A kind of method, device, equipment and medium for approving industry contract

Abstract

The application relates to the technical field of data processing, and particularly relates to a same-industry contract examination method and device, equipment and a medium. In the embodiment of the application, when an examination request for early termination of a same-industry contract is examined, according to the correspondence between saved identification information and each contract process, each contract process corresponding to the target identification information of the same-industry contract to be terminated early is determined; according to the current time, a current contract process is determined in each contract process, and the completion of each contract process before the current contract process is saved, and only when each contract process before the current contract process of the same-industry contract to be terminated early is completed, an online process corresponding to the examination request is created, so that the examination of the examination request for termination of the same-industry contract is more reasonable, the management capability of the same-industry contract is improved, and the normal execution of the same-industry contract is ensured.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of data processing, and in particular to a same industry contract approval method and device, equipment and medium. BACKGROUND

[0002] The same industry business system realizes the online process of the same industry business. A customer can initiate an application for a same industry contract of the same industry business based on the same industry business management system. A staff member can also realize the approval of the application for the same industry contract based on the same industry business system and approval elements, thereby reducing the workload of manual review.

[0003] However, in the prior art, after a customer applies for a same industry contract, the customer can make an early repayment before the expiration date of the same industry contract and modify the expiration date of the same industry contract. Specifically, the customer sends an approval request for terminating the same industry contract to the same industry business system to realize the early repayment. After the same industry business system receives the approval request, an online process corresponding to the approval request is created, and the online process is executed. This method will cause the ongoing same industry contract to be terminated in advance, which will affect the normal execution of the same industry contract. SUMMARY

[0004] The present application provides a same industry contract approval method, device, equipment and medium to solve the problem that the ongoing same industry contract is terminated in advance in the prior art, which will affect the normal execution of the same industry contract.

[0005] The present application provides a same industry contract approval method, device, equipment and medium to solve the problem that the ongoing same industry contract is terminated in advance in the prior art, which will affect the normal execution of the same industry contract.

[0006] The method comprises the following steps:

[0007] According to the correspondence between the saved identification information and each contract process, each contract process corresponding to the target identification information is determined. According to the current time, the current contract process is determined. The completion of each target contract process before the current contract process is saved.

[0008] If it is determined that each target contract process is completed, an online process corresponding to the approval request is created.

[0009] Further, after determining that each target contract process is completed, the method further comprises the following steps:

[0010] The repayment time carried in the approval request is obtained.

[0011] It is determined whether the repayment time is before the repayment expiration date corresponding to the current contract process.

[0012] If yes, a step of creating an online process corresponding to the approval request is performed.

[0013] Further, the method further comprises:

[0014] If the repayment time is after the repayment due date corresponding to the current contract process, it is determined that the repayment time does not satisfy the preset approval condition.

[0015] Further, the creating of the online process corresponding to the approval request comprises:

[0016] According to the saved approval process creation rule, a target approval process is created, wherein the target approval process comprises a first tentative approval sub-process, a first approval sub-process, a second tentative approval sub-process, and a second approval sub-process connected in sequence, and the target approval process comprises a jump condition between each two adjacent sub-processes.

[0017] Further, the method further comprises:

[0018] If it is determined that any of the target contract processes is not completed, it is determined that the completion of the target contract processes does not satisfy the preset approval condition.

[0019] Further, the receiving of the approval request for the early termination of the interbank contract comprises:

[0020] The input initiation request is received, wherein the initiation request carries target identification information of the interbank contract;

[0021] Content information of the interbank contract of the target identification information is displayed.

[0022] The input repayment time and the operation of initiating the approval are received.

[0023] Embodiments of the present application also provide an interbank contract approval device, and the device comprises:

[0024] The receiving module is configured to receive an input approval request for the termination of an interbank contract, wherein the approval request at least comprises target identification information of an interbank contract to be terminated early;

[0025] The processing module is configured to determine each contract process corresponding to the target identification information according to a saved correspondence between identification information and each contract process, determine a current contract process according to a current time, and acquire completion of each target contract process before the current contract process.

[0026] The approval module is configured to create an online process corresponding to the approval request if it is determined that each target contract process is completed.

[0027] Further, the processing module is further configured to acquire the repayment time carried in the approval request; determine whether the repayment time is before the repayment due date corresponding to the current contract process; and trigger the approval module if the repayment time is before the repayment due date corresponding to the current contract process.

[0028] Further, the processing module is further configured to determine that the repayment time does not satisfy the preset approval condition if the repayment time is after the repayment due date corresponding to the current contract process.

[0029] Further, the approval module is specifically configured to create a target approval process according to the saved approval process creation rule, wherein the target approval process comprises a first tentative approval sub-process, a first approval sub-process, a second tentative approval sub-process and a second approval sub-process connected in sequence, and the target approval process comprises a jump condition between each two adjacent sub-processes.

