Accounting data processing method, device, electronic device and storage medium

Abstract

The present invention discloses a method, device, electronic device and storage medium for processing account data, and relates to the field of data processing technology. A specific implementation of the method includes: in response to a request for processing account data, querying the current account data of a target account, identifying the account type of each account in the current account data, and screening the target account data whose account type is reverse interest repayment in each current account data; obtaining a transaction identifier corresponding to the target account data, querying the due date, due amount and corresponding repayment type of the target account data, and determining the deduction date and deduction amount of the target account data based on the historical account data of the target account; based on the deduction date and deduction amount, starting the reverse interest repayment operation program for the target account, and updating the historical account data of the target account. This implementation can solve the problem in the prior art that business personnel are required to perform reverse interest repayment operations, which is not only complicated but also inefficient.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a method, device, electronic device and storage medium for processing accounting data. Background Art

[0002] Reverse value date means the value date is before the current business day. In banking and other scenarios, account data processing is usually done separately for deposits and loans, so sometimes the deposit account data processing is later than the loan repayment time, that is, the reverse value deposit is recorded, and at this time, the loan account needs to be processed for reverse value repayment. In the prior art, because the deposit and loan accounts are processed separately, when reverse value repayment occurs, the business personnel need to perform the reverse value loan operation, which is not only complicated but also inefficient. Summary of the invention

[0003] In view of this, an embodiment of the present invention provides a method, device, electronic device and storage medium for processing accounting data, which can solve the problem in the prior art that business personnel are required to perform the operation of reverse interest payment, which is not only complicated but also inefficient.

[0004] To achieve the above objective, according to one aspect of an embodiment of the present invention, a method for processing accounting data is provided.

[0005] A method for processing account data according to an embodiment of the present invention includes: in response to a request for processing account data, obtaining a target account in the request for processing to query current account data of the target account, calling a preset recognition model to recognize the account type of each account in the current account data, and screening target account data whose account type is reverse interest repayment in each of the current account data;

[0006] For each of the target account data, a transaction identifier corresponding to the target account data is obtained, and a transaction data processing engine is called to query the due date, due amount and corresponding repayment type of the target account data from a preset database based on the transaction identifier, and then determine the deduction date and deduction amount of the target account data based on the historical account data of the target account;

[0007] Based on the deduction date and the deduction amount, a reverse interest repayment procedure is initiated for the target account, thereby updating the historical account data of the target account.

[0008] In one embodiment, the repayment type includes full repayment;

[0009] Determining the deduction date and deduction amount of the target account data based on the historical account data of the target account includes:

[0010] Filtering the account balances of the target account at various time points from the due date to the current date from the historical account data;

[0011] Based on the relationship between the account balance of the target account corresponding to each of the time points and the repayable balance, the deduction date and deduction amount of the target account data are determined.

[0012] In yet another embodiment, determining the deduction date and deduction amount of the target account data based on the relationship between the account balance of the target account corresponding to each time point and the repayable balance includes:

[0013] Based on the order of the time points from largest to smallest, searching for a target time point at which the corresponding account balance is less than the repayable balance;

[0014] Among the time points, the time point that is after and adjacent to the maximum target time point is determined as the deduction date, and the repayable amount is determined as the deduction amount.

[0015] In yet another embodiment, the account balance corresponding to the target account at each time point from the due date to the current date is screened from the historical account data, including:

[0016] Querying the account balance of the target account corresponding to the due date from the historical account data;

[0017] Determining that the account balance of the target account corresponding to the due repayment date is not less than the due repayment amount;

[0018] If so, the due date is determined as the deduction date, and the due amount is determined as the deduction amount; if not, the account balance of the target account corresponding to each time point from the due date to the current date is filtered from the historical account data.

[0019] In yet another embodiment, after determining the deduction date and the deduction amount of the target account data, the method further includes:

[0020] If the deduction date is greater than the due repayment date, the duration between the deduction date and the due repayment date is calculated to calculate the penalty interest amount corresponding to the target account based on the duration and the due repayment amount.

[0021] In yet another embodiment, determining the deduction date and deduction amount of the target account data based on the historical account data of the target account includes:

[0022] Based on the historical account data of the target account, determine whether the current status of the target account is normal and the current account balance of the target account is greater than the amount to be repaid;

[0023] If yes, the deduction date and deduction amount of the target account data are determined based on the historical account data of the target account; if no, a prompt message is sent.

[0024] In yet another embodiment, the repayment type includes a partial repayment;

[0025] Determining the deduction date and deduction amount of the target account data based on the historical account data of the target account includes:

[0026] Filtering the account balances of the target account at various time points from the due date to the current date from the historical account data;

[0027] Based on the account balance size of the target account corresponding to each of the time points, the deduction date and deduction amount of the target account data are determined.

