A contract change method, device, equipment and medium

Abstract

This invention relates to the field of resource management technology, specifically to a contract modification method, apparatus, device, and medium. The method includes: receiving a business modification instruction requesting the modification of a first contract into a second contract; obtaining first attribute information of the first contract, including first product information and first interest rate information; verifying the first contract based on second attribute information, including second product information and second interest rate information; and if the verification of the first contract passes, generating a second contract based on the second attribute information and the first contract. This method improves the efficiency of contract modification.

Description

Technical Field

[0001] This invention relates to the field of resource management technology, specifically to a method, apparatus, equipment, and medium for contract modification. Background Technology

[0002] Loan products are diverse. For example, based on loan term, they can be categorized into short-term, medium-term, and long-term loans. Similarly, based on the nature and purpose of the loan, they can be classified as fixed asset loans, working capital loans, consumer loans, and so on. The accounting methods for different loan products also differ. Loan product accounting refers to the calculation of cash flow throughout the loan's entire lifecycle based on accounting conditions. The calculation methods for loan cash flow vary under different accounting conditions.

[0003] Users typically need to change their loan products, for example, switching from one loan product to another. Due to the diversity and differentiation of loan products, changing a loan product requires changes to the loan accounting. How to quickly facilitate loan product changes is a pressing issue that needs to be addressed. Summary of the Invention

[0004] This invention provides a method, apparatus, device, and medium for contract modification, which can quickly modify loan products and improve the efficiency of loan product modification.

[0005] In a first aspect, embodiments of the present invention provide a method for contract modification, which can be executed by an electronic device with computing power, such as a personal computer, and the method includes:

[0006] An electronic device receives a service change instruction, which requests a change from a first contract to a second contract. The electronic device then obtains the first attribute information of the first contract and verifies it based on the second attribute information. The first attribute information includes the first product information and the first interest rate information of the first contract, while the second attribute information includes the second product information and the second interest rate information of the second contract. If the electronic device verifies the first contract successfully, it generates a second contract based on the second attribute information and the first contract. The first contract corresponds to a first loan product, and the second contract corresponds to a second loan product. Since different loan products share some attribute information, such as some product information, in this embodiment, when a change from a first loan product to a second loan product is required, the first contract can be verified based on the second attribute information. If the verification passes, it indicates that the attribute information of the first loan product belongs to the attribute information of the second loan product, and thus the second contract can be generated based on the second attribute information and the first contract. This is faster than the current method of requiring all attribute information of the second loan product to regenerate the second contract, thereby improving the efficiency of the change process.

[0007] Optionally, after generating the second contract based on the second attribute information and the first contract, the method further includes: the electronic device determining the second chart of accounts (COA) segment value of the second contract, generating a second accounting type based on the second COA segment value and the second product information, and changing the account information of the first contract to the account of the second contract according to the second accounting type. The second accounting type is used to determine the account information of the second contract. Generally, changes to the loan product may also change the accounting type. Therefore, in this embodiment, after generating the second contract, the second accounting type corresponding to the second contract can be determined, thereby changing the account information.

[0008] Optionally, the first product information includes M sub-information items, where one of the M sub-information items corresponds to a value. The second product information includes N sub-information items, where one of the N sub-information items corresponds to a set of values. The electronic device verifies the first contract based on the second attribute information of the second contract, including: if the electronic device determines that the M sub-information items belong to the N sub-information items, and the values ​​corresponding to the same sub-information items in the M and N sub-information items are located in the set of values ​​corresponding to the same sub-information items, the electronic device can further determine whether the first interest rate indicated by the first interest rate information is consistent with the second interest rate indicated by the second interest rate information. If the first interest rate and the second interest rate are consistent, then the first contract verification is considered successful. Alternatively, it can be understood that the product information included in the second attribute information is compared with the product information included in the first attribute information. If the value of any attribute information is different, then the verification is considered to have failed. That is, since the second attribute information includes the first attribute information, it can be considered that the attribute information of the second loan product includes the attribute information of the first loan product. Therefore, when changing the first loan product to the second loan product, it is not necessary to provide all the attribute information of the second loan product.

[0009] Optionally, the method further includes: if the electronic device determines that the M sub-information items do not belong to the N sub-information items, or if the electronic device determines that the values ​​corresponding to the same sub-information items in the M and N sub-information items do not belong to the value set corresponding to the same sub-information items, the electronic device outputs a prompt message. This prompt message indicates that the verification failed, so that the system can subsequently re-acquire all attribute information related to the second contract to generate the second contract.

[0010] Optionally, after the electronic device generates the second contract based on the second attribute information and the first contract, the method further includes: the electronic device assigning values ​​to some or all of the attribute information in the second attribute information of the second contract to verify whether the second contract has been correctly changed.