[0030] Further, the processing module is further configured to determine that the completion of each target contract process does not satisfy the preset approval condition if it is determined that any target contract process in the target contract processes is not completed.

[0031] Further, the receiving module is specifically configured to receive an input initiation request, wherein the initiation request carries target identification information of the interbank contract; display content information of the interbank contract of the target identification information; receive an input repayment time, and initiate an approval operation.

[0032] Embodiments of the present application further provide an electronic device, which comprises a processor configured to implement steps of the interbank contract approval method according to any one of the above embodiments when executing a computer program stored in a memory.

[0033] Embodiments of the present application further provide a computer readable storage medium, which stores a computer program, and the computer program is executed by a processor to implement steps of the interbank contract approval method according to any one of the above embodiments.

[0034] Embodiments of the present application further provide a computer program product, which comprises computer program code, and the computer program code causes a computer to execute steps of the interbank contract approval method according to any one of the above embodiments when the computer program code is executed on the computer.

[0035] In the embodiment of the present application, a termination approval request of an input interbank contract is received, wherein the approval request at least includes target identification information of an interbank contract to be terminated in advance, each contract process corresponding to the target identification information is determined according to the saved correspondence between the identification information and each contract process, a current contract process is determined in each contract process according to the current time, and the completion of each contract process before the current contract process is obtained. If it is determined that each contract process before the current contract process is completed, an online process corresponding to the approval request is created. That is, in the embodiment of the present application, when the approval request of the interbank contract to be terminated in advance is audited, only when each contract process before the current contract process of the interbank contract to be terminated in advance is completed, the online process corresponding to the approval request is created, so that the approval of the termination approval request of the interbank contract is more reasonable, the management ability of the interbank contract is improved, and the normal execution of the interbank contract is ensured. BRIEF DESCRIPTION OF DRAWINGS

[0036] In order to more clearly illustrate the technical solutions of the present application, the drawings needed in the embodiment description will be briefly introduced. Obviously, the drawings in the following description are only some embodiments of the present application, and other drawings can be obtained by those skilled in the art without creative labor.

[0037] Figure 1 A schematic diagram of an interbank contract approval process provided by the embodiment of the present application;

[0038] Figure 2 A schematic diagram of creating an online process provided by the embodiment of the present application;

[0039] Figure 3 A schematic diagram of an approval instruction provided by the embodiment of the present application;

[0040] Figure 4 A schematic diagram of an interbank contract approval process provided by the embodiment of the present application;

[0041] Figure 5 A schematic diagram of viewing the content of an approval request provided by the embodiment of the present application;

[0042] Figure 6 A schematic diagram of an interbank contract approval device structure provided by the embodiment of the present application;

[0043] Figure 7 A schematic diagram of an electronic device structure provided by the embodiment of the present application. DETAILED DESCRIPTION

[0044] In order to make the purposes, technical solutions and advantages of the present application clearer, further, the present application will be described in detail below with the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of the present application, but not all the embodiments. Based on the embodiments in the present application, all the other embodiments obtained by a person of ordinary skill in the art without creative work fall into the scope of protection of the present application.

[0045] In the embodiments of the present application, the correspondent business system receives an inputted approval request for terminating a correspondent contract, wherein the approval request at least includes target identification information of a correspondent contract to be terminated in advance, determines each contract process corresponding to the target identification information according to the saved correspondence between the identification information and each contract process, determines the current contract process according to the current time, and acquires the completion of each target contract process before the current contract process, and if it is determined that each target contract process is completed, creates an online process corresponding to the approval request.

[0046] In order to make the approval of the approval request for terminating the correspondent contract more reasonable, improve the management ability of the correspondent contract, and ensure that the correspondent contract is normally executed, the embodiments of the present application provide a correspondent contract approval method, device, equipment and medium.

[0047] The acquisition, storage, use, processing and the like of data in each technical solution of the present application comply with the relevant provisions of national laws and regulations.

[0048] Embodiment 1:

[0049] Figure 1 A correspondent contract approval process schematic diagram provided by the embodiments of the present application, the process includes:

[0050] S101: receiving an inputted approval request for terminating a correspondent contract, wherein the approval request at least includes target identification information of a correspondent contract to be terminated in advance.

[0051] The correspondent contract approval method provided by the embodiments of the present application is applied to an electronic device, which can be a PC, a server and the like. The electronic device is deployed with a correspondent business system and the like.

[0052] The correspondent contract stipulates the total repayment amount, the repayment amount of each period when repaying by installments, and the repayment time of each period, and the like. If the current period is not the last period of the repayment by installments, and the customer has the demand of repaying in advance, the customer can send an approval request for terminating the correspondent contract to the correspondent business system through the electronic device, wherein the approval request includes target identification information of the correspondent contract to be terminated in advance.

