Resource processing method, device and equipment

Abstract

The embodiments of this specification disclose a resource processing method, device and equipment, the method comprising receiving a resource processing request, the resource processing request comprising at least one resource processing sub-request corresponding to a resource processing type; when confirming that the benchmark business corresponding to the resource processing request is in a business transfer state, filtering out the resource processing sub-request corresponding to the resource recovery type from the resource processing request; wherein the resource recovery type refers to a resource processing method for pre-setting resources to be transferred from a user account to a financial institution; using the resource processing method corresponding to the resource recovery type in the transfer system, the resource processing sub-request corresponding to the corresponding resource recovery type is processed based on the transfer institution identifier. Using the various embodiments of this specification, the overall resource processing efficiency and accuracy can be greatly improved.

Description

Technical Field

[0001] The present specification relates to the field of data processing technology, and in particular, to a resource processing method, device and equipment. Background Art

[0002] There is a resource processing method for resource transfer business transfer in financial institutions to meet the needs of current business processing. For this type of business, the current processing method adopted by the system of financial institutions is that after institution A transfers the corresponding business data to institution B, the resource accounting relative to the user is still processed in the system of institution A. Institution A transfers the recovered resources to institution B at the end of day T and sets them in the settlement account of institution A. Institution B then manually logs in to the system of institution B based on the resources collected on the settlement account. On day T+1, institution B processes the transaction flow into accounting entries and registers the general ledger, and uses the recovered flow and the information manually logged in on day T to check the resources. However, this type of resource processing takes a long time, and requires manual intervention by the business personnel of institution B, and transfers multiple temporary accounts, resulting in low resource processing efficiency, and it is impossible to complete resource processing within the same working day. Therefore, a more efficient resource processing method is urgently needed. Summary of the invention

[0003] The purpose of the embodiments of this specification is to provide a resource processing method, device and equipment, which can greatly improve the efficiency and accuracy of resource processing.

[0004] This specification provides a resource processing method, device and equipment which are implemented in the following ways:

[0005] A resource processing method is applied to a transfer system, and the method comprises the following steps. A resource processing request is received, and the resource processing request comprises at least one resource processing sub-request corresponding to a resource processing type. When it is confirmed that the base business corresponding to the resource processing request is in a business transfer state, a resource processing sub-request corresponding to a resource recovery type is screened out from the resource processing request; wherein the resource recovery type refers to a resource processing method for transferring resources from a user account to a financial institution. The resource processing method corresponding to the resource recovery type in the transfer system is used to process the resource processing sub-request corresponding to the corresponding resource recovery type based on the transfer institution identifier.

[0006] In some other embodiments of the method provided in this specification, the method may further include the following steps: filtering out resource processing sub-requests corresponding to non-resource recovery types from the resource processing requests; and processing resource processing sub-requests corresponding to the corresponding non-resource recovery types based on the transferee institution identifier using the resource processing method of the resource recovery type in the transferee system pre-configured in the transfer system.

[0007] In some other embodiments of the method provided in this specification, when the non-resource recovery type is a resource write-off type, a temporary record of the write-off amount is made based on the transferee settlement account of the transferor system; at a specified time point, after summarizing the write-off amounts within a specified time interval, the summarized write-off amounts are transferred from the transferee's loss reserve account in the transferor system.

[0008] In some other embodiments of the method provided in this specification, the method further includes aggregating the processing results corresponding to the resource processing requests within a specified time interval at a specified time point and sending the aggregating results to the acquiring system so that the acquiring system uploads them to the resource management center.

[0009] In some other embodiments of the method provided in this specification, the resource processing sub-request corresponding to the corresponding resource recovery type is processed based on the global identifier corresponding to the resource processing request and the sub-identifier of the resource processing sub-request corresponding to the resource recovery type.

[0010] In some other embodiments of the method provided in this specification, when the non-resource recovery type is not a write-off resource type, a sub-identifier is reallocated for the resource processing sub-request corresponding to the non-resource recovery type;

[0011] The resource processing sub-request corresponding to the corresponding non-resource recovery type is processed based on the reallocated sub-identifier and the global identifier corresponding to the resource processing request.

[0012] On the other hand, the present specification also provides a resource processing device, which is applied to a transfer system, and the device includes the following modules. A request receiving module, which is used to receive a resource processing request, and the resource processing request includes at least one resource processing sub-request corresponding to a resource processing type. A screening module, which is used to filter out the resource processing sub-request corresponding to the resource recovery type from the resource processing request when confirming that the benchmark business corresponding to the resource processing request is in a business transfer state; wherein the resource recovery type refers to a resource processing method for transferring resources from a user account to a financial institution. A resource processing module, which is used to process the resource processing sub-request corresponding to the corresponding resource recovery type based on the transfer institution identifier using the resource processing method corresponding to the resource recovery type in the transfer system.

[0013] In some other embodiments of the device provided in this specification, the screening module is further used to screen out resource processing sub-requests corresponding to non-resource recovery types from the resource processing requests. The resource processing module is further used to process the resource processing sub-requests corresponding to the corresponding non-resource recovery types based on the transferee institution identifier by using the resource processing method of the resource recovery type in the transferee system pre-configured in the transfer system.

