Data submission method and device, equipment and medium

Abstract

The invention relates to the technical field of computers, in particular to a data submission method, device and equipment and a medium, which are used for realizing tracking management after loan fund loan loan and improving supervision submission quality. The method comprises the following steps: displaying a credit transfer interface, and in response to an input operation triggered in the credit transfer interface, obtaining a current transfer amount input by an input object and a selected target loan expenditure associated with the current transfer; on the basis of the money transfer amount corresponding to the target loaning money, the money transfer amount is verified, and after verification is passed, fund transfer is carried out; updating a flow relation table of a background, wherein the flow relation table is used for recording an association relation between a transfer flow and a loan flow; and querying the flow relation table to obtain an actual collection object corresponding to the target loan expenditure, and generating submission information.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a data reporting method, device, equipment and medium. Background Art

[0002] The bank's corporate business includes corporate electronic banking, unit deposit business, credit business, institutional business, international business, entrusted housing finance, fund clearing, intermediary business, asset promotion, fund custody, etc. Among them, the bank's corporate loan business is an important part of financial management.

[0003] In the prior art, in order to prevent corporate loans from being unable to penetrate the first-hand direct payee through the internal account transition (that is, the two steps of depositing the loan funds into the internal account and the subsequent transfer of funds from the internal account are unrelated), the user usually enters the actual payee information during the loan stage.

[0004] However, there may be inconsistencies between the actual payee information entered during the loan disbursement stage and the payee information during subsequent transfers, resulting in poor quality of regulatory reporting and failure to meet regulatory requirements. Summary of the invention

[0005] The embodiments of the present application provide a data reporting method, apparatus, device and medium for implementing tracking management of credit funds after loan disbursement and improving the quality of regulatory reporting.

[0006] In a first aspect, a data reporting method is provided, the method comprising:

[0007] Displaying a credit transfer interface, and in response to an input operation triggered on the credit transfer interface, obtaining the current transfer amount input by the input object and the target loan expenditure associated with the current transfer selected;

[0008] Based on the transferable amount corresponding to the target loan expenditure, the transfer amount is verified, and after the verification is passed, the funds are transferred;

[0009] Update the transaction relationship table in the background, which is used to record the relationship between transfer transactions and loan disbursement transactions;

[0010] Query the transaction relationship table to obtain the actual recipient corresponding to the target loan expenditure and generate reporting information.

[0011] In a possible embodiment, a credit transfer interface is displayed, and in response to an input operation triggered on the credit transfer interface, before obtaining the current transfer amount input by the input object and the target loan expenditure associated with the current transfer selected, the method further includes:

[0012] The basic transfer interface is displayed, which includes: a credit selection box;

[0013] In response to the operation of selecting the credit selection box, jump to the credit transfer interface.

[0014] Through the above method, a credit transfer interface different from the basic transfer interface is provided, which can obtain the transfer amount entered by the input object and the target loan expenditure associated with the selected transfer.

[0015] In a possible embodiment, in response to an input operation triggered on a credit transfer interface, obtaining the current transfer amount input by the input object and the target loan expenditure associated with the current transfer selected includes:

[0016] Obtain the loan contract number input by the input object, and display the loan disbursement list corresponding to the loan contract number;

[0017] In response to the operation of selecting a target loan disbursement in the loan disbursement list, the target loan disbursement and the input amount for this transfer are obtained.

[0018] Through the above method, the transfer amount and its associated target loan expenditure can be obtained, thereby achieving a strong association between the transfer amount and the target loan expenditure.

[0019] In a possible embodiment, based on the transferable amount corresponding to the target loan expenditure, verifying the current transfer amount includes:

[0020] If the current transfer amount is less than or equal to the transferable amount corresponding to the target loan expenditure, the transfer amount verification is determined to have passed;

[0021] If the transfer amount is greater than the transferable amount corresponding to the target loan expenditure, it is determined that the transfer amount verification has failed.

