Batch deduction service charge deduction processing method and device
By analyzing and converting batch deduction request documents, dynamically determine the fee deduction method, solving the problem of fixed and unreasonable fee deduction method in the existing technology, achieving the optimal fee deduction method, and improving customer experience and the efficiency of deduction processing.
Patent Information
- Application Number
- CN202311004386.9
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2023-08-10
- Publication Date
- 2025-02-25
AI Technical Summary
Under the existing batch deduction business fee charging model, the fee deduction method is fixed, which cannot meet the flexible needs of corporate customers, resulting in unreasonable handling fees, increasing the cost of corporate customers, and delaying handling fees, affecting customer experience.
By receiving deduction request files for batch deduction services, analyzing and converting them into multiple transaction instructions, obtaining the handling fee deduction parameters based on the results of the moving account processing, determining the handling fee amount information under different handling fee deduction methods, and selecting procedures The lowest fee deduction method is used for deduction.
Realize the optimal fee deduction method dynamically matches the actual information of different batch deduction instructions, avoids unreasonable customer fees losses, improves the experience of batch deduction business, solves the problem of delayed bank fees, and increases the fee deduction Collection and processing efficiency.
Smart Images
Figure CN119515369A_ABST
Abstract
Description
Technical Field
[0001] The present invention relates to the field of mobile internet technology, and in particular to a method and device for processing batch deduction service fees. Background Art
[0002] This section is intended to provide a background or context to the embodiments of the invention recited in the claims. No admission is made that the description herein is prior art by inclusion in this section.
[0003] Under the current batch deduction service fee charging model, when the corporate customer signs a three-party deduction agreement with the paying individual or enterprise and the bank, they can only set a single fee deduction method for each transaction scenario. However, due to the differences in the payer, amount, number of transactions and other specific information of each batch deduction instruction, the single fee deduction method is prone to unreasonable fee charging methods, and even the fee amount is far greater than the deduction amount. On the one hand, it cannot meet the flexible deduction needs of corporate customers, and unreasonable fee deduction methods will reduce the user experience of corporate customers; on the other hand, when the customer's collection needs change and apply to modify the fee deduction method, bank business personnel need to manually complete the cumbersome agreement change process to adjust the deduction model, resulting in a certain loss of manpower and time costs. At the same time, with the current day-end batch deduction method, customers cannot know the actual deduction amount of the fee in real time; the bank's batch automatic deduction or offline contact with customers to pay the fee by branch staff will also cause varying degrees of delay in the time of fee arrival. Summary of the invention
[0004] The embodiment of the present invention provides a batch deduction service fee deduction processing method, which is used to improve the work efficiency of batch deduction service fee deduction, quickly adjust the charging mode according to needs, and improve customer experience. The method includes:
[0005] Receive the deduction request file of the batch deduction business, parse the deduction request file, and obtain the deduction amount information, number of transactions information, and payee and payee information;
[0006] Convert the deduction request file into multiple transaction instructions according to the transaction number information, where each transaction instruction includes the deduction amount information and payee and payee information corresponding to a single transaction;
[0007] Sort each transaction instruction into the intra-bank settlement system or inter-bank debit and credit system to complete account movement processing;
[0008] Obtain the dynamic account processing result of the batch deduction business, and obtain the fee deduction parameters of the batch deduction business according to the dynamic account processing result; the dynamic account processing result includes successful intra-bank deduction, failed intra-bank deduction, successful inter-bank deduction, and failed inter-bank deduction; the fee deduction parameters are used to determine the fee deduction method, which includes whether to deduct, deduct by total amount, and deduct by total number of transactions;
[0009] According to the fee deduction parameters, determine the fee amount information under different fee deduction methods;
[0010] According to the fee amount information under different fee deduction methods, select the fee deduction method with the lowest fee and deduct the fees for batch deduction business.
