Method and device for processing suspense funds, storage medium and electronic equipment

Abstract

The application discloses a kind of processing method, device, storage medium and electronic equipment of account funds, it is related to the technical field of financial technology field technical field, wherein, the method comprises: in the target financial institution's fund account of agent, according to account query parameter, obtain account list one;According to target transaction code, screening is carried out from account list one, obtain account list two, wherein, account list two is used to carry out fund backout;The fund receiving identification number and fund receiving account number of each account in account list two are obtained;According to the fund receiving identification number and fund receiving account number of each account, the fund backout processing of corresponding account in account list two is carried out.The application solves the technical problems, such as low clearing efficiency, in the related art, in the financial institution, for a large number of agent fund business of account funds due to the abnormality of the collection account, using manual clearing mode.

Description

Technical Field

[0001] This invention relates to the field of financial technology, and more specifically, to a method, apparatus, storage medium, and electronic device for processing outstanding funds. Background Technology

[0002] Due to reasons such as abnormal account status of recipients, the bulk payroll disbursement service generates a large number of unsuccessful disbursement transactions every day. The unsuccessful disbursement funds are held in internal bank accounts, resulting in problems such as large outstanding amounts, long outstanding periods, and incomplete reconciliation.

[0003] In related technologies, the funds in pending accounts that have failed to be successfully disbursed are cleared manually. This method is labor-intensive, prone to errors, and poses a significant risk to fund security.

[0004] There is currently no effective solution to the above problems. Summary of the Invention

[0005] This invention provides a method, apparatus, storage medium, and electronic device for processing outstanding funds, to at least solve the technical problem in the related art where financial institutions use manual clearing methods for outstanding funds in cases of large amounts of payouts due to abnormal receiving accounts, resulting in low clearing efficiency.

[0006] According to one aspect of the present invention, a method for processing outstanding funds is provided, comprising: obtaining an outstanding account list one from the payroll accounts of a target financial institution based on outstanding account query parameters; filtering the outstanding account list one based on a target transaction code to obtain an outstanding account list two, wherein the outstanding account list two is used for fund return; obtaining a fund receiving identifier and a fund receiving account number for each outstanding account in the outstanding account list two, wherein the fund receiving identifier is the identifier of the financial institution receiving the outstanding funds in the outstanding account, and the fund receiving account number is a fund transaction account within the financial institution used to receive the outstanding funds in the outstanding account; and performing fund return processing on the corresponding outstanding account in the outstanding account list two based on the fund receiving identifier and fund receiving account number of each outstanding account.

[0007] Further, the step of obtaining the fund receiving identifier and fund receiving account number for each accrued account in the second list of accrued accounts includes: in the parameter table of the fund disbursement account, querying the parameters of the fund receiving identifier and fund receiving account number corresponding to each accrued account in the second list of accrued accounts; if the parameters of the fund receiving identifier and fund receiving account number corresponding to each accrued account are found, determining the fund receiving identifier and fund receiving account number corresponding to each accrued account based on the parameters of the fund receiving identifier and fund receiving account number; if the parameters of the fund receiving identifier and fund receiving account number corresponding to each accrued account are not found, using the source identifier of the accrued funds of each accrued account as the fund receiving identifier of each accrued account, and using the source transaction account of the accrued funds of each accrued account as the fund receiving account number of each accrued account.

[0008] Furthermore, the step of processing fund refunds to the corresponding accounts in the second list of accounts based on the fund receiving identifier and fund receiving account of each account includes: determining whether the fund receiving identifier of each account is the identifier of the target financial institution; if the fund receiving identifier of the account is the identifier of the target financial institution, processing fund refunds to the corresponding account based on the fund receiving account through the intra-bank transfer interface of the target financial institution; if the fund receiving identifier of the account is not the identifier of the target financial institution, processing fund refunds to the corresponding account based on the identifier of the financial institution of the fund receiving account through the interbank payment system interface.

[0009] Furthermore, before processing the fund refund for the corresponding accounts in the second list of accounts based on the fund receiving identifier and fund receiving account of each outstanding account, the process further includes: determining the list type of the second list of accounts, wherein the list type includes at least one of the following: whitelist type, non-whitelist type, wherein the business status of each outstanding account in the whitelist type is not overdue, and each outstanding account in the non-whitelist type is an outstanding account that needs to be reviewed and adjusted; if the list type of the second list of accounts is whitelist type, determining the number of outstanding days for each outstanding account in the second list of accounts, and displaying outstanding accounts that have not exceeded the allowed number of outstanding days in the report; if the list type of the second list of accounts is non-whitelist type, reviewing and adjusting the fund receiving identifier and fund receiving account of each outstanding account.

[0010] Furthermore, the step of processing fund refunds for the corresponding accounts in the second list of accounts based on the fund receiving identifier and fund receiving account of each account further includes: if the list type of the second list of accounts is a whitelist, determining whether the number of days of the account's outstanding balance exceeds the allowed number of days; if there is a target account one whose outstanding balance exceeds the allowed number of days, reviewing and adjusting the fund receiving identifier and fund receiving account of the target account one, and processing fund refunds for the target account one based on the adjusted fund receiving identifier and fund receiving account; if there is a target account two whose outstanding balance does not exceed the allowed number of days, determining whether the outstanding fund balance of the target account two on the target date is zero; if the outstanding fund balance of the target account two on the target date is zero, deleting the target account two from the second list of accounts.

[0011] Furthermore, before processing the fund return for the corresponding accounts in the second list of accounts based on the fund receiving identifier and fund receiving account of each account, the process also includes: determining the number of outstanding funds for each outstanding record under each outstanding account in the second list of accounts; if there are multiple outstanding funds in the target outstanding record, then adjusting it into multiple outstanding records based on the target outstanding record.

[0012] Further, the step of filtering from the first list of outstanding accounts based on the target transaction code to obtain the second list of outstanding accounts includes: obtaining the transaction details of each outstanding account in the first list of outstanding accounts, wherein the transaction details are the fund transaction records of each outstanding account in the first list of outstanding accounts during the target time period; filtering the outstanding accounts in the transaction details that have the transaction code of the target transaction code to obtain the transaction amount of outstanding account one, wherein outstanding account one is an outstanding account where the fund disbursement was unsuccessful; filtering the outstanding accounts in the transaction details that have the transaction code of the target transaction code to obtain the transaction amount of outstanding account two, wherein outstanding account two is an outstanding account where the fund disbursement was unsuccessful and the transaction funds have been returned to the target financial institution; and determining the outstanding accounts in the first list of outstanding accounts where the fund disbursement was unsuccessful and the fund disbursement has been returned based on the transaction amount of outstanding account two and the transaction amount of outstanding account one, thus obtaining the second list of outstanding accounts.

[0013] According to another aspect of the present invention, an apparatus for processing outstanding funds is also provided, comprising: a first acquisition unit, configured to acquire an outstanding account list one from the payroll accounts of a target financial institution based on outstanding account query parameters; a filtering unit, configured to filter from the outstanding account list one based on a target transaction code to obtain an outstanding account list two, wherein the outstanding account list two is used for fund return; a second acquisition unit, configured to acquire a fund receiving identifier and a fund receiving account number for each outstanding account in the outstanding account list two, wherein the fund receiving identifier is the identifier of the financial institution receiving the outstanding funds in the outstanding account, and the fund receiving account number is a fund transaction account number within the financial institution, used to receive the outstanding funds in the outstanding account; and a processing unit, configured to perform fund return processing on the corresponding outstanding account in the outstanding account list two based on the fund receiving identifier and fund receiving account number of each outstanding account.