[0053] Specifically, in the embodiments of the present application, the display interface of the client-side device can display an operation interface of the inter-bank business system, the client can log in to account information of himself based on the operation interface, and select an inter-bank contract in the account information, and send an approval request for terminating the inter-bank contract to the inter-bank business system.

[0054] S102: According to the correspondence between the saved identification information and each contract process of the inter-bank contract, determine each contract process of the inter-bank contract corresponding to the target identification information, determine the current contract process according to the current time, and obtain the completion status of each target contract process before the current contract process.

[0055] In the embodiments of the present application, for each inter-bank contract, when the inter-bank contract is generated, the number of installments of the inter-bank contract corresponding to the installment is specified, wherein each installment corresponds to a contract process, that is, an inter-bank contract includes the same number of contract processes as the number of repayment periods. And for each inter-bank contract, the inter-bank business system saves the correspondence between the identification information of the inter-bank contract and each contract process corresponding to the inter-bank contract. When the inter-bank business system receives an approval request carrying target identification information of an inter-bank contract to be terminated, it can find each contract process corresponding to the inter-bank contract of the target identification information in the correspondence according to the saved correspondence between the identification information and each contract process.

[0056] In the embodiments of the present application, because the number of installments corresponding to each inter-bank contract is not less than two installments, each inter-bank contract corresponds to at least two contract processes, one contract process corresponds to one installment, and each contract process is the repayment process needed to be performed when the installment corresponding thereto is repaid. And each contract process is composed of at least one contract sub-process, each contract sub-process can be pre-specified or set by the client or the technical personnel in the actual repayment process. Specifically, each contract process can include one or more of the contract sub-processes of repayment declaration approval, collection and settlement period repayment declaration approval, collection and settlement period repayment settlement, and repayment settlement.

[0057] For each contract process, the completion status of each contract sub-process contained in the contract process is saved, that is, whether each contract process is completed. If a contract process contains at least one contract sub-process, and each contract sub-process is completed, it is determined that the contract process is completed. If any contract sub-process is not completed, it is determined that the contract process is not completed.

[0058] Further, in the embodiment of the present application, for each contract process corresponding to each interbank contract, the completion corresponding to the contract process saved in the interbank business system is used to determine whether the customer repayment is overdue or not. After the interbank business system obtains each contract process corresponding to the interbank contract with the target identification information, the interbank business system will determine the current contract process corresponding to the current time according to the current time, and take the contract process before the current contract process as the target contract process, and obtain the completion of each target contract process saved.

[0059] Specifically, for each contract process, the interbank system saves the execution start time and the execution end time corresponding to the contract process. After the interbank business system determines each contract process corresponding to the interbank contract with the target identification information, the interbank business system determines the contract process whose repayment time range composed of the execution start time and the execution end time includes the current time as the current contract process according to the execution start time and the execution end time corresponding to each contract process.

[0060] For example, in the embodiment of the present application, the interbank business corresponding to the interbank contract to be terminated in advance is divided into four periods for repayment, the interbank business system determines four contract processes corresponding to the interbank contract to be terminated in advance according to the target identification information of the interbank contract to be terminated in advance, and determines that the current contract process is the contract process corresponding to the third period of repayment according to the current time, and the current repayment time is in the repayment time range corresponding to the third period of repayment, and obtains the completion of the contract process corresponding to the first period of repayment and the contract process corresponding to the second period of repayment before the current contract process saved.

[0061] S103: If it is determined that each target contract process is completed, an online process corresponding to the approval request is created.

[0062] In the embodiment of the present application, after the interbank business system determines the completion of each target contract process before the current contract process corresponding to the interbank contract to be terminated in advance, the interbank business system determines whether to respond to the approval request for terminating the interbank contract according to the completion of each target contract process.

[0063] Specifically, in the embodiment of the present application, if it is determined that the completion of each target contract process is completed, that is, each target contract process is completed, an online process corresponding to the approval request is created.

[0064] In the embodiment of the present application, when the approval request for terminating the interbank contract is audited, only when each contract process before the current contract process corresponding to the interbank contract to be terminated in advance is completed, an online process corresponding to the approval request is created, so that the approval of the approval request for terminating the interbank contract is more reasonable, the management ability of the interbank contract is improved, and the normal termination of the interbank contract is ensured.

[0065] Embodiment 2

[0066] In order to determine whether the approval request meets the preset approval condition, on the basis of the above embodiments, in the embodiment of the application, after determining that each target contract process is completed, the method further comprises:

[0067] acquiring the repayment time carried in the approval request;

[0068] determining whether the repayment time is before the repayment due date corresponding to the current contract process;

[0069] If yes, a step of subsequently creating an online process corresponding to the approval request is executed.

