Repayment cancellation method, device, computer program product and storage medium

Abstract

The present invention provides a repayment cancellation method, apparatus, computer program product, and storage medium. The method comprises: receiving a repayment cancellation application; determining whether the repayment amount corresponding to the repayment cancellation application has been successfully credited; and, in response to the repayment amount corresponding to the repayment cancellation application not being successfully credited, rolling back the expense item to be canceled based on the repayment method of the expense item to be canceled that is covered by the repayment amount. The method provided by the present invention, by utilizing the repayment method of the expense item to be canceled, addresses repayment cancellation requirements for various complex crediting methods, thereby improving the efficiency of repayment cancellation.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a repayment cancellation method, device, computer program product, and storage medium. Background Art

[0002] In financial systems, if a customer requests a reversal of a repayment, or if repayment information is incorrect due to improper operation by business personnel, the repayment amount must be reversed. In practice, the customer's repayment amount may or may not have been recorded in the system. However, the expense items involved in the repayment amount have strong dependencies. Especially when different expense items use different repayment methods and are independently repaid, once a reversal occurs, it is extremely difficult for the accounting system to ensure reliability and timeliness.

[0003] Currently, there are two methods for repayment cancellation. The first is a cancellation and reversal mode based on the repayment of principal and interest. That is, when the repayment of principal is canceled, the financial system automatically rolls back the corresponding interest. The second is a manual intervention method, that is, technical personnel modify the underlying data of the financial system, and business personnel manually check and process it.

[0004] However, the first method cannot properly handle other related expense items with strong dependencies, and cannot meet the business needs of the financial system. The second method manually intervenes to modify transaction data in the financial system, which poses extremely high potential legal compliance risks and cannot meet the repayment and cancellation requirements of various complex accounting methods, resulting in low repayment cancellation efficiency. Summary of the Invention

[0005] The present invention provides a repayment cancellation method, device, computer program product and storage medium, which are used to solve the defects in the existing technology that the repayment cancellation needs of various complex accounting methods cannot be met and the repayment cancellation efficiency is low, and realize the repayment cancellation needs of various complex accounting methods, thereby improving the repayment cancellation efficiency.

[0006] The present invention provides a repayment cancellation method, the method comprising:

[0007] Receive repayment cancellation applications;

[0008] Determining whether the repayment amount corresponding to the repayment cancellation application is successfully credited;

[0009] In response to the repayment amount corresponding to the repayment cancellation application not being successfully recorded, the expense item to be canceled is rolled back according to the repayment method of the expense item to be canceled covered by the repayment amount.

[0010] According to a repayment cancellation method provided by the present invention, the repayment mode includes at least one of the following: real-time arrival, non-real-time arrival, the presence of a reduction or offset amount, and the absence of a reduction or offset amount;

[0011] The cancellation type corresponding to the cancellation of the repayment application includes cancellation by repayment amount or cancellation by fee item.

[0012] According to a repayment cancellation method provided by the present invention, the method of rolling back the fee item to be canceled according to the repayment method of the fee item to be canceled covered by the repayment amount corresponding to the repayment cancellation application includes:

[0013] In response to the cancellation type being cancellation based on the repayment amount:

[0014] Roll back all pending fee items covered by the repayment amount and with a repayment method of real-time payment;

[0015] Roll back all the fee items covered by the repayment amount that are not received in real time and have reductions or offsets pending cancellation.

[0016] For all repayment items covered by the repayment amount, which are non-real-time payment methods and have no exemptions or offsets, a rollback operation will be performed.

[0017] According to a repayment cancellation method provided by the present invention, the method of rolling back the fee item to be canceled according to the repayment method of the fee item to be canceled covered by the repayment amount corresponding to the repayment cancellation application includes:

[0018] In response to the cancellation type being cancellation by fee item, and the repayment method of the fee item to be canceled specified in the repayment cancellation application being real-time payment, rolling back the fee item to be canceled; or

[0019] In response to the fact that the cancellation type corresponding to the repayment cancellation application is cancellation by fee item, and the repayment method of the fee item to be canceled specified in the repayment cancellation application is non-real-time payment, determine whether there is any reduction or offset amount for the fee item to be canceled; if there is any reduction or offset amount for the fee item to be canceled, roll back the fee item to be canceled; if there is no reduction or offset amount for the fee item to be canceled, roll back the fee item to be canceled.

[0020] According to a repayment cancellation method provided by the present invention, the method further includes:

[0021] In response to the cancellation type being cancellation by fee item, and the repayment method of the fee item to be canceled specified in the repayment cancellation application being non-real-time payment, if the calculation of the fee item to be canceled does not depend on the fee item, rolling back the fee item to be canceled; or

[0022] If the calculation of the expense item to be canceled depends on the target expense item, the refund amount of the expense item to be canceled and the refund amount of the expense item to be canceled are determined based on the expense item calculation method of the expense item to be canceled and the target expense item.

[0023] According to a repayment cancellation method provided by the present invention, the method further includes:

[0024] In response to the repayment amount corresponding to the repayment cancellation application being successfully credited, a rollback operation is performed on the repayment amount.

[0025] According to a repayment cancellation method provided by the present invention, a rollback operation is performed on all repayment methods covered by the repayment amount that are not received in real time and have fee items to be canceled with reductions or offsets, including:

[0026] For all repayment methods covered by the repayment amount that are not real-time and have all pending fee items with reductions or offsets, roll back the pending fee item that was first covered by the repayment amount;

[0027] Determine whether there are any pending expense items that have not yet been rolled back for offset or reduction;

[0028] If there are any expense items to be canceled that have not yet been rolled back for offset or exemption, the expense items to be canceled will be rolled back in the order of the expense items covered by the repayment amount and the account splitting relationship, based on the principle of rolling back the expense items that were covered first, until all expense items to be canceled that have offset or exemption amounts are rolled back.

