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Statistical method, device and equipment for payment balance and medium

A statistical method and balance technology, applied in the field of automatic program design, can solve problems such as pending accounts and payment messages not being processed normally.

Pending Publication Date: 2021-06-08
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, in the actual operation of the system, due to various reasons, the payment message may not be processed normally, resulting in a certain amount of pending accounts in the branch's internal account to be cleared

Method used

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  • Statistical method, device and equipment for payment balance and medium
  • Statistical method, device and equipment for payment balance and medium
  • Statistical method, device and equipment for payment balance and medium

Examples

Experimental program
Comparison scheme
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Embodiment 1

[0030] Figure 1a It is a flow chart of a method for counting pending account balances provided by Embodiment 1 of the present invention. This embodiment of the present invention is applicable to the situation of how to determine the pending account balance of an internal account after liquidation. The statistical device of the balance can be implemented by means of software and / or hardware, and can generally be integrated into computer equipment.

[0031] Such as Figure 1a As shown, the statistical method of a pending account balance provided in this embodiment specifically includes:

[0032] S110. In the target database, acquire the journal file generated within the accounting day of the target internal account to be liquidated.

[0033] The target database refers to the payment and settlement component (used to clear the internal accounts to be liquidated and count the outstanding account balance), which is used to store the journal files corresponding to the daily transac...

Embodiment 2

[0057] figure 2 It is a flow chart of a method for counting debit balances provided by Embodiment 2 of the present invention. This embodiment is embodied on the basis of the above embodiments, wherein at least one target data table for determining the liquidation time point of each journal file can be obtained according to the account type of the target internal account to be liquidated and the target database, specifically for:

[0058] If the account type is a large-amount modern payment fund pending liquidation internal account, in the target database, obtain the internal account flow details, change history data, and large-amount payment liquidation details corresponding to the large-amount modern payment fund pending liquidation internal account;

[0059] According to the internal account flow details, generate the internal account flow detail data table;

[0060] According to the change history data, generate the contract table, contract change history data table and ...

Embodiment 3

[0116] image 3 It is a flow chart of a method for counting debit balances provided by Embodiment 3 of the present invention. This embodiment is embodied on the basis of the above embodiments, wherein at least one target data table for determining the liquidation time point of each journal file can be obtained according to the account type of the target internal account to be liquidated and the target database, specifically for:

[0117] If the account type is an online payment cross-bank internal account to be cleared, then in the target database, obtain the internal account flow details, contract table, contract change history data table, and payment summary bookkeeping register corresponding to the online payment cross-bank internal account to be liquidated;

[0118] According to the internal account flow details, generate the internal account flow detail data table;

[0119] According to the online payment settlement details in the payment summary bookkeeping register, g...

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PUM

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Abstract

The embodiment of the invention discloses a Statistical method, device and equipment for payment balance and a medium, and relates to the technical field of automatic program design. The method comprises the following steps: acquiring a flow file generated by a target internal account to be cleared in an accounting day in a target database; according to the account type of the target internal account to be cleared and a target database, obtaining at least one target data table used for determining the clearing time point of each flow file; according to each target data, determining a clearing time point corresponding to each flow file, and obtaining a clearing day difference amount determined by the clearing time point of each flow file and / or an accounting amount determined by a time span between a clearing day and an accounting day; and according to the obtained clearing day difference amount and / or the account erasing amount, calculating the payment balance of the target internal account to be cleared in the clearing day. According to the technical scheme, the payment balance of the internal account after settlement is determined according to the payment day and the accounting day in combination with the payment time point of each flow file.

Description

technical field [0001] The embodiment of the present invention relates to the technical field of automatic program design, and in particular to a method, device, equipment and medium for counting outstanding account balances. Background technique [0002] Bank liquidation refers to the financial activities that are reviewed and transferred between financial institutions through payment intermediaries (usually the People's Bank of China, referred to as the People's Bank of China), and are used to settle bilateral or multilateral creditor's rights and debts and other transactions. [0003] Normally, the internal account clearing process of the RMB payment system is as follows: the payment messages generated by the account transactions that occur during the day are recorded one by one in the branch’s internal account to be cleared (that is, commercial banks are required to meet various business or Accounting needs of the product, in the account opened by the internal account sy...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F16/22
CPCG06Q40/02G06F16/2282
Inventor 尤见曾烨唐松涛
Owner CHINA CONSTRUCTION BANK