[0028] In yet another embodiment, determining the deduction date and deduction amount of the target account data based on the account balance size corresponding to the target account at each time point includes:

[0029] Based on the order of the time points from largest to smallest, find the first target time point whose corresponding account balance is 0;

[0030] Taking the time point after and adjacent to the target time point as the starting deduction date, the time points after the target time point are sequentially used to determine the deduction dates of the target account data, and the corresponding deduction amounts are determined based on the account balances corresponding to the deduction dates, until the sum of the deduction amounts reaches the amount to be repaid or the account balance of the target account is 0.

[0031] To achieve the above objective, according to another aspect of an embodiment of the present invention, a device for processing accounting data is provided.

[0032] A processing device for account data in an embodiment of the present invention includes: a screening unit, which is used to respond to a processing request for account data, obtain a target account in the processing request to query the current account data of the target account, call a preset recognition model to identify the account type of each account in the current account data, and filter the target account data whose account type is reverse interest repayment in each of the current account data; a determination unit, which is used to obtain a transaction identifier corresponding to each target account data, call a transaction data processing engine to query the due date, due amount and corresponding repayment type of the target account data from a preset database based on the transaction identifier, and then determine the deduction date and deduction amount of the target account data based on the historical account data of the target account; an updating unit, which is used to start a reverse interest repayment operation procedure for the target account based on the deduction date and deduction amount, and then update the historical account data of the target account.

[0033] To achieve the above objective, according to another aspect of an embodiment of the present invention, an electronic device is provided.

[0034] An electronic device according to an embodiment of the present invention includes: one or more processors; a storage device for storing one or more programs, when the one or more programs are executed by the one or more processors, the one or more processors implement the accounting data processing method provided by the embodiment of the present invention.

[0035] To achieve the above objective, according to another aspect of an embodiment of the present invention, a computer readable medium is provided.

[0036] A computer-readable medium according to an embodiment of the present invention stores a computer program, and when the program is executed by a processor, the method for processing accounting data provided by the embodiment of the present invention is implemented.

[0037] To achieve the above objective, according to another aspect of an embodiment of the present invention, a computer program product is provided.

[0038] A computer program product according to an embodiment of the present invention includes a computer program, and when the program is executed by a processor, the method for processing accounting data provided by the embodiment of the present invention is implemented.

[0039] One embodiment of the above invention has the following advantages or beneficial effects: In the embodiment of the present invention, when it is necessary to process the account data of the target account, the account type of each current account data can be first identified from the current account data, so that the current account data that needs to be processed with reverse interest repayment can be screened out based on the account type; for the current account data of reverse interest repayment, the corresponding repayment date, repayment amount and repayment type can be queried based on the transaction identifier, and then the deduction date and deduction amount of the target account data can be determined based on the historical account data, and the reverse interest repayment operation procedure can be executed, so as to realize the automatic execution of reverse interest repayment of the target account, avoid the need for business personnel to perform the reverse interest payment operation, reduce the operation complexity, and improve the processing efficiency.

[0040] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with the specific implementation manner. BRIEF DESCRIPTION OF THE DRAWINGS

[0041] The accompanying drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention.

[0042] Figure 1 is a schematic diagram of a main process of a method for processing accounting data according to an embodiment of the present invention;

[0043] Figure 2 is a schematic diagram of a main process of a method for processing target account data according to an embodiment of the present invention;

[0044] Figure 3 is a schematic diagram of another main process of a method for processing target account data according to an embodiment of the present invention;

[0045] Figure 4 is a schematic diagram of main units of an apparatus for processing accounting data according to an embodiment of the present invention;

[0046] Figure 5 is an exemplary system architecture diagram to which embodiments of the present invention may be applied;

[0047] Figure 6 It is a schematic diagram of the structure of a computer system suitable for implementing the embodiment of the present invention. DETAILED DESCRIPTION

[0048] The following is a description of exemplary embodiments of the present invention in conjunction with the accompanying drawings, including various details of the embodiments of the present invention to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for clarity and conciseness, the description of well-known functions and structures is omitted in the following description.

[0049] It should be noted that the embodiments and features of the embodiments of the present invention can be combined with each other without conflict. The acquisition, storage, use, and processing of data in the technical solution of this application are in compliance with the relevant provisions of national laws and regulations.

[0050] For loans, if there is still principal and interest to be repaid before the loan claim date, the due date for the principal and interest = the claim date - 1 day; if there is still principal and interest to be repaid after the loan claim date (including the claim date), the due date for the principal and interest to be repaid after the claim date (including the claim date) = the due date for each principal and interest repayment bill.