[0014] In some other embodiments of the device provided in this specification, the resource processing module includes a temporary recording unit and an allocation unit. The temporary recording unit is used to temporarily record the write-off amount based on the transferee settlement account of the transferee in the transfer system when the non-resource recovery type is a write-off resource type. The allocation unit is used to summarize the write-off amount within a specified time interval at a specified time point, and then allocate the summarized write-off amount from the loss reserve account of the transferee in the transfer system.

[0015] In some other embodiments of the device provided in this specification, the device also includes a result sending module, which is used to summarize the processing results corresponding to the resource processing requests within a specified time interval at a specified time point and send them to the acquiring system so that the acquiring system can upload them to the resource management center.

[0016] In some other embodiments of the device provided in this specification, the resource processing module is also used to process the resource processing sub-request corresponding to the corresponding resource recovery type based on the global identifier corresponding to the resource processing request and the sub-identifier of the resource processing sub-request corresponding to the resource recovery type.

[0017] In some other embodiments of the device provided in this specification, the device further includes an identification allocation module;

[0018] The identifier allocation module is used to reallocate a sub-identifier for a resource processing sub-request corresponding to the non-resource recovery type when the non-resource recovery type is not a write-off resource type;

[0019] The resource processing module is further configured to process a resource processing sub-request corresponding to a corresponding non-resource recovery type based on the reallocated sub-identifier and the global identifier corresponding to the resource processing request.

[0020] On the other hand, the present specification also provides a resource processing device, which is applied to the transfer system. The device includes at least one processor and a memory for storing processor executable instructions. When the instructions are executed by the processor, the steps of the method described in any one or more of the above embodiments are implemented.

[0021] The resource processing method, device and equipment provided in one or more embodiments of this specification can more simply and conveniently implement the resource replacement processing of the transferee system in the transfer system, avoiding the temporary suspension of accounts and the manual entry and verification process by the business personnel of the transferee system, greatly improving the overall resource processing efficiency and accuracy. At the same time, it can also further shorten the resource consistency verification and balancing time, timely reflect resource changes, improve the timeliness of resource processing, and thus improve the user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] In order to more clearly illustrate the technical solutions in the embodiments of this specification or the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art description. Obviously, the drawings described below are only some embodiments recorded in this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative labor. In the drawings:

[0023] Figure 1 A schematic diagram of a process flow of a resource processing method embodiment provided in this specification;

[0024] Figure 2 A flowchart of another resource processing method embodiment provided in this specification;

[0025] Figure 3 Schematic diagram of the batch processing flow of T day of institution A provided for this manual;

[0026] Figure 4 The schematic diagram of the T+1 day batch processing flow of institution B provided for this instruction manual;

[0027] Figure 5 A schematic diagram of the process flow of the transferred loan account in an embodiment provided in this specification;

[0028] Figure 6 A schematic diagram of the module structure of a resource processing device provided in this specification. DETAILED DESCRIPTION

[0029] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of the specification, not all of the embodiments. Based on one or more embodiments of the specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the embodiments of this specification.

[0030] In the embodiments of this specification, the resources may refer to physical currency, virtual currency, other physical items of identifiable value, virtual items, and the like. In the business system of a financial institution, a variety of different types of businesses can be derived from resources, such as deposits, loans, financial management, and the like. Resource transfer business may refer to a business type in which resources are transferred from one account to another. Common resource transfer businesses include loan business. After a user applies for a loan business, the resources are transferred from the financial institution to the user account corresponding to the user. After a specified period of time, the resources are transferred from the user account to the financial institution, that is, the user repays the principal and interest to the financial institution.

[0031] Users can handle corresponding services in the business system of the financial institution as needed. In the embodiment of this specification, the services handled by users in the business system can be used as the benchmark services for resource processing requests. For example, user R handles loan service X. For this loan service X, there may be resource processing requests such as resource principal recovery and resource interest recovery. Correspondingly, the loan service X for which the corresponding resource processing request is targeted is the benchmark service.

[0032] For resource transfer business, the system of a financial institution can transfer part of the business data to the system of another financial institution. For example, in the system of institution A, there are a number of loan businesses that have been completed by users, but the principal and interest have not been repaid or have not been fully repaid. Institution A now transfers the batch of loan businesses to institution B, and institution B acquires the batch of loan businesses. Correspondingly, the resources recovered from the batch of loan businesses are eventually transferred to institution B, that is, institution B bears the risks and enjoys the benefits.

[0033] For ease of expression, the business data transferred from the system of institution A to the system of institution B can be described as transferred business data. The institution that transfers the business data is called the transferring institution, and the system corresponding to the transferring institution is described as the transferring system. The institution that receives the business data is called the receiving institution, and the system corresponding to the receiving institution is described as the receiving system. The institution identifier corresponding to the transferring institution is described as the transferring institution identifier, and the institution identifier corresponding to the receiving institution is described as the receiving institution identifier. The institution identifier may include the accounting institution identifier of the institution and the legal person identifier of the institution. The legal person identifier is used to identify the institution as a whole, and the accounting institution identifier is used to identify the sub-institution that is currently executing accounting records. After the business data is transferred, the status of the transferred business data can be identified in the transfer system to facilitate the subsequent separate processing of resource processing requests for the transferred business data. Of course, the transferred business data can also be placed in a transferred resource pool.