[0014] Further, the second acquisition unit includes: a query subunit, used to query the parameters of the fund receiving identifier and the fund receiving account for each outstanding account in the second list of outstanding accounts in the parameter table of the fund disbursement account; a first determination subunit, used to determine the fund receiving identifier and fund receiving account for each outstanding account based on the parameters of the fund receiving identifier and the fund receiving account when the parameters of the fund receiving identifier and the fund receiving account for each outstanding account are found; and a first processing subunit, used to take the source identifier of the outstanding funds of each outstanding account as the fund receiving identifier of each outstanding account and take the source transaction account of the outstanding funds of each outstanding account as the fund receiving account of each outstanding account when the parameters of the fund receiving identifier and the fund receiving account for each outstanding account are not found.

[0015] Furthermore, the processing unit includes: a first judgment subunit, used to determine whether the fund receiving identifier of each pending account is the identifier of the target financial institution; a second processing subunit, used to, when the fund receiving identifier of the pending account is the identifier of the target financial institution, perform fund return processing on the corresponding pending account based on the fund receiving account through the intra-bank transfer interface of the target financial institution; and a third processing subunit, used to, when the fund receiving identifier of the pending account is not the identifier of the target financial institution, perform fund return processing on the corresponding pending account based on the identifier of the financial institution of the fund receiving account through the interbank payment system interface.

[0016] Furthermore, the device for processing outstanding funds also includes: a judgment unit, used to determine the list type of the second outstanding account list based on the fund receiving identifier and fund receiving account number of each outstanding account before processing the fund return for the corresponding outstanding account in the second outstanding account list, wherein the list type includes at least one of the following: whitelist type, non-whitelist type, wherein the business status of each outstanding account in the whitelist type is not overdue, and each outstanding account in the non-whitelist type is an outstanding account that needs to be reviewed and adjusted; a first determination unit, used to determine the number of outstanding days for each outstanding account in the second outstanding account list when the list type of the second outstanding account list is whitelist type, and display the outstanding accounts that have not exceeded the allowed number of outstanding days in the report; and a first adjustment unit, used to review and adjust the fund receiving identifier and fund receiving account number of each outstanding account when the list type of the second outstanding account list is non-whitelist type.

[0017] Furthermore, the processing unit also includes: a second judgment subunit, used to determine whether the number of days of outstanding payments for each outstanding account exceeds the allowed number of days of outstanding payments when the list type of the second outstanding account list is a whitelist; a fourth processing subunit, used to review and adjust the fund receiving identifier and fund receiving account of the target outstanding account if there is a target outstanding account one whose number of days of outstanding payments exceeds the allowed number of days of outstanding payments, and to perform fund return processing on the target outstanding account one based on the adjusted fund receiving identifier and fund receiving account; and a fifth processing subunit, used to determine whether the outstanding fund balance of the target outstanding account two on the target date is zero if there is a target outstanding account two whose number of days of outstanding payments does not exceed the allowed number of days of outstanding payments, and to delete the target outstanding account two from the second outstanding account list if the outstanding fund balance of the target outstanding account two on the target date is zero.

[0018] Furthermore, the device for processing outstanding funds also includes: a second determining unit, used to determine the number of outstanding funds for each outstanding record under each outstanding account in the second outstanding account list before processing the fund return for the corresponding outstanding account in the second outstanding account list based on the fund receiving identifier and fund receiving account of each outstanding account; and a second adjusting unit, used to adjust the outstanding funds into multiple outstanding records if there are multiple outstanding funds in the target outstanding record.

[0019] Further, the filtering unit includes: a first acquisition subunit, used to acquire the transaction details of each suspense account in the first list of suspense accounts, wherein the transaction details are the fund transaction records of each suspense account in the first list of suspense accounts during the target time period; a first filtering subunit, used to filter suspense accounts in the transaction details that have the transaction code of the target transaction code, to obtain the transaction amount of suspense account one, wherein suspense account one is a suspense account where the fund disbursement was unsuccessful; a second filtering subunit, used to filter suspense accounts in the transaction details that have the transaction code of the target transaction code, to obtain the transaction amount of suspense account two, wherein suspense account two is a suspense account where the fund disbursement was unsuccessful and the fund disbursement has been returned to the target financial institution; and a second determination subunit, used to determine, based on the transaction amount of suspense account two and the transaction amount of suspense account one, the suspense accounts in the first list of suspense accounts where the fund disbursement was unsuccessful and the fund disbursement has been returned, to obtain the second list of suspense accounts.

[0020] According to another aspect of the present invention, an electronic device is also provided, including: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to perform the above-described method for processing outstanding funds by executing the executable instructions.

[0021] According to another aspect of the present invention, a computer-readable storage medium is also provided, the computer-readable storage medium including a stored computer program, wherein, when the computer program is running, it controls the device where the computer-readable storage medium is located to perform the above-described method for processing outstanding funds.

[0022] In this invention, based on the outstanding account query parameters, a list of outstanding accounts (List 1) is obtained from the payroll accounts of the target financial institution. Then, based on the target transaction code, a second list of outstanding accounts (List 2) is obtained, which is used for fund return. The fund receiving identifier and fund receiving account number are obtained for each outstanding account in List 2. The fund receiving identifier is the identifier of the financial institution receiving the outstanding funds in the outstanding account, and the fund receiving account number is the fund transaction account within the financial institution used to receive the outstanding funds. Based on the fund receiving identifier and fund receiving account number of each outstanding account, fund return processing is performed on the corresponding outstanding account in List 2. This solves the technical problem in related technologies where financial institutions use manual clearing methods for outstanding funds generated by abnormal receiving accounts, resulting in low clearing efficiency. In this invention, by filtering out pending accounts for fund return processing from the payroll accounts of the target financial institution based on the query parameters, and then returning funds to the pending accounts for fund return processing based on the fund receiving identifier and fund receiving account, the technical effect of improving the clearing efficiency of pending funds is achieved by using automatic clearing of payroll business. Attached Figure Description

[0023] The accompanying drawings, which are included to provide a further understanding of the invention and form part of this application, illustrate exemplary embodiments of the invention and, together with their description, serve to explain the invention and do not constitute an undue limitation thereof. In the drawings:

[0024] Figure 1 This is a flowchart of an optional method for processing outstanding funds according to an embodiment of the present invention;

[0025] Figure 2 This is a flowchart of an optional method for determining the account for the return of outstanding funds according to an embodiment of the present invention;

[0026] Figure 3 This is a flowchart of an optional device for processing outstanding funds according to an embodiment of the present invention;

[0027] Figure 4 This is a schematic diagram of an optional electronic device according to an embodiment of the present invention. Detailed Implementation

[0028] To enable those skilled in the art to better understand the present invention, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings of the embodiments of the present invention. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort should fall within the scope of protection of the present invention.

[0029] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this invention are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of the invention described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover a non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0030] It should be noted that the method and apparatus for processing outstanding funds in this disclosure can be used in the financial technology field for the return of outstanding funds, and can also be used in any field other than the financial technology field for processing outstanding funds. This disclosure does not limit the application field of the method and apparatus for processing outstanding funds.

[0031] It should be noted that all information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for display, data used for analysis, etc.) involved in this disclosure are information and data authorized by the user or fully authorized by all parties. For example, this system has an interface with relevant users or organizations. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or organization through the interface, and obtain the relevant information after receiving consent information from the aforementioned user or organization.

[0032] This invention can be applied to various software products, control systems, and client-side applications (including but not limited to mobile clients, PCs, etc.) of financial institutions for processing outstanding funds. Taking software products as an example, the invention demonstrates that through software products installed on mobile clients, financial institutions can realize their business functions (including but not limited to: transfers, wealth management, funds, bill payments, account inquiries, advertising, recommendations, etc.).

[0033] The present invention will be further illustrated below with reference to various embodiments.

[0034] Example 1

[0035] According to an embodiment of the present invention, an optional method for processing outstanding funds is provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0036] Figure 1 This is a flowchart of an optional method for processing outstanding funds according to an embodiment of the present invention, such as... Figure 1 As shown, the method includes the following steps:

[0037] Step S101: In the payroll account of the target financial institution, obtain the first list of accounts to be held in accordance with the account inquiry parameters.