[0022] The above method can prevent accounting errors.

[0023] In a possible embodiment, after the funds are transferred, the following steps are further included:

[0024] Update the transferable amount of the target loan expenditure.

[0025] In a possible embodiment, the method further includes:

[0026] Loan expenditures that have not been transferred from internal accounts to non-internal accounts after exceeding the preset time period, or loan expenditures whose transferable amount is not 0 after exceeding the preset time period, will be treated as loan expenditures to be verified, and verification prompt information will be generated and sent to the target notification object.

[0027] Through the above method, the target notification object is notified of the loan expenditure to be verified, avoiding the situation where some transfers are not bound to the loan expenditure and the remaining transferable amount of the loan expenditure is inaccurate, further improving the accuracy of regulatory reporting and meeting regulatory requirements.

[0028] In a second aspect, the present application provides a data reporting device, the device comprising:

[0029] An acquisition module, used to display a credit transfer interface, and in response to an input operation triggered on the credit transfer interface, obtain the current transfer amount input by the input object and the target loan expenditure associated with the current transfer selected;

[0030] The verification module is used to verify the transfer amount based on the transferable amount corresponding to the target loan expenditure, and transfer the funds after the verification is passed;

[0031] The update module is used to update the transaction relationship table in the background. The transaction relationship table is used to record the relationship between the transfer transaction and the loan disbursement transaction;

[0032] The reporting module is used to query the transaction relationship table, obtain the actual recipient corresponding to the target loan expenditure, and generate reporting information.

[0033] In a possible embodiment, a credit transfer interface is displayed, and in response to an input operation triggered on the credit transfer interface, before obtaining the current transfer amount input by the input object and the target loan expenditure associated with the current transfer selected, the acquisition module is further used to:

[0034] The basic transfer interface is displayed, which includes: a credit selection box;

[0035] In response to the operation of selecting the credit selection box, jump to the credit transfer interface.

[0036] In a possible embodiment, in response to an input operation triggered on a credit transfer interface, when obtaining the current transfer amount input by the input object and the target loan expenditure associated with the current transfer selected, the acquisition module is further used to:

[0037] Obtain the loan contract number input by the input object, and display the loan disbursement list corresponding to the loan contract number;

[0038] In response to the operation of selecting a target loan disbursement in the loan disbursement list, the target loan disbursement and the input amount for this transfer are obtained.

[0039] In a possible embodiment, when verifying the current transfer amount based on the transferable amount corresponding to the target loan expenditure, the verification module is further used to:

[0040] If the current transfer amount is less than or equal to the transferable amount corresponding to the target loan expenditure, the transfer amount verification is determined to have passed;

[0041] If the transfer amount is greater than the transferable amount corresponding to the target loan expenditure, it is determined that the transfer amount verification has failed.

[0042] In a possible embodiment, after the funds are transferred, the update module is further used to:

[0043] Update the transferable amount of the target loan expenditure.

[0044] In a possible embodiment, a processing module is further included, and the processing module is used to:

[0045] Loan expenditures that have not been transferred from internal accounts to non-internal accounts after exceeding the preset time period, or loan expenditures whose transferable amount is not 0 after exceeding the preset time period, will be treated as loan expenditures to be verified, and verification prompt information will be generated and sent to the target notification object.

[0046] In a third aspect, the present application provides an electronic device, including:

[0047] A memory for storing program instructions;

[0048] The processor is used to call the program instructions stored in the memory, and execute the steps included in any one of the methods in the first aspect according to the obtained program instructions.

[0049] In a fourth aspect, the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a computer, the computer executes any one of the methods described in the first aspect.

[0050] In a fifth aspect, the present application provides a computer program product, comprising: a computer program code, when the computer program code is run on a computer, the computer executes any one of the methods described in the first aspect.

