfer the resources corresponding to the current month summary repayment value from the internal account of each sponsor institution to the internal account of the first-class row corresponding to each sponsor institution by the server.

In addition, it is worth to say that, after the server verifies that the comparison result of the current month total repayment value and the current month total value is consistent, the server can update the repayment detail data information of the corresponding first-order branch according to the current month running water information of each agency.

S208, obtaining the total value of the aggregated repayment in the preset time period according to the repayment detail data information of each level of the branch line, and comparing the total value of the summarized repayment with the total value of the internal account transfer-out of each level of the line in the preset time period.

Specifically, according to the repayment detail data information of each level of the lines updated in the step S206, obtaining a summary repayment value of each level of the lines within a preset time period; when the primary branch receives the corresponding account transfer of each sponsor organization, the balance of the internal account is updated, the internal account transfer-out value of each primary branch is calculated through the balance information of the internal account, and the total value of the total repayment of all primary branches in a preset time period is compared with the total value of the internal account transfer-out value of all primary branches.

S210, if the total value of the aggregated repayment is the same as the total value of the internal account transfer, calling the internal transfer component to transfer the resources corresponding to the total value of the internal account transfer to the internal account of the headquarter

Wherein the internal transfer component may be disposed on a server of the headquarter, the component may be an interface that may be connected to an internal account database of each level of the headquarter.

Specifically, according to the comparison result obtained in S208, if the comparison result is consistent, the server transfers the resource corresponding to the total amount of the internal account transfer from the internal accounts of each branch to the internal account of the general branch by using the internal transfer component.

In the automatic fund collection method, the current month collected repayment value and the current month transfer total value of the sponsor institutions are compared, and when the comparison result of the current month collected repayment value and the current month transfer total value is consistent, the resources corresponding to the current month transfer total value in each sponsor institution are transferred to the first-level branch internal account corresponding to each sponsor institution; and then comparing the total value of the aggregated repayment in the preset time period of each level of branch line with the total value of the internal account transfer, and if the total value of the aggregated repayment and the total value of the internal account transfer are consistent, automatically calling the internal transfer component to transfer the resources corresponding to the total value of the internal account transfer to the internal account of the general line, so that the account checking of the loan recovery funds of each period of the sponsored line and the corresponding level of branch line is automatically realized, and the loan recovery funds are automatically transferred to the general line by the level of branch line, thereby reducing the manual operation link and improving the fund collection efficiency of the securitization loan.

In one embodiment, as shown in FIG. 3, the daily flow information includes debit flow information and credit flow information; acquiring the current month summary repayment value of each sponsor organization according to the daily running water information of each sponsor organization, wherein the method comprises the following steps:

s302, obtaining the debit occurrence value according to the debit flow information.

The borrower running water information refers to account entering running water information in daily running water information, wherein the account entering running water information refers to running water information with transaction amount larger than zero. The account entry running water information contains various accounting subjects including principal, interest and other subjects. The debit occurrence value refers to the amount of the debit in the sponsor.

Specifically, in the sponsor institution, according to the repayment accounting subjects selected by the user, the repayment of the user is recorded under the corresponding repayment accounting subjects, and then all repayment amounts under principal, interest and other subjects are accumulated to obtain the occurrence value of the borrower.

S304, obtaining the credit occurrence value according to the credit flow information.

The lender running water information refers to the billing running water information in the daily running water information, wherein the billing running water information refers to the running water information with the transaction amount smaller than zero. The account-out running water information contains various accounting subjects including principal, interest and other subjects. The credit occurrence value refers to the amount of the posting in the sponsor.

Specifically, in the sponsor institution, according to the repayment accounting subjects selected by the user, the repayment of the user is recorded under the corresponding repayment accounting subjects, and then all repayment amounts under principal, interest and other subjects are accumulated to obtain the credit occurrence value.

And S306, performing rolling calculation on the lender occurrence value and the borrower occurrence value to obtain the current month summary repayment value of each agency.

Subtracting the lender occurrence value obtained in the step S304 from the borrower occurrence value obtained in the step S302 to obtain the current month summary repayment value of each agency.

