Account settlement method, device, electronic device and storage medium

Abstract

The present application discloses an account settlement method, device, electronic device and storage medium, which belongs to the field of data analysis technology. The method includes: monitoring the business operations of each sub-account, where the sub-account is an account opened by the agent for managing accounts, responding to the business operations, and based on the business operations, generating the accounting entries of the agent corresponding to the sub-account, and generating the accounting entries of the principal corresponding to the sub-account. Subsequently, when the settlement cycle is reached, based on the accounting entries of the agent and the accounting entries of each principal, the account data between the agent and each principal are settled. In this way, when a business operation occurs in the sub-account of the agent, the accounting entries of the agent and the accounting entries of the principal corresponding to the sub-account are generated respectively. When the settlement cycle is reached, based on these two types of accounting entries, the account data of the agency business between the agent and each principal is automatically settled, and there is no need for manual settlement. The settlement efficiency and accuracy of the agency business are both high.

Description

Technical Field

[0001] The present application relates to the field of data analysis technology, and in particular to an account settlement method, device, electronic device and storage medium. Background Art

[0002] With the rapid development of the financial industry, the cooperation between financial institutions such as banks has become increasingly close, and agency business has become a common business among financial institutions.

[0003] Taking interbank deposits as an example, in related technologies, the entrusting party establishes an entrusted loan account in the agent's core system and a custody account in its own accounting system. During the day, accounting entries are generated immediately for business operations in the entrusted loan account and notified to the entrusting party's accounting system. At the end of the day, the entrusting party's accounting system generates accounting entries for the custody account through account mapping. Manual settlement is performed based on the agent's accounting entries and the accounting entries generated by the accounting system. Due to the frequent business transactions between banks and the complex relationships between accounting entries, manual verification is inefficient and prone to errors. Summary of the Invention

[0004] The embodiments of the present application provide an account settlement method, device, electronic device, and storage medium to solve the problems of low settlement efficiency and low accuracy in the settlement method of agency business in related technologies.

[0005] In a first aspect, an embodiment of the present application provides an account settlement method, comprising:

[0006] Monitor the business operations of each sub-account, which is an account opened by the agent for accounting management;

[0007] responding to the business operation;

[0008] Based on the business operation, generate accounting entries for the agent corresponding to the sub-account and generate accounting entries for the client corresponding to the sub-account;

[0009] When a settlement period is reached, the account data between the agent and each entrusting party is settled based on the accounting entries of the agent and the accounting entries of each entrusting party.

[0010] In some embodiments, based on the accounting entries of the agent and the accounting entries of the entrusting parties, clearing the account data between the agent and the entrusting parties includes:

[0011] For a group of accounts belonging to the same client and the same agency product, determining the first accounting data of the agency for the agency product based on the first liquidation accounting entry belonging to the group of accounts in the accounting entries of the agency;

[0012] determining, based on the second liquidation accounting entry corresponding to the entrusted product in the entrusting party's accounting entry, the second accounting data of the entrusting party for the entrusted product;

[0013] Determine whether the first accounting data and the second accounting data meet accounting consistency requirements.

[0014] In some embodiments, before determining that the first accounting data and the second accounting data meet the accounting consistency requirement, the method further includes:

[0015] Summarize the account data of the households in this group;

[0016] Determine whether the summary result and the first accounting data meet the accounting consistency requirements.

[0017] In some embodiments, before generating the accounting entries of the client corresponding to the sub-account, the method further includes:

[0018] Determining that responding to the business operation will change the quantity of electronic resources in the sub-account.

[0019] In some embodiments, after determining that the first accounting data and the second accounting data meet the accounting consistency requirement, the method further includes:

[0020] Responding to a request by the entrusting party to view liquidation data of the entrusted product;

[0021] Liquidation data is displayed, where the liquidation data includes any combination of the first liquidation accounting entry, the second liquidation accounting entry, the first account data, and the second account data.

[0022] In a second aspect, an embodiment of the present application provides an account settlement device, comprising:

[0023] A monitoring module for monitoring the business operations of each sub-account, wherein the sub-account is an account opened by the agent for managing accounts;

[0024] A business module, configured to respond to the business operation;

[0025] A generating module, configured to generate, based on the business operation, accounting entries for the agent corresponding to the sub-account and accounting entries for the principal corresponding to the sub-account;

[0026] The clearing module is used to clear the account data between the agent and each entrusting party based on the accounting entries of the agent and the accounting entries of each entrusting party when a clearing cycle is reached.