[0051] In an embodiment of the present application, a credit transfer interface is displayed, and in response to an input operation triggered on the credit transfer interface, the transfer amount entered by the input object and the target loan expenditure associated with the selected transfer are obtained; based on the transferable amount of expenditure corresponding to the target loan expenditure, the transfer amount is verified, and after the verification is passed, the funds are transferred; the background transaction relationship table is updated, and the transaction relationship table is used to record the association between the transfer flow and the loan disbursement flow; the transaction relationship table is queried to obtain the actual recipient corresponding to the target loan expenditure, and generate reporting information. In this way, when inputting the object transfer, the target loan expenditure associated with this transfer is selected, and the transfer and loan expenditure are strongly associated, realizing the effective association between the two steps of depositing the loan funds into the internal account and the subsequent transfer of funds from the internal account. After the transfer, the association between the transfer flow and the loan disbursement flow in the flow relationship table is updated. Based on the flow relationship table, the actual recipient corresponding to the accurate target loan expenditure can be obtained, ensuring the accuracy of the reported information, realizing the tracking management of credit funds after loan disbursement, and improving the quality of regulatory reporting. BRIEF DESCRIPTION OF THE DRAWINGS

[0052] Figure 1 A schematic diagram of an application scenario provided for an embodiment of the present application;

[0053] Figure 2 A flowchart of a data reporting method in an embodiment of the present application;

[0054] Figure 3 This is a structural schematic diagram of a data reporting device in an embodiment of the present application;

[0055] Figure 4 A structural diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0056] In order to make the purpose, technical scheme and advantages of the present application clearer, the technical scheme in the embodiment of the present application will be clearly and completely described below in conjunction with the drawings in the embodiment of the present application. Obviously, the described embodiment is only a part of the embodiment of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in the field without making creative work are within the scope of protection of the present application. In the absence of conflict, the embodiments in the present application and the features in the embodiments can be arbitrarily combined with each other. In addition, although the logical order is shown in the flow chart, in some cases, the steps shown or described can be performed in an order different from that here.

[0057] The terms "first" and "second" in the specification and claims of the present application and the above-mentioned drawings are used to distinguish different objects, rather than to describe a specific order. In addition, the term "comprising" and any of their variations are intended to cover non-exclusive protection. For example, a process, method, system, product or device comprising a series of steps or units is not limited to the listed steps or units, but optionally also includes steps or units that are not listed, or optionally also includes other steps or units inherent to these processes, methods, products or devices. "Multiple" in the present application can mean at least two, for example, two, three or more, and the embodiments of the present application are not limited.

[0058] The following is a description of exemplary embodiments of the present application in conjunction with the accompanying drawings, including various details of the embodiments of the present application to facilitate understanding, which should be considered as merely exemplary. Therefore, those of ordinary skill in the art should recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope of the present application. Similarly, for the sake of clarity and conciseness, the description of well-known functions and structures is omitted in the following description. It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, which should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0059] In the technical solution of this application, the acquisition, transmission, storage, and use of data are in compliance with the requirements of relevant national laws and regulations.

[0060] Before introducing the data reporting method provided in the embodiment of the present application, in order to facilitate understanding, the technical background of the embodiment of the present application is first introduced in detail below.

[0061] Banking business for the public sector includes corporate electronic banking, corporate deposit business, credit business, institutional business, international business, entrusted housing finance, fund settlement, intermediary business, asset promotion, fund custody, etc. Among them, bank lending business for the public sector is an important part of financial management. When lending, the bank account will pass through many internal accounts and then be transferred to non-bank accounts. For example, it will first pass through the loan center account, then the branch account, then the branch account, and finally be transferred from the branch account to the non-bank account.

[0062] In the prior art, in order to prevent corporate loans from being unable to penetrate the first-hand direct payee through the internal account transition (that is, the two steps of depositing the loan funds into the internal account and the subsequent transfer of funds from the internal account are unrelated), the user usually enters the actual payee information during the loan stage.