In this embodiment, the borrower occurrence value is obtained according to the borrower running water information, the lender occurrence value is obtained according to the lender running water information, the current month summary repayment value of each sponsor organization can be obtained by performing rolling calculation on the borrower occurrence value and the lender occurrence value, the daily running water information can be automatically classified by a computer, and the current month summary repayment value of each sponsor organization can be accurately and rapidly calculated according to the running water information of the sponsor organization.

In one embodiment, as shown in fig. 4, the method further comprises: and S402, if the total repayment value in the month is different from the total value transferred out in the month, waiting for manual processing. And S404, when the current month summary repayment value and the current month total value are adjusted to be the same value, transferring the resources corresponding to the current month total value into the first-class internal accounts corresponding to each agency through manual operation.

If the server compares the current month collected repayment values of all the sponsors with the current month transferred total values, and finds that the current month collected repayment values are inconsistent with the current month transferred total values, a warning is required to be sent to the client to instruct a bank financial manager to manually check accounts. When the account with the error record is found out through manual checking, manual modification operation is carried out until the monthly summary repayment value of all the sponsors is consistent with the comparison result of the monthly total transfer value, and then the resources corresponding to the monthly total transfer value are transferred to the first-level internal accounts corresponding to all the sponsors through manual operation.

Likewise, as shown in fig. 5, the method further includes: s502, if the total value of the summarized repayment is different from the total value of the internal account transfer-out, waiting for manual processing. And S504, when the total value of the aggregated repayment and the total value of the internal account transfer-out are adjusted to be the same value, transferring money corresponding to the total amount of the internal account transfer from the internal accounts of each branch to the internal accounts of the headquarters through manual operation.

If the server compares the total value of the total repayment of all the level branch lines with the total value of the total value transferred out of the internal account, and finds that the two values are inconsistent, a warning needs to be sent to the client to instruct a bank financial manager to manually check the account. When the account with the error record is found out through manual checking, manual modification operation is carried out until the summarized repayment values of all the level lines are consistent with the comparison result of the internal account transfer values, and then the resources corresponding to the summarized repayment values are transferred to the internal account of the headquarter through manual operation.

In this embodiment, if the accounting of the sponsor organization is not usual, automatic transfer between the sponsor organization and the first-level branch is stopped, and manual verification is performed, so that the error rate in the loan fund recycling process is reduced.

In one embodiment, as shown in FIG. 6, a flow diagram of a method for automatically collecting returns from a sponsor to a headquarters in a recovery funds collection stage is presented.

S1, performing office-level scribing every day: the running water information related to securities principal, interest and other departments in the daytime of the sponsor institution is screened and summarized and stored in the securities repayment flow water meter for later summarization of the money transfer amount data. Screening securitization repayment related running water in loan accounting running water, generating records for transferring internal accounts after the securitization repayment related running water is summarized according to the currency amount of an organization, distinguishing principal recovery, interest recovery and other recovery according to the type of the amount, then calling a deposit component, and transferring repayment of customers collected on the same day to internal accounts of a corresponding classified sponsor organization.

S2, carrying out grouping level summarization from a business organization per month: taking the monthly occurrence amount in the internal account balance table of each sponsor institution, differentiating principal, interest and other (fees) according to the account type, and calculating the transfer amount (credit occurrence amount-debit occurrence amount) by rolling the account; collecting the current month repayment amount data in the repayment flow list, summarizing the current month repayment detail data according to the line and account types (principal, interest and others), comparing the rolling result with the summarizing result, if the rolling result is the same, setting the rolling result to be in an upper drawing state, calculating the actual repayment amount according to the repayment percentage parameter, calling an internal account component to conduct the repayment from the line to the internal account of the first line, otherwise setting the internal account to be in a state waiting for manual processing; if the states are the same, the state is set to be in a waiting manual processing state, and after the manual confirmation is needed, the operation of drawing accounts is manually invoked.