[0027] In some embodiments, the clearing module is specifically configured to:

[0028] For a group of accounts belonging to the same client and the same agency product, determining the first accounting data of the agency for the agency product based on the first liquidation accounting entry belonging to the group of accounts in the accounting entries of the agency;

[0029] determining, based on the second liquidation accounting entry corresponding to the entrusted product in the entrusting party's accounting entry, the second accounting data of the entrusting party for the entrusted product;

[0030] Determine whether the first accounting data and the second accounting data meet accounting consistency requirements.

[0031] In some embodiments, the clearing module is further configured to:

[0032] Before determining whether the first account data and the second account data meet the account consistency requirement, aggregating the account data in the group of accounts;

[0033] Determine whether the summary result and the first accounting data meet the accounting consistency requirements.

[0034] In some embodiments, the generating module is further configured to:

[0035] Before generating the accounting entry of the client corresponding to the sub-account, it is determined that responding to the business operation will change the quantity of electronic resources in the sub-account.

[0036] In some embodiments, a display module is further included for:

[0037] After determining that the first accounting data and the second accounting data meet the accounting consistency requirement, responding to the client's request for viewing the liquidation data of the client product;

[0038] Liquidation data is displayed, where the liquidation data includes any combination of the first liquidation accounting entry, the second liquidation accounting entry, the first account data, and the second account data.

[0039] In a third aspect, an embodiment of the present application provides an electronic device, comprising: at least one processor, and a memory communicatively connected to the at least one processor, wherein:

[0040] The memory stores instructions that can be executed by at least one processor. The instructions are executed by the at least one processor to enable the at least one processor to execute the above-mentioned account settlement method.

[0041] In a fourth aspect, an embodiment of the present application provides a storage medium. When instructions in the storage medium are executed by a processor of an electronic device, the electronic device can execute the above-mentioned account settlement method.

[0042] In a fifth aspect, an embodiment of the present application provides a computer program product, which, when called and executed by an electronic device, enables the electronic device to execute the above-mentioned account settlement method.

[0043] In the embodiment of the present application, the business operations of each sub-account are monitored. The sub-account is an account opened by the agent for managing accounts. In response to the business operations, based on the business operations, the accounting entries of the agent corresponding to the sub-account are generated, and the accounting entries of the principal corresponding to the sub-account are generated. Subsequently, when the settlement period is reached, the accounting data between the agent and each principal are settled based on the accounting entries of the agent and each principal. In this way, when a business operation occurs in the sub-account of the agent, the accounting entries of the agent and the accounting entries of the principal corresponding to the sub-account are generated respectively. When the settlement period is reached, based on these two types of accounting entries, the accounting data of the agency business between the agent and each principal is automatically settled, and there is no need for manual settlement. The settlement efficiency and accuracy of the agency business are both high. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0045] Figure 1 A possible scenario diagram provided for an embodiment of the present application;

[0046] Figure 2 A flowchart of an account settlement method provided in an embodiment of the present application;

[0047] Figure 3 A flowchart of clearing account data between an agent and each entrusting party provided in an embodiment of the present application;

[0048] Figure 4 A flowchart of another account settlement method provided in an embodiment of the present application;

[0049] Figure 5 A schematic diagram of a loan processing process provided in an embodiment of the present application;

[0050] Figure 6 A schematic diagram of the structure of an account settlement device provided in an embodiment of the present application;

[0051] Figure 7 A schematic diagram of the hardware structure of an electronic device for implementing an account settlement method provided in an embodiment of the present application. DETAILED DESCRIPTION

[0052] In order to solve the problems of low settlement efficiency and low accuracy in the settlement method of agency business in the related art, the embodiments of the present application provide an account settlement method, device, electronic device and storage medium.

[0053] The following describes the preferred embodiments of the present application in conjunction with the accompanying drawings. It should be understood that the preferred embodiments described herein are intended only to illustrate and explain the present application and are not intended to limit the present application. The embodiments and features of the embodiments in the present application may be combined with each other unless there is a conflict. Furthermore, in the embodiments of the present application, the acquisition, storage, use, and processing of data are in compliance with relevant national laws and regulations.