[0038] The aforementioned payroll account can be an internal payroll account established by the target financial institution for the payroll agency (e.g., an internal payroll account), which can be used to record business data of payroll transactions. The aforementioned list of outstanding accounts can include outstanding accounts where payroll transactions failed due to abnormal payee accounts. The aforementioned outstanding account query parameters can be the outstanding account balance, whether it is a whitelisted account (i.e., including accounts with allowed outstanding periods), and whether manual verification is required. Based on the outstanding account query parameters, the list of outstanding accounts can be obtained from the payroll account of the target financial institution.

[0039] Step S102: Based on the target transaction code, filter from the first list of pending accounts to obtain the second list of pending accounts, which is used for fund return.

[0040] The aforementioned target transaction code is used to filter out accounts from the list of pending accounts where the fund disbursement was unsuccessful and the funds have been returned to the pending account of the target financial institution after the fund disbursement was unsuccessful.

[0041] The aforementioned second list of outstanding accounts may include multiple lists of outstanding accounts, which may be a list of ordinary outstanding accounts (list of outstanding accounts that need to be processed immediately by the system), a list of whitelisted outstanding accounts (list of outstanding accounts that can be outstanding at the target financial institution for a certain period of time), and a list of forced settlement outstanding accounts (list of outstanding accounts that need to be manually reviewed and adjusted). Each outstanding account list in the second list of outstanding accounts may be further divided into a list of outstanding accounts with one fund disbursement and a list of outstanding accounts with multiple fund disbursements. It should be noted that: each outstanding account may have one outstanding record, and the list of outstanding accounts with multiple fund disbursements may have one outstanding record including multiple outstanding funds.

[0042] Step S103: Obtain the fund receiving identifier and fund receiving account number for each account in the second list of accounts. The fund receiving identifier is the identifier of the financial institution receiving the funds in the account, and the fund receiving account number is the fund transaction account number within the financial institution, used to receive the funds in the account.

[0043] The aforementioned fund receiving identifier is the identifier of the financial institution receiving the funds in the accrued account. It can be used to indicate the financial institution that will return the funds after the target financial institution fails to complete the fund disbursement business. The fund receiving account can be a fund transaction account within the financial institution, that is, an account within the financial institution used to specify the fund disbursement to be returned.

[0044] Step S104: Based on the fund receiving identifier and fund receiving account number of each outstanding account, process the fund return for the corresponding outstanding account in the second outstanding account list.

[0045] For each accrued account in the second list of accrued accounts, funds can be returned based on the corresponding fund receiving identifier and fund receiving account number. It should be noted that manual review can be performed before the funds are returned. After the funds are returned successfully, the accrued account can be cleared, indicating that the funds disbursed to that accrued account have been returned.

[0046] The above steps address the technical problem of low settlement efficiency in financial institutions dealing with large amounts of outstanding funds due to abnormal receiving accounts, where manual settlement is often used. In this embodiment, outstanding accounts awaiting fund return are selected from the target financial institution's outstanding fund accounts based on query parameters. Funds are then returned to these accounts based on the fund receiving identifier and account number. This achieves the technical effect of automatically settling outstanding funds in outstanding fund transactions, thus improving settlement efficiency.

[0047] Figure 2 This is a flowchart of an optional method for determining the account for the return of outstanding funds according to an embodiment of the present invention. The following is in conjunction with... Figure 2 In this embodiment, the steps for obtaining the fund receiving identifier and fund receiving account number of each account in the second list of outstanding accounts are explained.

[0048] To avoid inefficiency in determining the return account for outstanding funds, this embodiment of the application further specifies the following steps for obtaining the fund receiving identifier and fund receiving account number for each outstanding account in the second list of outstanding accounts:

[0049] Step S201: In the parameter table of the fund disbursement account, for each account in the second list of accounts, query the parameters of the fund receiving identifier and the fund receiving account corresponding to each account.

[0050] Step S202: After querying the parameters of the fund receiving identifier and the fund receiving account corresponding to each pending account, determine the fund receiving identifier and the fund receiving account corresponding to each pending account based on the parameters of the fund receiving identifier and the fund receiving account.

[0051] Step S203: If the parameters of the fund receiving identifier and the fund receiving account corresponding to each pending account are not found, the source identifier of the pending funds of each pending account is used as the fund receiving identifier of each pending account, and the source transaction account of the pending funds of each pending account is used as the fund receiving account of each pending account.

[0052] For example, you can query the unsuccessful fund deposit account field (corresponding to the above-mentioned fund receiving account parameter) and the unsuccessful fund deposit line number field (corresponding to the above-mentioned fund receiving identifier number parameter) in the internal payroll account parameter table (corresponding to the above-mentioned fund deposit account parameter table). If these two fields exist in the parameter table, and the pending account is not an account that requires manual verification, you can directly determine the fund return receiving account (corresponding to the above-mentioned fund receiving account) and receiving line number (corresponding to the above-mentioned fund receiving identifier number).

[0053] If these two fields exist in the parameter table, that is, if the parameters for the fund receiving identifier and the fund receiving account corresponding to each pending account are not found, the source identifier of the pending funds for each pending account can be used as the fund receiving identifier of each pending account, based on the uniqueness of the source of the pending funds for each pending account. The source transaction account of the pending funds for each pending account can be used as the fund receiving account of each pending account, thus achieving the technical effect of quickly and accurately determining the fund return account.

[0054] To improve the efficiency of fund return for outstanding accounts, this embodiment further specifies the following steps for processing fund return for the corresponding outstanding accounts in the second list of outstanding accounts based on the fund receiving identifier and fund receiving account number of each outstanding account: determining whether the fund receiving identifier of each outstanding account is the identifier of the target financial institution; if the fund receiving identifier of the outstanding account is the identifier of the target financial institution, processing the fund return for the corresponding outstanding account based on the fund receiving account number through the intra-bank transfer interface of the target financial institution; if the fund receiving identifier of the outstanding account is not the identifier of the target financial institution, processing the fund return for the corresponding outstanding account based on the identifier of the financial institution of the fund receiving account number through the interbank payment system interface.

[0055] In this embodiment, based on the fund receiving identifier and fund receiving account number of each outstanding account, the outstanding accounts in the second outstanding account list are processed for fund return. The fund receiving identifier can also be used to determine if it corresponds to the target financial institution. If the fund receiving identifier is the target financial institution (i.e., the financial institution receiving the returned funds is the same one currently processing the fund return), the outstanding funds in the corresponding outstanding account can be returned directly through the target financial institution's intra-bank transfer interface without needing the fund receiving identifier, based solely on the fund receiving account number. If the fund receiving identifier is not the target financial institution (i.e., the financial institution receiving the returned funds is not the same one currently processing the fund return), the fund return can be processed through the target financial institution's interbank payment system interface by sending a message, based on the identifier of the financial institution receiving the fund receiving account number. This achieves the technical effect of improving the efficiency of outstanding fund return.

[0056] To improve the processing efficiency of whitelisted accounts permitted by the target financial institution, in this embodiment, before processing the fund return for the corresponding accounts in the second list of accounts based on the fund receiving identifier and fund receiving account number of each account, the following steps are also included: determining the list type of the second list of accounts, wherein the list type includes at least one of the following: whitelist type, non-whitelist type, where the business status of each account in the whitelist type is not overdue, and each account in the non-whitelist type is an account that needs to be reviewed and adjusted; if the list type of the second list of accounts is whitelist type, determining the number of days of the outstanding balance for each account in the second list of accounts, and displaying the accounts that have not exceeded the allowed number of days of outstanding balance in the report; if the list type of the second list of accounts is non-whitelist type, reviewing and adjusting the fund receiving identifier and fund receiving account number for each account.

[0057] The list types mentioned above can include whitelist type and non-whitelist type. In the whitelist type, each outstanding account has a business status of not overdue, while in the non-whitelist type, each outstanding account is an outstanding account that needs to be reviewed and adjusted. The list types mentioned above can also include ordinary type. The ordinary type of outstanding account list can include whitelist type outstanding accounts with outstanding periods, as well as outstanding accounts that do not require manual review.