[0029] The present invention also provides a repayment cancellation device, comprising:

[0030] A receiving module, used for receiving a repayment cancellation application;

[0031] The first judgment module is used to judge whether the repayment amount corresponding to the repayment cancellation application is successfully recorded;

[0032] The first rollback module is used to, in response to the repayment amount corresponding to the repayment cancellation application not being successfully recorded, roll back the to-be-cancelled expense item according to the repayment method of the to-be-cancelled expense item covered by the repayment amount.

[0033] The present invention also provides a computer program product, comprising a computer program / instruction, which, when executed by a processor, implements the steps of any of the above-mentioned repayment cancellation methods.

[0034] The present invention also provides a non-transitory computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of any of the repayment cancellation methods described above.

[0035] The repayment cancellation method provided by the present invention receives a repayment cancellation application and determines whether the repayment amount corresponding to the repayment cancellation application has been successfully recorded; in response to the repayment amount corresponding to the repayment cancellation application not being successfully recorded, the to-be-revoked expense item is rolled back according to the repayment method of the to-be-revoked expense item covered by the repayment amount. Through the repayment method of the to-be-revoked expense item, the repayment cancellation requirements of various complex recording methods are realized, thereby improving the efficiency of repayment cancellation. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] In order to more clearly illustrate the technical solutions in the present invention or the prior art, a brief introduction is given below to the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0037] Figure 1 This is one of the flow charts of the repayment cancellation method provided by the present invention;

[0038] Figure 2 This is the second flow chart of the repayment cancellation method provided by the present invention;

[0039] Figure 3 This is the third flow chart of the repayment cancellation method provided by the present invention;

[0040] Figure 4 This is the fourth flow chart of the repayment cancellation method provided by the present invention;

[0041] Figure 5 It is a structural diagram of the repayment cancellation device provided by the present invention;

[0042] Figure 6 It is a structural schematic diagram of the electronic device provided by the present invention. DETAILED DESCRIPTION

[0043] To make the objectives, technical solutions, and advantages of the present invention more clear, the technical solutions of the present invention will be clearly and completely described below in conjunction with the accompanying drawings. Obviously, the embodiments described are only some embodiments of the present invention, not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts shall fall within the scope of protection of the present invention.

[0044] The repayment cancellation method provided by the present invention is described in detail below through some embodiments and application scenarios in conjunction with the accompanying drawings.

[0045] The repayment cancellation method provided by the present invention is applicable to scenarios where repayments requiring multiple complex accounting methods are required in repayment transactions. The method comprises receiving a repayment cancellation application; determining whether the repayment amount corresponding to the repayment cancellation application has been successfully accounted for; and, in response to the repayment amount corresponding to the repayment cancellation application not being successfully accounted for, performing a rollback operation on the expense item to be canceled, based on the repayment method of the expense item to be canceled that is covered by the repayment amount. The repayment cancellation method provided by the present invention, by utilizing the repayment method of the expense item to be canceled, meets the repayment cancellation requirements for multiple complex accounting methods, thereby improving repayment cancellation efficiency.

[0046] Figure 1 This is one of the flow charts of the repayment cancellation method provided by the present invention, such as Figure 1 As shown, the method includes steps 110 to 130, wherein:

[0047] Step 110: Receive a repayment cancellation application.

[0048] It should be noted that the repayment revocation method provided by the present invention can be applied to repayment revocation scenarios involving various complex entry methods in repayment transactions. The repayment revocation method provided by the present invention can be executed by a repayment revocation device, such as an electronic device, or a control module within the repayment revocation device that is configured to execute the repayment revocation method.

[0049] Optionally, the repayment cancellation application refers to a cancellation application for the repayment amount.

[0050] It can be understood that a repayment cancellation application is an application for cancellation of a completed repayment operation. If the repayment operation has not been completed, an application for cancellation of the repayment cannot be made.

[0051] Step 120: Determine whether the repayment amount corresponding to the repayment cancellation application is successfully credited.

[0052] Step 130: In response to the repayment amount corresponding to the repayment cancellation application not being successfully credited, the expense item to be canceled is rolled back according to the repayment method of the expense item to be canceled covered by the repayment amount.

[0053] Optionally, the repayment method includes at least one of the following: real-time arrival, non-real-time arrival, presence of exemption or offset amount, and absence of exemption or offset amount; the cancellation type corresponding to the cancellation of the repayment application includes cancellation by repayment amount or cancellation by fee item.

[0054] Specifically, in response to the repayment amount corresponding to the repayment cancellation application not being successfully recorded, the expense item to be canceled is rolled back according to the repayment method of the expense item to be canceled covered by the repayment amount, that is, the expense item to be canceled includes at least one of the following situations: real-time arrival, non-real-time arrival, the presence of exemption or offset amount, and the absence of exemption or offset amount; wherein, rollback means changing the status of the expense item to be canceled covered by the repayment amount, and the rollback operation means the operation performed on the expense item to be canceled covered by the repayment amount corresponding to the repayment cancellation application, which is used to change the status of the expense item to be canceled covered by the repayment amount corresponding to the repayment cancellation application after the repayment amount corresponding to the repayment cancellation application is refunded; refund means refunding the repayment amount corresponding to the expense item to be canceled.