[0051] In an embodiment of the present invention, a module for automatic repayment with reverse interest (automatic deduction IBB component) can be pre-configured. For loans with principal and interest to be repaid, the due date and amount to be repaid can be obtained, and the automatic deduction IBB component provided by the deposit can be called to automatically deduct the available balance of the corresponding account on the due date and the date after. IBB returns the information stored in the corresponding account every day starting from the due date, which may include the deduction amount and the deduction date. If the deduction date returned by IBB is less than the business date, it is determined to be a reverse interest repayment scenario. The loan can repay the loan account corresponding to the principal and interest of the loan with reverse interest according to the returned deduction date and deduction amount. For example, on the business day 10.25, the amount to be repaid on October 1 of loan A is 100, and the amount to be repaid on October 20 is 100, and IBB is called for repayment during this period. The first call to IBB returns the following information: Return deduction array [1], which includes the deduction date of October 12 and the deduction amount of 50; Return deduction array [2], which includes the deduction date of October 13 and the deduction amount of 50, then 100 can be used to record the 11-day penalty interest amount (1-12 days) and 50 can be used to record the 1-day penalty interest amount (12 days). The second call to IBB returns the following information: Return deduction array [1], which includes the deduction date of October 20 and the deduction amount of 50; Deduction array [2], which includes the deduction date of October 25 and the deduction amount of 50, and 50 can be used to record the 5-day penalty interest amount (20-25 days). Therefore, if there is a loan with principal and interest to be repaid (delinquent principal and interest), and the deduction start date is less than the current business day, it can be determined as a reverse interest repayment.

[0052] The embodiment of the present invention provides a method for processing accounting data, which can be executed by an accounting data processing system, such as Figure 1 As shown, the method includes:

[0053] S101: In response to a request for processing account data, a target account in the request for processing is obtained to query the current account data of the target account, a preset recognition model is called to identify the account type of each account in the current account data, and target account data whose account type is reverse interest repayment is selected in each current account data.

[0054] The processing request may be received from other devices, or may be triggered by the system through a preset program. For example, a processing request for accounting data may be automatically triggered based on a preset period.

[0055] In an embodiment of the present invention, the account data can be set to be processed based on a preset period, so the current account data can be the account data within the current period, wherein the preset period can be specifically days, months, etc. In the embodiment of the present invention, the preset period can be days as an example. In an embodiment of the present invention, the recognition model is pre-trained. Each account data can identify the account type based on the keywords in the account information. For example, the account information can include keywords such as deposits and repayments, so the recognition model can be trained by keywords, so that the keyword recognition by the recognition model can further identify the account type of the account data. The account type can include multiple types, such as repayment, deposits, loans, etc. For the account data of the repayment type, it can be further judged whether it is the account data of the reverse interest repayment based on the repayment date of the corresponding loan, and then after determining the account type of each current account data, the target account data of the account type of the reverse interest repayment in each current account data can be screened.

[0056] It should be noted that, in the embodiment of the present invention, a balance table of each account can be set for the account data, and the balance table records the account balance of each period based on a preset period, and updates the balance at a preset time point in each period. For example, if the preset period is a day, the time point can be zero o'clock every day. In this way, in the embodiment of the present invention, when the account data of the reverse interest repayment appears, the automatic repayment operation can be directly performed based on the balance table.

[0057] S102: For each item of account data, obtain the transaction identifier corresponding to the target account data, call the transaction engine, and query the due date, due amount and corresponding repayment type of the target account data from the preset database based on the transaction identifier, and then determine the deduction date and deduction amount of the target account data based on the historical account data of the target account.

[0058] When the target account data includes multiple items, they can be processed sequentially based on a preset order, for example, they can be processed sequentially based on the receiving time of the target account data.

[0059] For each target account data, the transaction identifier of the account data can be obtained from it to uniquely identify the transaction corresponding to the current account data, and then the transaction data processing engine can be called to query which account, which loan, etc. to be repaid based on the transaction identifier, and then the due date, due amount and corresponding repayment type of the target account data can be determined. In the embodiment of the present invention, the transaction data processing engine is pre-set and can be used for processing transaction data, such as reading or writing transaction data from a database, so the transaction data processing engine can be called in this step to query the due date, due amount and corresponding repayment type of the target account data from the preset database.

[0060] The repayment type can be pre-set, which can specifically include full repayment and partial repayment. Full repayment can mean a one-time repayment of the amount to be repaid, which usually requires that the account balance is sufficient for repayment and the account status is normal (that is, the account does not have special control status such as being sealed, receiving but not paying), and the deposit in the account can provide a daily balance starting from the interest date. Partial repayment means that the account balance is less than the amount to be repaid, so partial repayment is made first based on the account balance, that is, the amount is repaid based on the balance. The repayment type can be pre-set or determined based on the current balance of the target account.

[0061] The historical account data may represent the historical balance records of the target account, such as a balance table, which may include the updated balances of each account in each preset period. Therefore, the balance details in each preset period can be determined from the historical account data, and then the deduction date and deduction amount can be determined based on the due date, due amount and corresponding repayment type. The deduction date indicates the date on which the due amount is deducted from the target account, and the deduction amount indicates the amount deducted from the target account.

[0062] It should be noted that the due date for repayment can be the loan claim date - 1, and the amount due for repayment is usually the sum of the principal and interest due.