[0070] In order to determine whether the approval request meets the preset approval condition, in the embodiment of the application, after the interbank business system determines that each target contract process corresponding to the interbank contract to be terminated in advance is completed, it will also determine whether the repayment time carried in the approval request meets the requirement of the repayment time corresponding to the current contract process.

[0071] Specifically, in the embodiment of the application, the approval request carries the repayment time, the interbank business system acquires the repayment time carried in the approval request, and determines whether the repayment time is before the repayment due date corresponding to the current contract process. If yes, it is determined that the approval request can be responded to, and an online process corresponding to the approval request is created.

[0072] In order to further determine whether the approval request meets the preset approval condition, on the basis of the above embodiments, in the embodiment of the application, the method further comprises:

[0073] If the repayment time is after the repayment due date corresponding to the current contract process, it is determined that the repayment time does not meet the preset approval condition.

[0074] In the embodiment of the application, if the repayment time carried in the approval request is after the repayment due date corresponding to the current contract process, it is determined that the repayment time does not meet the preset approval condition, that is, the approval request does not meet the preset approval condition, and the interbank business system does not create an online process corresponding to the approval request.

[0075] Embodiment 3

[0076] In order to respond to the approval request, on the basis of the above embodiments, in the embodiment of the application, the creation of the online process corresponding to the approval request comprises:

[0077] According to the saved approval process creation rule, a target approval process is created, wherein the target approval process comprises a first tentative approval reporting approval sub-process, a first approval reporting approval sub-process, a second tentative approval sub-process and a second approval sub-process connected in sequence, and the target approval process comprises a jump condition between each two adjacent sub-processes.

[0078] In the embodiment of the present application, when it is determined that the received approval request meets the preset approval condition, the interbank business system responds to the approval request, specifically including creating an online process corresponding to the approval request. In the embodiment of the present application, the approval process creation rule saved in the interbank business system is an approval process creation rule.

[0079] Specifically, according to the saved approval process creation rule, a target approval process is created. The target approval process comprises a first tentative approval reporting approval sub-process, a first approval reporting approval sub-process, a second tentative approval sub-process and a second approval sub-process connected in sequence, and the target approval process comprises a jump condition between each two adjacent sub-processes.

[0080] In the embodiment of the present application, the first tentative approval reporting approval sub-process is a branch tentative approval reporting approval sub-process, the first approval reporting approval sub-process is a branch approval reporting approval sub-process, the second tentative approval reporting approval sub-process is a head office tentative approval reporting approval sub-process, and the second approval reporting approval sub-process is a head office approval reporting approval sub-process.

[0081] In the embodiment of the present application, the jump condition is an instruction input by an approval personnel. Specifically, when the approval process is in the branch tentative approval reporting approval sub-process, if an approval passing instruction, or a tentative approval reporting instruction, is received, the process jumps to the branch approval reporting approval sub-process; when the approval process is in the branch approval reporting approval sub-process, if an approval passing instruction, or an approval reporting instruction, is received, the process jumps to the head office tentative approval sub-process; when the approval process is in the head office tentative approval sub-process, if an approval passing instruction, or a tentative approval instruction, is received, the process jumps to the head office approval sub-process; and when the approval process is in the head office approval sub-process, if an approval passing instruction, or an approval instruction, is received, it is determined that the approval request is passed, and a subsequent step of modifying the interbank contract can be performed.

[0082] In an embodiment of the present application, for each approval sub-process, the electronic device will display an approval interface corresponding to the approval sub-process on the display interface. Multiple buttons are displayed in the approval interface, and each button corresponds to a different approval instruction. For example, a button is used to enter the approval instruction corresponding to the approval, a button is used to enter the approval instruction corresponding to the return of the previous approval sub-process, a button is used to enter the approval instruction corresponding to the return to the customer, and a button is used to enter the approval instruction corresponding to the rejection of the approval request. The interbank business system can determine the approval instruction entered by the approver based on the button selected by the approver and the saved correspondence between the button and the approval instruction, and execute the operation corresponding to the approval instruction.

[0083] Figure 2 This is a schematic diagram of the online process provided in the embodiment of the present application. Figure 2 As shown, the process includes:

[0084] S201: Determine that each target contract process is completed.

[0085] S202: Create rules based on the saved branch approval process and create a target approval process.

[0086] Figure 3 A schematic diagram of the approval instructions provided in the embodiment of this application, such as Figure 3 As shown, the approval instruction received by the interbank business system can be one of the following: an approval instruction for approval, an approval instruction for returning to the previous approval sub-process, an approval instruction for returning to the customer, and an approval instruction for rejecting the approval request. The approval instruction can be one of an approval instruction for intending to approve the report, an approval instruction for agreeing to the report, an approval instruction for intending to approve the report, or an approval instruction; an approval instruction for returning to the previous approval sub-process is also called a return to the previous step approval instruction; an approval instruction for returning to the customer is also called a return to the initiator approval instruction; and an approval instruction for rejecting the approval request is also called a rejected approval instruction.