[0055] It should be noted that after the repayment amount is refunded, the status of the pending cancellation fee item covered by the repayment amount will also change; for example, the status of the pending cancellation fee item changes from "paid" to "not paid".

[0056] The repayment cancellation method provided by the present invention receives a repayment cancellation application, determines whether the repayment amount corresponding to the repayment cancellation application is successfully recorded, and in response to the repayment amount corresponding to the repayment cancellation application not being successfully recorded, performs a rollback operation on the to-be-revoked expense item according to the repayment method of the to-be-revoked expense item covered by the repayment amount. Through the repayment method of the to-be-revoked expense item, the repayment cancellation requirements of various complex recording methods are realized, thereby improving the efficiency of repayment cancellation.

[0057] Optionally, the cancellation type corresponding to the repayment cancellation application may include cancellation by repayment amount or cancellation by fee item.

[0058] The following describes each of the above revocation types:

[0059] 1. Cancellation based on repayment amount

[0060] In response to the cancellation type being cancellation by repayment amount, then: a rollback operation is performed on all fee items to be canceled whose repayment methods covered by the repayment amount are real-time payment; a rollback operation is performed on all fee items to be canceled whose repayment methods covered by the repayment amount are non-real-time payment and there are exemptions or offsets; a rollback operation is performed on all fee items to be canceled whose repayment methods covered by the repayment amount are non-real-time payment and there are no exemptions or offsets.

[0061] It should be noted that cancellation based on repayment amount means cancellation based on the repayment amount at the time of repayment; cancellation based on fee items means cancellation of all or part of all fee items covered by the repayment amount at the time of repayment.

[0062] 1) Roll back all pending fee items covered by the repayment amount and with real-time payment received. In other words, directly refund and roll back the pending fee items received in real-time.

[0063] For example, the repayment amount is RMB 1 million, and all fee items covered by the repayment amount include guarantee service fees, interest, and penalty interest; if all repayment methods for the guarantee service fees, interest, penalty interest and other fee items covered by the repayment amount are real-time payment, or all repayment methods for the guarantee service fees and interest and other fee items are real-time payment, while the repayment method for the penalty interest and other fee items is non-real-time payment, then the guarantee service fees and interest and other fee items that are paid in real time will be directly refunded and rolled back.

[0064] 2) Roll back all the fee items that are not received in real time and have reductions or offsets for which the repayment amount is covered by the repayment method.

[0065] Specifically, for all repayment methods covered by the repayment amount that are not real-time, and for all pending fee items with reductions or offsets, roll back the pending fee items that are first covered by the repayment amount; determine whether there are pending fee items with offsets or reductions that have not yet been rolled back; if there are pending fee items with offsets or reductions that have not yet been rolled back, roll back the pending fee items in accordance with the order of the fee items covered by the repayment amount and the account splitting relationship, based on the principle of rolling back the fee items that are covered first first, until all pending fee items with offsets or reductions are rolled back.

[0066] The split relationship represents the division of the repayment amount into multiple parts, each corresponding to an expense item, and the relationships between these parts. For example, if the repayment amount is 70 yuan, the repayment amount is split into principal, interest, and penalty interest. The principal is 40 yuan, the interest is 20 yuan, and the penalty interest is 10 yuan. The penalty interest is calculated based on the outstanding principal and interest, or based on the outstanding principal. When splitting the repayment amount, the principal is repaid first. This changes the base for calculating the penalty interest, and the penalty interest also changes accordingly. If only the interest is split when splitting the repayment amount, the penalty interest may remain unchanged. The specific situation is more complicated and needs to be set according to the system definition.

[0067] For example, the repayment amount is 1 million, and the expense items covered by the repayment amount include guarantee service fees, interest and penalty interest, and the guarantee service fees, interest and penalty interest are all not received in real time. The order of coverage of the expense items to be cancelled is guarantee service fees, interest, and penalty interest; the account splitting relationship is: interest is calculated based on the outstanding guarantee service fees and penalty interest as the base, and penalty interest is calculated based on the outstanding guarantee service fees and interest; there is a reduction or exemption amount for interest, there is an offset amount for guarantee service fees, but there is no reduction or offset amount for penalty interest.

[0068] For the guarantee service fee and interest waiting to be cancelled, the guarantee service fee will be rolled back first according to the order and account separation relationship of the guarantee service fee and interest covered by the repayment amount at the time of repayment; determine whether there are any fee items to be cancelled that have not yet been rolled back for offset or exemption. Since the guarantee service fee with offset or exemption has been rolled back at this time, there is still interest with offset or exemption that has not been rolled back, so the interest will be rolled back; determine again whether there are any fee items to be cancelled that have not yet been rolled back for offset or exemption. At this time, all fee items to be cancelled that have exemption or offset are rolled back; then, roll back the penalty interest that does not have exemption or offset, that is, change the status of the penalty interest covered by the repayment amount and refund the amount.

[0069] 3) For all the fee items covered by the repayment amount that are not received in real time and do not have any reductions, exemptions, or offsets, the fee items to be cancelled will be rolled back, i.e. the status of all the fee items covered by the repayment amount will be changed and the receivable amount will be rolled back.