S3, summarizing the level of the first-level line to the total line level in a preset time period: the actual internal account transfer amount of the day, month, season and year is calculated by the internal account balance table of each sponsor organization, and whether the billing amount is consistent with the internal account transfer amount is checked according to the securitization primary branch line transfer statement table. The specific operation is as follows:

1) And summarizing data in the accounting detail table according to accounting subjects, the first-level branch lines and project dimensions to obtain upper-line data, and writing the upper-line data into the first-level branch line scribing table.

2) And counting the daily loan occurrence amount within a preset time period according to the internal account balance table of the first-order branch.

3) Comparing the summarized data of the internal account table and the first-level branch line drawing table, setting the state as transferring to manual transfer if the comparison is inconsistent, and executing payment settlement transfer by using the manual; and if the comparison results are consistent, setting the state as waiting for upper drawing, updating the project drawing information table, and maintaining the securitization project drawing table.

S4, the specific steps for entering the manual processing stage are as follows:

When the state is waiting for manual processing, selecting an adjustment mode; if the adjustment mode is the out-of-system adjustment mode, the manual account drawing is carried out by the line business personnel, if the adjustment mode is the in-system adjustment mode, the securitization one-level line drawing list is automatically maintained, and if the automatic maintenance operation fails, the upper account drawing amount is manually adjusted after the manual intervention record is recorded by the system, wherein the manual adjustment of the upper account drawing amount comprises the automatic recording of the manual intervention, updating of the securitization and line drawing intervention list and the inquiry of the securitization and line drawing intervention list.

It should be understood that, although the steps in the flowcharts of fig. 2-6 are shown in order as indicated by the arrows, these steps are not necessarily performed in order as indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least a portion of the steps of fig. 2-6 may include multiple steps or stages that are not necessarily performed at the same time, but may be performed at different times, nor does the order in which the steps or stages are performed necessarily occur sequentially, but may be performed alternately or alternately with other steps or at least a portion of the steps or stages in other steps.

In one embodiment, as shown in fig. 7, there is provided an automatic funds collection apparatus 700 comprising: a payoff value acquisition module 702, a transfer value calculation module 704, a first transfer module 706, a comparison module 708, and a second transfer module 710, wherein:

The repayment value acquisition module 702 is configured to acquire a current month summary repayment value of each sponsor organization according to daily running water information of each sponsor organization;

The roll-out value calculation module 704 is configured to calculate a total roll-out value of the current month of the first-order branch corresponding to each sponsor institution according to the balance information of the internal account of each sponsor institution;

the first account transfer module 706 is configured to, if the current month aggregate payment value is the same as the current month transfer total value, invoke an internal account transfer component to transfer a resource corresponding to the current month transfer total value to a first-level branch internal account corresponding to each sponsor, and update payment detail data information of each first-level branch;

A comparison module 708, configured to obtain a total payment value in a preset time period according to the payment details data information of each level of the line, comparing the total summarized repayment value with total value transferred from the internal account of each level of row in the preset time period;

And the second transfer module 710 is configured to invoke an internal transfer component to transfer a resource corresponding to the total internal account transfer count value to an internal account of the headquarter if the total aggregate payoff count value is the same as the total internal account transfer count value.

According to the automatic fund collection device, the current month collected repayment value and the current month transfer total value of the sponsor institutions are compared, and when the comparison result of the current month collected repayment value and the current month transfer total value is consistent, the resources corresponding to the current month transfer total value in each sponsor institution are transferred to the first-level branch internal accounts corresponding to each sponsor institution; and then comparing the total value of the aggregated repayment in the preset time period of each level of branch line with the total value of the internal account transfer, and if the total value of the aggregated repayment and the total value of the internal account transfer are consistent, automatically calling the internal transfer component to transfer the resources corresponding to the total value of the internal account transfer to the internal account of the general line, thereby realizing the automatic check-out of the loan recovery funds of each period of the sponsored line and the corresponding level of branch line, and automatically transferring the loan recovery funds to the general line by the level of branch line, thereby reducing the manual operation link and improving the fund collection efficiency of the securitized loan.

In one embodiment, the payoff value acquisition module 702 includes: the borrower value submodule is used for acquiring a borrower occurrence value according to the borrower flow information; the lender value sub-module is used for acquiring lender occurrence values according to the lender flow information; and the repayment value sub-module is used for calculating the credit occurrence value and the debit occurrence value by rolling difference to obtain the current month summarization repayment value of each agency.