[0058] When the list type of the second list of accounts is whitelist, the number of days of the account can be determined for each account in the second list of accounts. The report will display the accounts that have not exceeded the allowed number of days of the account, thus achieving the technical effect of precise management of the accounts in the list.

[0059] If the list type of the second list of outstanding accounts is not a whitelist, the fund receiving identifier and fund receiving account of each outstanding account can be reviewed and adjusted. Based on factors such as the fund receiving account, the physical branch to which the fund receiving account belongs, and the bank that administers the fund receiving account, outstanding accounts in the second list that meet the filtering criteria can be viewed individually or in batches. The operator can click on the outstanding account to view the historical transaction details from T-5 to T day. Based on the account details and the actual situation, the operator manually reviews the fund receiving account, fund receiving identifier, and the amount of funds to be returned. The operator can manually enter the content to be adjusted and submit it for review. After the reviewer confirms that everything is correct, they can click "confirm" to proceed with the transfer or send a message (i.e., fund return processing). If there are errors in the review, the application can be returned to the operator for modification and resubmission. After confirming that the transfer or message has been successfully sent (i.e., fund return is successful), the business status of the outstanding account after successful fund return can be changed to "refund successful." If communication failures or other issues occur during the fund return process, making it impossible to obtain the business processing results, the business status can be set to suspicious. If the handler finds that the funds do not need to be returned, they can click "settlement" on the corresponding accrued account, and the reviewer can then change the processing status to "settled".

[0060] To improve the efficiency of refunding outstanding funds for whitelisted accounts, in this embodiment, the step of refunding funds to the corresponding accounts in the second list of outstanding accounts based on the fund receiving identifier and fund receiving account of each outstanding account is further defined as follows: When the list type of the second list of outstanding accounts is whitelist, the outstanding days of each outstanding account are used to determine whether the outstanding days exceed the allowed outstanding days; if there is a target outstanding account one whose outstanding days exceed the allowed outstanding days, the fund receiving identifier and fund receiving account of target outstanding account one are reviewed and adjusted, and the funds are refunded to target outstanding account one based on the adjusted fund receiving identifier and fund receiving account; if there is a target outstanding account two whose outstanding days do not exceed the allowed outstanding days, it is determined whether the outstanding fund balance of target outstanding account two on the target date is zero; if the outstanding fund balance of target outstanding account two on the target date is zero, target outstanding account two is deleted from the second list of outstanding accounts.

[0061] In this embodiment, since the business status of the accounts in the second list of whitelisted accounts is not overdue, they may not be immediately displayed in the report on the pending interface after they are generated. They need to be judged based on the allowed number of days of outstanding balance. If there is an account whose current outstanding balance is greater than or equal to the allowed number of days, that is, if there is a target account (Account 2) whose outstanding balance does not exceed the allowed number of days, it can be manually confirmed (corresponding to the above-mentioned review and adjustment). The fund receiving identifier and fund receiving account number of each account in Target Account 2 can be reviewed and adjusted. The operator can modify the fund receiving account number, fund receiving identifier, fund receiving institution name, and fund return amount based on their judgment. After modification, it is submitted for review and approval. If the review and approval are correct, fund return processing can be performed, automatically setting the adjusted account to "unsuccessful fund return" (can be modified). If there is an error in the review, it can be returned to the operator for modification and resubmission. After confirming successful fund refund, the business status of the corresponding accrued account can be changed to "Refund Successful." If system communication failures or other issues occur during the fund refund process, preventing the acquisition of the business processing result, the business status of the corresponding accrued account can be marked as "Suspicious" for subsequent review. If the administrator finds that the accrued funds in the accrued account do not need to be refunded, the account can be "Settled," and the reviewer will then change the business status to "Settled."

[0062] It should be noted that before manual confirmation, the outstanding balance of the outstanding account on the target date can be checked again (it can be yesterday's balance or any time before the current date). If it is zero, the coupon can be automatically settled and the outstanding account can be deleted from the outstanding account list. If it is not zero, the business status of the outstanding account with a non-zero outstanding balance on the target date can be changed to pending processing and displayed in the report on the pending processing interface.

[0063] If there is a target account two whose outstanding balance does not exceed the allowed outstanding balance, it can also be determined whether the outstanding balance of target account two on the target date is zero. If the outstanding balance of target account two on the target date is zero, the account can be settled. After review by the reviewer, the business status will be changed to settled and the settlement record will be saved. Target account two can be deleted from the outstanding account list two, which achieves the technical effect of improving the efficiency of returning outstanding funds to whitelisted accounts.

[0064] To avoid situations where multiple pending funds exist within a single pending account record, leading to unsuccessful fund refunds, this embodiment of the application, before processing fund refunds for the corresponding pending accounts in the second pending account list based on the fund receiving identifier and fund receiving account number of each pending account, also defines the following: determining the number of pending funds for each pending account record under each pending account in the second pending account list; if multiple pending funds exist in the target pending account record, adjusting it to multiple pending accounts based on the target pending account record.

[0065] In this embodiment, the operator manually determines the counterparty information and amount of funds to be returned based on account details and actual circumstances, manually enters the information, and clicks "confirm" to submit for review and approval. For cases where there is only one record in the list but multiple returns are required (i.e., a single outstanding record under an outstanding account contains multiple outstanding funds), the operator can click "add" in the modification interface to add one or more records before submitting. The reviewer can also review the adjusted multiple outstanding records. After verification, clicking "confirm" allows for fund transfer or message issuance (for fund return processing), and the system automatically sets the summary to "Unsuccessful Fund Transfer Return" (can be modified). If there are errors in the review, the case can be returned to the operator for modification and resubmission. Once the system detects a successful transfer or message issuance, the business status can be changed to "Refund Successful." If communication failures or other problems occur during the transfer or message issuance process, preventing the acquisition of business processing results, the business status will be set to "Suspicious." When a list contains only one record and multiple returns are made, if one of the returns is found to be suspicious, the entire list and the returned record are marked as suspicious, while the remaining successful returns are marked as successful refunds. This achieves the technical effect of improving the success rate of fund return.

[0066] To avoid situations where funds are returned before successful disbursement and the funds have been returned to the target financial institution, this embodiment further specifies the following steps for obtaining a second list of accrued accounts by filtering from the first list of accrued accounts based on the target transaction code: Obtaining the transaction details for each accrued account in the first list of accrued accounts, where the transaction details are the fund transaction records of each accrued account in the first list of accrued accounts during the target time period; filtering the accrued accounts in the transaction details that have the transaction code of the target transaction code to obtain the transaction amount of accrued account one, where accrued account one is the accrued account where the disbursement was unsuccessful; filtering the accrued accounts in the transaction details that have the transaction code of the target transaction code to obtain the transaction amount of accrued account two, where accrued account two is the accrued account where the disbursement was unsuccessful and the transaction funds have been returned to the target financial institution; and determining the accrued accounts in the first list of accrued accounts where the disbursement was unsuccessful and the disbursement funds have been returned based on the transaction amount of accrued account two and the transaction amount of accrued account one, thus obtaining the second list of accrued accounts.

[0067] For example: To query the outstanding funds for unsuccessful payouts (corresponding to the transaction funds of outstanding account one mentioned above), take the accounts in the outstanding account list one, and query the transaction details (corresponding to the transaction details records mentioned above) for each outstanding account in the outstanding account list one from T-5 (current date is day T) to day T (working day) (corresponding to the target time period mentioned above) one by one. Filter the credit amounts for transaction codes 71050 and 2829 (corresponding to the target odd / even codes mentioned above) (corresponding to the transaction funds mentioned above). This amount is the outstanding funds of the outstanding account for the unsuccessful payouts of this account.