[0054] To facilitate understanding of this application, the technical terms involved in this application are:

[0055] A sub-account is an account opened by an agent for accounting management, also known as an account management account. A sub-account corresponds to one agent and one principal, and to one agent product of the agent and one principal product of the principal. Generally, sub-accounts are established on a project basis, with one sub-account set up for each project. Since the principals of different projects may be the same or different, different sub-accounts may correspond to the same or different principals.

[0056] Electronic resources refer to electronic currency, such as the principal and interest in an account.

[0057] Accounting entries, also known as bookkeeping formulas, are records that list the corresponding accounts of both parties and their amounts for each economic transaction based on the requirements of the double-entry bookkeeping principle.

[0058] Figure 1 A possible scenario diagram is provided for an embodiment of the present application, in which the principal entrusts the agent to handle agency business, such as interbank payments. The agent's clearing equipment, such as a server, desktop computer, notebook, mobile phone or other electronic device, is the executor of the embodiment of the present application. When handling agency business, only a sub-account is set up on the agent. When a business operation occurs in the sub-account, the clearing equipment generates the agent's accounting entries and the principal's accounting entries corresponding to the sub-account respectively. When the settlement cycle is reached, based on these two types of accounting entries, the account data of the agency business between the agent and each principal is automatically settled, and there is no need for manual settlement. The settlement efficiency and accuracy of the agency business are relatively high.

[0059] In addition, it should be noted that in the embodiment of the present application, clearing is performed in the clearing equipment of the agent, so the agent corresponding to each sub-account is the same, and clearing is to clear the account data between the agent and each entrusting party.

[0060] The account settlement method proposed in this application is described below with reference to specific embodiments. Figure 2 This is a flowchart of an account settlement method provided in an embodiment of the present application, which can be applied to Figure 1 In the clearing device, the method includes the following steps.

[0061] In step S21, the business operation of each sub-account is monitored. The sub-account is an account opened by the agent for managing accounts.

[0062] Among them, business operations include loan operations, repayment operations, and operations to change repayment methods.

[0063] In step S22, respond to the business operation.

[0064] In actual applications, if the business operation is a loan operation, then responding to the business operation is to execute the loan process; if the business operation is a repayment operation, then responding to the business operation is to execute the repayment process; if the business operation is an operation to change the repayment method, then responding to the business operation is to execute the process to change the repayment method.

[0065] In step S23, based on the business operations, the accounting entries of the agent corresponding to the sub-account are generated, and the accounting entries of the principal corresponding to the sub-account are generated.

[0066] Generally speaking, accounting entries will vary depending on the business operation, and for the same business operation, the accounting entries of the agent and the principal will also be different.

[0067] In step S24, when the settlement period is reached, the account data between the agent and each entrusting party is settled based on the agent's accounting entries and the entrusting party's accounting entries.

[0068] Figure 3 A flowchart for clearing account data between an agent and each entrusting party is provided in an embodiment of the present application, including the following steps.

[0069] In step 241, for a group of accounts belonging to the same client and the same agency product, the account data in the group of accounts are summarized to obtain a summary result.

[0070] Among these, agency products include loans and wealth management products. Each agency product can have multiple types, such as long-term, medium-term, and short-term loans, and low-risk, medium-risk, and high-risk wealth management products. Furthermore, each type of agency product can have multiple sub-accounts. This means that the same entrusted product from the same client may be associated with multiple sub-accounts within the agency.

[0071] To facilitate settlements between agents and principals, the account data for a group of accounts belonging to the same principal and the same agency product can be aggregated to produce a summary result. Assuming that all accounts in this group belong to loan products, the account data aggregation can be used to calculate the total principal and interest for this group of accounts.

[0072] In step 242, based on the first liquidation accounting entry belonging to the group of accounts in the agent's accounting entries, the agent's first account data for the agent product is determined.

[0073] Still taking the example that all households in the group belong to loan products, determining the first account data may refer to calculating the total loan amount and total interest amount of the agent for the agent product based on the first liquidation accounting entry.

[0074] In step 243 , it is determined whether the summary result and the first account data meet the account consistency requirement.