[0011] The embodiment of the present invention further provides a batch deduction service fee deduction processing device, which is used to improve the work efficiency of batch deduction service fee deduction, quickly adjust the charging mode according to needs, and improve customer experience. The device includes:
[0012] The parsing module is used to receive the deduction request file of the batch deduction business, parse the deduction request file, and obtain the deduction amount information, the number of transactions information and the payee and payee information;
[0013] A file conversion module, used to convert the deduction request file into multiple transaction instructions according to the number of transactions, wherein each transaction instruction includes the deduction amount information and the payee and payee information corresponding to a single transaction;
[0014] The sorting module is used to sort each transaction instruction to the intra-bank settlement system or the inter-bank debit and credit system to complete the account movement processing;
[0015] The parameter acquisition module is used to obtain the dynamic account processing results of the batch deduction business, and obtain the fee deduction parameters of the batch deduction business according to the dynamic account processing results; the dynamic account processing results include successful intra-bank deduction, failed intra-bank deduction, successful inter-bank deduction, and failed inter-bank deduction; the fee deduction parameters are used to determine the fee deduction method, and the fee deduction methods include whether to deduct, deduct according to the total amount, and deduct according to the total number of transactions;
[0016] The amount calculation module is used to determine the fee amount information under different fee deduction methods according to the fee deduction parameters;
[0017] The deduction module is used to select the deduction method with the lowest fee according to the fee amount information under different fee deduction methods, and deduct the fees for batch deduction business.
[0018] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned batch deduction service fee collection processing method when executing the computer program.
[0019] An embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the above-mentioned batch deduction service fee collection processing method is implemented.
[0020] An embodiment of the present invention further provides a computer program product, which includes a computer program. When the computer program is executed by a processor, the above-mentioned batch deduction service fee collection processing method is implemented.
[0021] In an embodiment of the present invention, a deduction request file of a batch deduction business is received, the deduction request file is parsed to obtain deduction amount information, number of transactions information and payee and payee information; the deduction request file is converted into multiple transaction instructions according to the number of transactions information, wherein each transaction instruction includes the deduction amount information and payee and payee information corresponding to a single transaction; each transaction instruction is sorted into an intra-bank settlement system or an inter-bank debit and credit system to complete account movement processing; the account movement processing result of the batch deduction business is obtained, and the fee deduction parameters of the batch deduction business are obtained according to the account movement processing result; the account movement processing result includes intra-bank deduction success, intra-bank deduction failure, inter-bank deduction success and inter-bank deduction failure; the fee deduction parameters are used to determine the fee deduction method, and the fee deduction methods include whether to deduct, deduct according to the total amount and deduct according to the total number of transactions; according to the fee deduction parameters, the fee amount information under different fee deduction methods is determined; according to the fee amount information under different fee deduction methods, the deduction method with the lowest fee is selected to deduct the fee for the batch deduction business. In this way, by setting different fee deduction parameters and determining the fee amount information under different fee deduction methods, including two charging modes: fee rate based on total amount and fee deduction based on each amount, the optimal fee deduction method can be automatically matched for customers, thereby avoiding unreasonable fee losses for customers, effectively improving the user experience of batch deduction services, solving the problem of bank charging delays, and greatly improving the efficiency of fee deduction processing for batch deduction services. BRIEF DESCRIPTION OF THE DRAWINGS
[0022] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:
[0023] Figure 1 A flowchart of a batch deduction service fee deduction processing method provided in an embodiment of the present invention;
[0024] Figure 2 This is an example diagram of checking payee and payee information provided in an embodiment of the present invention;
[0025] Figure 3 A schematic diagram of a batch deduction service fee collection and processing device provided in an embodiment of the present invention;
[0026] Figure 4 Another schematic diagram of the batch deduction service fee collection and processing device provided in an embodiment of the present invention;
[0027] Figure 5 It is a structural block diagram of an electronic device provided in an embodiment of the present invention. DETAILED DESCRIPTION
[0028] To make the purpose, technical solution and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.
[0029] The term "and / or" herein only describes an association relationship, indicating that three relationships may exist. For example, A and / or B may represent the following three situations: A exists alone, A and B exist at the same time, and B exists alone. In addition, the term "at least one" herein represents any combination of at least two of any one or more of a plurality of. For example, including at least one of A, B, and C may represent including any one or more elements selected from the set consisting of A, B, and C.
[0030] In the description of this specification, the terms "include", "including", "have", "contain", etc. are all open terms, which mean including but not limited to. The descriptions with reference to the terms "one embodiment", "a specific embodiment", "some embodiments", "for example", etc. mean that the specific features, structures or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present application. In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures or characteristics described may be combined in a suitable manner in any one or more embodiments or examples. The order of steps involved in each embodiment is used to schematically illustrate the implementation of the present application, and the order of steps is not limited and can be appropriately adjusted as needed.
