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Arrearage data processing method, device and system

A data processing device and data processing technology, applied in the financial field, can solve the problems of occupying system resources, low efficiency, low success rate, etc., and achieve the effect of improving processing efficiency

Pending Publication Date: 2021-09-03
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

This solution is feasible when the amount of data is not large, but if the amount of arrears data is huge, the daily full scan of the deduction processing scheme will generate a large number of invalid deduction operations, occupy more valuable system resources, and have low efficiency , time-consuming and low success rate

Method used

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  • Arrearage data processing method, device and system
  • Arrearage data processing method, device and system

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Embodiment Construction

[0031] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0032] Those skilled in the art know that the embodiments of the present invention can be implemented as a system, device, device, method or computer program product. Therefore, the present disclosure may be embodied in the form of complete hardware, complete software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0033] In view of the fact that daily full scanning of the deduction processing scheme will ...

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Abstract

The invention provides an arrearage data processing method, device and system, and belongs to the technical field of finance or other technical fields. The arrearage data processing method comprises the following steps: acquiring arrearage data, wherein the arrearage data comprises a frequency mark, a current-day posting amount, an account state and an arrearage day number; generating a current threshold number of days according to the historical threshold number of days, the frequency mark, the amount of entry on that day, the account state and the arrearage number of days; and generating an arrearage data processing result according to a comparison result of the current threshold value day number and the arrearage day number. According to the method, data idling can be reduced, the processing efficiency is improved, and the supplementary deduction success rate is improved while the processing pressure of a host system is reduced and the processing time is shortened.

Description

technical field [0001] The present invention relates to the field of financial technology, in particular to a method, device and system for processing arrears data. Background technique [0002] After the bank provides certain business services to customers, it will charge related service fees according to the agreement, such as account opening fees, remote transfer fees, account management fees, and so on. Charging is divided into linked charging and non-linked charging; when linked charging, the original transaction and the charging transaction are processed synchronously, and if the charging fails, the original transaction will be treated as a failure; Register the charging details, and the batch job will carry out charging processing on the specified charging date. Due to reasons such as account freezing or insufficient account balance, charging may fail. At this time, the system needs to initiate a supplementary deduction process for the arrears record. [0003] The t...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/24G06Q40/02
CPCG06Q20/24G06Q40/02
Inventor 梁巨森王前程林尧钦王旭冰
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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