Multi-channel multi-repayment scene automatic accounting and processing method and system based on virtual account

Abstract

The invention discloses a multi-channel multi-repayment scene automatic accounting and processing method and system based on a virtual account, and the method comprises the following steps: carrying out the recharging of the virtual account; formulating a money deduction mechanism; the client initiates an advanced repayment reservation at the WeChat terminal, the system establishes a reservation advanced repayment work order according to reservation information, the system regularly queries the balance of the virtual account according to the reservation date to deduct money, and the system calls communication for withholding when the balance is insufficient; and after the customer does not make an appointment but notifies the customer manager, the customer manager manually establishes and immediately executes a repayment work order, the work order is executed after expiration, and money is deducted through a money deduction mechanism. According to the invention, implementation of the accounting rule is rapidly realized, the transaction process is recorded, accounting tasks of loans in different scenes and different business forms are supported, digital operation is more standardized and refined, credit management is standardized, diversified requirements of users are met, management efficiency is improved, and risks are controlled at the same time.

Description

Technical Field

[0001] The present invention relates to the technical field of financial systems, and in particular to an automatic accounting and processing method and system for multi-channel and multi-repayment scenarios based on virtual accounts. Background Art

[0002] As the number of Huajin Puhui customers gradually increased, the dynamic behavior of customers could not be controlled. Customers' repayment behaviors were diversified, with different repayment methods, different repayment amounts, and different repayment times. The original consumer finance system could not identify customers' repayment intentions, and the customer's behavior activities and capital changes involved could not be managed in a unified manner. Therefore, Puhui's public account often received a flow of money, but no one knew about it and could not enter it into the account or conduct accounting, which led to the inability of business personnel to handle it in a standardized manner. On the one hand, the business system did not form a unified and standardized loan accounting model, the management system data was chaotic, and the business personnel's operation management and service efficiency were low. On the other hand, the financial management was not accurate, resulting in confusion in fund settlement, financial accounting books and reports.

[0003] Therefore, based on the above situation, the concept of a virtual account is established for each customer. Based on the virtual account, a loan accounting and processing model that meets all loan repayment scenarios is established. Business processes and transaction rules are designed according to business needs. A virtual account is established for each customer to meet the scenario support of existing consumer finance business. Based on the requirements of accounting standards, a relationship is established between accounts and accounting statements, accounting rules are implemented quickly, and transaction processes are recorded to support accounting tasks for loans in different scenarios and different business formats. Digital operations are more standardized and refined, and at the same time, credit management is standardized to meet the diverse needs of users, improve management efficiency, and control risks. Summary of the invention

[0004] The purpose of the present invention is to provide an automatic accounting and processing method and system for multi-channel and multi-repayment scenarios based on virtual accounts to solve the problems raised in the above background technology.

[0005] To achieve the above object, the present invention provides the following technical solution: an automatic accounting and processing method for multi-channel and multi-repayment scenarios based on virtual accounts, comprising the following steps:

[0006] Step S1: recharge the virtual account;

[0007] Step S11: The customer deposits money offline to the public account, generating a transaction flow;

[0008] Step S12: The virtual account captures the public account flow;

[0009] Step S13: The system scans bank statements every day, automatically matches and claims according to bank statement information and customer information, and recharges the customer's virtual account;

[0010] Step S2: Formulate a deduction mechanism;

[0011] Step S21: On the day of deduction, first deduct the virtual account according to the batch deduction work order. If the virtual account balance is insufficient, the system starts the Tonglian batch deduction. After the Tonglian batch deduction is successful, the funds must be recharged to the virtual account. The system deducts the entire amount from the virtual account. At the same time, after the batch deduction is returned, the system creates a work order for the amount to be written off based on the batch deduction record accumulation, and transfers it to the public account T+1 after the Tonglian deduction.