[0070] 2. Cancellation by Expense Item

[0071] 1) In response to the cancellation type being cancellation by fee item, and the repayment method of the fee item to be canceled specified in the repayment cancellation application being real-time payment, rolling back the fee item to be canceled; or

[0072] 2) In response to the cancellation type being cancellation by fee item, and the repayment method of the fee item to be canceled specified in the repayment cancellation application being non-real-time payment, determining whether there is any reduction, exemption, or offset amount for the fee item to be canceled; if there is any reduction, exemption, or offset amount for the fee item to be canceled, rolling back the fee item to be canceled; if there is no reduction, exemption, or offset amount for the fee item to be canceled, rolling back the fee item to be canceled; or,

[0073] 3) In response to the cancellation type being cancellation by expense item, and the repayment method of the expense item to be canceled specified in the repayment cancellation application being non-real-time payment, if the calculation of the expense item to be canceled does not depend on the expense item, the expense item to be canceled is rolled back; or, if the calculation of the expense item to be canceled depends on the target expense item, the amount to be refunded of the expense item to be canceled is determined based on the expense item calculation method of the expense item to be canceled and the target expense item, and the amount to be refunded of the expense item to be canceled is refunded.

[0074] Specifically, in response to the revocation type corresponding to the repayment revocation application being revocation by fee item, and the repayment method of the fee item to be revoked specified in the repayment revocation application being real-time payment, the fee item to be revoked is directly rolled back; for example, the fee item to be revoked specified in the repayment revocation application is the guarantee service fee and interest, if any of the fee items to be revoked, including the guarantee service fee and interest, is received in real time, or both are received in real time, the fee item to be revoked that is received in real time is directly refunded and the status of the fee item to be revoked is changed.

[0075] In response to the repayment cancellation application specifying that the repayment method for the expense item to be canceled is non-real-time arrival, determine whether there is a reduction, exemption, or offset amount for the expense item to be canceled; if there is a reduction, exemption, or offset amount for the expense item to be canceled, calculate the amount to be refunded for the expense item to be canceled according to the offset or exemption rules for the expense item to be canceled, and refund the offset or exemption amount in the expense item to be canceled, and then continue to determine whether there is a reduction, exemption, or offset amount for the next expense item to be canceled; if there is a reduction, exemption, or offset amount, continue to calculate the amount to be refunded for the expense item to be canceled according to the offset or exemption rules for the expense item to be canceled, and refund the offset or exemption amount in the expense item to be canceled, until there is no offset or exemption amount in the expense item to be canceled, and change the status of the expense item to be canceled; if there is no offset or exemption amount in the expense item to be canceled, roll back the expense item to be canceled according to the expense item, that is, change the status of the expense item to be canceled and refund the receivable amount.

[0076] For example, the expense items to be canceled specified in the repayment cancellation application are guarantee service fees and interest. If there is an offset amount for the guarantee service fee and an exemption amount for the interest, the refundable amounts of the guarantee service fee and interest shall be calculated respectively in accordance with the offset rules for the guarantee service fee and the exemption rules for the interest, and the offset amount of the guarantee service fee and the exemption amount of the interest shall be refunded until there is no offset or exemption amount in the expense item to be canceled, and the status of the expense item to be canceled shall be changed; when there is no offset or exemption amount for the guarantee service fee and interest, the guarantee service fee and interest shall be rolled back as expense items, that is, the status of the guarantee service fee and interest shall be changed and the receivable amount shall be refunded.

[0077] Optionally, the target expense item indicates that the expense item to be canceled depends on other expense items to be canceled except the expense item to be canceled.

[0078] Specifically, in response to the cancellation type being cancellation by expense item, and the repayment method of the expense item to be canceled specified in the repayment cancellation application being non-real-time arrival, if the calculation of the expense item to be canceled does not depend on the expense item, that is, the processing logic of the expense item to be canceled is independent, and there is no dependency between the expense items to be canceled, then the expense items to be canceled are directly rolled back separately; if the calculation of the expense item to be canceled depends on the target expense item, that is, the processing logic of the expense item to be canceled is not independent, then the amount to be refunded of the expense item to be canceled is calculated based on the expense item calculation method and the target expense item of the expense item to be canceled, and the amount to be refunded of the expense item to be canceled is refunded.

[0079] The following example illustrates the rollback operation of the expense item to be canceled in response to a repayment cancellation application in which the cancellation type corresponding to the repayment cancellation application is cancellation by expense item, the repayment method of the expense item to be canceled specified in the repayment cancellation application is non-real-time payment, there is a reduction or offset amount for the expense item to be canceled, the calculation of the expense item to be canceled does not depend on the expense item, and the calculation of the expense item to be canceled depends on the target expense item.

[0080] For example, the time before the repayment operation is T1, the time after the repayment operation is T2, and the repayment amount is M; the cost items covered by the repayment amount are<Fi、Fj、Fk、Fm、Fn、Fx、Fy、Fz> , the corresponding repayment amount before the repayment operation is T1 is {T1,<yhFi、yhFj、yhFk、yhFm、yhFn、yhFx、yhFy、yhFz>}, the corresponding repayment amount at time T2 after the repayment operation is {T2,<whFi、whFj、whFk、whFm、whFn、whFx、whFy、whFz>}; The amount calculation of whFx depends on {T1, <yhfi>}; The calculation of the amount of whFy depends on {T1, <yhFj, yhFk>}; There is an amount reduction or offset Mjc in the calculation of the amount of whFz; The repayment amount M covers all the amounts due for the expense items <Fi, Fj, Fk, Fm, Fn>, and covers part of the amounts due for the expense items <Fx, Fy, Fz>, that is, M + Mjc = yhFi + yhFj + yhFk + yhFm + yhFn + (yhFx - whFx) + (yhFx - whFy) + (yhFx - whFz).