[0011] Optionally, the electronic device determines the value of the second chart of accounts segment of the second contract, including:

[0012] The system obtains the first accounting information for the first contract, which includes a first accounting checklist and a first chart of accounts segment value list. The first accounting checklist includes multiple accounting check items, each corresponding to a first chart of accounts segment value. Then, for each chart of accounts segment value, the system receives an accounting type change instruction. This instruction specifies the accounting conditions, thereby generating a second chart of accounts segment value based on the first chart of accounts segment value and the accounting conditions. In response to the accounting type change instruction, the first chart of accounts segment values ​​corresponding to each accounting check item can be modified to the second chart of accounts segment values, thus determining the second chart of accounts segment value for the second contract.

[0013] Optionally, the method further includes: for the first sub-information among the M sub-information pieces, after the first sub-information has been verified, generating and saving a verification record. This verification record is used to indicate that the first sub-information has been verified.

[0014] Optionally, the method further includes: receiving an input verification instruction, which instructs the first contract to be re-verified based on the second attribute information; obtaining the last saved verification record, and verifying the remaining sub-information starting from the last verification record. The last verification record indicates the last sub-information that has been verified. Because the verified sub-information is saved, when verifying the first contract again, the remaining sub-information can be verified starting from the last verification record. This avoids repeatedly verifying sub-information that has already been verified, improving verification efficiency.

[0015] Secondly, embodiments of the present invention provide a contract modification device, which can be used to implement the contract modification method provided in the first aspect. The contract modification device includes a receiving module, an acquiring module, a verification module, and a contract generation module. The receiving module receives a business modification instruction requesting the modification of a first contract into a second contract. The acquiring module acquires first attribute information of the first contract, including first product information and first interest rate information. The verification module verifies the first contract based on second attribute information, including second product information and second interest rate information of the second contract. The contract generation module generates a second contract based on the second attribute information and the first contract when the first contract passes verification.

[0016] Optionally, after generating the second contract based on the second attribute information and the first contract, the contract generation module is further configured to: determine the second chart of accounts segment value of the second contract; generate a second accounting type based on the second chart of accounts segment value and the second product information, wherein the second accounting type is used to determine the account information of the second contract; and change the account information of the first contract to the account of the second contract based on the second accounting type.

[0017] Optionally, the verification module verifies the first contract based on the second attribute information of the second contract, including: if the verification module determines that M sub-information belongs to N sub-information, and the values ​​corresponding to the same sub-information in the M sub-information and N sub-information are located in the value set corresponding to the same sub-information, the verification module determines whether the first interest rate indicated by the first interest rate information is consistent with the second interest rate indicated by the second interest rate information; if the first interest rate and the second interest rate are consistent, the verification module determines that the first contract has passed the verification.

[0018] Optionally, the verification module verifies the first contract based on the second attribute information of the second contract, including: the verification module determines that M sub-information does not belong to N sub-information, or the verification module determines that the value corresponding to the same sub-information in the M sub-information and N sub-information does not belong to the value set corresponding to the same sub-information, and outputs a prompt message indicating that the verification failed.

[0019] Optionally, after generating the second contract based on the second attribute information and the first contract, the contract generation module is further used to: assign values ​​to some or all of the attribute information in the second attribute information of the second contract to verify whether the second contract has been correctly modified.

[0020] Optionally, the contract generation module is also used for:

[0021] Obtain the first accounting information of the first contract; for a chart of accounts segment value, receive an accounting type change instruction, which indicates the accounting conditions; obtain the accounting conditions according to the instruction, and then generate the second chart of accounts segment value according to the first chart of accounts segment value and the accounting conditions.

[0022] Thirdly, the present invention also provides an electronic device including a memory, a processor, and a computer program stored in the memory that can be executed by the processor, wherein the processor executes the computer program to implement the methods described in the first aspect and various alternatives.

[0023] Fourthly, the present invention also provides a computer-readable storage medium storing a computer program that, when executed by a processor, performs the steps described in the first aspect and the various options.

[0024] Fifthly, the present invention also provides a computer program product comprising: computer program code, which, when run on a computer, causes the computer to perform the steps described in the first aspect and the various alternatives.

[0025] In this embodiment of the invention, when it is necessary to change from a first loan product to a second loan product, the first contract can be verified based on the second attribute information. If the verification passes, it indicates that the attribute information of the first loan product belongs to the attribute information of the second loan product, and thus the second contract can be generated based on the second attribute information and the first contract. Compared to the current method of requiring all attribute information of the second loan product to regenerate the second contract, this is much faster, thereby improving the efficiency of the change process. Attached Figure Description

[0026] Figure 1 This is a flowchart illustrating a contract modification method provided in an embodiment of the present invention;

[0027] Figure 2 A schematic diagram of an accounting checklist provided in an embodiment of the present invention;

[0028] Figure 3 This is a schematic diagram of the structure of the contract modification device provided in an embodiment of the present invention;

[0029] Figure 4 This is a schematic diagram of the structure of an electronic device provided in an embodiment of the present invention. Detailed Implementation

[0030] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. In the technical solutions of the present invention, the collection, dissemination, and use of data all comply with the requirements of relevant national laws and regulations.

[0031] The embodiments of this invention mainly involve contract changes. In order to better understand the solutions provided by the embodiments of this invention, some technical concepts involved in the embodiments of this invention will be introduced first.