[0063] However, there may be inconsistencies between the actual payee information entered during the loan disbursement stage and the payee information during subsequent transfers, resulting in poor regulatory reporting quality and failure to meet regulatory requirements. In addition, when loan funds are transferred out through internal accounts, there is a lack of association with the original loan disbursement, which makes it impossible to achieve subsequent management of loan funds.

[0064] In view of this, in the embodiment of the present application, a data reporting method, device, equipment and medium are provided. A credit transfer interface is displayed, and in response to an input operation triggered on the credit transfer interface, the current transfer amount entered by the input object and the target loan expenditure associated with the current transfer selected are obtained, and then the current transfer amount is verified based on the transferable amount of expenditure corresponding to the target loan expenditure, and after the verification is passed, the funds are transferred, and then the backend flow relationship table and the transferable amount of expenditure corresponding to the target loan expenditure are updated, wherein the flow relationship table is used to record the association between the transfer flow and the loan flow, and finally the flow relationship table is queried to obtain the actual recipient corresponding to the target loan expenditure, and the reporting information is generated. In this way, the target loan expenditure associated with this transfer is selected, and the transfer and loan expenditure are strongly associated, which realizes the effective association between the two steps of depositing loan funds into the internal account and the subsequent transfer of funds from the internal account. After the transfer, the association between the transfer flow and the loan disbursement flow in the flow relationship table is updated. Based on the flow relationship table, the actual recipient corresponding to the accurate target loan expenditure can be obtained, which ensures the accuracy of the reported information, realizes the tracking management of credit funds after loan disbursement, and improves the quality of regulatory reporting.

[0065] The preferred implementation modes of the present application are described in detail below with reference to the accompanying drawings.

[0066] See also Figure 1 , which is a schematic diagram of a possible application scenario in an embodiment of the present application. The application scenario diagram includes a server 110 and a terminal device 120 (including a terminal device 1201, a terminal device 1202 ... a terminal device 120n).

[0067] The server 110 may be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDN), and big data and artificial intelligence platforms. The terminal device 120 and the server 110 may be directly or indirectly connected via wired or wireless communication, which is not limited in this application.

[0068] The terminal device 120 includes but is not limited to mobile phones, tablet computers, laptop computers, desktop computers, e-book readers, intelligent voice interaction devices and other devices; various software can be installed on the terminal device, such as applications and applets.

[0069] It should be noted that Figure 1 The figure is only an example. In fact, the number of terminal devices 120 and servers 110 is not limited and is not specifically limited in the embodiments of the present application.

[0070] See also Figure 2 As shown, it is a flow chart of the data reporting method of the embodiment of the present application. Figure 2 , the specific operations performed by the data reporting method are described in detail:

[0071] Step 20: Display the credit transfer interface, and in response to the input operation triggered on the credit transfer interface, obtain the transfer amount entered by the input object and the target loan expenditure associated with the selected transfer.

[0072] Among them, the input object is the user who has the need to transfer money.

[0073] The data reporting method of the embodiment of the present application is applied to internal account transfers to public demand deposit transactions and settlements, domestic remittances of public RMB, T / T remittances, intra-bank foreign exchange transfer transactions, and various scenarios involving internal account fund transfers in a centralized operating system (Centralized OperationSysterm_Teller, COS_T).

[0074] In an embodiment of the present application, before the credit transfer interface is displayed, a basic transfer interface is displayed on the terminal device, and in response to the operation of selecting the credit selection box, the interface jumps to the credit transfer interface.

[0075] Among them, the basic transfer interface displays: credit selection box.

[0076] For example, a credit selection box is displayed in the basic transfer interface. When the input object uses credit transfer, the credit selection box is clicked. In response to the operation of selecting the credit selection box, the server displays the credit transfer interface.

[0077] In this way, a credit transfer interface different from the basic transfer interface is provided, which can obtain the transfer amount entered by the input object and the target loan expenditure associated with the selected transfer.