[0087] Figure 4 The flowchart of the interbank contract approval process provided in the embodiment of this application is as follows: Figure 4 As shown, the process includes:

[0088] S401: Receive an input approval request for terminating an interbank contract, wherein the approval request includes at least target identification information of the interbank contract to be terminated early.

[0089] S402: Determine each contract process corresponding to the target identification information based on the correspondence between the saved identification information and each contract process, determine the current contract process based on the current time, and obtain the completion status of each target contract process before the saved current contract process.

[0090] S403: If it is determined that each target contract process is completed, a target approval process is created according to the saved branch approval process creation rule.

[0091] Embodiment 4:

[0092] In order to improve the management ability of the approval request, on the basis of the above embodiments, in the embodiment of the application, the method further comprises:

[0093] If it is determined that any of the target contract processes is not completed, it is determined that the completion of each target contract process does not meet the preset approval condition.

[0094] In the embodiment of the application, after determining each target contract process corresponding to the interbank contract to be terminated in advance, if it is determined that any target contract process is not completed, it is determined that the completion of the target contract process does not meet the preset approval condition. At this time, the interbank business system does not respond to the approval request.

[0095] Among them, the uncompleted contract sub-process can include one or more of the following:

[0096] 1. Unfinished repayment contract sub-process, that is, currently in the investment period of the interbank business, the customer has paid the repayment amount, but the repayment amount is in the third-party account and has not arrived in the bank account.

[0097] 2. Unfinished collection and clearing period repayment contract sub-process, that is, currently in the collection period and the clearing period of the interbank business, the customer has paid the repayment amount, but the repayment amount is in the third-party account and has not arrived in the bank account.

[0098] 3. Unfinished collection and clearing period repayment settlement contract sub-process, that is, currently in the collection period and the clearing period of the interbank business, the customer has paid the repayment amount, and the bank has received the repayment amount, and settlement is made for the repayment amount, but the settlement is not completed.

[0099] 4. Collection and clearing period repayment but no repayment settlement contract sub-process, that is, currently in the collection period and the clearing period of the interbank business, the customer has paid the repayment amount, and the bank has received the repayment amount, but the settlement for the repayment amount has not been made.

[0100] 5. Unfinished repayment settlement contract sub-process, that is, currently in the investment period of the interbank business, the customer has paid the repayment amount, and the bank has received the repayment amount, and settlement is made for the repayment amount, but the settlement is not completed.

[0101] 6. The contract sub-process is not settled, i.e., the current contract is in the investment period of the interbank business, the customer has paid the repayment amount, and the bank has received the repayment amount, but the settlement for the repayment amount has not been performed.

[0102] Embodiment 5:

[0103] To better manage the interbank contract and improve the user experience, on the basis of the above embodiments, in the embodiment of the present application, the receiving of the approval request for the early termination of the interbank contract comprises:

[0104] receiving an input view request, wherein the view request carries target identification information of the interbank contract;

[0105] displaying content information of the interbank contract of the target identification information;

[0106] receiving an input repayment time, and initiating an approval operation.

[0107] In the embodiment of the present application, before initiating the approval request, the customer can view the content information of the interbank contract through the interbank business system, modify the content information, and initiate the approval request to the interbank business system. Specifically, the interbank business system receives an input initiation request carrying target identification information of the interbank contract, and displays the content information of the interbank contract of the target identification information on the display interface. The customer modifies the repayment date in the content information, and sends an approval request to the interbank business system based on the modified repayment date in the interface.

[0108] After the customer modifies the content information of the interbank contract, the current contract process may not be the contract process that the customer wants to end, and at this time the modified content can be saved without initiating the approval request. Specifically, at least two buttons are displayed on the display interface, each button corresponding to a different instruction. One of the at least two buttons is a button for sending an approval request, i.e., a submit approval button, and the other is a button for saving the modified content information, i.e., a save draft button. The customer can select the triggered button according to his own needs. The interbank business system saves the identification information of each button and the instruction corresponding to each identification information, and after receiving the operation of the customer triggering the button, the interbank business system executes the instruction corresponding to the identification information of the triggered button.

[0109] In addition, in the embodiment of the present application, the branch and the head office can also view the content of the approval request based on the interbank business system. The branch can only query the approval requests initiated by the branch, each product department of the head office can only query the approval requests corresponding to the interbank contracts of the corresponding related products, and the head office fund department can query the approval requests corresponding to each interbank contract.

[0110] Specifically, the query can be performed according to the approval request list, and the query can also be performed through the to-do list. For example, the inter-industry business system receives an operation of inputting to view the approval request list, displays the approval request list, receives an operation of selecting an approval request to be queried in the approval request list, and displays the content of the approval request to be queried; or receives an operation of selecting an approval request to be queried in the to-do list, and displays the content of the approval request to be queried.