[0032] 1) Products, such as general loans, entrusted loans, bill discounting, and the issuance of letters of guarantee. For ease of description, this embodiment of the invention uses loan products as an example.

[0033] A product comprises multiple product components. A product component can be understood as a functional unit possessing a set of certain attributes of the product. Taking a fixed-income loan product as an example, a fixed-income loan product may include loan disbursement method components, loan contract restriction rules components, and loan disbursement rule components, etc. A product component may contain multiple types of information. For example, the loan disbursement method component includes loan disbursement method code information and loan rollover identification information. The loan contract restriction rules component includes loan contract multi-account identification information, single contract limit revolving identification information, and advance payment identification information, etc. The loan disbursement rule component includes loan disbursement method code information, loan subsequent disbursement repricing method code information, and loan rollover identification information, etc. In this embodiment of the invention, the information possessed by the product components is referred to as product information.

[0034] Product information for a loan product can be considered a type of attribute information. The attributes of a loan product can be understood as the constraints in establishing a contract based on that product. For example, a contract based on a loan product is constrained by the product information and the interest rate of that product. From this perspective, the attribute information of a loan product can include product information and interest rate information. Furthermore, an attribute of a product component can have multiple values. For example, the repayment method attribute of the loan repayment method component can have two values: one corresponding to a lump-sum repayment of principal and interest, and the other corresponding to equal installments. It should be noted that product information also includes some general product attributes, such as product name, product number, and available product assembly version number.

[0035] When creating a loan product, the first step is to determine which components it comprises. If the required components already exist, the loan product can be created directly. Conversely, if the required components do not exist, the necessary components must be acquired before creation.

[0036] 2) A contract, which can be understood as an agreement reached by both parties during a transaction, has certain fixed attributes or conditions. In this embodiment of the invention, the contract is generated based on a loan product. After the loan product is established, a contract can be created on that loan product. It should be noted that the contract also includes interest rate conditions, which can also be understood as interest rate values. Interest rate conditions can be divided into fixed interest rates and floating interest rates. When the contract is created, the corresponding interest rate conditions will be selected.

[0037] 3) The Schedule of Accounts (COA) determines the accounting conditions for a contract. Each accounting condition corresponds to a value, called the COA segment value. If a contract changes, the accounting type may need to be changed. For example, if Contract 1 is changed to Contract 2, and the COA segment values ​​for Contract 1 and Contract 2 differ, the accounting type for Contract 1 needs to be changed.

[0038] Users can purchase loan products, which involves creating a contract for that product. Later, based on their needs, users may change their loan products. For example, a user might initially purchase a first loan product and later need to purchase a second. This means the user applies to change the first loan product to the second. Currently, the system obtains the product components of the second loan product and constructs it based on those components. Then, a contract is created based on the second loan product. Due to the wide variety of loan products, the current process for changing loan products is cumbersome and inefficient.

[0039] Therefore, embodiments of the present invention provide a novel contract modification method that simplifies the modification process and improves modification efficiency. To facilitate understanding of the solution provided by these embodiments, the contract modification method is described below with reference to the accompanying drawings.

[0040] The contract modification method provided in this embodiment of the invention can be executed by an electronic device with processing capabilities, such as a mobile phone, tablet computer (PAD), or personal computer (PC). Of course, the type of electronic device in this embodiment of the invention is not limited to these.

[0041] Please see Figure 1 This is a flowchart illustrating the contract modification method provided in an embodiment of the present invention. In the following text, we take a user's application to change a first loan product to a second loan product as an example. The contract established based on the first loan product is called the first contract, and the contract established based on the second loan product is called the second contract. Changing the first loan product to the second loan product can also be understood as changing the first contract to the second contract.

[0042] S101, Receive a business change instruction, which is used to request the change of the first contract to the second contract.

[0043] Understandably, the first contract has already been generated before step S101. If the user needs to change the contract, they can input a service change instruction into the electronic device to request that the first contract be changed to the second contract. For example, the service change instruction may include the identification information of the first contract and the identification information of the second contract. Upon receiving the service change instruction, the electronic device can retrieve the identification information of the first contract and the second contract from the instruction. Since the first contract has already been generated, but the second contract does not yet exist, the electronic device can default to using the service change instruction to request that the first contract be changed to the second contract.

[0044] Step 102: Obtain the first attribute information of the first contract.

[0045] The first attribute information refers to the attribute information of the first contract. It can be understood that the contract's attribute information is the attribute information of the loan product associated with that contract, including product information and interest rate information. For ease of description, this article refers to the product information of the first contract as first product information and the interest rate information of the first contract as first interest rate information. That is, the first attribute information includes both first product information and first interest rate information. For example, the first product information includes the set of attributes associated with the various product components included in the first loan product. The first interest rate information indicates the interest rate terms selected when the first contract is established. The contract's interest rate terms include fixed or floating rates; for example, the Loan Prime Rate (LPR) is a floating rate. For floating rates, there are multiple possible interest rate values.

[0046] Step 103: Verify the first contract based on the second attribute information in the second contract.