In an embodiment, the roll-out value calculation module 704 is further configured to obtain an internal account balance table of each sponsor corresponding to the first-level line; the roll-out value calculation module 704 includes: the output value generation sub-module is used for obtaining the current month output value of each sponsor organization according to the balance information in the balance table of the internal account of each sponsor organization; and the total value generation sub-module is used for summarizing and calculating the current month transfer amount of each agency to obtain the current month transfer total value of the first-class line.

In an embodiment, the device further comprises: the manual processing sub-module is used for waiting for manual processing if the current month summary repayment value is different from the current month total value; and the manual drawing sub-module is used for transferring the resources corresponding to the current month transfer total number value to the first-class branch internal accounts corresponding to each agency through manual operation when the current month collection repayment value and the current month transfer total number value are adjusted to be the same value.

In one embodiment, the first transfer module 706 is further configured to collect daily running water information of each of the sponsors corresponding to the first level of organization, and update the daily running water information of each of the sponsors in the repayment details data table of the first level of organization.

In an embodiment, the second transfer module 710 is configured to transfer, if the total value of the total payouts of the respective branch lines is the same as the total value of the internal account payouts, a resource corresponding to the total value of the internal account payouts from the internal accounts of the respective branch lines to the internal accounts of the total line by using the internal transfer component.

In an embodiment, the device further comprises: the manual processing sub-module is used for waiting for manual processing if the total value of the summarized repayment is different from the total value of the internal account transfer; and the manual account drawing sub-module is used for drawing money corresponding to the total amount drawn by the internal account from the internal accounts of each branch through manual operation when the total value of the summarized and repayment and the total value drawn by the internal account are adjusted to be the same value.

For specific limitations on the funds auto-collection device, reference may be made to the limitations of the funds auto-collection method hereinabove, and no further description is given here. The various modules in the funds auto-collection device described above may be implemented in whole or in part by software, hardware, and combinations thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.

In one embodiment, a computer device is provided, which may be a server, and the internal structure of which may be as shown in fig. 8. The computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is used to store internal account data for each branch. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program when executed by a processor implements a method of automated funds collection.

It will be appreciated by those skilled in the art that the structure shown in fig. 8 is merely a block diagram of a portion of the structure associated with the present inventive arrangements and is not limiting of the computer device to which the present inventive arrangements are applied, and that a particular computer device may include more or fewer components than shown in fig. 8, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device is provided comprising a memory and a processor, the memory having stored therein a computer program, the processor when executing the computer program performing the steps of: acquiring the current month summary repayment value of each sponsor organization according to the daily running water information of each sponsor organization; calculating the current month transfer total value of the first-class branch row corresponding to each sponsor organization according to the balance information of the internal account of each sponsor organization; if the current month summary repayment value is the same as the current month transfer total value, calling an internal transfer component to transfer resources corresponding to the current month transfer total value to a first-level branch internal account corresponding to each sponsor institution, and updating repayment detail data information of each first-level branch; obtaining a total repayment value in a preset time period according to the repayment detail data information of each level of the branch line, comparing the total summarized repayment value with total value transferred from the internal account of each level of row in the preset time period; and if the total value of the summarized repayment is the same as the total value of the internal account transfer-out, calling an internal transfer component to transfer the resources corresponding to the total value of the internal account transfer-out to the internal account of the headquarter.

In one embodiment, the processor when executing the computer program further performs the steps of: acquiring a debit occurrence value according to the debit flow information; acquiring a lender occurrence value according to the lender flow information; and carrying out rolling calculation on the lender occurrence value and the borrower occurrence value to obtain the current month summarizing repayment value of each agency.

In one embodiment, the processor when executing the computer program further performs the steps of: acquiring an internal account balance table of each sponsor organization corresponding to the first-order branch line; calculating the current month transfer total value of the first-class branch corresponding to each sponsor organization according to the balance information of the internal account of each sponsor organization, wherein the method comprises the following steps: obtaining the current month transfer value of each sponsor according to the balance information in the balance table of the internal account of each sponsor; and summarizing and calculating the current month transfer amount of each agency to obtain the current month transfer total value of the first-order branch.