[0063] Specifically, in an embodiment of the present invention, when the repayment type is full repayment, the steps for determining the deduction date and deduction amount of the target account data may be: from the historical account data, filtering the account balance of the target account corresponding to each time point from the due date to the current date; based on the relationship between the account balance of the target account corresponding to each time point and the due balance, determining the deduction date and deduction amount of the target account data.

[0064] Full repayment requires that the current account balance of the target account is sufficient, that is, the account balance after deducting the frozen amount from the total balance of the target account is greater than or equal to the amount to be repaid. For full repayment type, you can trace back from the current time to find the time point that satisfies the deduction, and the time point that satisfies the deduction can be specifically the date when the account balance is less than the amount to be repaid.

[0065] Therefore, the account balances of the target accounts corresponding to each time point from the due date to the current date can be filtered out from the historical account data, and then the target time points where the corresponding account balance is less than the due balance can be found in order from large to small. The time point that is after and adjacent to the largest target time point is determined as the deduction date, and the due amount is determined as the deduction amount.

[0066] For example, assuming the amount to be repaid is 100 and the due date is the 21st, the corresponding account balances at each time point selected from the historical account data are: 150 on the 25th, 130 on the 24th, 130 on the 23rd, 90 on the 22nd, and 90 on the 21st. Therefore, the target time points are the 22nd and 21st, and the 23rd can be determined as the deduction date, and the deduction amount is 100.

[0067] It should be noted that if there is no target time point at which the corresponding account balance is less than the balance to be repaid at each time point from the due date to the current date, the repayment date can be determined as the deduction date. For example, assuming the amount to be repaid is 100 and the due date is the 21st, the corresponding account balances at each time point selected from the historical account data are: the 25th corresponds to an account balance of 150, the 24th corresponds to an account balance of 140, the 23rd corresponds to an account balance of 130, the 22nd corresponds to an account balance of 120, and the 21st corresponds to an account balance of 110. Therefore, if there is no target time point, the 21st can be directly determined as the deduction date, and the deduction amount is 100.

[0068] In some embodiments, when executing the step of determining the deduction date and deduction amount of the target account data, it is also possible to first determine whether the account balance corresponding to the due date is greater than the due amount. If so, the due date can be determined as the deduction date, and the deduction amount is the due amount; if not, the above steps of determining the deduction date and deduction amount of the target account data can be executed.

[0069] For example, assuming the repayment amount is 100 and the repayment date is the 21st, the corresponding account balances at each time point are selected from the historical account data: the corresponding account balance on the 25th is 150, the corresponding account balance on the 24th is 140, the corresponding account balance on the 23rd is 130, the corresponding account balance on the 22nd is 120, and the corresponding account balance on the 21st is 110. Therefore, the corresponding account balance on the 21st is greater than the repayment amount, and it can be determined that the 21st is the deduction date and the deduction amount is 100.

[0070] It should be noted that in this step, if the determined deduction date is greater than the due repayment date, it can be determined that the loan has not been repaid in time, so the penalty interest of the target account needs to be calculated. The calculation method can be preset, and specifically can be: calculate the duration between the deduction date and the due repayment date, and calculate the penalty interest amount corresponding to the target account based on the duration and the amount to be repaid. Furthermore, before executing this step, it is also necessary to judge the status of the target account. When it is determined that the current status of the target account is normal and the account balance is greater than the amount to be repaid, this step is executed to ensure that the deduction can be normal. If the current status of the target account is not normal or the account balance is less than the amount to be repaid, a prompt message can be sent to prompt the staff to handle it.

[0071] Specifically, in an embodiment of the present invention, when the repayment type is partial full repayment, the steps for determining the deduction date and deduction amount of the target account data may be: from the historical account data, filtering the account balance of the target account corresponding to each time point from the due date to the current date; based on the account balance size of the target account corresponding to each time point, determining the deduction date and deduction amount of the target account data.

[0072] Since partial repayment means that the amount of account balance will be deducted, the account balance of the target account corresponding to each time point from the due date to the current date can be filtered out from the historical account data, and then the first target time point with a corresponding account balance of 0 can be found based on the order of each time point from large to small; the time point after the target time point and adjacent to it is used as the starting deduction date, and the deduction date of the target account data is determined for the time points after the target time point in turn, and the corresponding deduction amount is determined based on the account balance corresponding to each deduction date, until the sum of the deduction amounts reaches the due amount or the account balance of the target account is 0.