[0034] The transfer system and the transferee system may include a server cluster consisting of multiple servers. Of course, the transfer system can be further subdivided into multiple types of subsystems according to the different processing tasks performed by each server, which is not limited here. Usually, different businesses in the system of a financial institution are isolated when processed, so as to facilitate the differentiated processing and maintenance of the businesses. Accordingly, different types of businesses can be set to be processed by different business components. Each business component can correspond to a different execution unit divided in the same server, or it can correspond to a different server, and can be configured according to actual needs.

[0035] like Figure 1As shown, the embodiment of this specification provides a resource processing method, which is applied to the transfer system, and which servers of the transfer system are specifically executed can be determined according to the execution tasks of each server. The method may include the following steps.

[0036] S20: Receive a resource processing request, where the resource processing request includes at least one resource processing sub-request corresponding to a resource processing type.

[0037] The transfer system receives a resource processing request. The resource processing request may be sent by a business terminal of a financial institution or a user's smart terminal. For example, the user may generate and send the resource processing request through an application installed in the smart terminal. Alternatively, the resource processing request may also be sent by a system of a third-party institution associated with the transfer system. For example, the user may register an account in Alipay or WeChat.

[0038] The resource processing request may include at least one resource processing sub-request corresponding to a resource processing type. Generally, resource processing may include types such as normal principal recovery of resources, normal interest recovery of resources, and resource write-offs. The resource processing type may be identified using a resource processing type identifier. Accordingly, the resource processing request may include at least one resource processing request type identifier. Of course, other methods may also be used to determine the resource processing type in the resource processing request. The processing requests for different resource processing types in the resource processing request may be used as resource processing sub-requests of the corresponding resource processing types.

[0039] S22: When it is confirmed that the base business corresponding to the resource processing request is in a business transfer state, a resource processing sub-request corresponding to a resource recovery type is filtered out from the resource processing request; wherein the resource recovery type refers to a resource processing method for transferring resources from a user account to a financial institution.

[0040] After receiving the resource processing request, the transfer system can first determine whether the benchmark business corresponding to the resource processing request is in a business transfer state. It can be seen from the scheme of the above embodiment that after the business data is transferred, a transfer status mark can be set for the business data in the transfer system. Correspondingly, after receiving the resource processing request, the transfer system can first obtain the benchmark business corresponding to the resource processing request. Then, it can be further analyzed whether the benchmark business is set with a transfer status mark to determine whether the benchmark business has been transferred to other institutions. If so, the resource processing logic corresponding to the transfer business is used to process the resource processing request. Of course, in actual application scenarios, other methods can also be used to determine whether the benchmark business has been transferred, such as determining whether the benchmark business is located in a resource transfer pool.

[0041] When the transfer system confirms that the base business corresponding to the resource processing request is in the business transfer state, it can further separate the resource processing type in the resource processing request. The resource recovery type can refer to the resource processing method of transferring resources from the user account to the financial institution, such as resource principal recovery, resource interest recovery, etc.

[0042] The resource recovery type and the non-resource recovery type can be separated so as to be processed based on different resource processing logics. If the resource processing request only contains the resource recovery type, it can be processed according to the resource processing logic corresponding to the resource recovery type. If the resource processing request only contains the non-resource recovery type, it can be processed according to the resource processing logic corresponding to the non-resource recovery type. If the resource processing request contains both the resource recovery type and the non-resource recovery type, the resource recovery type and the non-resource recovery type are processed according to their corresponding resource processing logics.

[0043] S24: Using the resource processing method corresponding to the resource recovery type in the transfer system, based on the transfer agency identifier, the resource processing sub-request corresponding to the corresponding resource recovery type is processed.

[0044] For resource recovery types, the transfer system may utilize the resource processing method corresponding to the resource recovery type in the transfer system to process the resource processing sub-request corresponding to the corresponding resource recovery type based on the transfer agency identifier.

[0045] In the process of processing a resource processing request, the system can generate a global identifier and at least one sub-identifier. The global identifier can be used to identify the overall processing process of the resource processing request to ensure the consistency of resource processing. The same resource processing request may correspond to multiple different resource processing sub-requests or there may be multiple processing links in the system. For example, the processing flows corresponding to different resource processing types are different, so the processing requests corresponding to different resource processing types can be used as resource processing sub-requests and assigned different sub-identifiers. In order to facilitate processing or ensure the consistency of data processing, the system can also generate multiple processing links for the same resource processing request.

[0046] For example, in order to facilitate processing, a separate transfer business processing component can be set up for the transfer business data to process the resource processing request corresponding to the corresponding transfer business data. Accordingly, the resource transfer processing and the resource processing corresponding to the transfer business data are not under the same component, and the resource accounting records in the system are usually distinguished by components, and each component corresponds to a different identifier for the resource management center. Therefore, for cross-component resource accounting records, a special cross-component resource transaction processing can be used for coordination. Accordingly, different sub-identifiers can be configured for each of the above processing links to distinguish them, and finally, cross-component resource consistency proofreading or matching can be performed based on the global identifier.

[0047] The transfer system can process the separated resource recovery types based on the transfer agency identifier using the global identifier and the atomic identifier corresponding to the resource recovery type, and the resource processing method corresponding to the resource recovery type in the transfer system. That is, the resource processing method corresponding to each resource recovery type of the transfer system is used in the business transfer processing component to process the sub-resource processing requests of each resource recovery type respectively.