In one embodiment, the processor when executing the computer program further performs the steps of: and collecting daily running water information of each sponsor organization corresponding to the first-level branch, and updating the daily running water information of each sponsor organization in a repayment detail data table of the first-level branch.

In one embodiment, the processor when executing the computer program further performs the steps of: and if the total value of the total repayment of each branch line is the same as the total value of the internal account transfer, transferring the resources corresponding to the total amount of the internal account transfer from the internal accounts of each branch line to the internal accounts of the general line by utilizing an internal transfer component.

In one embodiment, the processor when executing the computer program further performs the steps of: if the total value of the summarized repayment is different from the total value of the internal account transfer-out, waiting for manual processing; and when the total value of the aggregated repayment and the total value of the internal account transfer-out are adjusted to be the same value, transferring money corresponding to the total amount of the internal account transfer from the internal accounts of each branch line to the internal accounts of the general line through manual operation.

In one embodiment, the computer program when executed by the processor further performs the steps of: acquiring the current month summary repayment value of each sponsor organization according to the daily running water information of each sponsor organization; calculating the current month transfer total value of the first-class branch row corresponding to each sponsor organization according to the balance information of the internal account of each sponsor organization; if the current month summary repayment value is the same as the current month transfer total value, calling an internal transfer component to transfer resources corresponding to the current month transfer total value to a first-level branch internal account corresponding to each sponsor institution, and updating repayment detail data information of each first-level branch; obtaining a total repayment value in a preset time period according to the repayment detail data information of each level of the branch line, comparing the total summarized repayment value with total value transferred from the internal account of each level of row in the preset time period; and if the total value of the summarized repayment is the same as the total value of the internal account transfer-out, calling an internal transfer component to transfer the resources corresponding to the total value of the internal account transfer-out to the internal account of the headquarter.

In one embodiment, the computer program when executed by the processor further performs the steps of: acquiring a debit occurrence value according to the debit flow information; acquiring a lender occurrence value according to the lender flow information; and carrying out rolling calculation on the lender occurrence value and the borrower occurrence value to obtain the current month summarizing repayment value of each agency.

In one embodiment, the computer program when executed by the processor further performs the steps of: acquiring an internal account balance table of each sponsor organization corresponding to the first-order branch line; calculating the current month transfer total value of the first-class branch corresponding to each sponsor organization according to the balance information of the internal account of each sponsor organization, wherein the method comprises the following steps: obtaining the current month transfer value of each sponsor according to the balance information in the balance table of the internal account of each sponsor; and summarizing and calculating the current month transfer amount of each agency to obtain the current month transfer total value of the first-order branch.

In one embodiment, the computer program when executed by the processor further performs the steps of: if the total repayment value in the current month is different from the total value transferred in the current month, waiting for manual processing; and when the current month summary repayment value and the current month total value are adjusted to be the same value, transferring the resources corresponding to the current month total value to the first-class internal accounts corresponding to each sponsor organization through manual operation.

In one embodiment, the computer program when executed by the processor further performs the steps of: and collecting daily running water information of each sponsor organization corresponding to the first-level branch, and updating the daily running water information of each sponsor organization in a repayment detail data table of the first-level branch.

In one embodiment, the computer program when executed by the processor further performs the steps of: and if the total value of the total repayment of each branch line is the same as the total value of the internal account transfer, transferring the resources corresponding to the total amount of the internal account transfer from the internal accounts of each branch line to the internal accounts of the general line by utilizing an internal transfer component.

In one embodiment, the computer program when executed by the processor further performs the steps of: if the total value of the summarized repayment is different from the total value of the internal account transfer-out, waiting for manual processing; and when the total value of the aggregated repayment and the total value of the internal account transfer-out are adjusted to be the same value, transferring money corresponding to the total amount of the internal account transfer from the internal accounts of each branch line to the internal accounts of the general line through manual operation.