[0012] Step S22: reconcile the accounts, and make a reconciliation based on the amount to be written off of the batch deduction and the amount officially deposited into the account the next day, to ensure that the amount of the rebate is consistent with the actual funds received;

[0013] Step S3: The customer initiates an early repayment appointment on WeChat. The system creates an early repayment appointment work order based on the appointment information. The system queries the virtual account balance regularly based on the appointment date and deducts the money. If the balance is insufficient, Tonglian deduction is called;

[0014] Step S4: After the customer has not made an appointment but notified the account manager, the account manager manually creates an immediate repayment work order, which is executed when it expires and deducted through the deduction mechanism.

[0015] Preferably, in step S13, if the system cannot automatically claim the recharge failure, the account manager is required to manually claim the transaction to the virtual account. The account manager initiates a claim work order and creates a temporary claim work order. After the general manager approves it, the transaction is claimed to the customer's virtual account, and both the account manager and the customer can view the virtual account balance.

[0016] Preferably, the deduction mechanism of step S2 is applied to fixed dates each month (such as the 21st of each month) and normal repayment dates, daily overdue deductions, and early repayment deductions, all of which are executed according to this mechanism.

[0017] Preferably, the customer has a virtual account established through the system.

[0018] Preferably, in step S21, the WeChat official account should inform the customer of changes in the virtual account balance.

[0019] Preferably, the step S22 is to reconcile accounts and offset and write off items one by one.

[0020] Preferably, before the early repayment in step S3, the customer is first required to transfer money offline to the public account to recharge the virtual account, and then deduct the money through the deduction mechanism.

[0021] The automatic accounting and processing system for multi-channel and multi-repayment scenarios based on virtual accounts includes: virtual account recharge module, deduction module, scheduled repayment module and manual repayment module;

[0022] The virtual account recharge module is used for customers to make offline deposits to public accounts to generate transaction flow. The virtual account captures the public account transaction flow. The system scans the bank transaction flow every day, and automatically matches and claims it according to the bank transaction information and customer information, and recharges the customer's virtual account; the deduction module is used to formulate a deduction mechanism: on the day of deduction, the virtual account is first deducted according to the batch deduction work order. If the balance of the virtual account is insufficient, the system starts the Tonglian batch deduction. After the Tonglian batch deduction is successful, the funds must be recharged to the virtual account. The system deducts the entire amount from the virtual account. At the same time, after the batch deduction is returned, the system accumulates the batch deduction records and establishes a to-be-written-off amount work order. The order is transferred to the public account T+1 after Tonglian deduction. The amount to be written off of the batch deduction return and the amount officially entered into the account on the next day are reconciled to ensure that the return amount is consistent with the actual amount of funds received; the scheduled repayment module is used for customers to initiate early repayment reservations on the WeChat terminal. The system establishes an early repayment reservation work order based on the reservation information. The system regularly queries the virtual account balance according to the reservation date and deducts money. If the balance is insufficient, Tonglian deduction is called; the manual repayment module is used for the customer to notify the account manager without making an appointment. The account manager manually establishes an immediate repayment work order, which is executed when the work order expires and deducts money through the deduction mechanism.

[0023] Compared with the prior art, the present invention has the following beneficial effects:

[0024] Through system design and constraints, we can solve the uncontrollable factors of random dynamic behavior of customers and standardize the business process as much as possible; unify virtual account management, collect customer funds, standardize customer repayment operations, establish according to the relationship between accounts and accounting statements, integrate business processes, improve the operational management efficiency of business personnel, reduce the workload of financial personnel, and reduce the risks of human operation; make the loan business process more automated, data intelligent, information standardized, and business management standardized.

[0025] The consumer finance system has designed virtual accounts for customers, which is also the underlying foundation of the system. It is mainly used to regulate customer repayment behavior and provide collection management for individual customers. The virtual accounts establish a relationship with accounting statements, and accounting subjects are set according to the different types of transactions occurring in the accounts. Each transaction will generate a corresponding accounting entry for bookkeeping to meet financial management requirements.