[0047] The second attribute information is similar to the first attribute information, containing the second product information and the second interest rate information of the second contract. Typically, when changing a contract, obtaining all associated attribute information and interest rate information, constructing a loan product, and then generating the revised contract is time-consuming.

[0048] Since different loan products share some attribute information, such as some product information, the implementation of this same attribute information in the contract is also the same. Therefore, in this embodiment of the invention, if a request is made to change the first contract to the second contract, the second contract can be determined based on the attribute information of the first and second contracts, without having to reconstruct the second loan product based on all the attribute information associated with the second contract, thereby improving the efficiency of the change.

[0049] Specifically, the electronic device can obtain the second attribute information of the second contract, and then verify the first contract based on the second attribute information to determine whether the second attribute information includes the first attribute information associated with the first contract. Verifying the first contract based on the second attribute information can also be understood as comparing the product information included in the second attribute information with the product information included in the first attribute information; if the value of any product information is different, then the first contract is considered to have failed verification. Alternatively, it can compare the second interest rate information included in the second attribute information with the first interest rate information included in the first attribute information; if the interest rate value indicated by the first interest rate information is inconsistent with the interest rate value indicated by the second interest rate information, then the first contract is also considered to have failed verification.

[0050] For example, the product component of the first loan product has a set of M attribute values, which can also be understood as the first product information including M sub-information. One of these M sub-information pieces corresponds to a single value. Similarly, the product component of the first loan product has a set of N attribute values, which can also be understood as the second product information including N sub-information. One of these N sub-information pieces corresponds to a single value set. When verifying the first contract based on the second attribute information, the first contract can first be verified using the sub-information. If it is determined that M sub-information pieces belong to N sub-information pieces, and the values ​​corresponding to the same sub-information pieces in both the M and N sub-information pieces are located within the value set corresponding to the same sub-information pieces, then the verification of the first contract based on the sub-information is successful. Next, the first contract is verified using the interest rate information. If it is determined that the first interest rate indicated by the first interest rate information is consistent with the second interest rate indicated by the second interest rate information, then the verification of the first contract is successful.

[0051] For example, consider the set of values ​​{ai} corresponding to each sub-information in the first product information. When creating the first contract, a value ai is selected from this set of attribute values ​​{ai}. Similarly, after the first contract is generated, it contains M attribute values ​​ai. The second product information also contains the set of values ​​{bi} corresponding to each sub-information.

[0052] When validating the first contract based on the second attribute information, the first step is to verify the M ai values ​​in the first contract based on the aforementioned N value set {bi}. For example, it can be determined whether the M sub-information values ​​belong to the N sub-information values. If the M sub-information values ​​belong to the N sub-information values, for each of the M sub-information values, it is determined whether the value ai corresponding to that sub-information value belongs to the value set {bi} of the N sub-information values ​​corresponding to that sub-information value. If the value ai corresponding to that sub-information value belongs to the value set {bi} of the N sub-information values ​​corresponding to that sub-information value, then the verification of the first contract based on the second product information passes. Conversely, if the value ai corresponding to that sub-information value does not belong to the value set {bi} of the N sub-information values ​​corresponding to that sub-information value, then the verification of the first contract based on the second product information fails. It is understood that M is less than or equal to N. If the verification of the first contract based on the second product information passes, it is further determined whether the first interest rate information contained in the first contract is consistent with the second interest rate information contained in the second contract. That is, it is determined whether the first interest rate indicated by the first interest rate information and the second interest rate indicated by the second interest rate information are consistent. If the first interest rate indicated by the first interest rate information is consistent with the second interest rate indicated by the second interest rate information, then the verification of the first contract is successful.

[0053] Continuing with the example above, when the first loan product is a fixed-income product, it contains M sets of attribute values. Among them, the loan repayment attribute value set {ai} is {1}, where "1" indicates a lump-sum repayment of principal and interest. When establishing the first contract, "1" is selected, i.e., ai = 1. The other attribute values ​​of this first product are determined in the same way. The second loan product is a working capital product, which contains N sets of attribute values. Among them, the loan repayment attribute value set {bi} is {1,2}, where "1" indicates a lump-sum repayment of principal and interest, and "2" indicates equal installments of principal and interest.

[0054] The value ai = 1 corresponds to the loan repayment method for fixed-income products. The set of values ​​for the loan repayment method for working capital products is {bi}, i.e., {1, 2}. Clearly, ai belongs to {bi}, so the verification of the first contract based on the loan repayment method passes. Other sub-information for both fixed-income and working capital products is verified in the same way. If all sub-information passes verification, then the verification of the first contract based on the second product information is considered successful. Subsequently, the electronic device can obtain the first interest rate information for fixed-income products and the second interest rate information for working capital products. If the first interest rate indicated by the first interest rate information and the second interest rate indicated by the second interest rate information are consistent, then the verification of the first contract based on the second attribute information passes.