[0111] Figure 5 An example of viewing the content of the approval request provided by the embodiment of the application is shown in the following figure. Figure 5 As shown in the figure, the customer inputs an operation of viewing the approval request list, and the inter-industry business system displays the approval request list after receiving the operation. The customer selects an approval request to be queried in the approval request list, and the inter-industry business system displays the content of the approval request to be queried after receiving the operation. Alternatively, the user selects an approval request to be queried in the to-do list, and the inter-industry business system displays the content of the approval request to be queried after receiving the operation.

[0112] Embodiment 6:

[0113] Figure 6 An inter-industry contract approval structure provided by the embodiment of the application is shown in the following figure. The device includes:

[0114] The receiving module 601 is configured to receive an inputted approval request of terminating an inter-industry contract, wherein the approval request at least includes target identification information of an inter-industry contract to be terminated in advance.

[0115] The processing module 602 is configured to determine each contract process corresponding to the target identification information according to the saved correspondence between the identification information and each contract process, determine the current contract process according to the current time, and acquire the completion condition of each target contract process before the current contract process.

[0116] The approval module 603 is configured to create an online process corresponding to the approval request if it is determined that each target contract process is completed.

[0117] In a possible implementation, the processing module 602 is further configured to acquire a repayment time carried in the approval request, determine whether the repayment time is before a repayment due date corresponding to the current contract process, and trigger the approval module if the repayment time is before the repayment due date corresponding to the current contract process.

[0118] In a possible implementation, the processing module 602 is further configured to determine that the repayment time does not meet a preset approval condition if the repayment time is after the repayment due date corresponding to the current contract process.

[0119] In a possible implementation, the approval module 603 is specifically configured to create a target approval process according to the saved approval process creation rule, where the target approval process includes, in sequence, a first tentative approval sub-process, a first approval sub-process, a second tentative approval sub-process, and a second approval sub-process, and the target approval process includes a jump condition between each two adjacent sub-processes.

[0120] In a possible implementation, the processing module 602 is further configured to determine, if it is determined that any of the target contract processes is not completed, that the completion of the target contract processes does not satisfy the preset approval condition.

[0121] In a possible implementation, the receiving module 601 is specifically configured to receive an input initiation request, where the initiation request carries target identification information of the interbank contract; display content information of the interbank contract of the target identification information; receive input repayment time, and initiate an approval operation.

[0122] Embodiment 7:

[0123] On the basis of the above-mentioned embodiments, the embodiments of the present application further provide an electronic device, Figure 7 A structural schematic diagram of an electronic device provided by the embodiments of the present application is shown in Figure 7 As shown, the electronic device includes a processor 71, a communication interface 72, a memory 73, and a communication bus 74, where the processor 71, the communication interface 72, and the memory 73 complete mutual communication through the communication bus 74;

[0124] The memory 73 stores a computer program, and when the program is executed by the processor 71, the processor 71 performs the following steps:

[0125] Receiving an input termination approval request of the interbank contract, where the approval request at least includes target identification information of the interbank contract to be terminated in advance;

[0126] According to the saved correspondence between the identification information and each contract process, determining each contract process corresponding to the target identification information, determining a current contract process according to a current time, and acquiring a completion condition of each target contract process before the current contract process;

[0127] If it is determined that each target contract process is completed, creating an online process corresponding to the approval request.

[0128] In a possible implementation, after determining that each target contract process is completed, the method further includes:

[0129] obtaining a repayment time carried in the approval request;

[0130] determining whether the repayment time is before a repayment due date corresponding to the current contract process;

[0131] if yes, performing a step of subsequently creating an online process corresponding to the approval request.

[0132] In a possible implementation, the method further includes:

[0133] if the repayment time is after the repayment due date corresponding to the current contract process, determining that the repayment time does not meet a preset approval condition.

[0134] In a possible implementation, the creating of the online process corresponding to the approval request includes:

[0135] creating a target approval process according to a saved approval process creation rule, wherein the target approval process includes, in sequence, a first tentative approval sub-process, a first approval sub-process, a second tentative approval sub-process, and a second approval sub-process, and the target approval process includes a jump condition between each two adjacent sub-processes.

[0136] In a possible implementation, the method further includes:

[0137] if it is determined that any of the target contract processes is not completed, determining that completion of the target contract processes does not meet a preset approval condition.

[0138] In a possible implementation, the receiving of the approval request for early termination of the interbank contract includes:

[0139] receiving an input initiation request, wherein the initiation request carries target identification information of the interbank contract;

[0140] displaying content information of the interbank contract of the target identification information;

[0141] receiving an input repayment time and an operation of initiating approval.

[0142] Since the principle of solving the problem of the above electronic device is similar to the approval of the interbank contract, the implementation of the above electronic device can refer to the embodiments of the method, and the repeated parts will not be described again.