[0048] In some other embodiments, a settlement account of the transferee institution may also be opened in the transfer system. The settlement account may be described as a transferee settlement account. When batch processing is performed at a specified time, the transfer system may summarize the resource recovery record details by institution, currency, record type, etc., and then call the collection and payment interface of the resource transfer component to transfer the collected principal, interest, and other recovery amounts to the above-mentioned transferee settlement account. At the same time, the transfer system may record the above-mentioned resource batch processing data.

[0049] Thus, by using the method provided by the above embodiment, the resource replacement processing of the transferee system can be simply and conveniently implemented in the transfer system, avoiding the temporary account suspension and the manual entry and verification process of the business personnel of the transferee system, greatly improving the overall resource processing efficiency and accuracy. At the same time, it can also further shorten the resource consistency verification and balancing time, timely reflect resource changes, improve the timeliness of resource processing, and thus improve the user experience.

[0050] like Figure 2 As shown, in some other embodiments provided in this specification, the method may also include:

[0051] S26: When it is confirmed that the base service corresponding to the resource processing request is in service transfer state, a resource processing sub-request corresponding to a non-resource recovery type is screened out from the resource processing request.

[0052] S28: utilizing the resource processing method of the resource recovery type pre-configured in the transferee system in the transferee system, and processing the resource processing sub-request corresponding to the corresponding non-resource recovery type based on the transferee institution identifier.

[0053] For non-resource recovery types, the transfer system can use the resource processing method corresponding to the non-resource recovery type of the transferee system to perform resource processing on the resource processing sub-request corresponding to the non-resource recovery type based on the transferee institution identifier. Due to the change in the processing method and the account, there is a large difference between the processing and the processing of the transfer system, then a new sub-identifier can be assigned to the resource processing of the non-resource recovery type. That is, the resource processing corresponding to the non-resource recovery type is identified by using the global identifier and the newly assigned sub-identifier.

[0054] The resource processing method corresponding to the non-resource recovery type of the transferee system can be pre-configured in the transfer system. During the processing, the processing logic, organization number, cross-component coordination processing, etc. involved in the resource processing are replaced with the information of the transferee system, and the organization is also replaced with the organization identification corresponding to the transferee organization, that is, the transferee organization identification. Thus, by using the above method, the resource replacement processing of the transferee system can be simply and conveniently implemented in the transfer system. By using the method of the above embodiment of the present application, the temporary suspension of accounts and the manual entry and verification process of the business personnel of the transferee system are avoided, which can greatly improve the overall resource processing efficiency and accuracy. At the same time, the resource consistency check and balancing time are further shortened, resource changes are reflected in a timely manner, the timeliness of resource processing is improved, and the user experience is thereby improved.

[0055] In other embodiments, if the non-resource recovery type is a resource write-off type, the write-off amount can be temporarily recorded based on the transferee settlement account of the transferee in the transfer system. And at a specified time point, after summarizing the write-off amount within a specified time interval, the summed write-off amount is transferred from the loss reserve account of the transferee in the transfer system. For example, when the transfer system performs batch processing at a specified time, the resource write-off record details can be summarized by institution, currency and other dimensions, and the transfer information can be sent to the resource transfer component to transfer the write-off amount from the loss reserve account of the transferee in the transfer system.

[0056] S210: After the processing results corresponding to the resource processing requests within the specified time interval are summarized at the specified time point, they are sent to the transferee system so that the transferee system uploads them to the resource management center.

[0057] The transfer system can also summarize the resource processing results within the specified time interval at a specified time point and send them to the transferee system. The transferee system can perform data entry processing after receiving the resource processing results corresponding to each transferred business data. The transferee system can also organize the resource processing results and send them to the resource management center. The resource management center can refer to the resource recording system shared by the transferee system and the transferor system. The resource recording data in the resource management center can be used by the systems of various institutions to perform consistency verification processing on the resource processing record data to ensure the accuracy of resource processing.

[0058] Based on the solution provided by the above embodiment, the embodiment of this specification also provides a scenario example of applying the above embodiment to further illustrate the practicality of the above embodiment. Of course, the following scenario example is only an application scenario description and does not constitute a direct limitation on the above embodiment of the present application.

[0059] In response to the growing scale of loans and the lengthy asset securitization process, financial institutions currently provide a type of asset transaction similar to securitization - loan transfer. The difference between the loan transfer and asset securitization processes is that after institution A removes part of the loan from its balance sheet, the loan account accounting is still processed in the system of institution A. Accounting refers to an operation (such as expenditure, repayment, etc.) on a certain amount (such as normal principal, accrued interest) of a certain product (such as mortgages, consumer loans). At the end of each day, institution A will transfer the recovered funds to the settlement account opened by institution B in institution A. At the same time, the recovered funds and general ledger flow (provisions, repayments, transfers, etc.) will be sent to institution B so that institution B can record the funds based on the funds collected in the settlement account. Figure 3 As shown, institution A performs batch processing at the end of day T, and retains the fund recovery flow and accounting and financial item amount bookkeeping flow of the previous day during batch processing. Among them, the recovery flow is used for institution B to debit the interbank deposit on day T+1, so as to reflect the funds transferred from institution A to institution B's settlement account when it is recovered on institution B's account. The amount bookkeeping flow is used to register institution B's general ledger on day T+1, reflecting the changes in various principals, interests, and incomes. Accounting entries refer to a type of accounting record data that lists the corresponding accounts of both parties and their amounts for each accounting process according to the requirements of the double-entry bookkeeping principle.