[0081] If the calculation of the expense items <Fi, Fj, Fk, Fm, Fn> to be revoked specified in the repayment revocation application does not depend on expense items, that is, the processing logics between the expense items <Fi, Fj, Fk, Fm, Fn> to be revoked are independent, then rollback operations are directly performed on the expense items to be revoked respectively, that is, the amounts due for the expense items <Fi, Fj, Fk, Fm, Fn> to be revoked are rolled back from {T2, <whFi, whFj, whFk, whFm, whFn>} to {T1, <yhFi, yhFj, yhFk, yhFm, yhFn>}.

[0082] If the calculation of the expense items Fx and Fy to be revoked specified in the repayment revocation application depends on target expense items, that is, the processing logics of the expense items Fx and Fy to be revoked are not independent, the calculation of the amount of whFx depends on {T1, <yhfi>}; The amount calculation of whFy depends on {T1,<yhFj、yhFk>}; then based on the time point T1, amount {T1, <yhfi>}、Calculation method of expense item Fx, calculate the refund amount of expense item Fx to be cancelled {T1, <yhfx>}, and refund the refundable amount of the expense item Fx to be canceled; based on the time point T1, amount {T1,<yhFj、yhFk>}、Calculate the refund amount of the expense item Fy to be cancelled {T1, <yhfy>, and refund the refundable amount of the fee item Fy to be canceled.

[0083] If the fee item Fz specified in the repayment cancellation application has a reduction or offset amount, then the refund amount of the fee item Fz is calculated based on the time point T1, the reduction or offset amount Mjc, and the fee item reduction or offset rules of Fz {T1, <yhfz>}, and refund the refund amount of the fee item Fz to be canceled {T1, <yhfz>}, roll back the expense item Fz to be canceled, change the status of the expense item to be canceled and return the receivable amount.

[0084] Figure 2 This is the second flow chart of the repayment cancellation method provided by the present invention, such as Figure 2 As shown, the method includes steps 210 to 240, wherein:

[0085] Step 210: Receive a repayment cancellation application.

[0086] Step 220: Determine whether the repayment amount corresponding to the repayment cancellation application is successfully credited.

[0087] Step 230: In response to the repayment amount corresponding to the repayment cancellation application not being successfully credited, the expense item to be canceled is rolled back according to the repayment method of the expense item to be canceled covered by the repayment amount.

[0088] Optionally, the description and explanation of steps 210-230 may refer to the above description and explanation of steps 110-130, and the same technical effects can be achieved. To avoid repetition, they will not be repeated here.

[0089] Step 240: In response to the repayment amount corresponding to the repayment cancellation application being successfully credited, a rollback operation is performed on the repayment amount.

[0090] Specifically, in response to the repayment amount corresponding to the repayment cancellation application being successfully credited, the repayment amount corresponding to the repayment cancellation application is directly refunded and rolled back to complete the repayment cancellation application.

[0091] The repayment cancellation method provided by the present invention realizes the repayment cancellation application by successfully recording the repayment amount corresponding to the repayment cancellation application, and performs refund and rollback operations based on the repayment amount corresponding to the repayment cancellation application, thereby improving the repayment cancellation efficiency.

[0092] Figure 3 This is the third flow chart of the repayment cancellation method provided by the present invention, such as Figure 3 As shown, the method includes steps 310 to 309, wherein:

[0093] Step 301: Receive a repayment cancellation application.

[0094] Step 302: Determine whether the repayment amount corresponding to the repayment cancellation application has been successfully credited. If the repayment amount corresponding to the repayment cancellation application has been successfully credited, proceed to step 303; otherwise, proceed to step 304.

[0095] Step 303: directly refund and roll back the repayment amount corresponding to the repayment cancellation application.

[0096] Step 304: Determine the cancellation type corresponding to the repayment cancellation application. If the cancellation type corresponding to the repayment cancellation application is cancellation based on the repayment amount, proceed to step 305; if the cancellation type corresponding to the repayment cancellation application is cancellation based on the repayment fee item, proceed to step 309.

[0097] Step 305: Determine whether all expense items covered by the repayment amount have been received in real time. If any of the expense items covered by the repayment amount are pending cancellation and have been received in real time, proceed to step 303. If any of the expense items covered by the repayment amount are pending cancellation and have not been received in real time, proceed to step 306.

[0098] Step 306: Determine whether there is any offset or reduction amount for the expense item to be cancelled. If there is any offset or reduction amount for the expense item to be cancelled, go to step 307; otherwise, go to step 308.

[0099] Step 307 , according to the order and account splitting relationship of all expense items to be canceled covered by the repayment amount, roll back all expense items to be canceled in sequence until all expense items to be canceled with offset or exemption amounts are rolled back, and then go to step 308 .

[0100] Step 308: For the expense items to be cancelled that do not have any reduction or offset amount, a rollback operation is performed on the expense items to be cancelled.

[0101] Step 309: Determine whether the expense item specified in the repayment cancellation application is received in real time. If it is received in real time, proceed to step 303; if it is not received in real time, proceed to step 306.

[0102] The repayment cancellation method provided by the present invention is further described below in combination with the financial operating system, the financial accounting system, the external association system and the funding system.

[0103] Figure 4 This is the fourth flow chart of the repayment cancellation method provided by the present invention, such as Figure 4 As shown, the method includes steps 401 to 421, wherein:

[0104] Step 401: The repayment operation of the financial operating system is completed, and the expense item data related to the repayment amount is updated in real time.