[0073] For example, assuming that the amount to be repaid is 100 and the repayment date is the 21st, the corresponding account balances at each time point are selected from the historical account data: the account balance on the 25th is 150, the account balance on the 24th is 140, the account balance on the 23rd is 40, the account balance on the 22nd is 30, the account balance on the 21st is 20, and the account balance on the 20th is 10. Then it can be determined that the deduction date is 21st, and the corresponding deduction amount on the 21st is 20. Because the deduction of the previous day will also affect the balance at subsequent time points, deductions will be made day by day starting from the 21st, and the deduction amount is the difference between today and the previous day. Therefore, the corresponding deduction amount on the 22nd is 10, the corresponding deduction amount on the 23rd is 10, and the corresponding deduction amount on the 24th is 60. At this time, the sum of the deduction amounts is the amount to be repaid, and no further deductions will be made, resulting in the deduction dates of 21st, 22nd, 23rd and 24th.

[0074] It should be noted that in the above process, if the amount to be repaid is not paid off in time, penalty interest must also be calculated. For example, a loan of 80 will calculate penalty interest on the 21st, a loan of 70 will calculate penalty interest on the 22nd, and a loan of 60 will calculate penalty interest on the 23rd.

[0075] For another example, assuming the repayment amount is 100 and the repayment date is the 21st, the corresponding account balances at each time point are selected from the historical account data: the corresponding account balance on the 25th is 150, the corresponding account balance on the 24th is 140, the corresponding account balance on the 23rd is 40, the corresponding account balance on the 22nd is 80, the corresponding account balance on the 21st is 20, and the corresponding account balance on the 20th is 10. Then it can be determined that the deduction date is 21, the corresponding deduction amount on the 21st is 20, the corresponding deduction amount on the 22nd is 20, no deduction on the 23rd, and the corresponding deduction amount on the 24th is 60 yuan. At the same time, a loan of 80 will calculate the penalty interest for one day on the 21st, and a loan of 60 will calculate the penalty interest for two days from 22nd to 23rd.

[0076] S103: Based on the deduction date and the deduction amount, start the reverse interest repayment operation procedure for the target account, and then update the historical account data of the target account.

[0077] Among them, after determining the above-mentioned deduction date and deduction amount, the reverse interest repayment operation procedure for the target account can be started. In the embodiment of the present invention, an IBB can be pre-built to execute the reverse interest repayment operation procedure. At the same time, the historical account data of the target account is also required to ensure the accuracy of the account data.

[0078] It should be noted that the method in the embodiment of the present invention can also be used for the processing of internal accounts. For a scenario where a loan contract is associated with multiple accounts, the repayment operation can be performed from the first to the last deposit account determined as the target account according to the preset order of deduction accounts. In the case of a loan with multiple periods of receivables (multiple periods of arrears), the deduction order set at the contract level and the repayment order of the bill age from far to near in the specific contract can be automatically reversed for each bill period. If a reverse interest repayment occurs within the tolerance period of the loan, and the actual repayment date and the deduction date are later than the due repayment date, it can still be processed as overdue repayment. If the reverse interest repayment exceeds the tolerance period of the loan, and the repayment date is the due repayment date, the automatic reversal of the overdue and the penalty interest compounding can be performed to achieve automatic loan repayment without user intervention. Since the purpose of automatic repayment with reverse interest is to solve the "false arrears" caused by time difference, the retrospective time (maximum pursuit date) of the repayment with reverse interest should not usually span a long time in the application, such as across the New Year, across multiple years, etc. For example, considering the longest consecutive holiday of N days, the maximum pursuit date can be set to N+n days, where N and n are both integers greater than 0. If the deposit date of the deposit or internal account with reverse interest exceeds the maximum pursuit date, the embodiment of the present invention can be set to be processed, and the repayment is made online. The automatic deduction of reverse interest will be deducted according to the account balance until it reaches zero.

[0079] In an embodiment of the present invention, the account type of each current account data can be first identified in the current account data, so that the current account data that needs to be processed with reverse interest repayment can be screened out based on the account type; for the current account data of reverse interest repayment, the corresponding repayment date, repayment amount and repayment type can be queried based on the transaction identifier, and then the deduction date and deduction amount of the target account data can be determined based on the historical account data, and the reverse interest repayment operation procedure can be executed, so as to realize the automatic execution of the reverse interest repayment of the target account, avoid the need for business personnel to perform the reverse interest repayment operation, reduce the complexity of the operation, and improve the processing efficiency.

[0080] Combine the following Figure 1 The embodiment shown in the figure specifically describes the method for processing target account data in the embodiment of the present invention. Figure 2 As shown, the method includes:

[0081] S201: Obtain a transaction identifier corresponding to the target account data to call a transaction data processing engine to query the due date, due amount and corresponding repayment type of the target account data.

[0082] Among them, the repayment type takes full repayment as an example.

[0083] S202: Filter the account balances of the target accounts corresponding to the respective time points from the due date to the current date from the historical account data.

[0084] S203: Based on the order of each time point from large to small, find the target time point at which the corresponding account balance is less than the balance to be repaid.

[0085] S204: Among the time points, the time point that is adjacent to and after the maximum target time point is determined as the deduction date, and the amount to be repaid is determined as the deduction amount.