[0055] Understandably, if any one of the M sub-information pieces does not belong to the N sub-information pieces, or if the value ai corresponding to the same sub-information as the N sub-information pieces does not belong to the N value set {bi}, then the verification fails. For example, the loan repayment method for fixed-income products is a lump-sum repayment of principal and interest, i.e., the value ai = 1. The loan repayment method for working capital products is equal installments of principal and interest, i.e., the value set {bi} is {2}. Therefore, ai does not belong to {bi}, and the verification fails. Alternatively, if the first interest rate indicated by the first interest rate information is inconsistent with the second interest rate indicated by the second interest rate information, the verification also fails. For example, if the interest rate for fixed-income products is a fixed rate, and the interest rate for working capital products is the LPR floating rate, then the verification for the first contract fails.

[0056] When the verification of the first contract based on the second attribute information fails, the electronic device can output a prompt message indicating that the verification has failed. In this case, the system can reacquire all product components of the second loan product, reassemble the second loan product based on the acquired product components, and then generate the second contract based on the second loan product.

[0057] S104. The electronic device generates a second contract based on the second attribute information and the first contract.

[0058] When the verification of the first contract based on the second attribute information passes, the electronic device generates a second contract according to the second attribute information and the first contract, thus changing the first contract into the second contract. Alternatively, the electronic device can modify the attributes of the first loan product based on the second attribute information, thereby changing the first loan product into the second loan product, and the first contract into the second contract.

[0059] Typically, the attribute information of the first loan product and the attribute information of the second loan product are already stored in the system. The contract modification scheme provided in this embodiment of the invention only requires the user to provide the product name or product number of the second contract. The system then retrieves the second attribute information of the second loan product, verifies the attribute information of the first contract, and modifies the first contract to the second contract. This eliminates the need for the user to provide further attribute information for the second loan product or the second contract, thus simplifying the contract modification process and improving efficiency. Furthermore, since the attribute information of both the first and second loan products is known, the user can generate any second contract that meets the verification conditions based on the existing contract, providing the user with flexible choices.

[0060] In this embodiment of the invention, after the second contract is generated based on the second attribute information and the first contract, the second contract can be verified. For example, values ​​can be assigned to some and all attribute information in the second attribute information of the second contract to verify whether the second contract was generated correctly. This verification process is a check on the aforementioned steps, effectively avoiding errors during execution and ensuring the stability of the system.

[0061] S105. Change the account information of the first contract to the account of the second contract.

[0062] Changing the first contract to the second contract may also involve changes to account information. For example, if the chart of accounts values ​​for the first and second contracts differ, then the accounting types for the first and second contracts will also differ. This necessitates changing the accounting type of the contract, and consequently, the account information. Taking a bridge loan as an example, the accounting information includes direct financing. This means that the chart of accounts values ​​associated with the first contract include direct financing, and the accounting type of the first contract can be considered as a direct financing bridge loan. If the chart of accounts values ​​associated with the second loan product are indirect financing, then during the process of changing the first contract to the second contract, the accounting type changes to an indirect financing bridge loan, requiring a change to the account information.

[0063] For ease of description, the accounting type of the first contract will be referred to as the first accounting type, and the accounting type of the second contract will be referred to as the second accounting type. In this embodiment of the invention, the electronic device can generate a second accounting type based on the determined value of the second chart of accounts segment of the second contract and the second product information, thereby changing the account of the first contract to the account of the second contract according to the second accounting type. It can be understood that the second accounting type can determine the account information of the second contract.

[0064] The following explains how to change account information. Before explaining how to change account information, we will first introduce the relevant technical features involved.

[0065] This invention introduces an accounting checklist for managing accounting information. The accounting checklist is a list of multiple 0s and 1s, where each 0 / 1 corresponds to a chart of accounts segment value. For example, please refer to... Figure 2 This is a diagram of an accounting checklist. Figure 2 Taking the chart of accounts segment values, which include customer account number, contract number, product number, loan purpose code, loan financing type code, domestic / overseas indicator, advance indicator, CCB system internal indicator, recourse indicator, corporate customer type code, settlement method code, bank title indicator, and accounting checklist values ​​as an example, this application embodiment does not limit the number and types of chart of accounts segment values. It can be understood that the chart of accounts segment values ​​can be expanded or modified, and the accounting checklist can be expanded or modified, making it more flexible.

[0066] When the accounting checklist value is 1, the corresponding chart of accounts segment value changes; when the accounting checklist value is 0, the corresponding chart of accounts segment value remains unchanged. Figure 2 For example, the loan fund usage code and loan financing type code correspond to "1", therefore, the loan fund usage code and loan financing type code are changed. The domestic / overseas indicator and advance indicator correspond to "0", therefore, the domestic / overseas indicator and advance indicator are not changed. If you want to change the accounting type corresponding to the contract, you can first modify the accounting checklist value corresponding to the accounting chart segment value, modify the accounting chart segment value according to the accounting checklist value, and then change the accounting type according to the accounting chart segment value. For example, if the first accounting type is direct financing bridge loan, the corresponding first accounting chart segment value is direct financing. After modifying the first accounting chart segment value according to the accounting checklist, a second accounting chart segment value is generated, such as property transfer, then the second accounting type is property transfer bridge loan. In this way, by using 0 or 1 in the accounting checklist, you can quickly and conveniently control the change of the accounting chart segment value. In addition, since the list only contains the values ​​0 or 1, the accounting checklist value can indicate which specific accounting chart segment values ​​have changed after the chart of accounts segment values ​​have changed, making it easier to check and update the accounting type.