[0075] Among them, the accounting consistency requirement is that the books are balanced in the popular sense. For example, the sum of the total principal in the summary results and the total loan amount in the accounting data is equal to the total principal at the end of the previous settlement.

[0076] In this way, by first checking the totals based on the agent's accounting entries, it can be ensured that the agent's accounting is correct.

[0077] In step 244 , based on the second liquidation accounting entry corresponding to the entrusted product in the entrusting party's accounting entry, the entrusting party's second account data for the entrusted product is determined.

[0078] Still taking the example that all households in this group belong to loan products, determining the second account data may refer to determining the total loan amount and total interest amount of the entrusting party for the entrusted product based on the second liquidation accounting entry.

[0079] In step 245 , it is determined whether the first accounting data and the second accounting data meet the accounting consistency requirement.

[0080] Similarly, accounting consistency requires that the books be balanced in a popular sense, such as the total loan amount of the agent for the agent product is equal to the total loan amount of the principal for the entrusted product.

[0081] In this way, a comprehensive check is carried out between the agent and the principal to ensure the consistency of the accounts of the two parties.

[0082] It should be noted that there is no strict order between the above steps 22 and 23.

[0083] Figure 4 This is a flowchart of an account settlement method provided in an embodiment of the present application, which can be applied to Figure 1In the clearing device, the method includes the following steps.

[0084] In step S41, the business operation of each sub-account is monitored. The sub-account is an account opened by the agent for managing accounts.

[0085] In step S42, respond to the business operation.

[0086] In step S43, based on the business operations, the accounting entries of the agent corresponding to the sub-account are generated.

[0087] In step S44, if it is determined that responding to the business operation will change the number of electronic resources in the sub-account, an accounting entry for the client corresponding to the sub-account is generated based on the business operation.

[0088] Considering that the purpose of recording the accounting entries of the client corresponding to the sub-account is mainly to conduct electronic resource liquidation, if the business operation (such as changing the repayment method) will not affect the number of electronic resources in the sub-account, it is not necessary to record the accounting entries of the corresponding client. In this way, it will not affect the automatic liquidation and can save the storage space and processing resources of the liquidation equipment.

[0089] In step S45, when the settlement period is reached, the account data between the agent and each entrusting party is settled based on the agent's accounting entries and the entrusting party's accounting entries.

[0090] The implementation of this step can be referred to step 24 and will not be described in detail here.

[0091] Considering that in the embodiment of the present application, the agency business is automatically settled in the agent's settlement device, in order to facilitate the entrusting party to view or trace the settlement process, a settlement data viewing service can also be provided, so the following process can also be included.

[0092] In step S46, the client responds to the client's request to view the liquidation data of the entrusted product.

[0093] In step S47, the clearing data is displayed.

[0094] The liquidation data may include any combination of the first liquidation accounting entry, the second liquidation accounting entry, the first account data, and the second account data.

[0095] It should be noted that there is no strict order between the above steps 42 to 44.

[0096] The embodiment of the present application provides a single-account multi-entity accounting method, which is suitable for agency business. When accounting is required between the agent and the principal, the accounting entries of the agent and the principal can be generated simultaneously in one transaction, making the account transactions between the agent and the principal clearer, the account verification more convenient, and the flow of funds more clear.

[0097] The following describes the solution of the embodiment of the present application by taking the example of loan as the agency business and the settlement cycle as days. Figure 5 A schematic diagram of a loan processing process provided in an embodiment of the present application. Figure 5 The circled numbers in the figure represent the order of the corresponding links in the entire loan business. Generally, the principal can remit funds to the principal's settlement account in order to entrust the agent to handle the loan business. The subsequent process generally includes the loan issuance process and the loan recovery process. Figure 5 These two processes are introduced separately.

[0098] 1. Loan issuance process.

[0099] a. The agent first transfers funds from the client's clearing account to its own account and obtains the funds deposited in the system (i.e. the agent's clearing funds).

[0100] b. When the agent disburses the loan, the corresponding amount will be disbursed from the agent's liquidation funds to the borrower's settlement account.

[0101] c. The agent keeps accounts for the principal and completes the accounting entries for the principal's internal transactions - principal payments.

[0102] d. At the end of the day, when the clearing account is recorded, the summary accounting of internal transactions and interbank deposits is completed in batches.