[0086] Combine the following Figure 1 The embodiment shown in the figure specifically describes the method for processing target account data in the embodiment of the present invention. Figure 3 As shown, the method includes:

[0087] S301: Obtain a transaction identifier corresponding to the target account data to call a transaction data processing engine to query the due date, due amount and corresponding repayment type of the target account data.

[0088] Among them, the repayment type takes partial repayment as an example.

[0089] S302: Filter the account balances of the target accounts corresponding to each time point from the due date to the current date from the historical account data.

[0090] S303: Based on the order of the time points from large to small, find the first target time point whose corresponding account balance is 0.

[0091] S304: Taking the time point after the target time point and adjacent to the target time point as the starting deduction date, the time points after the target time point are sequentially used to determine the deduction dates of the target account data, and the corresponding deduction amounts are determined based on the account balances corresponding to the deduction dates, until the sum of the deduction amounts reaches the amount to be repaid or the account balance of the target account is 0.

[0092] In order to solve the problems existing in the prior art, the embodiment of the present invention provides a device 400 for processing account data, such as Figure 4 As shown, the device 400 includes:

[0093] The screening unit 401 is used to respond to a request for processing account data, obtain a target account in the processing request, query current account data of the target account, call a preset recognition model, identify the account type of each account in the current account data, and screen the target account data of each account type of the current account data as reverse interest repayment;

[0094] The determining unit 402 is used to obtain a transaction identifier corresponding to the target account data for each target account data, and call a transaction data processing engine to query the due date, due amount and corresponding repayment type of the target account data from a preset database based on the transaction identifier, and then determine the deduction date and deduction amount of the target account data based on the historical account data of the target account;

[0095] The updating unit 403 is used to start the reverse interest repayment operation procedure for the target account based on the deduction date and the deduction amount, thereby updating the historical account data of the target account.

[0096] It should be understood that the manner of implementing the embodiments of the present invention is different from the Figure 1 The method of the illustrated embodiment is the same and will not be repeated here.

[0097] In one embodiment, the repayment type includes full repayment;

[0098] The determining unit 402 is specifically configured to:

[0099] Filtering the account balances of the target account at various time points from the due date to the current date from the historical account data;

[0100] Based on the relationship between the account balance of the target account corresponding to each of the time points and the repayable balance, the deduction date and deduction amount of the target account data are determined.

[0101] In yet another embodiment, the determining unit 402 is specifically configured to:

[0102] Based on the order of the time points from largest to smallest, searching for a target time point at which the corresponding account balance is less than the repayable balance;

[0103] Among the time points, the time point that is after and adjacent to the maximum target time point is determined as the deduction date, and the repayable amount is determined as the deduction amount.

[0104] In yet another embodiment, the determining unit 402 is specifically configured to:

[0105] Querying the account balance of the target account corresponding to the due date from the historical account data;

[0106] Determining that the account balance of the target account corresponding to the due repayment date is not less than the due repayment amount;

[0107] If so, the due date is determined as the deduction date, and the due amount is determined as the deduction amount; if not, the account balance of the target account corresponding to each time point from the due date to the current date is filtered from the historical account data.

[0108] In yet another embodiment, the determining unit 402 is specifically configured to:

[0109] If the deduction date is greater than the due repayment date, the duration between the deduction date and the due repayment date is calculated to calculate the penalty interest amount corresponding to the target account based on the duration and the due repayment amount.

[0110] In yet another embodiment, the determining unit 402 is specifically configured to:

[0111] Based on the historical account data of the target account, determine whether the current status of the target account is normal and the current account balance of the target account is greater than the amount to be repaid;

[0112] If yes, the deduction date and deduction amount of the target account data are determined based on the historical account data of the target account; if no, a prompt message is sent.

[0113] In yet another embodiment, the repayment type includes a partial repayment;

[0114] The determining unit 402 is specifically configured to:

[0115] Filtering the account balances of the target account at various time points from the due date to the current date from the historical account data;

[0116] Based on the account balance size of the target account corresponding to each of the time points, the deduction date and deduction amount of the target account data are determined.

[0117] In yet another embodiment, the determining unit 402 is specifically configured to:

[0118] Based on the order of the time points from largest to smallest, find the first target time point whose corresponding account balance is 0;

[0119] Taking the time point after and adjacent to the target time point as the starting deduction date, the time points after the target time point are sequentially used to determine the deduction dates of the target account data, and the corresponding deduction amounts are determined based on the account balances corresponding to the deduction dates, until the sum of the deduction amounts reaches the amount to be repaid or the account balance of the target account is 0.

[0120] It should be understood that the manner of implementing the embodiments of the present invention is different from the Figure 1 ,2 , and 3 are the same as the embodiments shown in FIG. 3 and will not be described again here.