[0067] The following describes how to change account information. For ease of description, the chart of accounts segment values ​​associated with the first contract will be referred to as the first chart of accounts segment value list, and the chart of accounts segment values ​​associated with the second contract will be referred to as the second chart of accounts segment value list. It should be noted that the first chart of accounts segment value list includes multiple chart of accounts segment values, and the second chart of accounts segment value list includes multiple chart of accounts segment values.

[0068] In this embodiment of the invention, after changing the first contract to the second contract, the first accounting information of the first contract can be obtained. This first accounting information includes a first accounting check list and a first chart of accounts segment value list. The first accounting check list includes multiple accounting check items, each corresponding to a first chart of accounts segment value. If it is necessary to change the accounting type of the second contract, the user can input an accounting type change instruction for the first chart of accounts segment value to be changed. This instruction specifies the accounting conditions. Upon receiving the accounting type change instruction, the system generates a second chart of accounts segment value based on the accounting conditions indicated by the instruction and the first chart of accounts segment value. This process can be repeated to change all the first chart of accounts segment values ​​to the second chart of accounts segment values. In this embodiment, the chart of accounts segment value list is used to record the accounting conditions of the contract. Each accounting condition corresponds to one chart of accounts segment value, facilitating the organization and modification of accounting conditions. Thus, the electronic device can receive the accounting conditions input by the user and change the accounting type of the first contract accordingly. At the same time, combining the list of account segment values ​​with product names and product numbers can enable the determination and rapid change of accounting types.

[0069] After the electronic device changes the first contract to the second contract, it assigns values ​​to some or all of the attribute information in the second attribute information of the changed second contract to verify whether the change to the second contract is correct. For example, the assigned attribute information is compared with the corresponding attribute information stored in the system. If they match, the change is correct; if they do not match, the change is incorrect.

[0070] Furthermore, a relocation mechanism is introduced in this embodiment of the invention. It is understood that during the verification of the first contract by the electronic device based on the second attribute information, the verification process is performed one by one on each of the M sub-information items. In this embodiment, after the electronic device completes the verification of each sub-information item, it can save the record of this verification, thereby determining which sub-information items have been verified based on the saved record. When the verification process of the first contract by the electronic device is interrupted, since the records of the verified sub-information items are saved, when the electronic device verifies the first contract again, it can obtain the last saved record, thereby determining the sub-information items that have not been verified. Subsequently, the verification of sub-information items can continue from the last record, avoiding repeated verification of already verified sub-information items and saving verification time. By introducing a relocation mechanism, this invention effectively prevents data loss caused by sudden interruptions in the execution process, increasing the stability of the implementation process of this invention.

[0071] If a user needs to change the first contract to the second contract, the contract change method provided in this embodiment of the invention can generate the second contract based on the attribute information of the first and second contracts. That is, it is not necessary to reconstruct the second loan product based on all the attribute information associated with the second contract, and then generate the second contract based on the second loan product, thereby improving the efficiency of the change process.

[0072] The device provided in the embodiments of the present invention will now be described with reference to the accompanying drawings.

[0073] Please see Figure 3 Based on the same inventive concept, one embodiment of the present invention provides a contract modification device 300, which can realize... Figure 1 The process is illustrated. The contract modification device 300 includes a receiving module 301, an acquiring module 302, a verification module 303, and a contract generation module 304. The receiving module 301 receives a business modification instruction requesting the modification of a first contract into a second contract. The acquiring module 302 acquires first attribute information of the first contract, including first product information and first interest rate information. The verification module 303 verifies the first contract based on second attribute information, including second product information and second interest rate information of the second contract. The contract generation module 304 generates a second contract based on the second attribute information and the first contract when the first contract passes verification.

[0074] Optionally, after generating the second contract based on the second attribute information and the first contract, the contract generation module 304 is further configured to: determine the second chart of accounts segment value of the second contract; generate a second accounting type based on the second chart of accounts segment value and the second product information, wherein the second accounting type is used to determine the account information of the second contract; and change the account information of the first contract to the account of the second contract based on the second accounting type.

[0075] Optionally, after generating the second contract based on the second attribute information and the first contract, the contract generation module 304 is further configured to: determine the second chart of accounts segment value of the second contract; generate a second accounting type based on the second chart of accounts segment value and the second product information, wherein the second accounting type is used to determine the account information of the second contract; and change the account information of the first contract to the account of the second contract based on the second accounting type.

[0076] Optionally, the verification module 303 verifies the first contract based on the second attribute information of the second contract as follows: If the verification module 303 determines that M sub-information belongs to N sub-information, and the values ​​corresponding to the same sub-information in the M sub-information and N sub-information are located in the value set corresponding to the same sub-information, the verification module 303 continues to determine whether the first interest rate indicated by the first interest rate information is consistent with the second interest rate indicated by the second interest rate information. If the first interest rate and the second interest rate are consistent, the first contract is determined to have passed the verification.