[0103] The accounting entries generated in the above process are shown in Table 1.

[0104] Table 1

[0105]

[0106] 2. Loan recovery process.

[0107] a. After the borrower deposits the funds into the borrower's settlement account, the agent will recover the principal and interest of the loan, deduct the repayment funds from the borrower's settlement account and transfer them to the internal account of other payables.

[0108] b. The agent maintains the accounts for the principal and completes the accounting entries for the principal's principal, interest, value-added tax, and internal transactions.

[0109] c. The agent will remit the recovered principal and interest into the client's fund settlement account.

[0110] d. At the end of the day, when the clearing account is recorded, the summary accounting of internal transactions and interbank deposits is completed in batches.

[0111] The accounting entries generated in the above process are shown in Table 2.

[0112] Table 2

[0113]

[0114]

[0115] It should be noted that Figure 5 This is for illustration only. In actual applications, loan issuance and loan recovery for the same borrower are usually carried out on different days, so settlement is performed at the end of different days.

[0116] The following example introduces the above process.

[0117] Suppose Party A entrusts Party B to invest or loan one million yuan, Party A's entrusted product is A, and Party B's agency product is B, then a sub-account h will be generated on Party B.

[0118] 1. When the loan is disbursed:

[0119] Funds Inward Remittance:

[0120] Party B's accounting entries:

[0121] Debit: pending clearing amount (payment settlement) 1,000,000;

[0122] Credit: Funds deposited in the system (Party B’s liquidation funds) 1,000,000;

[0123] Party A's accounting entries:

[0124] Debit: Internal Transactions - Payment - Principal 1,000,000;

[0125] Credit: Deposits with banks (internal account) 1,000,000;

[0126] At this time, Party A has deposited one million yuan into Party B's liquidation account.

[0127] Loan disbursement:

[0128] Party B's accounting entries:

[0129]

[0130] Party A's accounting entries:

[0131] Borrow: principal 1,000,000;

[0132] Loan: Internal Transaction - Disbursement - Principal 1,000,000;

[0133] At this point, one million yuan has been deposited into the borrower's or investor's account, and the loan issuance is complete.

[0134] 2. Loan Repayment:

[0135] Party B's entries:

[0136]

[0137] Party A's accounting entries:

[0138]

[0139] At this point, the repayment amount is in the other payables account.

[0140] Funds remittance:

[0141] Debit: Other payables 1,200,000;

[0142] Credit: pending clearing funds (payment settlement) 1,200,000;

[0143] At this point, the funds have returned to Party A's account.

[0144] Party A's liquidation account will be credited at the end of the day:

[0145] Debit: Deposits with banks (internal account) 1200000;

[0146] Credit: Internal Transaction - Recovery - Principal 1,000,000;

[0147] Credit: Internal transactions - Recovery - Interest 200,000;

[0148] At this point, the debits and credits of Party B and Party A are balanced.

[0149] 3. Account settlement.

[0150] Party B may summarize the principal balance and interest balance of all sub-accounts by institution and product, and summarize all accounting entries of Party A. If the two summary results are consistent, it means that the general ledgers of the two parties are consistent.

[0151] Taking the above data as an example

[0152] Party B: h sub-accounts, 1,000,000-principal; Party A: issued principal 1,000,000;

[0153] 200,000-interest; recovery interest 200,000;

[0154] After loan disbursement and before repayment:

[0155] Party B: principal account balance: 1,000,000; Party A: the principal account balance is 1,000,000;

[0156] The interest account is 200,000; The interest account is 200,000;

[0157] After loan disbursement, after repayment

[0158] Party B: Principal account balance: 0; Party A: Disbursement principal account balance is 0;

[0159] The interest account is 0; the interest account is 0.

[0160] That is to say, in the embodiment of the present application, the agent will generate the principal and interest details for each sub-account, and then summarize the total principal and interest of the same product of the same institution according to the accounting conditions such as institution + product; then, based on the agent's accounting entries, summarize the daily total debit and total credit amounts of the principal and interest accounts according to the institution's products, calculate the account balance, and compare it with the summarized sub-account balance. If the two are consistent, the total and sub-account reconciliation is completed.