[0068] To query the funds transferred in on behalf of others (corresponding to the transaction amount of the second accrued account mentioned above): Take the accounts in List 1 and query the transaction details of each account in the host system from T-5 (current date is T day) to T day (working day). Filter the credit amounts for transactions with transaction codes other than 71050 and 2829. This amount is the funds transferred in on behalf of others for that account.

[0069] Based on the transaction amount of Account 2 and Account 1, the accounts in Account 1 whose fund disbursements were unsuccessful and have been returned are identified, resulting in Account 2. This achieves the technical effect of ensuring the accuracy of the return of target financial funds and reducing the probability of errors.

[0070] The invention will be further illustrated below with reference to another optional embodiment.

[0071] Example 2

[0072] This application provides another optional method for processing outstanding funds, which can be used to automatically process outstanding funds in the internal payroll accounts of target financial institutions. By relying on big data automatic tracing of fund details, the outstanding funds in the internal payroll accounts can be automatically cleared and returned, thereby quickly releasing unnecessary manpower consumption, reducing personnel pressure, and reducing the probability of errors caused by a large number of manual operations.

[0073] The parameter management part of the method for processing outstanding funds in this application embodiment will be described below.

[0074] 1. Table 1 is the user management parameter table. The target financial institution's fund disbursement processing system can appoint two system administrators. These system administrators access the personnel management module to configure roles and personnel. System administrators have maintenance permissions for this parameter table. Two system administrators, designated as "handler" and "reviewer," are assigned to manage the business operators.

[0075] Table 1

[0076] Field Name Remark Personnel Name Unified Personnel Authentication Number Role Personnel in charge Reviewers Update date … …

[0077] 2. Table 2 is the parameter table for internal payroll accounts, used for maintaining internal payroll accounts that require automated processing. Only tellers at branch 205 (the payroll processing branch) have this permission. Initially, data is imported in batches by the system; subsequent additions, modifications, and deletions can be performed by a two-person operation involving both the handler and the reviewer.

[0078] Table 2

[0079]

[0080]

[0081] 3. Table 3 is the special account maintenance parameter table. It is used to maintain special accounts such as internal payroll accounts that can be temporarily suspended and payroll accounts that require final processing (manual review). The initial batch is imported by the system, and subsequent additions, modifications, and deletions can be performed by two people: the handler and the reviewer.

[0082] Table 3

[0083]

[0084] The automatic processing procedure for outstanding funds in this embodiment will be described below.

[0085] Step 1: Query the balance of pending accounts: Query the balance of all accounts in the internal payroll account parameter table yesterday, take the accounts whose balance yesterday was not 0, and generate a list of pending accounts with balance (hereinafter referred to as List 1, corresponding to the pending account list one in Implementation Example 1).

[0086] Step 2: Query the outstanding funds for unsuccessful payouts (corresponding to the transaction funds of account one in Example 1): Take the accounts in List 1 and query the transaction details of each account in the host system from T-5 (current date is T day) to T day (working day) (corresponding to the fund transaction records in Example 1). Filter the credit amounts for transactions with transaction codes 71050 and 2829 (corresponding to the target transaction codes in Example 1). This amount is the outstanding funds for unsuccessful payouts of that account.

[0087] Step 3: Query the funds transferred in on behalf of others (corresponding to the transaction amount of the second account in Example 1): Take the accounts in List 1 and query the transaction details of each account in the host system from T-5 (current date is T day) to T day (working day) (corresponding to the target time period in Example 1). Filter the amount of credit transactions where the transaction code is not 71050, 2829. This amount is the funds transferred in on behalf of others for that account.

[0088] Step 4: Determining the Account for Unsuccessful Payroll Disbursements (corresponding to the Fund Receiving Identifier and Account Number in Example 1): Query the "Internal Payroll Account Parameter Table" for unsuccessful fund deposit accounts and unsuccessful fund deposit bank numbers. If these two fields exist in the parameter table, and the account is not a mandatory landing account (no manual review required), then directly determine the fund return receiving account (corresponding to the fund receiving account in Example 1) and receiving bank number (corresponding to the fund receiving identifier in Example 1). For intra-bank accounts, the transaction is directly recorded through the transfer interface (fund return processing); for inter-bank accounts, the transaction is directly sent through the interbank interface. If the internal account is not in the parameters, the following steps are required:

[0089] ① Determine the uniqueness of the source of funds transferred in: Check whether there is only one transaction of the above-mentioned funds transferred in. If there is only one transaction, the system will automatically retrieve the counterparty's name and account number for that transaction and generate a "List of Funds Transferred in Once" (hereinafter referred to as List 2, to be processed according to steps ② and ③). If there is not one transaction, a "List of Funds Transferred in Multiple Times" (hereinafter referred to as List 3, to be processed according to step ④) will be generated.

[0090] ② Inquiry about the receiving account and bank code for unsuccessful fund refunds: Determine the counterparty account in List 2: If the counterparty account is our bank's account, then this account is the credit account for the unsuccessful fund refund and no bank code is needed; if the counterparty account is another bank's account, then this account is the credit account for the unsuccessful fund refund, and the receiving bank code is the original paying bank's bank code, which is used as the receiving bank code for the unsuccessful fund refund.

[0091] ③ Automatic handling of unsuccessful fund return: If the internal account for payroll disbursement is not a mandatory landing account, for the return receiving account that is the target financial institution, the internal transfer interface will be called for accounting processing; for the return receiving account that is not the target financial institution, the interbank payment system interface will be called for reporting processing.

[0092] ④ Inquiry about the receiving account and bank code for unsuccessful fund refunds: For cases with multiple fund transfers in List 3, after manual judgment, select the transfer details and proceed with the following steps as described in ② and ③.

[0093] Step 5: Whitelist Account Processing (corresponding to the processing of whitelist-type pending accounts in Example 1): The processing principle for whitelist accounts is the same as for normal accounts, but no transfers or reports are processed on day T. For funds that require pending fund return processing, a "List of Single Transfers to Whitelist Accounts" (hereinafter referred to as List 4) and a "List of Multiple Transfers to Whitelist Accounts" (hereinafter referred to as List 5) can be generated respectively, and their status can be set to "not overdue". Processing will be carried out after T + the allowed pending days.

[0094] Step 6: Forced Landing Account Processing (corresponding to the processing of non-whitelisted accounts in List 2 of Example 1): The principle of forced landing account processing is the same as that of normal accounts. For funds that need to be returned to the pending account, a single transfer will generate a "Forced Landing Account Fund Transfer List" (hereinafter referred to as List 6), which will be processed manually. Multiple transfers will be merged into List 3.

[0095] The following explains the processing procedures for both whitelisted and non-whitelisted accounts.

[0096] It should be noted that branch operators can also manually process various lists generated after the system automatically processes them in batches.

[0097] 1. Funds disbursed to whitelisted accounts are processed in a single transaction.

[0098] For the "List of Funds Transferred to Whitelist Accounts" generated on the same day, its business status is not overdue. Therefore, it is not immediately displayed on the processing interface after it is generated. It needs to be judged according to the account's allowed number of days of outstanding balance: when the number of outstanding balance days is greater than or equal to the allowed number of outstanding balance days, the system checks the account's balance from yesterday again. If it is zero, the coupons are automatically settled. If it is not zero, the business status is changed to pending processing and displayed on the processing interface for manual confirmation and processing.

[0099] You can view and process all pending transactions in full, or view and process pending transactions that meet the filtering criteria in single or batch processing based on factors such as account number, physical branch to which the account belongs, and bank governing the account.

[0100] This list is generated based on our bank's internal payroll accounts, with one record per account. The administrator can click on the account to view the historical details from T-5 days to T+ the allowed number of days for account escrow. After verifying that everything is correct, click "Confirm" to submit for review. If there are any errors, the administrator can modify the recipient's account number, recipient's name, recipient bank, and amount based on their judgment, and then submit the modified list for review.