[0143] The communication bus mentioned in the above-mentioned electronic device can be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus, etc. The communication bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, only one thick line is used in the figure, but it does not mean that there is only one bus or one type of bus. The communication interface 72 is used for communication between the above-mentioned electronic device and other devices. The memory can include a random access memory (RAM) and can also include a non-volatile memory (NVM), such as at least one disk storage. Optionally, the memory can also be at least one storage device located away from the aforementioned processor.

[0144] The above-mentioned processor can be a general-purpose processor, including a central processing unit, a network processor (NP), etc.; it can also be a digital signal processing processor (DSP), an application-specific integrated circuit, a field programmable gate array or other programmable logic device, a discrete gate or transistor logic device, a discrete hardware component, etc.

[0145] Example 8:

[0146] Based on the above embodiments, an embodiment of the present invention further provides a computer-readable storage medium, which stores a computer program executable by a processor. When the program is executed on the processor, the processor implements the following steps:

[0147] receiving an input approval request for terminating an interbank contract, wherein the approval request includes at least target identification information of the interbank contract to be terminated early;

[0148] Determine each contract process corresponding to the target identification information based on the correspondence between the stored identification information and each contract process, determine the current contract process based on the current time, and obtain the completion status of each target contract process before the current contract process;

[0149] If it is determined that each target contract process has been completed, an online process corresponding to the approval request is created.

[0150] In a possible implementation, after determining that each target contract process is completed, the method further includes:

[0151] Obtaining the repayment time included in the approval request;

[0152] determining whether the repayment time is before a repayment due date corresponding to the current contract process;

[0153] If yes, a step of creating an online process corresponding to the approval request is performed.

[0154] In a possible implementation, the method further includes:

[0155] If the repayment time is after the repayment due date corresponding to the current contract process, it is determined that the repayment time does not meet the preset approval condition.

[0156] In a possible implementation, the creating of the online process corresponding to the approval request includes:

[0157] creating a target approval process according to the saved approval process creation rule, where the target approval process includes, in sequence, a first tentative approval-for-reporting sub-process, a first approval-for-reporting sub-process, a second tentative approval sub-process, and a second approval sub-process, and the target approval process includes a jump condition between each two adjacent sub-processes.

[0158] In a possible implementation, the method further includes:

[0159] If it is determined that any of the target contract processes is not completed, it is determined that the completion of the target contract processes does not meet the preset approval condition.

[0160] In a possible implementation, the receiving of the approval request for early termination of the interbank contract includes:

[0161] receiving an input initiation request, where the initiation request carries target identification information of the interbank contract;

[0162] displaying content information of the interbank contract of the target identification information;

[0163] receiving an input repayment time and an operation of initiating approval.

[0164] Since the above computer readable storage medium solves the problem in the same way as the interbank contract approval, the implementation of the above computer readable storage medium can refer to the embodiments of the method, and the repeated parts will not be described again.

[0165] Embodiment 9:

[0166] The application embodiment further provides a computer program product, which, when executed by a computer, implements the interbank contract approval method described in any of the above method embodiments applied to the electronic device.

[0167] In the embodiments described above, all or some of the embodiments can be implemented by hardware, firmware or software, and the implementation can be a combination of any of them. All or some of the embodiments can be implemented as computer program products. The computer program products include one or more computer program instructions. When the computer program instructions are loaded in a computer and executed, all or some of the embodiments described in the specification are fully or partially implemented.

[0168] Those skilled in the art should understand that the embodiments of the present application can be provided as a method, a system or a computer program product. Therefore, the present application can take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage etc.) containing computer-usable program code.

[0169] The present application is described with reference to flowcharts and / or block diagrams of the methods, devices (systems) and computer program products according to the present application. It should be understood that each flow and / or block in the flowcharts and / or block diagrams can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device produce a device that implements the flow specified in the flowcharts and / or block diagrams. Figure 1 one or more flows and / or blocks Figure 1 means for performing the functions specified in the flow or flows and / or block or blocks.

[0170] These computer program instructions can also be stored in a computer-readable memory that can direct the computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer-readable memory produce a manufactured product including instruction means that implement the flow specified in the flowcharts and / or block diagrams. Figure 1 one or more flows and / or blocks Figure 1 means for performing the functions specified in the flow or flows and / or block or blocks.

[0171] These computer program instructions can also be loaded into a computer or other programmable data processing device, so that a series of operation steps are performed on the computer or other programmable device to produce a computer-implemented process, so that the instructions executed on the computer or other programmable device provide a process for implementing the flow specified in the flowcharts and / or block diagrams. Figure 1 one or more flows and / or blocks Figure 1 means for performing the functions specified in the flow or flows and / or block or blocks.