[0026] Establish an accurate and efficient loan accounting system to support the accounting of loans in different scenarios and formats, including loan application, repayment plan, loan interest calculation, penalty interest calculation, repayment application and other interest calculation models, establish customer virtual accounts for fund collection, configurable various payment parameters, customized fee, interest and principal calculation, and zero error in interest and fee calculation since operation;

[0027] It has the function of loan accounting configuration, which enables accurate, fast and automatic loan accounting and updating to meet the personalized needs of different types of customers and different products.

[0028] The establishment of virtual accounts and loan accounting models also provides data support for expanding the application of trust products. Through virtual accounts, the company's own scattered and non-standardized customer repayment data can be connected. In accordance with the regulatory requirements of the trust, the customer's repayment method and repayment channel can be effectively and accurately distinguished, and automated data integration, matching, analysis and judgment in each link can be carried out to achieve intelligent management of data resources and give full play to the value of the company's own data resources. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] Figure 1 It is a schematic diagram of the process of the present invention. DETAILED DESCRIPTION

[0030] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0031] See also Figure 1 The present invention provides a technical solution: an automatic accounting and processing method for multi-channel and multi-repayment scenarios based on virtual accounts, comprising the following steps:

[0032] Step S1: recharge the virtual account;

[0033] Step S11: The customer deposits money offline to the public account, generating a transaction flow;

[0034] Step S12: The virtual account captures the public account flow;

[0035] Step S13: The system scans bank statements every day, automatically matches and claims according to bank statement information and customer information, and recharges the customer's virtual account;

[0036] Step S2: Formulate a deduction mechanism;

[0037] Step S21: On the day of deduction, first deduct the virtual account according to the batch deduction work order. If the virtual account balance is insufficient, the system starts the Tonglian batch deduction. After the Tonglian batch deduction is successful, the funds must be recharged to the virtual account. The system deducts the entire amount from the virtual account. At the same time, after the batch deduction is returned, the system creates a work order for the amount to be written off based on the batch deduction record accumulation, and transfers it to the public account T+1 after the Tonglian deduction.

[0038] Step S22: reconcile the accounts, and make a reconciliation based on the amount to be written off of the batch deduction and the amount officially deposited into the account the next day, to ensure that the amount of the rebate is consistent with the actual funds received;

[0039] Step S3: The customer initiates an early repayment appointment on WeChat. The system creates an early repayment appointment work order based on the appointment information. The system queries the virtual account balance regularly based on the appointment date and deducts the money. If the balance is insufficient, Tonglian deduction is called;

[0040] Step S4: After the customer has not made an appointment but notified the account manager, the account manager manually creates an immediate repayment work order, which is executed when it expires and deducted through the deduction mechanism.

[0041] In the present invention, in step S13, if the system cannot automatically claim the recharge failure, then the account manager needs to manually claim the transaction to the virtual account. The account manager initiates a claim work order and creates a temporary claim work order. After the general manager approves it, the transaction is claimed to the customer's virtual account, and the account manager and the customer can both view the virtual account balance.

[0042] In the present invention, the deduction mechanism of step S2 is applied to fixed dates of each month (such as the 21st of each month) and normal repayment dates, daily overdue deductions, and early repayment deductions, all of which are executed according to this mechanism.

[0043] In the present invention, the customer establishes a virtual account through the system.

[0044] In the present invention, in step S21, the WeChat public account should inform the customer of the change in the virtual account balance.

[0045] In the present invention, the step S22 is to reconcile accounts and offset and write off each item one by one.

[0046] In the present invention, before the early repayment in step S3, the customer is first required to transfer money offline to the public account to recharge the virtual account, and then deduct the money through the deduction mechanism.