[0101] After verification, click "Confirm" to transfer funds or send a message. The system will automatically set the summary to "Funds Refund Due to Unsuccessful Payment." If there are errors in the verification, the application can be returned to the administrator for modification and resubmission. Once the system detects a successful transfer or message transmission, the business status will be changed to "Refund Successful." If communication failures or other issues occur during the transfer or message sending process, and the business processing result cannot be obtained, the business status will be set to "Suspicious."

[0102] If the clerk finds that the funds do not need to be returned after review, they can click "Settle Voucher," and the transaction status will be changed to "Settled Voucher" after review.

[0103] For "single-transfer list of funds to whitelist accounts" that have not expired, the results will be displayed in the "Processing Result of Single-Transfer List of Funds to Whitelist Accounts" report. The list format is shown in Table 4.

[0104] Table 4

[0105]

[0106] 2. Forced landing (corresponding to the non-whitelist type in Example 1) of funds being transferred to the account in one transaction.

[0107] View the full list of all mandatory direct deposit funds transferred to designated accounts, or view lists that meet the filtering criteria by account number, physical branch to which the account belongs, or bank that governs the account.

[0108] This list is generated based on our bank's internal payroll accounts (i.e., debit accounts). One account corresponds to one record. When the administrator clicks on the account, they can see the account's historical details from T-5 to T day.

[0109] Based on the account details and the actual situation, the administrator will manually review the counterparty information and amount of the funds to be returned. After manually entering the necessary adjustments, click "confirm" to submit for review.

[0110] After verification, click "Confirm" to transfer funds or send a message. If there are any errors, the transaction can be returned to the administrator for modification and resubmission. Once the system detects a successful transfer or message transmission, the business status will be changed to "Refund Successful." If communication failures or other issues occur during the transfer or message sending process, preventing the receipt of the business processing result, the business status will be set to "Suspicious."

[0111] If the clerk finds that the funds do not need to be returned after review, they can click "Settle Voucher," and the status will be changed to "Settled Voucher" after review.

[0112] 3. Processing of multiple fund transfers into the list.

[0113] View the full list of all multiple transfers, or view lists matching the filter criteria by account number, physical branch, or bank. This list is generated based on our bank's internal payroll accounts (i.e., debit accounts), with one record per account. Clicking on an account will display the account's historical transaction details from T-5 to T day.

[0114] Based on the account details and the actual situation, the administrator manually determines the counterparty information and amount for which funds should be returned. After manually entering the information and clicking "confirm," the application can be submitted for review. If there is only one record in the list but multiple returns are required, the administrator can click "add" in the editing interface to add one or more records before submitting.

[0115] After verification, click "Confirm" to transfer funds or send a message. The system will automatically set the summary to "Funds Refund Due to Unsuccessful Payment." If there are errors in the verification, the transaction can be returned to the administrator for modification and resubmission. Once the system detects a successful transfer or message transmission, the business status will be changed to "Refund Successful." If communication failures or other issues occur during the transfer or sending process, preventing the receipt of business processing results, the business status will be set to "Suspicious." For a list with only one record and multiple refunds, if one record is deemed suspicious, the entire list and the refund record will be set to "Suspicious," while the remaining successful refund records will be set to "Refund Successful."

[0116] If the clerk finds that the funds do not need to be returned after review, they can click "Settle Voucher," and the status will be changed to "Settled Voucher" after review.

[0117] 4. Processing of multiple fund transfers from whitelisted accounts to the list.

[0118] For the "List of Multiple Fund Transfers to Whitelist Accounts" generated on the same day, its business status is not overdue. Therefore, it is not immediately displayed on the processing interface after it is generated. It needs to be judged based on the account's allowed number of days of outstanding balance: when the number of outstanding balance days is greater than or equal to the allowed number of outstanding balance days, the system checks the account's outstanding balance from yesterday again. If it is zero, the coupons are automatically settled. If it is not zero, the business status is changed to pending processing and displayed on the processing interface for manual confirmation and processing.

[0119] This operation requires two people, one to process the request and the other to review it, to complete.

[0120] You can view the full list of multiple fund transfers to all whitelisted accounts, or view lists that meet the filtering criteria individually or in batches based on factors such as account number, physical branch to which the account belongs, and bank governing the account.

[0121] This list is generated based on our bank's internal payroll accounts (i.e., debit accounts). One account corresponds to one record. When the administrator clicks on the account, they can see the historical details of the account from T-5 to T+ the allowed number of days for the outstanding balance.

[0122] Based on the account details and the actual situation, the administrator manually determines the counterparty information and amount for which funds should be returned, manually enters the information, and clicks "confirm" to submit for review and approval. If there is only one record in the list but multiple returns are required, the administrator can click "add" in the editing interface to add one or more records before submitting.

[0123] After verification, click "Confirm" to transfer funds or send a message. The system will automatically set the summary to "Funds Refund Due to Unsuccessful Transfer," which can also be manually modified. If there are errors in the verification, the message can be returned to the administrator for modification and resubmission. Once the system detects a successful transfer or message transmission, the business status will be changed to "Refund Successful." If communication failures or other issues occur during the transfer or message transmission process, and the business processing result cannot be obtained, the business status will be set to "Suspicious." For a list with only one record and multiple returns, if one of the returns is suspicious, the entire list and the return record will be set to "Suspicious," while the remaining successful return records will be set to "Refund Successful."

[0124] If the clerk finds that the funds do not need to be returned after review, they can click "Settle Voucher," and the status will be changed to "Settled Voucher" after review.

[0125] For "multiple fund transfers to whitelisted accounts" that have not expired, the results will be displayed in the "Processing Results of Multiple Fund Transfers to Whitelisted Accounts" report.

[0126] The invention will be further illustrated below with reference to another optional embodiment.

[0127] Example 3

[0128] This embodiment provides an optional processing device for outstanding funds, wherein each implementation unit included in the processing device corresponds to each implementation step in the above embodiment one.

[0129] Figure 3 This is a schematic diagram of an optional device for processing outstanding funds according to an embodiment of the present invention, such as... Figure 3 As shown, the processing device includes: a first acquisition unit 31, a filtering unit 32, a second acquisition unit 33, and a processing unit 34.

[0130] Specifically, the first acquisition unit 31 is used to obtain a list of outstanding accounts from the payroll accounts of the target financial institution based on the outstanding account query parameters.

[0131] The filtering unit 32 is used to filter from the list of pending accounts one based on the target transaction code to obtain the list of pending accounts two, where the list of pending accounts two is used for fund return.

[0132] The second acquisition unit 33 is used to acquire the fund receiving identifier and fund receiving account number of each account in the second list of accounts. The fund receiving identifier is the identifier of the financial institution that receives the funds in the account, and the fund receiving account number is the fund transaction account number within the financial institution, used to receive the funds in the account.

[0133] Processing unit 34 is used to process fund return for the corresponding accounts in the second list of accounts based on the fund receiving identifier and fund receiving account number of each account.

[0134] The device for processing outstanding funds provided in Embodiment 3 of this application can first obtain a list of outstanding accounts (List 1) from the payroll accounts of the target financial institution based on outstanding account query parameters through the first acquisition unit 31. Then, the filtering unit 32 filters from List 1 based on the target transaction code to obtain List 2, which is used for fund return. The second acquisition unit 33 obtains the fund receiving identifier and fund receiving account number for each outstanding account in List 2. The fund receiving identifier is the identifier of the financial institution receiving the outstanding funds, and the fund receiving account number is the fund transaction account number within the financial institution used to receive the outstanding funds. Finally, the processing unit 34 processes the fund return for the corresponding outstanding accounts in List 2 based on the fund receiving identifier and fund receiving account number of each account. This solves the technical problem in related technologies where financial institutions use manual clearing methods for outstanding funds generated by abnormal receiving accounts, resulting in low clearing efficiency. In this embodiment, by filtering out pending accounts for fund return processing from the payroll accounts of the target financial institution based on the pending query parameters, and then returning funds to the pending accounts for fund return processing based on the fund receiving identifier and fund receiving account, the technical effect of improving the clearing efficiency of pending funds is achieved by using automatic clearing of payroll business.