[0078] Optionally, in an embodiment of the present application, in order to obtain the current transfer amount input by the input object and the target loan expenditure associated with the current transfer selected in response to an input operation triggered on the credit transfer interface, a possible embodiment is provided, and the specific steps are as follows:

[0079] Step 200: Obtain the loan contract number input by the input object, and display the loan disbursement list corresponding to the loan contract number.

[0080] Among them, the information displayed for each loan expenditure in the loan expenditure list includes the customer number, the amount loaned to the internal account, the amount of the loan transferred, the remaining transferable amount, etc.

[0081] In an embodiment of the present application, the credit transfer interface displays: a loan disbursement query box. When the input object is input in the loan disbursement query box, the input operation is triggered. The server responds to the input operation triggered in the loan disbursement query box, obtains the loan contract number entered by the input object, queries the loan disbursement information table, obtains the loan disbursement information corresponding to the loan contract number, and displays the loan disbursement list corresponding to the loan contract number.

[0082] In addition, it is worth noting that the input object can also enter the loan contract number and expenditure sequence number to query the loan expenditure, which is not limited in the embodiments of the present application.

[0083] Step 201: In response to the operation of selecting a target loan expenditure in the loan expenditure list, the target loan expenditure and the input amount for this transfer are obtained.

[0084] In an embodiment of the present application, after the loan expenditure list is displayed, the input object checks the loan expenditure required for this transfer and enters the transfer amount. The server responds to the operation of selecting the target loan expenditure in the loan expenditure list and obtains the target loan expenditure and the transfer amount.

[0085] In this way, a loan expenditure list is provided, and based on the input of the input object, the current transfer amount and its associated target loan expenditure can be obtained, thereby achieving a strong association between the current transfer amount and the target loan expenditure.

[0086] Furthermore, in an embodiment of the present application, after obtaining the transfer amount entered by the input object and the target loan expenditure associated with the selected transfer, the credit transfer interface is closed, and the transfer amount is brought back to the basic transfer interface. After the input object fills in other elements of the existing transfer transactions of deposits, payment settlements, and COS_T, the transfer information is submitted to the server.

[0087] Step 21: Based on the transferable amount corresponding to the target loan expenditure, verify the transfer amount and transfer the funds after the verification is passed.

[0088] In an embodiment of the present application, the loan expenditure information table is queried to obtain the transferable amount of expenditure corresponding to the target loan expenditure, and based on the transferable amount of expenditure corresponding to the target loan expenditure, the transfer amount is verified, and after the verification is passed, the deposit and payment transfer transaction is called to complete the fund transfer.

[0089] Optionally, in the embodiment of the present application, a possible embodiment is provided to verify the transfer amount, and the specific steps are as follows:

[0090] Step 210: Determine whether the transfer amount is less than or equal to the transferable amount corresponding to the target loan expenditure. If so, execute step 211; otherwise, execute step 212.

[0091] Step 211: Determine whether the transfer amount verification has passed.

[0092] In the embodiment of the present application, if the transfer amount is less than or equal to the transferable amount corresponding to the target loan expenditure, it is determined that the transfer amount verification has passed.

[0093] Step 212: Determine that the transfer amount verification fails.

[0094] In an embodiment of the present application, if the transfer amount is greater than the transferable amount corresponding to the target loan expenditure, it is determined that the transfer amount verification has failed, and a transaction error is reported, reminding the input object to re-enter the transfer amount or reselect the target loan expenditure.

[0095] This way, accounting errors can be prevented.

[0096] Step 22: Update the backend flow relationship table.

[0097] Among them, the transaction relationship table is used to record the relationship between transfer transactions and loan disbursement transactions. Transfer transactions refer to the account records generated after the bank conducts a transfer transaction, and loan disbursement transactions refer to the transaction records of loan disbursement.