[0172] Obviously, many modifications and variations of the present application are possible in light of the above teachings. It is, therefore, to be understood that within the scope of the appended claims and their equivalents, the application can be practiced otherwise than as specifically described.

Claims

1. A method for approving interbank contracts, characterized in that: The method comprises: receiving an input approval request for terminating an interbank contract, wherein the approval request includes at least target identification information of the interbank contract to be terminated early; Determine each contract process corresponding to the target identification information based on the correspondence between the stored identification information and each contract process, determine the current contract process based on the current time, and obtain the completion status of each target contract process before the current contract process; If it is determined that each target contract process has been completed, then create an online process corresponding to the approval request; For each interbank contract, when the interbank contract is generated, the number of installment repayment periods corresponding to the interbank contract is specified, wherein each installment number corresponds to a contract process; The step of determining the current contract process based on the current time includes: According to the execution start time and execution end time corresponding to each contract process, the contract process whose repayment time range constituted by the execution start time and execution end time includes the current time is determined as the current contract process.

2. The method according to claim 1, characterized in that After determining that each target contract process is completed, the method further includes: Obtaining the repayment time included in the approval request; Determining whether the repayment time is before the repayment due date corresponding to the current contract process; If so, execute the subsequent steps of creating the online process corresponding to the approval request.

3. The method according to claim 2, characterized in that The method further comprises: If the repayment time is after the repayment due date corresponding to the current contract process, it is determined that the repayment time does not meet the preset approval conditions.

4. The method according to claim 1, wherein The online process for creating the approval request includes: A target approval process is created according to the saved approval process creation rules, wherein the target approval process includes a first intended approval reporting approval sub-process, a first approved reporting approval sub-process, a second intended approval approval sub-process, and a second approved approval sub-process connected in sequence, and the target approval process includes a jump condition between each two adjacent sub-processes.

5. The method according to claim 1, wherein The method further comprises: If it is determined that any target contract process in each target contract process has not been completed, it is determined that the completion status of each target contract process does not meet the preset approval conditions.

6. The method according to claim 1, characterized in that Receiving approval requests for early termination of interbank contracts includes: receiving an input initiation request, wherein the initiation request carries target identification information of the interbank contract; Display the content information of the interbank contract of the target identification information; Receive the input repayment time and initiate the approval operation.

7. A device for approving interbank contracts, characterized in that: The device comprises: a receiving module, configured to receive an input approval request for terminating an interbank contract, wherein the approval request includes at least target identification information of the interbank contract to be terminated early; A processing module is configured to determine each contract process corresponding to the target identification information based on the correspondence between the stored identification information and each contract process, determine the current contract process based on the current time, and obtain the completion status of each target contract process that was saved before the current contract process; An approval module, configured to create an online process corresponding to the approval request if it is determined that each target contract process has been completed; For each interbank contract, when the interbank contract is generated, the number of installment repayment periods corresponding to the interbank contract is specified, wherein each installment number corresponds to a contract process; Among them, the processing module is specifically used to determine the contract process whose repayment time range composed of the execution start time and execution end time includes the current time as the current contract process according to the execution start time and execution end time corresponding to each contract process.

8. The device according to claim 7, characterized in that The processing module is also used to obtain the repayment time carried in the approval request; determine whether the repayment time is before the repayment due date corresponding to the current contract process; if the repayment time is before the repayment due date corresponding to the current contract process, trigger the approval module.

9. The device according to claim 8, characterized in that The processing module is further configured to determine that the repayment time does not meet a preset approval condition if the repayment time is after the repayment due date corresponding to the current contract process.

10. The device according to claim 7, characterized in that The approval module is specifically used to create a target approval process based on the saved approval process creation rules, wherein the target approval process includes a first intended approval reporting approval sub-process, a first approved reporting approval sub-process, a second intended approval approval sub-process, and a second approved approval sub-process connected in sequence, and the target approval process includes a jump condition between each two adjacent sub-processes.

11. The device according to claim 7, characterized in that The processing module is further configured to determine that the completion status of each target contract process does not meet a preset approval condition if it is determined that any target contract process in each target contract process has not been completed.

12. The device according to claim 7, characterized in that The receiving module is specifically used to receive an input initiation request, wherein the initiation request carries the target identification information of the interbank contract; display the content information of the interbank contract with the target identification information; receive the input repayment time, and initiate the approval operation.

13. An electronic device, characterized in that: The electronic device includes a processor, which is used to implement the steps of the inter-bank contract approval method as described in any one of claims 1 to 6 when executing a computer program stored in a memory.

14. A computer-readable storage medium, characterized in that It stores a computer program, which, when executed by a processor, implements the steps of the interbank contract approval method as described in any one of claims 1 to 6.

15. A computer program product, characterized in that The computer program product includes: computer program code, which, when running on a computer, enables the computer to execute the steps of the inter-bank contract approval method as described in any one of claims 1-6.

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