[0047] The automatic accounting and processing system for multi-channel and multi-repayment scenarios based on virtual accounts includes: virtual account recharge module, deduction module, scheduled repayment module and manual repayment module;

[0048] The virtual account recharge module is used for customers to make offline deposits to public accounts to generate transaction flow. The virtual account captures the public account transaction flow. The system scans the bank transaction flow every day, and automatically matches and claims it according to the bank transaction information and customer information, and recharges the customer's virtual account; the deduction module is used to formulate a deduction mechanism: on the day of deduction, the virtual account is first deducted according to the batch deduction work order. If the balance of the virtual account is insufficient, the system starts the Tonglian batch deduction. After the Tonglian batch deduction is successful, the funds must be recharged to the virtual account. The system deducts the entire amount from the virtual account. At the same time, after the batch deduction is returned, the system accumulates the batch deduction records and establishes a to-be-written-off amount work order. The order is transferred to the public account T+1 after Tonglian deduction. The amount to be written off of the batch deduction return and the amount officially entered into the account on the next day are reconciled to ensure that the return amount is consistent with the actual amount of funds received; the scheduled repayment module is used for customers to initiate early repayment reservations on the WeChat terminal. The system establishes an early repayment reservation work order based on the reservation information. The system regularly queries the virtual account balance according to the reservation date and deducts money. If the balance is insufficient, Tonglian deduction is called; the manual repayment module is used for the customer to notify the account manager without making an appointment. The account manager manually establishes an immediate repayment work order, which is executed when the work order expires and deducts money through the deduction mechanism.

[0049] The present invention: establishes a virtual account to collect the funds of the customer through online + offline repayment. After the virtual account is recharged, the system initiates a deduction operation on the customer's virtual account according to the repayment trial calculation. The system is configured with a flexible deduction strategy. After the deduction is successful, the repayment entry logic operation is completed. In terms of the account's capabilities, it meets the scenario support of existing consumer finance services, supports normal repayment, early repayment, early settlement and overdue repayment, and collects the funds of offline and online repayments into the customer's virtual account. The account can realize financial transactions such as recharge and repayment, and non-financial transactions can realize balance inquiries, transaction record inquiries, etc. From a financial perspective, a relationship is established between the account and the accounting statements. Each deposit transaction completes the recharge of the virtual account, and the finance department records it as prepayments, thereby meeting various needs of fund management.

[0050] From a business perspective, by establishing a virtual account for a customer, repayments made by the customer at any time and through any channel can be regarded as account recharges. By standardizing the repayment date, repayment calculation and deduction rules through the system, each deposit flow can be clearly processed, customer repayments can be processed in a timely manner, and financial accounting can be completed in a timely manner to ensure consistency between business and finance.

[0051] At the same time, we have designed a function for early repayment reservation. Customers can initiate early repayment and early settlement at the front end, and account managers can also operate early repayment calculations at the back end. The system back end can set up a scheduled task based on the early repayment reservation time to automatically deduct money from the customer's virtual account at a fixed time, that is, according to the parameters such as early repayment time, amount, and penalty ratio, the system automatically calculates loan repayments and standardizes principal and interest repayment operations. Therefore, the entire early repayment scenario can realize process automation and business standardization, solving the pain point that the business needs manual intervention in handling this scenario and is prone to operational risks, making loan transactions safer.

[0052] The contents not described in detail in this specification belong to the prior art known to professional and technical personnel in the field. Although the embodiments of the present invention have been shown and described, it is understood by ordinary technicians in the field that various changes, modifications, substitutions and variations can be made to these embodiments without departing from the principle and spirit of the present invention. The scope of the present invention is defined by the attached claims and their equivalents.

Claims

1. An automatic accounting and processing method for multi-channel and multi-repayment scenarios based on virtual accounts, characterized by: The steps include: Step S1: recharge the virtual account; Step S11: The customer deposits money offline to the public account, generating a transaction flow; Step S12: The virtual account captures the public account flow; Step S13: The system scans bank statements every day, automatically matches and claims according to bank statement information and customer information, and recharges the customer's virtual account; Step S2: Formulate a deduction mechanism; Step S21: On the day of deduction, first deduct the virtual account according to the batch deduction work order. If the virtual account balance is insufficient, the system starts the Tonglian batch deduction. After the Tonglian batch deduction is successful, the funds must be recharged to the virtual account. The system deducts the entire amount from the virtual account. At the same time, after the batch deduction is returned, the system creates a work order for the amount to be written off based on the batch deduction record accumulation, and transfers it to the public account T+1 after the Tonglian deduction. Step S22: reconcile the accounts, and make a reconciliation based on the amount to be written off of the batch deduction and the amount officially deposited into the account the next day, to ensure that the amount of the rebate is consistent with the actual funds received; Step S3: The customer initiates an early repayment appointment on WeChat. The system creates an early repayment appointment work order based on the appointment information. The system queries the virtual account balance regularly based on the appointment date and deducts the money. If the balance is insufficient, Tonglian deduction is called; Step S4: After the customer has not made an appointment but notified the account manager, the account manager manually creates an immediate repayment work order, which is executed when it expires and deducted through the deduction mechanism.