[0098] The transfer records include: transfer date, transfer time, transfer institution, transfer operation user, recipient, transfer amount, transfer transaction serial number, whether to reverse, whether to re-enter, etc. The loan disbursement records include: corporate loan contract number, disbursement sequence number / collaborative service loan batch number / advance sequence number, borrower, currency, disbursement amount, product name, product number, amount disbursed to internal account, amount transferred, remaining disbursement transferable amount, etc.

[0099] In the embodiment of the present application, based on the transfer of funds this time, new transfer flow, loan disbursement flow and associated relationships are added to the flow relationship table.

[0100] For example, this fund transfer involves transfer flow 1 and loan disbursement flow 1, and transfer flow 1 and loan disbursement flow 1 are recorded in association.

[0101] In this way, the transfer flows corresponding to the disbursement of corporate loans are linked, which enables the addition, deletion, and modification of the transfer flows corresponding to the disbursement of loans, realizes the tracking management of credit funds after disbursement, and meets the regulatory requirements.

[0102] Step 23: Query the transaction relationship table to obtain the actual recipient corresponding to the target loan expenditure and generate reporting information.

[0103] In an embodiment of the present application, a transaction relationship table is queried to obtain the target loan disbursement transaction to which the target loan disbursement belongs, then the target transfer transaction associated with the target loan disbursement transaction is obtained, and then the payment recipient recorded in the target transfer transaction is obtained, and finally the obtained payment recipient is used as the actual payment recipient corresponding to the target loan disbursement, reporting information is generated, and the reporting information is reported to the target receiving object.

[0104] Furthermore, in an embodiment of the present application, the transferable amount of the expenditure corresponding to the target loan expenditure in the loan expenditure information table is simultaneously updated, wherein the loan expenditure information table is used to store information on each loan expenditure corresponding to each loan contract number.

[0105] Optionally, in an embodiment of the present application, loan expenditures that have not been transferred from an internal account to a non-internal account after a preset time period, or loan expenditures whose transferable amount is not 0 after a preset time period, can also be treated as loan expenditures to be verified, and verification prompt information can be generated and sent to the target notification object, so that the target notification object can verify the transferable amount of the loan expenditure to be verified and supplement the corresponding information.

[0106] Among them, the target notification objects are bank staff, such as account managers and account management managers.

[0107] In the embodiment of the present application, the verification prompt information is sent to the application (Application, APP) or client of the target notification object.

[0108] In addition, it is worth noting that the daily loan expenditures to be verified can be summarized and verification reminder information can be generated together, and the verification reminder information can be sent to the target notification object. This is not limited in the embodiments of the present application.

[0109] In this way, the target notification object will be notified of the loan expenditure to be verified for supplementary recording and verification, thus avoiding the situation where some transfers (such as counter transfers) are not bound to loan expenditures and the remaining transferable amount of loan expenditures is inaccurate, further improving the accuracy of regulatory reporting and meeting regulatory requirements.

[0110] Based on the above embodiments, see Figure 3The figure is a schematic diagram of the architecture of the data reporting device in the embodiment of the present application, which specifically includes:

[0111] The acquisition module 301 is used to display the credit transfer interface, and in response to the input operation triggered on the credit transfer interface, obtain the current transfer amount input by the input object and the target loan expenditure associated with the current transfer selected;

[0112] Verification module 302, used to verify the current transfer amount based on the transferable amount corresponding to the target loan expenditure, and transfer the funds after the verification is passed;

[0113] An updating module 303 is used to update the backend transaction relationship table, which includes the association between the transfer transaction and the loan disbursement transaction;

[0114] The reporting module 304 is used to query the transaction relationship table, obtain the actual payment recipient corresponding to the target loan expenditure, and generate reporting information.

[0115] In a possible embodiment, a credit transfer interface is displayed, and in response to an input operation triggered on the credit transfer interface, before obtaining the current transfer amount input by the input object and the target loan expenditure associated with the current transfer selected, the acquisition module 301 is further used to:

[0116] The basic transfer interface is displayed, which includes: a credit selection box;

[0117] In response to the operation of selecting the credit selection box, jump to the credit transfer interface.