[0060] Correspondingly, the bookkeeping example under institution A is as follows:

[0061] Debit: Borrower's deposit account

[0062] Credit: B institution settlement account (opened at A institution)

[0063] Afterwards, the business personnel of Institution B manually recorded the following account according to the funds collected from the settlement account of Institution B: Debit: Deposit with other banks

[0064] Loan: Principal temporary collection account

[0065] Loan: Interest temporary collection account

[0066] On T+1, institution B processes the transaction flow into accounting entries and registers them in the general ledger. At the same time, it uses the recycled flow to balance the manual account entry on day T. Figure 4 As shown, on T+1, institution B replaces the corresponding institution with institution B and the accounting type of institution B based on the transaction flow transmitted by institution A on T, processes the accounting entries, and registers them in the general ledger. The accounting type refers to a set of accounting entry mapping configuration rules corresponding to a type of product. The accounting type is the unique identifier of the set of configuration rules. At the same time, the recovery of transaction flow needs to balance the pending accounts manually registered by the business personnel of institution B on T. The relevant accounting entries of institution B are as follows:

[0067] Debit: Principal temporary collection account

[0068] Loan: normal principal / overdue principal, etc.

[0069] Debit: Interest collection account

[0070] Credit: accrued interest / interest receivable, etc.

[0071] The above accounting processing method is time-consuming and requires manual intervention by business personnel of institution B, and transfers multiple accounts. It cannot reflect account changes in a timely manner and is prone to errors.

[0072] Accordingly, based on the solutions provided in the above embodiments, this specification provides a more efficient and accurate accounting processing method, which can realize the merging of accounting processing from two days to one day, shortening the time for balancing accounts. It also realizes the alternative accounting processing of institution B in the system of institution A, cancels the temporary collection account suspension, simplifies the manual processing process, thereby avoiding the accounting processing errors caused by manual accounting, improving the accuracy of accounting, and improving the user experience.

[0073] The calculation engine in the system of Institution A can be used to identify the accounting flow of the transferred loan. In the process of processing the accounting flow, the accounting flow is processed in the following way: the accounting entry of the fund recovery account is processed based on the accounting processing method of Institution A, and the accounting entries of other bookkeeping accounts are replaced with the accounting processing method of Institution B. The atomic entries sent to the accounting engine of Institution A's system and the total amount verification data sent to the general ledger are processed separately. Institution B's settlement account is opened in Institution A, and Institution B's alternative accounting processing is realized in Institution A's system, so as to realize cross-institution accounting simply and effectively, cancel the intermediate temporary collection account, shorten the accounting process, and directly complete the cross-institution accounting on T day.

[0074] Since the asset transfer system and the deposit system are not under the same component, and the accounting records are distinguished by the component dimension, each component will have a different general ledger source number. Due to the componentization of the business, different components are accounted for separately. In order to meet the integrity of the business, it involves separate accounts across multiple systems, and cross-component current accounts play a transitional role in balancing accounts. Therefore, a special cross-component current account can be used for transition when cross-component accounting is involved, and finally the cross-component balance is performed through the global flow tracking number. At the same time, if there are multiple sub-transactions or records in the same processing flow, different sub-sequence numbers will be used to distinguish them under the same global flow tracking number. Among them, the global flow tracking number and the sub-sequence number correspond to the global identifier and sub-identifier in the above embodiment.

[0075] like Figure 5 As shown, alternative accounting processing of the acquired loan can be performed in the calculation engine of the A institution system in the following manner.

[0076] Step 1: When the calculation engine of Institution A processes the accounting flow into entries, it can first separate the entries of the designated accounting subjects. Specifically, the asset pool number of the accounting flow is first determined. If the asset pool is an asset transfer loan asset pool and the status is sold, the accounting subject separation process is performed. If the separated accounting subject is an asset transfer recovery subject (such as a principal recovery subject, an interest recovery subject, or other recovery subject), proceed to step 2, otherwise proceed to step 3.

[0077] Step 2, (1) Fund recovery processing. The separated account bookkeeping information is organized into a separate accounting entry, using the original global flow tracking number, reusing the original flow sub-sequence number, and recording the accounting entry under the accounting organization number of institution A. Among them, the organization number is a form of organization identification. At the same time, the debit and credit balance is judged, the cross-component current account is debited, the multi-organization number is filled in as the legal person number of institution A, and the atomic entry flow is organized and sent to the accounting engine for accounting. The relevant accounting entries are as follows,

[0078] Debit: cross-component current account (deposit / internal account / cash)

[0079] Credit: Asset transfer principal recovery account

[0080] Credit: Asset transfer interest recovery account

[0081] Credit: Other recovery items of asset transfer

[0082] (2) Summary and transfer processing. During the end-of-day batch processing, institution A summarizes the amount of funds recovered by institution, currency, account, etc., and then calls the deposit component's collection and payment interface to transfer the principal, interest, and other recovered amounts to the settlement account opened by institution B in the system of institution A. At the same time, the accounting entries of institution A are sent to the accounting engine. The specific accounting entries are as follows:

[0083] Debit: Asset transfer principal recovery account

[0084] Debit: Asset transfer interest recovery account

[0085] Debit: Other recovery accounts of asset transfer

[0086] Credit: B institution settlement account (opened at A institution)

[0087] Step 3. (1) Add a new accounting entry flow. To process the accounting entries of non-recoverable items, add a new accounting entry flow, keep the global flow tracking number unchanged, and change the accounting organization, sub-transaction sequence number, engine variant, organization number, and balance debit and credit relationship. Among them, the engine variant can refer to the configuration information of a complete set of accounting engines, which is used to implement multiple sets of accounting rules. For each different engine variant, different accounting type directories, accounting service directories, natural accounts and entry rule configurations can be used to meet the accounting engine's processing of multiple sets of accounting rules.