[0135] Optionally, in the processing device for outstanding funds provided in Embodiment 3 of this application, the second acquisition unit 33 includes: a query subunit, used to query the parameters of the fund receiving identifier and the fund receiving account corresponding to each outstanding account in the list of outstanding accounts in the parameter table of the fund disbursement account; a first determination subunit, used to determine the fund receiving identifier and the fund receiving account corresponding to each outstanding account based on the parameters of the fund receiving identifier and the fund receiving account when the parameters of the fund receiving identifier and the fund receiving account corresponding to each outstanding account are found; and a first processing subunit, used to take the source identifier of the outstanding funds of each outstanding account as the fund receiving identifier of each outstanding account and take the source transaction account of the outstanding funds of each outstanding account as the fund receiving account of each outstanding account when the parameters of the fund receiving identifier and the fund receiving account corresponding to each outstanding account are not found.

[0136] Optionally, in the processing device for outstanding funds provided in Embodiment 3 of this application, the processing unit 34 includes: a first judgment subunit, used to determine whether the fund receiving identifier of each outstanding account is the identifier of the target financial institution; a second processing subunit, used to process fund return to the corresponding outstanding account based on the fund receiving account number through the intra-bank transfer interface of the target financial institution when the fund receiving identifier of the outstanding account is the identifier of the target financial institution; and a third processing subunit, used to process fund return to the corresponding outstanding account based on the identifier of the financial institution of the fund receiving account number through the interbank payment system interface when the fund receiving identifier of the outstanding account is not the identifier of the target financial institution.

[0137] Optionally, in the processing device for outstanding funds provided in Embodiment 3 of this application, the processing device for outstanding funds further includes: a judgment unit, used to determine the list type of the second outstanding account list based on the fund receiving identifier and fund receiving account number of each outstanding account before processing the fund return for the corresponding outstanding account in the second outstanding account list, wherein the list type includes at least one of the following: whitelist type, non-whitelist type, where the business status of each outstanding account in the whitelist type is not overdue, and each outstanding account in the non-whitelist type is an outstanding account that needs to be reviewed and adjusted; a first determination unit, used to determine the number of outstanding days for each outstanding account in the second outstanding account list when the list type of the second outstanding account list is whitelist type, and display the outstanding accounts that have not exceeded the allowed number of outstanding days in the report; and a first adjustment unit, used to review and adjust the fund receiving identifier and fund receiving account number of each outstanding account when the list type of the second outstanding account list is non-whitelist type.

[0138] Optionally, in the processing device for outstanding funds provided in Embodiment 3 of this application, the processing unit 34 further includes: a second judgment subunit, used to determine whether the outstanding days of each outstanding account exceed the allowed outstanding days when the list type of the outstanding account list 2 is a whitelist type; a fourth processing subunit, used to review and adjust the fund receiving identifier and fund receiving account of the target outstanding account 1 if there is a target outstanding account 1 whose outstanding days exceed the allowed outstanding days, and to perform fund return processing on the target outstanding account 1 based on the adjusted fund receiving identifier and fund receiving account; and a fifth processing subunit, used to determine whether the outstanding fund balance of the target outstanding account 2 on the target date is zero if there is a target outstanding account 2 whose outstanding days do not exceed the allowed outstanding days, and to delete the target outstanding account 2 from the outstanding account list 2 if the outstanding fund balance of the target outstanding account 2 on the target date is zero.

[0139] Optionally, in the processing device for outstanding funds provided in Embodiment 3 of this application, the processing device for outstanding funds further includes: a second determining unit, used to determine the number of outstanding funds for each outstanding record under each outstanding account in the second outstanding account list before processing the fund return for the corresponding outstanding account in the second outstanding account list based on the fund receiving identifier and fund receiving account of each outstanding account; and a second adjusting unit, used to adjust the target outstanding record into multiple outstanding records if there are multiple outstanding funds in the target outstanding record.

[0140] Optionally, in the processing device for outstanding funds provided in Embodiment 3 of this application, the filtering unit 32 includes: a first acquisition subunit, used to acquire the transaction details of each outstanding account in the outstanding account list 1, wherein the transaction details are the fund transaction records of each outstanding account in the outstanding account list 1 during the target time period; a first filtering subunit, used to filter outstanding accounts in the transaction details that have the transaction code as the target transaction code, to obtain the transaction fund amount of outstanding account 1, wherein outstanding account 1 is an outstanding account where the fund disbursement was unsuccessful; a second filtering subunit, used to filter outstanding accounts in the transaction details that have the transaction code as the target transaction code, to obtain the transaction fund amount of outstanding account 2, wherein outstanding account 2 is an outstanding account where the fund disbursement was unsuccessful and the fund disbursement has been returned to the target financial institution; and a second determination subunit, used to determine, based on the transaction fund amount of outstanding account 2 and the transaction fund amount of outstanding account 1, the outstanding accounts in the outstanding account list 1 where the fund disbursement was unsuccessful and the fund disbursement has been returned, to obtain outstanding account list 2.

[0141] The aforementioned device for processing outstanding funds may also include a processor and a memory. The first acquisition unit 31, the filtering unit 32, the second acquisition unit 33, the processing unit 34, etc., are all stored in the memory as program units, and the processor executes the aforementioned program units stored in the memory to realize the corresponding functions.

[0142] The aforementioned processor contains a kernel, which retrieves the corresponding program units from memory. One or more kernels can be configured. By adjusting kernel parameters, pending accounts for fund return processing are selected from the target financial institution's payroll accounts based on query parameters. Funds are then returned to these pending accounts based on the fund receiving identifier and account number. This achieves the technical effect of improving the efficiency of pending fund clearing by automatically clearing payroll funds.

[0143] The aforementioned memory may include non-permanent memory in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0144] According to another aspect of the present invention, an electronic device is also provided, including: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to perform the above-described method for processing outstanding funds by executing the executable instructions.

[0145] According to another aspect of the present invention, a computer-readable storage medium is also provided, the computer-readable storage medium including a stored computer program, wherein, when the computer program is running, it controls the device where the computer-readable storage medium is located to perform the above-described method for processing outstanding funds.

[0146] Figure 4 This is a schematic diagram of an optional electronic device according to an embodiment of the present invention. For example... Figure 4 As shown, this embodiment of the invention provides an electronic device 40, which includes a processor, a memory, and a program stored in the memory and executable on the processor. When the processor executes the program, it implements a method for processing outstanding funds.

[0147] In the above embodiments of the present invention, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0148] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. The device embodiments described above are merely illustrative; for example, the division of units can be a logical functional division, and in actual implementation, there may be other division methods. For instance, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the displayed or discussed mutual coupling, direct coupling, or communication connection may be through some interfaces; the indirect coupling or communication connection between units or modules may be electrical or other forms.

[0149] 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 units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0150] Furthermore, the functional units in the various embodiments of the present invention 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.

[0151] 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 the present invention, 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.) to execute all or part of the steps of the methods described in the various embodiments of the present invention. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, read-only memory (ROM), random access memory (RAM), portable hard drives, magnetic disks, or optical disks.

[0152] The above description is only a preferred embodiment of the present invention. It should be noted that for those skilled in the art, several improvements and modifications can be made without departing from the principle of the present invention, and these improvements and modifications should also be considered within the scope of protection of the present invention.