[0118] In a possible embodiment, in response to an input operation triggered on the credit transfer interface, when obtaining the current transfer amount input by the input object and the target loan expenditure associated with the current transfer selected, the acquisition module 301 is further used to:

[0119] Obtain the loan contract number input by the input object, and display the loan disbursement list corresponding to the loan contract number;

[0120] In response to the operation of selecting a target loan disbursement in the loan disbursement list, the target loan disbursement and the input amount for this transfer are obtained.

[0121] In a possible embodiment, when verifying the current transfer amount based on the transferable amount corresponding to the target loan expenditure, the verification module 302 is further used to:

[0122] If the current transfer amount is less than or equal to the transferable amount corresponding to the target loan expenditure, the transfer amount verification is determined to have passed;

[0123] If the transfer amount is greater than the transferable amount corresponding to the target loan expenditure, it is determined that the transfer amount verification has failed.

[0124] In a possible embodiment, after the funds are transferred, the updating module 303 is further used to:

[0125] Update the transferable amount of the target loan expenditure.

[0126] In a possible embodiment, a processing module 305 is further included, and the processing module 305 is used to:

[0127] Loan expenditures that have not been transferred from internal accounts to non-internal accounts after exceeding the preset time period, or loan expenditures whose transferable amount is not 0 after exceeding the preset time period, will be treated as loan expenditures to be verified, and verification prompt information will be generated and sent to the target notification object.

[0128] Based on the same inventive concept, the embodiment of the present application provides an electronic device, which can realize the function of lending to the public discussed above, please refer to Figure 4 , the device includes a processor 401 and a memory 402.

[0129] The processor 401 calls the program instructions stored in the memory 402, and the processor 401 is used to execute any data reporting method in the embodiments of the present application according to the obtained program instructions.

[0130] Based on the same inventive concept, the embodiment of the present application provides a computer-readable storage medium, and the computer program product includes: computer program code, when the computer program code is executed on a computer, the computer executes any of the data reporting methods discussed above. Since the principle of solving the problem by the above-mentioned computer-readable storage medium is similar to that of the data reporting method, the implementation of the above-mentioned computer-readable storage medium can refer to the implementation of the method, and the repeated parts will not be repeated.

[0131] Based on the same inventive concept, the embodiment of the present application also provides a computer program product, which includes: computer program code, when the computer program code is run on a computer, the computer executes any of the data reporting methods discussed above. Since the principle of solving the problem by the above computer program product is similar to the method for determining the amount of public loans, the implementation of the above computer program product can refer to the implementation of the method, and the repeated parts will not be repeated.

[0132] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0133] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0134] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0135] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of user-operated steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for executing on the computer or other programmable device to implement the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0136] Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

Claims

1. A data reporting method, characterized in that: include: Displaying a credit transfer interface, and in response to an input operation triggered on the credit transfer interface, obtaining the current transfer amount input by the input object and the target loan expenditure associated with the current transfer selected; Based on the transferable amount corresponding to the target loan expenditure, verify the transfer amount, and transfer the funds after the verification is passed; Update the transaction relationship table in the background, which is used to record the relationship between the transfer transaction and the loan disbursement transaction; Query the transaction relationship table to obtain the actual recipient corresponding to the target loan expenditure and generate reporting information.

2. The method according to claim 1, characterized in that The display of the credit transfer interface, in response to an input operation triggered on the credit transfer interface, before obtaining the current transfer amount input by the input object and the target loan expenditure associated with the current transfer selected, further comprises: Displaying a basic transfer interface, wherein the basic transfer interface displays: a credit selection box; In response to the operation of selecting the credit selection box, the interface jumps to the credit transfer interface.