[0088] For the processing of non-recoverable account accounting entries, for the on-balance sheet account that institution A keeps on behalf of institution B, it is necessary to replace the journal accounting institution number with the B accounting institution number and assign a new sub-sequence number to distinguish it. At the same time, change the engine variant to the B institution accounting engine variant, change the journal legal person number to the B institution legal person number, and make a debit and credit balance judgment. If there is an imbalance in debit and credit, use the B institution settlement transition account to balance it. Among them, some accounting entries are as follows:

[0089] Debit: B institution settlement transition account

[0090] Loan: Normal principal

[0091] Loan: Overdue principal

[0092] Credit: accrued interest

[0093] Credit: Interest receivable

[0094] Loan: Principal Penalty Interest - Interest Receivable

[0095] Loan: interest, penalty interest, collection interest

[0096] (2) Write-off processing

[0097] When a fund transfer loan is written off, when a single transaction is processed, the non-accrued principal written off needs to be posted to the write-off transition account of institution B. When the day is ended, the total amount of the write-off is summarized and the transfer information is sent to the deposit component to transfer the write-off amount from the loan loss reserve account of institution B. The specific accounting process is as follows:

[0098] (2.1) Single transaction processing

[0099] Debit: B institution writes off transition account

[0100] Credit: Non-accrued principal

[0101] Debit: Interest income from loans to be transferred

[0102] Loan: Collection of interest

[0103] Debit: Principal penalty interest - Interest income from loan to be transferred

[0104] Loan: Principal Penalty Interest-Collection Interest

[0105] Debit: Penalty interest - Interest income from loans to be transferred

[0106] Loan: interest, penalty interest, collection interest

[0107] Debit: Unpaid VAT interest income from loans to be transferred

[0108] Loan: Collection interest on unpaid VAT

[0109] Debit: Penalty interest on principal - interest income from unpaid VAT on loans to be transferred

[0110] Loan: Penalty interest on principal-interest on unpaid VAT

[0111] Debit: Penalty interest - Unpaid VAT interest income from loans to be transferred

[0112] Loan: Interest penalty interest - collection interest on unpaid VAT

[0113] Income: Write-off of principal

[0114] Income: interest written off

[0115] Income: Write-off of principal and penalty interest

[0116] Income: Write-off of interest and penalty interest

[0117] (2.2) Day-end summary transfer processing

[0118] Debit: B institution cross-component current account (impairment reserve internal account)

[0119] Credit: B institution writes off transition account

[0120] Step 4: General ledger processing. When the asset management center processes the total and sub-contract reconciliation, it is carried out on a multi-institutional basis, and usually each institution sends a reconciliation file. Since the detailed accounts in the asset transfer loan table are recorded by institution A, and the accounting entries are also sent directly to the accounting engine of institution A, when the total and sub-contract reconciliation is performed at the end of the day, some of the detailed accounts recorded by institution A need to be summarized and sent to the system of institution B, and the system of institution B will summarize and merge the total and sub-files at the end of the day. Then, the system of institution B will send the summarized and merged account information to the asset management center.

[0121] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. For details, please refer to the description of the above-mentioned related processing related embodiments, and no further description is given here.

[0122] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0123] Based on the resource processing method described above, one or more embodiments of this specification further provide a resource processing device, which is applied to a transfer system, such as Figure 6 As shown, the device may include:

[0124] The request receiving module 602 may be configured to receive a resource processing request, wherein the resource processing request includes at least one resource processing sub-request corresponding to a resource processing type.

[0125] The screening module 604 can be used to screen out the resource processing sub-request corresponding to the resource recovery type from the resource processing request when it is confirmed that the benchmark business corresponding to the resource processing request is in the business transfer state; wherein the resource recovery type refers to the resource processing method of transferring resources from the user account to the financial institution.

[0126] The resource processing module 606 may be configured to utilize the resource processing method corresponding to the resource recovery type in the transfer system to process the resource processing sub-request corresponding to the corresponding resource recovery type based on the transfer institution identifier.

[0127] In some other embodiments, the screening module 604 may also be used to screen out resource processing sub-requests corresponding to non-resource recovery types from the resource processing requests.

[0128] The resource processing module 606 can also be used to utilize the resource processing method of the resource recovery type pre-configured in the transfer system in the transferee system to process the resource processing sub-request corresponding to the corresponding non-resource recovery type based on the transferee institution identifier.

[0129] In some other embodiments, the resource processing module 606 may include a temporary recording unit and an allocation unit. The temporary recording unit may be used to temporarily record the write-off amount based on the transferee settlement account of the transferee in the transfer system when the non-resource recovery type is a write-off resource type. The allocation unit may be used to aggregate the write-off amount within a specified time interval at a specified time point, and allocate the aggregated write-off amount from the loss reserve account of the transferee in the transfer system.

[0130] In other embodiments, the device may further include a result sending module, which may be used to summarize the processing results corresponding to the resource processing requests within a specified time interval at a specified time point and send them to the acquiring system so that the acquiring system can upload them to the resource management center.