[0161] In addition, based on the accounting entries of the principal generated by the agent, the daily total debit and credit amounts of the principal and interest accounts can be summarized according to the accounting conditions such as institution + product, and the account balance can be calculated. It can be compared with the corresponding account balance of the agent (mapped through institutions and products), and the total account balances of the principal and agent can be compared (the corresponding accounts are mapped through institutions and products), thereby completing the total reconciliation.

[0162] When the method provided in the embodiments of the present application is implemented by software or hardware or a combination of software and hardware, the electronic device may include multiple functional modules, and each functional module may include software, hardware or a combination thereof.

[0163] Based on the same technical concept, the embodiment of the present application also provides an account settlement device. The principle of solving the problem by the account settlement device is similar to that of the above-mentioned account settlement method. Therefore, the implementation of the account settlement device can refer to the implementation of the account settlement method, and the repeated parts will not be repeated.

[0164] Figure 6 A schematic diagram of the structure of an account settlement device provided in an embodiment of the present application includes a monitoring module 601, a business module 602, a generation module 603, and a settlement module 604, wherein:

[0165] Monitoring module 601, for monitoring the business operations of each sub-account, wherein the sub-account is an account opened by the agent for managing accounts;

[0166] The service module 602 is used to respond to the service operation;

[0167] A generating module 603 is configured to generate, based on the business operation, accounting entries for the agent corresponding to the sub-account and accounting entries for the client corresponding to the sub-account;

[0168] The settlement module 604 is configured to settle the account data between the agent and each entrusting party based on the agent's accounting entries and the entrusting party's accounting entries when a settlement period is reached.

[0169] In some embodiments, the clearing module 604 is specifically configured to:

[0170] For a group of accounts belonging to the same client and the same agency product, determining the first accounting data of the agency for the agency product based on the first liquidation accounting entry belonging to the group of accounts in the accounting entries of the agency;

[0171] determining, based on the second liquidation accounting entry corresponding to the entrusted product in the entrusting party's accounting entry, the second accounting data of the entrusting party for the entrusted product;

[0172] Determine whether the first accounting data and the second accounting data meet accounting consistency requirements.

[0173] In some embodiments, the clearing module 604 is further configured to:

[0174] Before determining whether the first account data and the second account data meet the account consistency requirement, aggregating the account data in the group of accounts;

[0175] Determine whether the summary result and the first accounting data meet the accounting consistency requirements.

[0176] In some embodiments, the generating module 603 is further configured to:

[0177] Before generating the accounting entry of the client corresponding to the sub-account, it is determined that responding to the business operation will change the quantity of electronic resources in the sub-account.

[0178] In some embodiments, a display module 605 is further included for:

[0179] After determining that the first accounting data and the second accounting data meet the accounting consistency requirement, responding to the client's request for viewing the liquidation data of the client product;

[0180] Liquidation data is displayed, where the liquidation data includes any combination of the first liquidation accounting entry, the second liquidation accounting entry, the first account data, and the second account data.

[0181] The division of modules in the embodiments of the present application is schematic and is only a logical function division. There may be other division methods in actual implementation. In addition, the functional modules in the embodiments of the present application may be integrated into one processor, or may exist physically separately, or two or more modules may be integrated into one module. The coupling between the modules can be achieved through some interfaces, which are usually electrical communication interfaces, but it is not ruled out that they may be mechanical interfaces or other forms of interfaces. Therefore, the modules described as separate components may or may not be physically separated, and may be located in one place or distributed to different locations of the same or different devices. The above-mentioned integrated modules can be implemented in the form of hardware or in the form of software functional modules.

[0182] After introducing the account settlement method and apparatus according to an exemplary embodiment of the present application, an electronic device according to another exemplary embodiment of the present application will be introduced next.

[0183] In some possible implementations, the electronic device of the present application may include at least one processor and at least one memory, wherein the memory stores program code that, when executed by the processor, causes the processor to perform the methods described above in this specification according to various exemplary embodiments of the present application.

[0184] Refer to the following Figure 7 The electronic device 130 implemented according to this embodiment of the present application is described. Figure 7 The electronic device 130 shown is merely an example and should not limit the functions and scope of use of the embodiments of the present application.

[0185] like Figure 7 As shown, the electronic device 130 is a general electronic device. Components of the electronic device 130 may include, but are not limited to, the at least one processor 131, the at least one memory 132, and a bus 133 connecting different system components (including the memory 132 and the processor 131).