In one embodiment, a computer program product is provided comprising a computer program which, when executed by a processor, performs the steps of: acquiring the current month summary repayment value of each sponsor organization according to the daily running water information of each sponsor organization; calculating the current month transfer total value of the first-class branch row corresponding to each sponsor organization according to the balance information of the internal account of each sponsor organization; if the current month summary repayment value is the same as the current month transfer total value, calling an internal transfer component to transfer resources corresponding to the current month transfer total value to a first-level branch internal account corresponding to each sponsor institution, and updating repayment detail data information of each first-level branch; obtaining a total repayment value in a preset time period according to the repayment detail data information of each level of the branch line, comparing the total summarized repayment value with total value transferred from the internal account of each level of row in the preset time period; and if the total value of the summarized repayment is the same as the total value of the internal account transfer-out, calling an internal transfer component to transfer the resources corresponding to the total value of the internal account transfer-out to the internal account of the headquarter.

The user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are information and data authorized by the user or sufficiently authorized by each party.

Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, or the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory. By way of illustration, and not limitation, RAM can be in various forms such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), etc. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, can also be keys, a track ball or a touch pad arranged on the shell of the computer equipment, and can also be an external keyboard, a touch pad or a mouse and the like.

The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.

The above examples illustrate only a few embodiments of the application, which are described in detail and are not to be construed as limiting the scope of the application. It should be noted that it will be apparent to those skilled in the art that several variations and modifications can be made without departing from the spirit of the application, which are all within the scope of the application. Accordingly, the scope of protection of the present application is to be determined by the appended claims.

Claims

1. A method of automated funds collection, the method comprising:

acquiring the current month summary repayment value of each sponsor organization according to the daily running water information of each sponsor organization;

Calculating the current month transfer total value of the first-class branch row corresponding to each sponsor organization according to the balance information of the internal account of each sponsor organization;

If the current month summary repayment value is the same as the current month transfer total value, calling an internal transfer component to transfer resources corresponding to the current month transfer total value to a first-level branch internal account corresponding to each sponsor institution, and updating repayment detail data information of each first-level branch;

Obtaining a total repayment value in a preset time period according to the repayment detail data information of each level of the branch line, comparing the total summarized repayment value with total value transferred from the internal account of each level of row in the preset time period;

and if the total value of the summarized repayment is the same as the total value of the internal account transfer-out, calling an internal transfer component to transfer the resources corresponding to the total value of the internal account transfer-out to the internal account of the headquarter.

2. The method of claim 1, wherein the daily running water information comprises debit running water information and credit running water information; the method for acquiring the current month summary repayment value of each agency according to the daily running water information of each agency comprises the following steps:

acquiring a debit occurrence value according to the debit flow information;

Acquiring a lender occurrence value according to the lender flow information;

And carrying out rolling calculation on the lender occurrence value and the borrower occurrence value to obtain the current month summarizing repayment value of each agency.

3. The method according to claim 1, wherein calculating the current month roll-out total value of the first order row corresponding to each of the sponsors according to the internal account balance information of each of the sponsors comprises:

acquiring an internal account balance table of each sponsor organization corresponding to the first-order branch line;

calculating the current month transfer total value of the first-class branch corresponding to each sponsor organization according to the balance information of the internal account of each sponsor organization, wherein the method comprises the following steps:

Obtaining the current month transfer value of each sponsor according to the balance information in the balance table of the internal account of each sponsor;

and summarizing and calculating the current month transfer amount of each agency to obtain the current month transfer total value of the first-order branch.

4. The method according to claim 1, wherein the method further comprises:

If the total repayment value in the current month is different from the total value transferred in the current month, waiting for manual processing;

And when the current month summary repayment value and the current month total value are adjusted to be the same value, transferring the resources corresponding to the current month total value to the first-class internal accounts corresponding to each sponsor organization through manual operation.

5. The method of claim 1, wherein updating the payoff details data information for each level of the line comprises:

And collecting daily running water information of each sponsor organization corresponding to the first-level branch, and updating the daily running water information of each sponsor organization in a repayment detail data table of the first-level branch.