2. The automatic accounting and processing method for multi-channel and multi-repayment scenarios based on virtual accounts according to claim 1 is characterized by: In step S13, if the system cannot automatically claim the recharge failure, the account manager needs to manually claim the transaction to the virtual account. The account manager initiates a claim work order and creates a temporary claim work order. After the general manager approves it, the transaction is claimed to the customer's virtual account. Both the account manager and the customer can view the virtual account balance.

3. The automatic accounting and processing method for multi-channel and multi-repayment scenarios based on virtual accounts according to claim 1 is characterized by: The deduction mechanism in step S2 is applied to fixed dates and normal repayment dates every month, daily overdue deductions, and early repayment deductions, all of which are executed according to this mechanism.

4. The automatic accounting and processing method for multi-channel and multi-repayment scenarios based on virtual accounts according to claim 1 is characterized by: The customer has a virtual account established through the system.

5. The automatic accounting and processing method for multi-channel and multi-repayment scenarios based on virtual accounts according to claim 1, characterized in that: In step S21, the WeChat official account will inform the customer of changes in the virtual account balance.

6. The automatic accounting and processing method for multi-channel and multi-repayment scenarios based on virtual accounts according to claim 1 is characterized by: The step S22 is to reconcile the accounts and write off each item one by one.

7. The automatic accounting and processing method for multi-channel and multi-repayment scenarios based on virtual accounts according to claim 1 is characterized by: Before the early repayment in step S3, the customer is first required to transfer money offline to the public account to recharge the virtual account, and then deduct the money through the deduction mechanism.

8. An automatic accounting and processing system for multi-channel and multi-repayment scenarios based on virtual accounts that implements the automatic accounting and processing method for multi-channel and multi-repayment scenarios based on virtual accounts as described in any one of claims 1 to 7, characterized in that: The automatic accounting and processing system for multi-channel and multi-repayment scenarios based on virtual accounts includes: a virtual account recharge module, a deduction module, a scheduled repayment module and a manual repayment module; The virtual account recharge module is used for customers to make offline deposits to public accounts to generate transaction flow. The virtual account captures the public account transaction flow. The system scans the bank transaction flow every day, and automatically matches and claims it according to the bank transaction information and customer information, and recharges the customer's virtual account; the deduction module is used to formulate a deduction mechanism: on the day of deduction, the virtual account is first deducted according to the batch deduction work order. If the balance of the virtual account is insufficient, the system starts the Tonglian batch deduction. After the Tonglian batch deduction is successful, the funds must be recharged to the virtual account. The system deducts the entire amount from the virtual account. At the same time, after the batch deduction is returned, the system accumulates the batch deduction records and establishes a to-be-written-off amount work order. The order is transferred to the public account T+1 after Tonglian deduction. The amount to be written off of the batch deduction return and the amount officially entered into the account on the next day are reconciled to ensure that the return amount is consistent with the actual amount of funds received; the scheduled repayment module is used for customers to initiate early repayment reservations on the WeChat terminal. The system establishes an early repayment reservation work order based on the reservation information. The system regularly queries the virtual account balance according to the reservation date and deducts money. If the balance is insufficient, Tonglian deduction is called; the manual repayment module is used for the customer to notify the account manager without making an appointment. The account manager manually establishes an immediate repayment work order, which is executed when the work order expires and deducts money through the deduction mechanism.

Images