[0186] Bus 133 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, and a processor or local bus using any of a variety of bus architectures.

[0187] The memory 132 may include a readable medium in the form of a volatile memory, such as a random access memory (RAM) 1321 and / or a cache memory 1322 , and may further include a read-only memory (ROM) 1323 .

[0188] The memory 132 may also include a program / utility 1325 having a set (at least one) of program modules 1324, such program modules 1324 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment.

[0189] The electronic device 130 may also communicate with one or more external devices 134 (e.g., a keyboard, pointing device, etc.), one or more devices that enable a user to interact with the electronic device 130, and / or any device that enables the electronic device 130 to communicate with one or more other electronic devices (e.g., a router, a modem, etc.). Such communication may occur via an input / output (I / O) interface 135. Furthermore, the electronic device 130 may also communicate with one or more networks (e.g., a local area network (LAN), a wide area network (WAN), and / or a public network such as the Internet) via a network adapter 136. As shown, the network adapter 136 communicates with other modules of the electronic device 130 via a bus 133. It should be understood that, although not shown, other hardware and / or software modules may be used in conjunction with the electronic device 130, including but not limited to microcode, device drivers, redundant processors, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0190] In an exemplary embodiment, a computer-readable storage medium including instructions is further provided, such as a memory 132 including instructions. The instructions are executable by the processor 131 to implement the above-described account settlement method. Alternatively, the storage medium may be a non-transitory computer-readable storage medium, such as a ROM, random access memory (RAM), CD-ROM, magnetic tape, floppy disk, or optical data storage device.

[0191] In an exemplary embodiment, a computer program product is further provided. When the computer program product is called and executed by an electronic device, the electronic device is caused to execute any exemplary method provided in this application.

[0192] Furthermore, the computer program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or component, or any combination thereof. More specific examples (a non-exhaustive list) of readable storage media include: an electrical connection with one or more wires, a portable disk, a hard disk, RAM, ROM, an erasable programmable read-only memory (EPROM), a flash memory, an optical fiber, a compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof.

[0193] In the embodiments of the present application, the program product for account settlement may be a CD-ROM containing program code and may be run on a computing device. However, the program product of the present application is not limited thereto. In this document, a readable storage medium may be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device.

[0194] A readable signal medium may include a data signal transmitted in baseband or as part of a carrier wave, which carries readable program code. Such a transmitted data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. A readable signal medium may also be any readable medium other than a readable storage medium that can transmit, propagate, or transfer a program for use by or in conjunction with an instruction execution system, apparatus, or device.

[0195] The program code contained on the readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wired, optical cable, radio frequency (RF), etc., or any suitable combination of the foregoing.

[0196] The program code for performing the operations of the present application can be written in any combination of one or more programming languages, including object-oriented programming languages such as Java, C++, etc., and conventional procedural programming languages such as "C" or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, as a separate software package, partially on the user computing device and partially on a remote computing device, or entirely on a remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, such as a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (e.g., via the Internet using an Internet service provider).

[0197] It should be noted that although several units or subunits of the device are mentioned in the detailed description above, this division is merely exemplary and not mandatory. In fact, depending on the embodiment of the application, the features and functions of two or more units described above can be embodied in a single unit. Conversely, the features and functions of a single unit described above can be further divided and embodied by multiple units.

[0198] Furthermore, although the operations of the method of the present application are described in a particular order in the accompanying drawings, this does not require or imply that the operations must be performed in this particular order, or that all illustrated operations must be performed to achieve the desired results. Additionally or alternatively, some steps may be omitted, multiple steps may be combined into one step, and / or one step may be decomposed into multiple steps.

[0199] Those skilled in the art will appreciate that the embodiments of the present application can be provided as methods, systems, or computer program products. Therefore, the present application can adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application can adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0200] The present application is described with reference to the flowcharts and / or block diagrams of the methods, apparatus (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, 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 generate instructions for implementing the steps in the flowchart and / or block diagram. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0201] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0202] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0203] Although the preferred embodiments of the present application have been described, those skilled in the art may make additional changes and modifications to these embodiments once they have learned the basic creative concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications that fall within the scope of the present application.