6. The method of claim 1, wherein invoking an internal transfer component to transfer resources corresponding to the internal account total value to an internal account of a headquarter if the aggregate payoff total value is the same as the internal account transfer total value comprises:

and if the total value of the total repayment of each branch line is the same as the total value of the internal account transfer, transferring the resources corresponding to the total amount of the internal account transfer from the internal accounts of each branch line to the internal accounts of the general line by utilizing an internal transfer component.

7. The method of claim 6, wherein the method further comprises:

if the total value of the summarized repayment is different from the total value of the internal account transfer-out, waiting for manual processing;

And when the total value of the aggregated repayment and the total value of the internal account transfer-out are adjusted to be the same value, transferring money corresponding to the total amount of the internal account transfer from the internal accounts of each branch line to the internal accounts of the general line through manual operation.

8. An automatic funds collection device, the device comprising:

The repayment value acquisition module is used for acquiring the current month summarized repayment value of each agency according to the daily running water information of each agency;

the transfer-out value calculation module is used for calculating the current month transfer-out total value of the first-order branch row corresponding to each sponsor organization according to the balance information of the internal account of each sponsor organization;

the first account transfer module is used for calling the internal account transfer assembly to transfer the resources corresponding to the current month transfer total number value to the first-order branch internal accounts corresponding to each agency and updating the repayment detail data information of each first-order branch if the current month summary repayment number value is the same as the current month transfer total number value;

A comparison module for obtaining the total value of the aggregated repayment in the preset time period according to the repayment detail data information of each level of the lines, comparing the total summarized repayment value with total value transferred from the internal account of each level of row in the preset time period;

And the second transfer module is used for calling the internal transfer component to transfer the resources corresponding to the total internal account transfer value into the internal account of the headquarter if the total summarized repayment value is the same as the total internal account transfer value.

9. The apparatus of claim 8, wherein the payoff value acquisition module comprises: the borrower value submodule is used for acquiring a borrower occurrence value according to the borrower flow information; the lender value sub-module is used for acquiring lender occurrence values according to the lender flow information; and the repayment value sub-module is used for calculating the credit occurrence value and the debit occurrence value by rolling difference to obtain the current month summarization repayment value of each agency.

10. The apparatus of claim 8, wherein the roll-out value calculation module comprises: the output value generation sub-module is used for obtaining the current month output value of each sponsor organization according to the balance information in the balance table of the internal account of each sponsor organization; and the total value generation sub-module is used for summarizing and calculating the current month transfer amount of each agency to obtain the current month transfer total value of the first-class line.

11. The apparatus of claim 8, wherein the apparatus is further configured to wait for manual processing if the current month aggregate payoff value is different from the current month transfer-out total value; and when the current month summary repayment value and the current month total value are adjusted to be the same value, transferring the resources corresponding to the current month total value to the first-class internal accounts corresponding to each sponsor organization through manual operation.

12. The apparatus of claim 8, wherein the apparatus further comprises: the manual processing sub-module is used for waiting for manual processing if the current month summary repayment value is different from the current month total value; and the manual drawing sub-module is used for transferring the resources corresponding to the current month transfer total number value to the first-class branch internal accounts corresponding to each agency through manual operation when the current month collection repayment value and the current month transfer total number value are adjusted to be the same value.

13. The apparatus of claim 8, wherein the first transfer module is further configured to collect daily running water information for each of the sponsors corresponding to a primary line and update the daily running water information for each of the sponsors in a payoff details data table for the primary line.

14. The apparatus of claim 8, wherein the second transfer module is further configured to transfer, with the internal transfer component, a resource corresponding to the total amount of internal account transfers from the internal accounts of each branch to the internal accounts of the headquarters if the aggregate total amount of payouts for each branch is the same as the total amount of internal account transfers.

15. The apparatus of claim 8, wherein the apparatus further comprises: the manual processing sub-module is used for waiting for manual processing if the total value of the summarized repayment is different from the total value of the internal account transfer; and the manual account drawing sub-module is used for drawing money corresponding to the total amount drawn by the internal account from the internal accounts of each branch through manual operation when the total value of the summarized and repayment and the total value drawn by the internal account are adjusted to be the same value.

16. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 7 when the computer program is executed.

17. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 7.