[0131] In other embodiments, the resource processing module 606 may also be used to process a resource processing sub-request corresponding to a corresponding resource recovery type based on a global identifier corresponding to the resource processing request and a sub-identifier of the resource processing sub-request corresponding to the resource recovery type.

[0132] In some other embodiments, the device may further include an identification allocation module. The identification allocation module may be used to reallocate a sub-identity for a resource processing sub-request corresponding to the non-resource recovery type when the non-resource recovery type is not a write-off resource type. The resource processing module 606 may also be used to process a resource processing sub-request corresponding to the corresponding non-resource recovery type based on the reallocated sub-identity and the global identification corresponding to the resource processing request.

[0133] It should be noted that the above-mentioned device may also include other implementations according to the description of the method embodiment. The specific implementation methods can refer to the description of the relevant method embodiment, and will not be described one by one here.

[0134] The methods or devices described in the above embodiments provided in this specification can implement business logic through computer programs and record them on storage media, and the storage media can be read and executed by computers to achieve the effects of the solutions described in the embodiments of this specification. Therefore, this specification also provides a resource processing device, which is applied to the transfer system. The device may include a processor and a memory storing processor executable instructions. When the instructions are executed by the processor, the steps of the method described in any of the above embodiments are implemented.

[0135] It should be noted that the above-mentioned device may also include other implementations according to the description of the method embodiment. The specific implementation methods can refer to the description of the relevant method embodiment, and will not be described one by one here.

[0136] The embodiments of this specification are not limited to situations that must comply with standard data models / templates or the embodiments of this specification. Certain industry standards or slightly modified implementation plans based on the implementation described in the custom methods or embodiments can also achieve the same, equivalent or similar, or predictable implementation effects after deformation of the above-mentioned embodiments. The embodiments obtained by using these modified or deformed data acquisition, storage, judgment, processing methods, etc. can still fall within the scope of the optional implementation plans of this specification.

[0137] The storage medium may include a physical device for storing information, which is usually a medium that digitizes the information and then stores it in an electrical, magnetic or optical manner. The storage medium may include: a device that stores information in an electrical energy manner, such as various memories, such as RAM, ROM, etc.; a device that stores information in a magnetic energy manner, such as a hard disk, a floppy disk, a magnetic tape, a magnetic core memory, a magnetic bubble memory, a USB flash drive; a device that stores information in an optical manner, such as a CD or a DVD. Of course, there are other readable storage media, such as quantum memory, graphene memory, etc.

[0138] Each embodiment in this specification is described in a progressive manner, and the same and similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment. In the description of this specification, the description of the reference terms "one embodiment", "some embodiments", "examples", "specific examples", or "some examples" means that the specific features, mechanisms, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of this specification. In this specification, the schematic representation of the above terms does not necessarily target the same embodiment or example. Moreover, the specific features, mechanisms, materials or characteristics described can be combined in any one or more embodiments or examples in a suitable manner. In addition, those skilled in the art can combine and combine the different embodiments or examples described in this specification and the features of different embodiments or examples without contradiction.

[0139] The above description is only an embodiment of the present specification and is not intended to limit the present specification. For those skilled in the art, the present specification may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification shall be included in the scope of the claims of the present specification.

Claims

1. A resource processing method, characterized in that: Applied to the transfer system, the method comprises: receiving a resource processing request, wherein the resource processing request includes at least one resource processing sub-request corresponding to a resource processing type; When it is confirmed that the base service corresponding to the resource processing request is in the service transfer state, a resource processing sub-request corresponding to a resource recovery type is selected from the resource processing request; wherein the resource recovery type refers to a resource processing method in which resources are transferred from a user account to a financial institution; Using the resource processing method corresponding to the resource recovery type in the transfer system, based on the transfer agency identifier, the resource processing sub-request corresponding to the corresponding resource recovery type is processed; Wherein, when processing the resource processing request, it includes: generating a global identifier and at least one sub-identifier, wherein the global identifier is used to identify the overall processing process of the resource processing request to ensure the consistency of resource processing, wherein the same resource processing request corresponds to multiple different resource processing sub-requests or there are multiple processing links in the system, wherein the processing flows corresponding to different resource processing types are different, and accordingly, the processing requests corresponding to different resource processing types are used as resource processing sub-requests and are assigned different sub-identifiers; Accordingly, when it is confirmed that the base business corresponding to the resource processing request is in the business transfer state, a separate transfer business processing component is set to process the resource processing request corresponding to the corresponding transfer business data. Accordingly, the resource transfer processing and the resource processing corresponding to the transfer business data are not under the same component, and the resource account records are distinguished by components in the system. Each component corresponds to a different identifier in the resource management center. When cross-component resource account records are involved, a special cross-component is used to coordinate the processing of incoming and outgoing resources. Different processing links are configured with different sub-identifiers for distinction, and then the cross-component resource consistency proofreading or balancing processing is performed based on the global identifier; Among them, the resource processing sub-request corresponding to the corresponding resource recovery type is processed based on the transfer agency identifier, including: using the global identifier and the sub-identifier corresponding to the resource recovery type, and using the resource processing method corresponding to the resource recovery type in the transfer system, and performing resource processing based on the transfer agency identifier.