[0105] In step 402, the financial operating system synchronizes the repayment amount and the expense item data related to the repayment to the external related system in real time to ensure data consistency between the financial operating system and the external related system.

[0106] In step 403, the financial operating system notifies the account entry system of the payment amounts corresponding to the real-time and non-real-time expense items.

[0107] In step 404, the financial accounting system updates the financial accounting data such as the repayment amount corresponding to the real-time and non-real-time expense items.

[0108] Step 405: The financial accounting system synchronizes the financial accounting data to the funding system.

[0109] In step 406, the funding system sends a receipt indicating whether the synchronization is successful or unsuccessful to the financial accounting system.

[0110] Step 407: The business operator applies for repayment cancellation in the financial operating system.

[0111] In step 408, the financial operating system determines whether the repayment amount corresponding to the application for repayment cancellation has been successfully credited based on the repayment method and other information. If the repayment amount corresponding to the application for repayment cancellation has been successfully credited, the process proceeds to step 409; otherwise, the process proceeds to step 414.

[0112] In step 409, the financial operating system performs a refund and rollback operation directly on the repayment amount, completes the repayment cancellation, and changes the refund data.

[0113] In step 410, the financial operating system synchronizes the refund information to the external related system and synchronizes the refund data to the accounting system.

[0114] Step 411: The financial accounting system receives the refund data synchronized by the financial operating system and updates the refund data.

[0115] In step 412, the financial accounting system synchronizes the refund data to the funding system.

[0116] In step 413, the funding system sends a receipt indicating whether the synchronization is successful or unsuccessful to the financial accounting system.

[0117] In step 414, the financial operating system determines the type of the repayment cancellation application. If the repayment cancellation application is based on the repayment amount, the process proceeds to step 415; if the repayment cancellation application is based on the repayment fee item, the process proceeds to step 414.

[0118] In step 415, the financial operating system sends the cancellation application based on the repayment amount to the financial accounting system.

[0119] In step 416, the financial accounting system receives the cancellation application based on the repayment amount sent by the financial operating system, and performs a rollback operation on the expense items to be canceled that are covered by the repayment amount at the time of repayment. Specifically, it is determined whether the repayment method of the expense items to be canceled that are covered by the repayment amount is real-time payment; if the repayment method of the expense items to be canceled is real-time payment, a refund and rollback operation is performed directly based on the repayment amount; if the repayment method of the expense items to be canceled is non-real-time payment, it is determined whether there is a reduction or offset amount for the expense items to be canceled; if there is a reduction or offset amount for the expense items to be canceled, the expense items to be canceled are rolled back according to the order of the expense items covered by the repayment amount and the account split relationship, based on the principle of rolling back the expense items that were covered first, until all expense items to be canceled that have offset or reduction amounts are rolled back; if there is no reduction or offset amount for the expense items to be canceled, a rollback operation is performed on the expense items to be canceled, that is, the status of the expense items to be canceled is changed and the receivable amount is rolled back.

[0120] In step 417, the financial operating system sends the application cancellation for the repayment fee item to the financial accounting system.

[0121] In step 418, the financial accounting system receives the application for cancellation of the repayment expense item sent by the financial operating system, and rolls back the expense item to be canceled according to the repayment method of the repayment expense item.

[0122] Step 418-1: If the repayment item is a real-time payment method, the refund and rollback operation is directly performed according to the expense item to be canceled, and the refund data is changed.

[0123] In step 418-2, if the repayment method of the expense item to be repaid is non-real-time payment, and the calculation of the expense item to be repaid does not depend on the expense item, the financial accounting system directly rolls back the expense item to be revoked.

[0124] In step 418-3, if the repayment method of the expense item to be repaid is non-real-time payment, and the calculation of the expense item to be repaid depends on the target expense item, then the refund amount of the expense item and the refund amount of the refunded expense item are determined based on the expense item calculation method and the target expense item.

[0125] In step 418-4, if the repayment method of the expense item to be repaid is non-real-time payment, and there is a reduction or offset amount for the expense item to be repaid, a rollback operation is performed on the expense item to be revoked.

[0126] In step 418-5, if the repayment method of the expense item to be repaid is non-real-time payment, and there is no reduction or offset amount for the expense item to be repaid, a rollback operation is performed on the expense item to be revoked.

[0127] Step 419: The financial accounting system updates the rolled-back data information.

[0128] In step 420, the financial accounting system synchronizes the returned data information to the funding system.

[0129] In step 421, the funding system sends a receipt indicating whether the synchronization is successful or unsuccessful to the financial accounting system.

[0130] The repayment cancellation device provided by the present invention is described below. The repayment cancellation device described below and the repayment cancellation method described above can be referenced to each other.

[0131] The present invention provides a repayment cancellation device. Figure 5 A schematic diagram of the structure of the repayment cancellation device provided by the present invention, as shown in FIG. Figure 5 As shown, the repayment cancellation device 500 includes: a receiving module 501, a first judgment module 502 and a first rollback module 503; wherein,

[0132] Receiving module 501, for receiving a repayment cancellation application;

[0133] The first judgment module 502 is used to judge whether the repayment amount corresponding to the repayment cancellation application is successfully credited;

[0134] The first rollback module 503 is configured to, in response to the repayment amount corresponding to the repayment cancellation application not being successfully credited, roll back the expense item to be canceled according to the repayment method of the expense item to be canceled covered by the repayment amount.