[0077] Optionally, the verification module 303 verifies the first contract based on the second attribute information of the second contract, including: if the verification module 303 determines that M sub-information does not belong to N sub-information, or if the verification module 303 determines that the value corresponding to the same sub-information in the M sub-information and N sub-information does not belong to the value set corresponding to the same sub-information, the verification module 303 outputs a prompt message indicating that the verification failed.

[0078] Optionally, after the contract generation module 304 generates the second contract based on the second attribute information and the first contract, the contract generation module 304 is further configured to: assign values ​​to some or all of the attribute information in the second attribute information of the second contract to verify whether the second contract has been correctly modified.

[0079] Optionally, the contract generation module 304 is also used for:

[0080] Obtain the first accounting information of the first contract, which includes a first accounting check list and a first chart of accounts segment value list. The first accounting check list includes multiple accounting check items, each corresponding to a first chart of accounts segment value. For a chart of accounts segment value, receive an accounting type change instruction, which indicates the accounting conditions. Obtain the accounting conditions according to the instruction, and generate a second chart of accounts segment value based on the first chart of accounts segment value and the accounting conditions.

[0081] Optionally, the verification module 303 is further configured to: for the first sub-information among the M sub-information pieces, after verifying the first sub-information, generate and save a verification record. This verification record is used to indicate that the first sub-information has been verified.

[0082] Optionally, the verification module 303 is further configured to: receive an input verification instruction, which instructs the first contract to be re-verified based on the second attribute information; obtain the last saved verification record, and verify the remaining sub-information starting from the last verification record. The last verification record indicates the last sub-information that has been verified.

[0083] Contract modification device 300 can be used to execute Figure 1The method provided in the illustrated embodiment is, for example, the aforementioned electronic device. Therefore, regarding the functions that each functional module in the contract change device 300 can perform, please refer to... Figure 1 The corresponding descriptions in the illustrated embodiments will not be repeated here.

[0084] Please see Figure 4 Based on the same inventive concept, one embodiment of the present invention provides an electronic device 400, which can realize... Figure 1 The process is shown. The electronic device 400 includes at least one processor 401 and a memory 402 communicatively connected to the at least one processor 401, which executes a computer program to implement the aforementioned method for any contract modification.

[0085] At least one processor 401 can be used to receive a service change instruction, which requests to change a first contract to a second contract; obtain first attribute information of the first contract, and verify the first contract based on second attribute information, wherein the first attribute information includes first product information and first interest rate information of the first contract, and the second attribute information includes second product information and second interest rate information of the second contract. If the verification of the first contract by the electronic device 400 passes, at least one processor 401 generates a second contract based on the second attribute information and the first contract.

[0086] Electronic device 400 can be used to perform Figure 1 The method provided in the illustrated embodiment is, for example, the aforementioned electronic device. Therefore, regarding the functions that each functional module in this electronic device 400 can achieve, please refer to... Figure 1 The corresponding descriptions in the illustrated embodiments will not be repeated here.

[0087] This invention also provides a computer storage medium, wherein the computer storage medium stores computer instructions, which, when executed on a computer, cause the computer to perform actions such as... Figure 1 The method described.

[0088] This invention also provides a computer program product, comprising: computer program code, which, when executed on a computer, causes the computer to perform actions such as... Figure 1 The method described.

[0089] Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the above-described division of functional modules is used as an example. In practical applications, the above functions can be assigned to different functional modules as needed, that is, the internal structure of the device can be divided into different functional modules to complete all or part of the functions described above. The specific working process of the system, device, and unit described above can be referred to the corresponding process in the foregoing method embodiments, and will not be repeated here.

[0090] In the several embodiments provided by this invention, it should be understood that the disclosed apparatus and methods can be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative. For instance, the division of modules or units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be through some interfaces; the indirect coupling or communication connection between apparatuses or units may be electrical, mechanical, or other forms.

[0091] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0092] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0093] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) or processor to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned storage medium includes: Universal Serial Bus flash disks, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, optical disks, and other media capable of storing program code.

[0094] Obviously, those skilled in the art can make various modifications and variations to this invention without departing from its scope. Therefore, if these modifications and variations fall within the scope of the claims of this invention and their equivalents, this invention also intends to include these modifications and variations.