3. The method according to claim 1, characterized in that The step of obtaining the current transfer amount input by the input object and the target loan expenditure associated with the current transfer selected in response to the input operation triggered on the credit transfer interface includes: Obtaining the loan contract number input by the input object, and displaying a loan disbursement list corresponding to the loan contract number; In response to the operation of selecting the target loan disbursement in the loan disbursement list, the target loan disbursement and the input amount for this transfer are obtained.

4. The method according to claim 1, characterized in that The step of verifying the current transfer amount based on the transferable amount corresponding to the target loan expenditure includes: If the current transfer amount is less than or equal to the transferable amount corresponding to the target loan expenditure, it is determined that the current transfer amount verification has passed; If the transfer amount is greater than the transferable amount corresponding to the target loan expenditure, it is determined that the transfer amount verification has failed.

5. The method according to claim 1, characterized in that After the transfer of funds, it also includes: Update the transferable amount of the expenditure corresponding to the target loan expenditure.

6. The method according to claim 1, characterized in that The method further comprises: Loan disbursements that have not been transferred from the internal account to the non-internal account after exceeding the preset time period, or loan disbursements whose transferable amount is not 0 after exceeding the preset time period, will be treated as loan disbursements to be verified, and verification prompt information will be generated and sent to the target notification object.

7. A data reporting device, characterized in that: include: An acquisition module, used to display a credit transfer interface, and in response to an input operation triggered on the credit transfer interface, obtain the current transfer amount input by the input object and the target loan expenditure associated with the current transfer selected; A verification module, for verifying the current transfer amount based on the transferable amount corresponding to the target loan expenditure, and transferring the funds after the verification is passed; An update module is used to update the backend transaction relationship table, which is used to record the association between the transfer transaction and the loan disbursement transaction; The reporting module is used to query the transaction relationship table, obtain the actual payment recipient corresponding to the target loan expenditure, and generate reporting information.

8. The device according to claim 7, characterized in that The display of the credit transfer interface, in response to an input operation triggered on the credit transfer interface, before obtaining the current transfer amount input by the input object and the target loan expenditure associated with the current transfer selected, the acquisition module is further used to: Displaying a basic transfer interface, wherein the basic transfer interface displays: a credit selection box; In response to the operation of selecting the credit selection box, the interface jumps to the credit transfer interface.

9. The device according to claim 7, characterized in that When, in response to the input operation triggered on the credit transfer interface, the current transfer amount input by the input object and the target loan expenditure associated with the current transfer selected are obtained, the acquisition module is further used to: Obtaining the loan contract number input by the input object, and displaying a loan disbursement list corresponding to the loan contract number; In response to the operation of selecting the target loan disbursement in the loan disbursement list, the target loan disbursement and the input amount for this transfer are obtained.

10. The device according to claim 7, characterized in that When verifying the current transfer amount based on the transferable amount corresponding to the target loan expenditure, the verification module is further used to: If the current transfer amount is less than or equal to the transferable amount corresponding to the target loan expenditure, it is determined that the current transfer amount verification has passed; If the transfer amount is greater than the transferable amount corresponding to the target loan expenditure, it is determined that the transfer amount verification has failed.

11. The device according to claim 7, characterized in that After the transfer of funds, the update module is also used to: Update the transferable amount of the expenditure corresponding to the target loan expenditure.

12. The device according to claim 7, characterized in that Also included is a processing module, the processing module being configured to: Loan disbursements that have not been transferred from the internal account to the non-internal account after exceeding the preset time period, or loan disbursements whose transferable amount is not 0 after exceeding the preset time period, will be treated as loan disbursements to be verified, and verification prompt information will be generated and sent to the target notification object.

13. An electronic device, characterized in that: include: A memory for storing program instructions; A processor is used to call the program instructions stored in the memory, and execute the steps included in any one of claims 1-6 according to the obtained program instructions.

14. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a computer, the computer executes the method according to any one of claims 1 to 6.

15. A computer program product, characterized in that The computer program product comprises: a computer program code, and when the computer program code is run on a computer, the computer is enabled to execute the method according to any one of claims 1 to 6.

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