[0121] In an embodiment of the present invention, the account type of each current account data can be first identified in the current account data, so that the current account data that needs to be processed with reverse interest repayment can be screened out based on the account type; for the current account data of reverse interest repayment, the corresponding repayment date, repayment amount and repayment type can be queried based on the transaction identifier, and then the deduction date and deduction amount of the target account data can be determined based on the historical account data, and the reverse interest repayment operation procedure can be executed, so as to realize the automatic execution of the reverse interest repayment of the target account, avoid the need for business personnel to perform the reverse interest repayment operation, reduce the complexity of the operation, and improve the processing efficiency.

[0122] According to an embodiment of the present invention, the embodiment of the present invention further provides an electronic device and a readable storage medium.

[0123] The electronic device of an embodiment of the present invention comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the one processor, and the instructions are executed by the at least one processor so that the at least one processor executes the method for processing accounting data provided by the embodiment of the present invention.

[0124] Figure 5 An exemplary system architecture 500 is shown to which the method for processing accounting data or the apparatus for processing accounting data according to the embodiment of the present invention can be applied.

[0125] like Figure 5 As shown, system architecture 500 may include terminal devices 501, 502, 503, a network 504 and a server 505. Network 504 is used to provide a medium for communication links between terminal devices 501, 502, 503 and server 505. Network 504 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0126] The user can use the terminal devices 501, 502, 503 to interact with the server 505 through the network 504 to receive or send messages, etc. Various client applications can be installed on the terminal devices 501, 502, 503.

[0127] The terminal devices 501 , 502 , and 503 may be, but are not limited to, smart phones, tablet computers, laptop computers, and desktop computers, etc.

[0128] The server 505 may be a server that provides various services. The server may analyze and process the received data such as the product information query request, and feed back the processing result (such as product information - just an example) to the terminal device.

[0129] It should be noted that the method for processing the accounting data provided in the embodiment of the present invention is generally executed by the server 505 , and accordingly, the processing device for the accounting data is generally disposed in the server 505 .

[0130] It should be understood that Figure 5 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0131] Reference below Figure 6 , which shows a schematic diagram of the structure of a computer system 600 suitable for implementing an embodiment of the present invention. Figure 6 The computer system shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0132] like Figure 6 As shown, the computer system 600 includes a central processing unit (CPU) 601, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage part 608 into a random access memory (RAM) 603. In the RAM 603, various programs and data required for the operation of the system 600 are also stored. The CPU 601, the ROM 602, and the RAM 603 are connected to each other via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.

[0133] The following components are connected to the I / O interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, a modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I / O interface 605 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 610 as needed, so that a computer program read therefrom is installed into the storage section 608 as needed.

[0134] In particular, according to the embodiments disclosed in the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present invention include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 609, and / or installed from the removable medium 611. When the computer program is executed by the central processing unit (CPU) 601, the above-mentioned functions defined in the system of the present invention are executed.

[0135] It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0136] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present invention. In this regard, each box in the flow chart or block diagram can represent a unit, a program segment, or a part of a code, and the above-mentioned unit, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0137] The units involved in the embodiments of the present invention may be implemented by software or hardware. The units described may also be set in a processor, for example, it may be described as: a processor includes a screening unit, a determination unit, and an update unit. The names of these units do not constitute a limitation on the units themselves in some cases, for example, the screening unit may also be described as a "unit for the target account data screening function".

[0138] As another aspect, the present invention further provides a computer-readable medium, which may be included in the device described in the above embodiment; or may exist independently without being assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device executes the method for processing accounting data provided by the present invention.

[0139] As another aspect, the present invention further provides a computer program product, including a computer program, which, when executed by a processor, implements the method for processing accounting data provided in an embodiment of the present invention.

[0140] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A method for processing accounting data, characterized in that: include: In response to a request for processing account data, a target account in the request is obtained to query current account data of the target account, a preset recognition model is called to identify the account type of each account in the current account data, and target account data whose account type is reverse interest repayment in each of the current account data is selected; For each of the target account data, a transaction identifier corresponding to the target account data is obtained, and a transaction data processing engine is called to query the due date, due amount and corresponding repayment type of the target account data from a preset database based on the transaction identifier, and then determine the deduction date and deduction amount of the target account data based on the historical account data of the target account; Based on the deduction date and the deduction amount, initiating a reverse interest repayment operation procedure for the target account, thereby updating the historical account data of the target account; The repayment types include full repayment; Determining the deduction date and deduction amount of the target account data based on the historical account data of the target account includes: Filtering the account balances of the target account at various time points from the due date to the current date from the historical account data; Determine the deduction date and deduction amount of the target account data based on the relationship between the account balance of the target account corresponding to each of the time points and the repayable balance; The repayment types include partial repayment; Determining the deduction date and deduction amount of the target account data based on the historical account data of the target account includes: Filtering the account balances of the target account at various time points from the due date to the current date from the historical account data; Based on the account balance size of the target account corresponding to each of the time points, the deduction date and deduction amount of the target account data are determined.