[0135] The repayment cancellation device provided by the present invention receives a repayment cancellation application and determines whether the repayment amount corresponding to the repayment cancellation application has been successfully recorded; in response to the repayment amount corresponding to the repayment cancellation application not being successfully recorded, the to-be-revoked expense item is rolled back according to the repayment method of the to-be-revoked expense item covered by the repayment amount. Through the repayment method of the to-be-revoked expense item, the repayment cancellation requirements of various complex recording methods are realized, thereby improving the efficiency of repayment cancellation.

[0136] Optionally, the repayment method includes at least one of the following: real-time payment, non-real-time payment, a reduction or offset amount, and no reduction or offset amount.

[0137] Optionally, the first rollback module 503 is specifically configured to:

[0138] In response to the cancellation type being cancellation based on the repayment amount:

[0139] Roll back all pending fee items covered by the repayment amount and with a repayment method of real-time payment;

[0140] Roll back all the fee items covered by the repayment amount that are not received in real time and have reductions or offsets pending cancellation.

[0141] For all repayment items covered by the repayment amount, which are non-real-time payment methods and have no exemptions or offsets, a rollback operation will be performed.

[0142] Optionally, the first rollback module 503 is specifically configured to:

[0143] In response to the cancellation type being cancellation by fee item, and the repayment method of the fee item to be canceled specified in the repayment cancellation application being real-time payment, rolling back the fee item to be canceled; or

[0144] In response to the fact that the cancellation type is cancellation by fee item, and the repayment method of the fee item to be canceled specified in the repayment cancellation application is non-real-time payment, determine whether there is any exemption or offset amount for the fee item to be canceled; if so, perform a rollback operation on the fee item to be canceled; if there is no exemption or offset amount for the fee item to be canceled, perform a rollback operation on the fee item to be canceled.

[0145] Optionally, the repayment cancellation device 500 further includes:

[0146] A second rollback module is configured to, in response to the cancellation type corresponding to the repayment cancellation application being cancellation by fee item, and the repayment method of the fee item to be canceled specified in the repayment cancellation application being non-real-time payment, roll back the fee item to be canceled if the calculation of the fee item to be canceled does not depend on the fee item; or

[0147] If the calculation of the expense item to be canceled depends on the target expense item, the refund amount of the expense item to be canceled and the refund amount of the expense item to be canceled are determined based on the expense item calculation method of the expense item to be canceled and the target expense item.

[0148] Optionally, the repayment cancellation device 500 further includes:

[0149] The third rollback module is used to roll back the repayment amount in response to the repayment amount corresponding to the repayment cancellation application being successfully recorded.

[0150] Optionally, the first rollback module 503 is specifically configured to:

[0151] For all repayment methods covered by the repayment amount that are not real-time and have all pending fee items with reductions or offsets, roll back the pending fee item that was first covered by the repayment amount;

[0152] Determine whether there are any pending expense items that have not yet been rolled back for offset or reduction;

[0153] If there are any expense items to be canceled that have not yet been rolled back for offset or exemption, the expense items to be canceled will be rolled back in the order of the expense items covered by the repayment amount and the account splitting relationship, based on the principle of rolling back the expense items that were covered first, until all expense items to be canceled that have offset or exemption amounts are rolled back.

[0154] Figure 6 This is a schematic diagram of the physical structure of the electronic device provided by the present invention, such as Figure 6 As shown, the electronic device 600 may include: a processor 610, a communications interface 620, a memory 630, and a communications bus 640, wherein the processor 610, the communications interface 620, and the memory 630 communicate with each other via the communications bus 640. The processor 610 may invoke logic instructions in the memory 630 to execute a repayment cancellation method, which includes: receiving a repayment cancellation application; determining whether the repayment amount corresponding to the repayment cancellation application is successfully credited; and in response to the repayment amount corresponding to the repayment cancellation application not being successfully credited, rolling back the expense item to be canceled according to the repayment method of the expense item to be canceled covered by the repayment amount.

[0155] In addition, the logic instructions in the above-mentioned memory 630 can be implemented in the form of a software functional unit and can be stored in a computer-readable storage medium when sold or used as an independent product. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes several instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: various media that can store program codes, such as a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk.

[0156] On the other hand, the present invention also provides a computer program product, which includes a computer program / instructions, which can be stored on a non-transitory computer-readable storage medium. When the computer program / instructions are executed by a processor, the computer can execute the repayment cancellation method provided by the above-mentioned methods, which includes: receiving a repayment cancellation application; determining whether the repayment amount corresponding to the repayment cancellation application is successfully recorded; in response to the repayment amount corresponding to the repayment cancellation application not being successfully recorded, rolling back the to-be-cancelled expense item according to the repayment method of the to-be-cancelled expense item covered by the repayment amount.

[0157] On the other hand, the present invention also provides a non-transitory computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, is implemented to execute the repayment cancellation method provided by the above-mentioned methods, the method comprising: receiving a repayment cancellation application; determining whether the repayment amount corresponding to the repayment cancellation application is successfully recorded; in response to the repayment amount corresponding to the repayment cancellation application not being successfully recorded, rolling back the expense item to be canceled according to the repayment method of the expense item to be canceled covered by the repayment amount.

[0158] The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, i.e., they may be located in one location or distributed across multiple network units. Some or all of the modules may be selected based on actual needs to achieve the objectives of the present embodiment. Persons of ordinary skill in the art will be able to understand and implement the present invention without inventive effort.