2. The method according to claim 1, characterized in that The method further comprises: Filtering out resource processing sub-requests corresponding to non-resource recovery types from the resource processing requests; The resource processing sub-request corresponding to the corresponding non-resource recovery type is processed based on the transferee institution identifier by utilizing the resource processing method of the resource recovery type in the transferee system pre-configured in the transfer system.

3. The method according to claim 2, characterized in that When the non-resource recovery type is a resource write-off type, a temporary record of the write-off amount is made based on the transferee settlement account of the transferor system; at a specified time point, after the write-off amounts within a specified time interval are summarized, the summarized write-off amounts are transferred from the transferee's loss reserve account in the transferor system.

4. The method according to claim 3, characterized in that The method further comprises: At a specified time point, the processing results corresponding to the resource processing requests within a specified time interval are summarized and sent to the transferee system so that the transferee system uploads them to the resource management center.

5. The method according to claim 1, characterized in that Based on the global identifier corresponding to the resource processing request and the sub-identifier of the resource processing sub-request corresponding to the resource recovery type, the resource processing sub-request corresponding to the corresponding resource recovery type is processed.

6. The method according to claim 2, characterized in that When the non-resource recovery type is not a write-off resource type, reallocating a sub-identifier for a resource processing sub-request corresponding to the non-resource recovery type; The resource processing sub-request corresponding to the corresponding non-resource recovery type is processed based on the reallocated sub-identifier and the global identifier corresponding to the resource processing request.

7. A resource processing device, characterized in that: Applied to the transfer system, the device comprises: A request receiving module, configured to receive a resource processing request, wherein the resource processing request includes at least one resource processing sub-request corresponding to a resource processing type; A screening module, for screening out a resource processing sub-request corresponding to a resource recovery type from the resource processing request when confirming that the base service corresponding to the resource processing request is in a service transfer state; wherein the resource recovery type refers to a resource processing method in which resources are transferred from a user account to a financial institution; A resource processing module, used to process a resource processing sub-request corresponding to the resource recovery type based on the transfer agency identifier by using the resource processing method corresponding to the resource recovery type in the transfer system; Wherein, when processing the resource processing request, it includes: generating a global identifier and at least one sub-identifier, wherein the global identifier is used to identify the overall processing process of the resource processing request to ensure the consistency of resource processing, wherein the same resource processing request corresponds to multiple different resource processing sub-requests or there are multiple processing links in the system, wherein the processing flows corresponding to different resource processing types are different, and accordingly, the processing requests corresponding to different resource processing types are used as resource processing sub-requests and are assigned different sub-identifiers; Accordingly, when it is confirmed that the base business corresponding to the resource processing request is in the business transfer state, a separate transfer business processing component is set to process the resource processing request corresponding to the corresponding transfer business data. Accordingly, the resource transfer processing and the resource processing corresponding to the transfer business data are not under the same component, and the resource account records are distinguished by components in the system. Each component corresponds to a different identifier in the resource management center. When cross-component resource account records are involved, a special cross-component is used to coordinate the processing of incoming and outgoing resources. Different processing links are configured with different sub-identifiers for distinction, and then the cross-component resource consistency proofreading or balancing processing is performed based on the global identifier; Among them, the resource processing sub-request corresponding to the corresponding resource recovery type is processed based on the transfer agency identifier, including: using the global identifier and the sub-identifier corresponding to the resource recovery type, and using the resource processing method corresponding to the resource recovery type in the transfer system, and performing resource processing based on the transfer agency identifier.

8. The device according to claim 7, characterized in that The screening module is further used to screen out resource processing sub-requests corresponding to non-resource recovery types from the resource processing requests; The resource processing module is also used to utilize the resource processing method of the resource recovery type pre-configured in the transfer system in the transferee system to process the resource processing sub-request corresponding to the corresponding non-resource recovery type based on the transferee institution identifier.

9. The device according to claim 8, characterized in that The resource processing module includes a temporary recording unit and an allocation unit; wherein, The temporary recording unit is used to temporarily record the write-off amount based on the transferee settlement account of the transferee institution in the transfer system when the non-resource recovery type is a write-off resource type; The transfer unit is used to transfer the written-off amounts in a specified time interval from the loss reserve account of the transferee institution in the transfer system after summarizing the written-off amounts in a specified time interval at a specified time point.

10. The device according to claim 9, characterized in that The device also includes: The result sending module is used to summarize the processing results corresponding to the resource processing requests within the specified time interval at a specified time point and send them to the transferee system so that the transferee system can upload them to the resource management center.

11. The device according to claim 7, characterized in that The resource processing module is further configured to process the resource processing sub-request corresponding to the corresponding resource recovery type based on the global identifier corresponding to the resource processing request and the sub-identifier of the resource processing sub-request corresponding to the resource recovery type.

12. The device according to claim 8, characterized in that The device also includes an identification allocation module; The identifier allocation module is used to reallocate a sub-identifier for a resource processing sub-request corresponding to the non-resource recovery type when the non-resource recovery type is not a write-off resource type; The resource processing module is further configured to process a resource processing sub-request corresponding to a corresponding non-resource recovery type based on the reallocated sub-identifier and the global identifier corresponding to the resource processing request.

13. A resource processing device, characterized in that: Applied to a transfer system, the device includes at least one processor and a memory for storing processor executable instructions, and the instructions, when executed by the processor, implement the steps of the method according to any one of claims 1 to 6.

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