Claims

1. A method for handling outstanding funds, characterized in that, include: In the payroll account of the target financial institution, based on the account inquiry parameters, obtain the first list of accounts with outstanding balances, wherein the first list of accounts with outstanding balances includes accounts with outstanding balances where payrolls were unsuccessful. Based on the target transaction code, a second list of pending accounts is obtained by filtering from the first list of pending accounts. The second list of pending accounts is used for fund return, and the target transaction code is used to filter out pending accounts from the first list of pending accounts where funds have been returned to the target financial institution. Obtain the fund receiving identifier and fund receiving account number for each account in the second list of accounts. The fund receiving identifier is the identifier of the financial institution that receives the funds in the account, and the fund receiving account number is the fund transaction account number within the financial institution, used to receive the funds in the account. Based on the fund receiving identifier and fund receiving account number of each outstanding account, the funds are returned to the corresponding outstanding accounts in the second list of outstanding accounts. The steps for processing fund refunds to the corresponding accounts in the second list of accounts, based on the fund receiving identifier and fund receiving account number of each outstanding account, include: Determine whether the fund receiving identifier of each outstanding account is the identifier of the target financial institution; If the fund receiving identifier of the accrued account is the identifier of the target financial institution, the fund is returned to the corresponding accrued account through the intra-bank transfer interface of the target financial institution based on the fund receiving account number. If the fund receiving identifier of the pending account is not the identifier of the target financial institution, the funds will be returned to the corresponding pending account based on the identifier of the financial institution receiving the fund account through the interbank payment system interface. The step of filtering from the first list of outstanding accounts based on the target transaction code to obtain the second list of outstanding accounts includes: Obtain the transaction details of each account in the first list of pending accounts, wherein the transaction details are the fund transaction records of each account in the first list of pending accounts during the target time period; Filter the transaction details records for accounts with the target transaction code to obtain the transaction amount of account one, where account one is an account where the fund disbursement failed. The transaction details are filtered to find accounts whose transaction codes are not the target transaction codes, and the transaction amount of account two is obtained. Account two is where the transaction funds have been returned to the target financial institution's account after the fund transfer failed. Based on the transaction amount of the second suspense account and the transaction amount of the first suspense account, the suspense accounts in the first suspense account list that failed to send funds and whose funds have been returned are identified, thus obtaining the second suspense account list. The method further includes: splitting and adjusting the accounts with multiple outstanding funds in a single outstanding account under the list; if one of the multiple outstanding funds is suspicious when returned, the list and the returned record are marked as suspicious.

2. The processing method according to claim 1, characterized in that, The steps for obtaining the fund receiving identifier and fund receiving account number for each account in the second list of outstanding accounts include: In the parameter table of the fund disbursement account, for each pending account in the second list of pending accounts, query the parameters of the fund receiving identifier and the fund receiving account corresponding to each pending account; Once the parameters of the fund receiving identifier and the fund receiving account number corresponding to each pending account are found, the fund receiving identifier and the fund receiving account number corresponding to each pending account are determined based on the parameters of the fund receiving identifier and the fund receiving account number. If the parameters for the fund receiving identifier and the fund receiving account corresponding to each pending account are not found, the source identifier of the pending funds for each pending account will be used as the fund receiving identifier of each pending account, and the source transaction account of the pending funds for each pending account will be used as the fund receiving account of each pending account.

3. The processing method according to claim 1, characterized in that, Before processing the fund return for the corresponding accounts in the second list of outstanding accounts, based on the fund receiving identifier and fund receiving account number of each outstanding account, the process also includes: Determine the list type of the second list of outstanding accounts, wherein the list type includes at least one of the following: whitelist type, non-whitelist type, wherein the business status of each outstanding account in the whitelist type is not overdue, and each outstanding account in the non-whitelist type is an outstanding account that needs to be reviewed and adjusted; If the list type of the second list of outstanding accounts is a whitelist, determine the number of outstanding days for each outstanding account in the second list of outstanding accounts, and display the outstanding accounts that have not exceeded the allowed number of outstanding days in the report. If the list type of the second list of outstanding accounts is not a whitelist, the fund receiving identifier and fund receiving account number of each outstanding account shall be reviewed and adjusted.

4. The processing method according to claim 3, characterized in that, The steps for processing fund refunds to the corresponding accounts in the second list of accounts, based on the fund receiving identifier and fund receiving account number of each outstanding account, also include: If the list type of the second list of outstanding accounts is a whitelist, determine whether the number of outstanding days for each outstanding account exceeds the allowed number of outstanding days based on the number of outstanding days for each outstanding account. If there is a target account with a pending period exceeding the allowed pending period, the fund receiving identifier and fund receiving account of the target account will be reviewed and adjusted, and the funds will be returned to the target account based on the adjusted fund receiving identifier and fund receiving account. If there is a target account two whose outstanding balance does not exceed the allowed outstanding balance, determine whether the outstanding balance of the target account two on the target date is zero. If the outstanding balance of the target account two on the target date is zero, then delete the target account two from the list of outstanding accounts.

5. The processing method according to claim 1, characterized in that, Before processing the fund return for the corresponding accounts in the second list of outstanding accounts, based on the fund receiving identifier and fund receiving account number of each outstanding account, the process also includes: Determine the number of outstanding funds for each outstanding record under each outstanding account in the second list of outstanding accounts; If there are multiple outstanding funds in the target outstanding fund record, then adjust them into multiple outstanding fund records based on the target outstanding fund record.

6. A device for processing outstanding funds, characterized in that, include: The first acquisition unit is used to obtain a list of pending accounts from the payout fund accounts of the target financial institution based on the pending account query parameters, wherein the list of pending accounts includes pending accounts where payouts were unsuccessful. The filtering unit is used to filter from the first list of outstanding accounts based on the target transaction code to obtain the second list of outstanding accounts. The second list of outstanding accounts is used for fund return. The target transaction code is used to filter out outstanding accounts from the first list of outstanding accounts where the funds have been returned to the target financial institution. The second acquisition unit is used to acquire the fund receiving identifier and fund receiving account number of each account in the second list of accounts, wherein the fund receiving identifier is the identifier of the financial institution receiving the funds in the account, and the fund receiving account number is the fund transaction account number within the financial institution, used to receive the funds in the account. The processing unit is used to process fund return for the corresponding accounts in the second list of accounts based on the fund receiving identifier and fund receiving account number of each account. The second acquisition unit includes: a query subunit, used to query the parameters of the fund receiving identifier and the fund receiving account for each outstanding account in the second list of outstanding accounts, in the parameter table of the fund disbursement account; a first determination subunit, used to determine the fund receiving identifier and the fund receiving account for each outstanding account based on the parameters of the fund receiving identifier and the fund receiving account when the parameters of the fund receiving identifier and the fund receiving account for each outstanding account are found; and a first processing subunit, used to take the source identifier of the outstanding funds of each outstanding account as the fund receiving identifier of each outstanding account, and take the source transaction account of the outstanding funds of each outstanding account as the fund receiving account of each outstanding account when the parameters of the fund receiving identifier and the fund receiving account for each outstanding account are not found. The filtering unit includes: a first acquisition subunit, used to acquire the transaction details of each accrued account in the first accrued account list, wherein the transaction details are the fund transaction records of each accrued account in the first accrued account list during the target time period; a first filtering subunit, used to filter accrued accounts in the transaction details that have the transaction code of the target transaction code, to obtain the transaction amount of accrued account one, wherein accrued account one is an accrued account where the fund disbursement was unsuccessful; a second filtering subunit, used to filter accrued accounts in the transaction details that have the transaction code of the target transaction code, to obtain the transaction amount of accrued account two, wherein accrued account two is an accrued account where the fund disbursement was unsuccessful and the fund disbursement has been returned to the target financial institution; and a second determination subunit, used to determine, based on the transaction amount of accrued account two and the transaction amount of accrued account one, the accrued accounts in the first accrued account list where the fund disbursement was unsuccessful and the fund disbursement has been returned, to obtain accrued account list two. The device further includes: splitting and adjusting the accounts with multiple outstanding funds in a single outstanding account under the list; if one of the multiple outstanding funds is suspicious when returned, the list and the returned record are marked as suspicious.

7. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program, wherein when the computer program is executed, it controls the device where the computer-readable storage medium is located to perform the method for processing outstanding funds as described in any one of claims 1 to 5.

8. An electronic device, characterized in that, It includes one or more processors and a memory, the memory being used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors cause the one or more processors to implement the method for processing outstanding funds as described in any one of claims 1 to 5.

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