[0159] Through the description of the above embodiments, those skilled in the art can clearly understand that each embodiment can be implemented by means of software plus a necessary general hardware platform, or of course, by hardware. Based on this understanding, the essence of the above technical solution or the part that contributes to the existing technology can be embodied in the form of a software product. The computer software product can be stored in a computer-readable storage medium, such as ROM / RAM, a magnetic disk, an optical disk, etc., and includes a number of instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods described in each embodiment or certain parts of the embodiments.

[0160] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit it. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or make equivalent replacements for some of the technical features therein. However, these modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the various embodiments of the present invention.< / yhfz> < / yhfz> < / yhfy> < / yhfx> < / yhfi> < / yhfi> < / yhfi>

Claims

1. A repayment cancellation method, characterized in that: The method comprises: Receive repayment cancellation applications; Determining whether the repayment amount corresponding to the repayment cancellation application is successfully credited; In response to the repayment amount corresponding to the repayment cancellation application not being successfully credited, rolling back the expense item to be canceled according to the repayment method of the expense item to be canceled covered by the repayment amount; the repayment method includes at least one of the following: real-time payment, non-real-time payment, with or without a reduction or offset; and the cancellation type corresponding to the repayment cancellation application includes cancellation by repayment amount or cancellation by expense item; Among them, according to the repayment method of the fee item to be canceled covered by the repayment amount, the fee item to be canceled is rolled back, including: In response to the cancellation type being cancellation by fee item, and the repayment method of the fee item to be canceled specified in the repayment cancellation application being non-real-time payment, if the calculation of the fee item to be canceled does not depend on the fee item, rolling back the fee item to be canceled; or If the calculation of the expense item to be canceled depends on the target expense item, the refund amount of the expense item to be canceled and the refund amount of the expense item to be canceled are determined based on the expense item calculation method of the expense item to be canceled and the target expense item.

2. The repayment cancellation method according to claim 1, characterized in that: The rolling back operation of the fee item to be canceled according to the repayment method of the fee item to be canceled covered by the repayment amount corresponding to the repayment cancellation application includes: In response to the cancellation type being cancellation based on the repayment amount: Roll back all pending fee items covered by the repayment amount and with a repayment method of real-time payment; Roll back all the fee items covered by the repayment amount that are not received in real time and have reductions or offsets pending cancellation. For all repayment items covered by the repayment amount, which are non-real-time payment methods and have no exemptions or offsets, a rollback operation will be performed.

3. The repayment cancellation method according to claim 1, characterized in that: The rolling back operation of the fee item to be canceled according to the repayment method of the fee item to be canceled covered by the repayment amount corresponding to the repayment cancellation application includes: In response to the cancellation type being cancellation by fee item, and the repayment method of the fee item to be canceled specified in the repayment cancellation application being real-time payment, rolling back the fee item to be canceled; or In response to the fact that the cancellation type corresponding to the repayment cancellation application is cancellation by fee item, and the repayment method of the fee item to be canceled specified in the repayment cancellation application is non-real-time payment, determine whether there is any reduction or offset amount for the fee item to be canceled; if there is any reduction or offset amount for the fee item to be canceled, roll back the fee item to be canceled; if there is no reduction or offset amount for the fee item to be canceled, roll back the fee item to be canceled.

4. The repayment cancellation method according to claim 1, characterized in that: The method further comprises: In response to the repayment amount corresponding to the repayment cancellation application being successfully credited, a rollback operation is performed on the repayment amount.

5. The repayment cancellation method according to claim 2, characterized in that: The rollback operation for all repayment methods covered by the repayment amount is non-real-time payment, and there are pending cancellation fee items with reductions or offsets, including: For all repayment methods covered by the repayment amount that are not real-time and have all pending fee items with reductions or offsets, roll back the pending fee item that was first covered by the repayment amount; Determine whether there are any pending expense items that have not yet been rolled back for offset or reduction; If there are any expense items to be canceled that have not yet been rolled back for offset or exemption, the expense items to be canceled will be rolled back in the order of the expense items covered by the repayment amount and the account splitting relationship, based on the principle of rolling back the expense items that were covered first, until all expense items to be canceled that have offset or exemption amounts are rolled back.

6. A repayment cancellation device, characterized in that: The device comprises: A receiving module, used for receiving a repayment cancellation application; The first judgment module is used to judge whether the repayment amount corresponding to the repayment cancellation application is successfully recorded; a first rollback module configured to, in response to failure to successfully credit the repayment amount corresponding to the repayment cancellation application, roll back the expense item to be canceled according to a repayment method of the expense item to be canceled covered by the repayment amount; the repayment method including at least one of the following: real-time payment, non-real-time payment, with or without a reduction or offset; and the cancellation type corresponding to the repayment cancellation application including cancellation by repayment amount or cancellation by expense item; Among them, according to the repayment method of the fee item to be canceled covered by the repayment amount, the fee item to be canceled is rolled back, including: In response to the cancellation type being cancellation by fee item, and the repayment method of the fee item to be canceled specified in the repayment cancellation application being non-real-time payment, if the calculation of the fee item to be canceled does not depend on the fee item, rolling back the fee item to be canceled; or If the calculation of the expense item to be canceled depends on the target expense item, the refund amount of the expense item to be canceled and the refund amount of the expense item to be canceled are determined based on the expense item calculation method of the expense item to be canceled and the target expense item.

7. A computer program product comprising a computer program / instructions, characterized in that When the computer program / instructions are executed by a processor, the steps of the repayment cancellation method as claimed in any one of claims 1 to 6 are implemented.

8. A non-transitory computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the repayment cancellation method according to any one of claims 1 to 6 are implemented.

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