Claims

1. A contract change method characterized by comprising: include: Receive a business change instruction, the business change instruction being used to request a change from the first contract to the second contract; The loan product corresponding to the first contract is different from the loan product corresponding to the second contract; Obtain the first attribute information of the first contract, the first attribute information including the first product information of the first contract and the first interest rate information of the first contract; The first contract is verified based on the second attribute information, which includes the second product information and the second interest rate information of the second contract. If the verification of the first contract passes, the second contract is generated based on the second attribute information and the first contract; The first product information includes M sub-information items, where each sub-information item corresponds to a value. The second product information includes N sub-information items, where each sub-information item corresponds to a set of values. The first contract is validated based on the second attribute information of the second contract, including: If it is determined that the M sub-information belongs to the N sub-information, and the values ​​corresponding to the same sub-information in the M sub-information and the N sub-information are located in the value set corresponding to the same sub-information; Determine whether the first interest rate indicated by the first interest rate information is consistent with the second interest rate indicated by the second interest rate information; If the first interest rate and the second interest rate are the same, then the first contract verification is deemed successful. The method further includes: receiving an input verification instruction, the verification instruction instructing the first contract to be re-verified based on the second attribute information; obtaining the last saved verification record, and verifying the remaining sub-information starting from the last verification record, wherein the last verification record indicates the last sub-information that has been verified. The step of verifying the first contract based on the second attribute information further includes: if the verification fails, obtaining the product component corresponding to the second product information, assembling the second product based on the product component, and generating the second contract based on the second product.

2. The method of claim 1, wherein, After generating the second contract based on the second attribute information and the first contract, the method further includes: Determine the value of the second chart of accounts segment for the second contract, and generate a second accounting type based on the value of the second chart of accounts segment and the second product information. The second accounting type is used to determine the account information of the second contract. The account information of the first contract is changed to the account of the second contract according to the second accounting type, wherein the account information of the second contract is determined according to the accounting type.

3. The method as described in claim 1, characterized in that, The method further includes: If it is determined that the M sub-information pieces do not belong to the N sub-information pieces, or if it is determined that the values ​​corresponding to the same sub-information pieces among the M sub-information pieces and the N sub-information pieces do not belong to the value set corresponding to the same sub-information pieces, a prompt message is output, indicating that the verification has failed.

4. The method according to any one of claims 1-3, characterized in that, After generating the second contract based on the second attribute information and the first contract, the method further includes: Values ​​are assigned to some or all of the attribute information in the second attribute information of the second contract, and the assignment is used to verify whether the second contract has been correctly changed.

5. The method as described in claim 2, characterized in that, Determining the value of the second chart of accounts segment for the second contract includes: Obtain the first accounting information of the first contract. The first accounting information includes a first accounting check list and a first accounting chart segment value list. The first accounting check list includes multiple accounting check items that correspond to the first accounting chart segment values ​​respectively. For a given chart of accounts segment value, receive an accounting type change instruction, the accounting type change instruction indicating accounting conditions; The second accounting subject table segment value is generated based on the first accounting subject table segment value and the accounting conditions.

6. The method as described in claim 1 or 3, characterized in that, The method further includes: For the first sub-information among the M sub-information, after the first sub-information has been verified, a verification record is generated and saved. The verification record is used to indicate that the first sub-information has been verified.

7. A contract modification device, characterized in that, include: A receiving module is used to receive a business change instruction, wherein the business change instruction is used to request the change of the first contract to the second contract; The loan product corresponding to the first contract is different from the loan product corresponding to the second contract; The acquisition module is used to acquire the first attribute information of the first contract, wherein the first attribute information includes the first product information and the first interest rate information; The verification module is used to verify the first contract based on the second attribute information, which includes the second product information and the second interest rate information of the second contract. The contract generation module is used to generate the second contract based on the second attribute information and the first contract when the first contract passes the verification. The first product information includes M sub-information items, where each sub-information item corresponds to a value. The second product information includes N sub-information items, where each sub-information item corresponds to a set of values. The verification module is specifically used for: If it is determined that the M sub-information belongs to the N sub-information, and the values ​​corresponding to the same sub-information in the M sub-information and the N sub-information are located in the value set corresponding to the same sub-information; Determine whether the first interest rate indicated by the first interest rate information is consistent with the second interest rate indicated by the second interest rate information; If the first interest rate and the second interest rate are the same, then the first contract verification is deemed successful. The verification module is further configured to: receive an input verification instruction, the verification instruction instructing the first contract to be re-verified based on the second attribute information; obtain the last saved verification record, and verify the remaining sub-information starting from the last verification record, wherein the last verification record indicates the last sub-information that has been verified. The verification module is further configured to: if the verification fails, obtain the product component corresponding to the second product information, assemble the second product based on the product component, and generate the second contract based on the second product.

8. The apparatus as claimed in claim 7, characterized in that, The contract generation module is also used for: Determine the value of the second chart of accounts segment for the second contract, and generate a second accounting type based on the value of the second chart of accounts segment and the second product information. The second accounting type is used to determine the account information of the second contract. The account information of the first contract is changed to the account of the second contract according to the second accounting type, wherein the account information of the second contract is determined according to the accounting type.

9. An electronic device, characterized in that, include: Memory, used to store program instructions; A processor is configured to invoke program instructions stored in the memory and execute the method as described in any one of claims 1-6 according to the obtained program instructions.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program, the computer program including program instructions that, when executed by a computer, cause the computer to perform the steps of the method as described in any one of claims 1-6.

11. A computer program product, characterized in that, The computer program product includes: computer program code, which, when run on a computer, causes the computer to perform the steps of the method as described in any one of claims 1-6.

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