[0204] Obviously, those skilled in the art may make various changes and modifications to this application without departing from the spirit and scope of this application. Thus, if these modifications and variations of this application fall within the scope of the claims of this application and their equivalents, this application is intended to include these modifications and variations.

Claims

1. A method for clearing accounts, characterized in that: include: Monitor the business operations of each sub-account, which is an account opened by the agent for accounting management; responding to the business operation; Based on the business operation, generate accounting entries for the agent corresponding to the sub-account and generate accounting entries for the client corresponding to the sub-account; When the settlement period arrives, the accounting data between the agent and each entrusting party is settled based on the accounting entries of the agent and the accounting entries of each entrusting party; Based on the accounting entries of the agent and the accounting entries of the entrusting parties, the account data between the agent and the entrusting parties are settled, including: For a group of accounts belonging to the same client and the same agency product, determining the first accounting data of the agency for the agency product based on the first liquidation accounting entry belonging to the group of accounts in the accounting entries of the agency; Determining second accounting data of the client for the entrusted product based on the second liquidation accounting entry corresponding to the entrusted product in the client's accounting entry; Determine whether the first accounting data and the second accounting data meet accounting consistency requirements.

2. The method according to claim 1, wherein Before determining that the first accounting data and the second accounting data meet the accounting consistency requirement, the method further includes: Summarize the account data of the households in this group; Determine whether the summary result and the first accounting data meet the accounting consistency requirements.

3. The method according to claim 1, wherein Before generating the accounting entries of the client corresponding to the sub-account, the following steps are also included: Determining that responding to the business operation will change the quantity of electronic resources in the sub-account.

4. The method according to any one of claims 1 to 3, characterized in that: After determining that the first accounting data and the second accounting data meet the accounting consistency requirement, the method further includes: Responding to a request by the entrusting party to view liquidation data of the entrusted product; Liquidation data is displayed, where the liquidation data includes any combination of the first liquidation accounting entry, the second liquidation accounting entry, the first account data, and the second account data.

5. An account settlement device, characterized in that: include: A monitoring module for monitoring the business operations of each sub-account, wherein the sub-account is an account opened by the agent for managing accounts; A business module, configured to respond to the business operation; A generating module, configured to generate, based on the business operation, accounting entries for the agent corresponding to the sub-account and accounting entries for the principal corresponding to the sub-account; a clearing module for clearing the account data between the agent and each entrusting party based on the agent's accounting entries and the entrusting party's accounting entries when a clearing cycle is reached; The liquidation module is specifically configured to determine, for a group of accounts belonging to the same entrusting party and the same agency product, the first account data of the agent for the agency product based on the first liquidation accounting entry belonging to the group of accounts in the accounting entries of the agent; determine the second account data of the entrusting party for the entrusting product based on the second liquidation accounting entry belonging to the corresponding entrusting product in the accounting entries of the entrusting party; and determine whether the first account data and the second account data meet the accounting consistency requirements.

6. The device according to claim 5, characterized in that The clearing module is also used to: Before determining whether the first account data and the second account data meet the account consistency requirement, aggregating the account data in the group of accounts; Determine whether the summary result and the first accounting data meet the accounting consistency requirements.

7. The device according to claim 5, characterized in that The generation module is further configured to: Before generating the accounting entry of the client corresponding to the sub-account, it is determined that responding to the business operation will change the quantity of electronic resources in the sub-account.

8. The device according to any one of claims 5 to 7, characterized in that: Also includes display modules for: After determining that the first accounting data and the second accounting data meet the accounting consistency requirement, responding to the client's request for viewing the liquidation data of the client product; Liquidation data is displayed, where the liquidation data includes any combination of the first liquidation accounting entry, the second liquidation accounting entry, the first account data, and the second account data.

9. An electronic device, characterized in that: include: at least one processor, and a memory communicatively coupled to the at least one processor, wherein: The memory stores instructions that can be executed by the at least one processor. The instructions are executed by the at least one processor to enable the at least one processor to perform the method according to any one of claims 1 to 4.

10. A storage medium, characterized in that: When the instructions in the storage medium are executed by a processor of an electronic device, the electronic device can execute the method according to any one of claims 1 to 4.

11. A computer program product, characterized in that When the computer program product is called and executed by an electronic device, the electronic device is caused to execute the method according to any one of claims 1 to 4.

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