2. The method according to claim 1, characterized in that: Determining the deduction date and deduction amount of the target account data based on the relationship between the account balance of the target account corresponding to each time point and the repayable balance includes: Based on the order of the time points from largest to smallest, searching for a target time point at which the corresponding account balance is less than the repayable balance; Among the time points, the time point that is after and adjacent to the maximum target time point is determined as the deduction date, and the repayable amount is determined as the deduction amount.

3. The method according to claim 1, characterized in that From the historical account data, the account balance corresponding to the target account at each time point from the due date to the current date is screened, including: Querying the account balance of the target account corresponding to the due date from the historical account data; Determining that the account balance of the target account corresponding to the due repayment date is not less than the due repayment amount; If so, the due date is determined as the deduction date, and the due amount is determined as the deduction amount; if not, the account balance of the target account corresponding to each time point from the due date to the current date is filtered from the historical account data.

4. The method according to claim 1, characterized in that: After determining the deduction date and deduction amount of the target account data, the method further includes: If the deduction date is greater than the due repayment date, the duration between the deduction date and the due repayment date is calculated to calculate the penalty interest amount corresponding to the target account based on the duration and the due repayment amount.

5. The method according to claim 1, characterized in that Determining the deduction date and deduction amount of the target account data based on the historical account data of the target account includes: Based on the historical account data of the target account, determine whether the current status of the target account is normal and the current account balance of the target account is greater than the amount to be repaid; If yes, the deduction date and deduction amount of the target account data are determined based on the historical account data of the target account; if no, a prompt message is sent.

6. The method according to claim 1, characterized in that Determining the deduction date and deduction amount of the target account data based on the account balance size corresponding to the target account at each time point includes: Based on the order of the time points from largest to smallest, find the first target time point whose corresponding account balance is 0; Taking the time point after and adjacent to the target time point as the starting deduction date, the time points after the target time point are sequentially used to determine the deduction dates of the target account data, and the corresponding deduction amounts are determined based on the account balances corresponding to the deduction dates, until the sum of the deduction amounts reaches the amount to be repaid or the account balance of the target account is 0.

7. A device for processing accounting data, characterized in that: include: A screening unit, configured to respond to a request for processing account data, obtain a target account in the processing request, query current account data of the target account, call a preset recognition model, identify the account type of each account in the current account data, and screen each target account data of the current account data whose account type is reverse interest repayment; a determination unit, configured to obtain, for each piece of the target account data, a transaction identifier corresponding to the target account data, and call a transaction data processing engine to query, based on the transaction identifier, the due date for repayment, the due amount for repayment, and the corresponding repayment type of the target account data from a preset database, and further determine the deduction date and deduction amount of the target account data based on the historical account data of the target account; An updating unit, configured to start a reverse interest repayment operation procedure for the target account based on the deduction date and the deduction amount, thereby updating the historical account data of the target account; The repayment types include full repayment; The determining unit is specifically configured to: Filtering the account balances of the target account at various time points from the due date to the current date from the historical account data; Determine the deduction date and deduction amount of the target account data based on the relationship between the account balance of the target account corresponding to each of the time points and the repayable balance; The repayment types include partial repayment; The determining unit is specifically configured to: Filtering the account balances of the target account at various time points from the due date to the current date from the historical account data; Based on the account balance size of the target account corresponding to each of the time points, the deduction date and deduction amount of the target account data are determined.

8. The device according to claim 7, characterized in that The determining unit is specifically configured to: Based on the order of the time points from largest to smallest, searching for a target time point at which the corresponding account balance is less than the repayable balance; Among the time points, the time point that is after and adjacent to the maximum target time point is determined as the deduction date, and the repayable amount is determined as the deduction amount.

9. The device according to claim 7, characterized in that The determining unit is specifically configured to: Querying the account balance of the target account corresponding to the due date from the historical account data; Determining that the account balance of the target account corresponding to the due repayment date is not less than the due repayment amount; If so, the due date is determined as the deduction date, and the due amount is determined as the deduction amount; if not, the account balance of the target account corresponding to each time point from the due date to the current date is filtered from the historical account data.

10. The device according to claim 7, characterized in that The determining unit is further configured to: If the deduction date is greater than the due repayment date, the duration between the deduction date and the due repayment date is calculated to calculate the penalty interest amount corresponding to the target account based on the duration and the due repayment amount.

11. The device according to claim 7, characterized in that The determining unit is specifically configured to: Based on the historical account data of the target account, determine whether the current status of the target account is normal and the current account balance of the target account is greater than the amount to be repaid; If yes, the deduction date and deduction amount of the target account data are determined based on the historical account data of the target account; if no, a prompt message is sent.

12. An electronic device, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 6.

13. A computer readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 6 is implemented.

14. A computer program product comprising a computer program, characterized in that When the program is executed by a processor, the method according to any one of claims 1 to 6 is implemented.

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