[0031] The embodiment of the present invention provides a batch deduction service fee deduction processing method, such as Figure 1 As shown, including:
[0032] Step 101: receiving a deduction request file of a batch deduction service, parsing the deduction request file, and obtaining deduction amount information, number of transactions information, and payee and payee information;
[0033] Step 102: converting the deduction request file into multiple transaction instructions according to the transaction number information, wherein each transaction instruction includes the deduction amount information and the payee and payee information corresponding to a single transaction;
[0034] Step 103: sorting each transaction instruction to the intra-bank settlement system or the inter-bank debit and credit system to complete the account movement processing;
[0035] Step 104: Obtain the result of the dynamic account processing of the batch deduction business, and obtain the fee deduction parameters of the batch deduction business according to the dynamic account processing result; the dynamic account processing result includes successful intra-bank deduction, failed intra-bank deduction, successful inter-bank deduction, and failed inter-bank deduction; the fee deduction parameters are used to determine the fee deduction method, and the fee deduction method includes whether to deduct, deduct according to the total amount, and deduct according to the total number of transactions;
[0036] Step 105: Determine the fee amount information under different fee deduction methods according to the fee deduction parameters;
[0037] Step 106: According to the fee amount information under different fee deduction methods, select the fee deduction method with the lowest fee, and deduct the fee for the batch deduction business.
[0038] The batch deduction service fee deduction processing method proposed in the embodiment of the present invention improves the problems of the rigidification of the batch deduction service fee collection mode, obscure parameter details, and delayed deduction time, and provides a flexible dual charging parameter setting mode for charging enterprise customers. Through the comparison and judgment of the newly added charging modes, the optimal charging mode combination is dynamically matched for the customer according to the actual information of different batch deduction instructions, so as to meet the customer's changing batch deduction needs such as large number of small amounts, small number of large amounts, etc., and the optimal solution for the fee can be achieved in the scenarios of intra-bank and inter-bank deductions, and the fee collection details can be displayed transparently, effectively improving the customer experience and enthusiasm for using the batch deduction service, and avoiding customer-related complaints; at the same time, through the real-time deduction of fees, the bank can also realize the timely arrival of revenue, which significantly saves the time and manpower costs of the end-of-day batch deduction of fees and the offline supervision of branch staff.
[0039] In one embodiment, it further includes:
[0040] After obtaining the deduction amount information, the number of transactions and the payee and payee information, verify the deduction amount information, the number of transactions and the payee and payee information;
[0041] Convert the deduction request file into multiple transaction instructions based on the transaction number information, including:
[0042] After verification, the deduction request file is converted into multiple transaction instructions based on the number of transactions.
[0043] During the specific implementation, enter and store the batch deduction agreement number, charging parameters, payment number, payer account name, payer card / account number, payee account number, name of the receiving unit and other information; read the batch file collection information submitted by the corporate customer, parse the file format and check whether the total amount and total number of transactions are correct, and match the payee and payee information with the registered data in the deduction agreement table. After passing the check, it is converted into a single transaction instruction.
[0044] Figure 2 This is an example diagram of checking the payee and payee information provided in an embodiment of the present invention. Figure 2 As shown, in one embodiment, checking the payee and payee information includes:
[0045] Step 201: Obtain the transaction agreement identifier corresponding to each transaction;
[0046] Step 202: Acquire the agreement information in the personal registration information table of the online banking toll station according to the transaction agreement identifier;
[0047] Step 203: Check the payee and payee information with the agreement information.
[0048] In one embodiment, according to the fee deduction parameter, the fee amount information under different fee deduction methods is determined, including:
[0049] When the result of the account movement processing is a successful intra-bank deduction or a successful inter-bank deduction, the handling fee amount information is determined by deducting by the total amount or by the total number of transactions respectively.
[0050] In one embodiment, according to the fee deduction parameter, the fee amount information under different fee deduction methods is determined, including:
[0051] When the result of the account movement processing is that the bank deduction fails, confirm whether the handling fee is deducted;
[0052] If you need to deduct a handling fee, confirm the fee amount:
[0053] If no handling fee is required, directly calculate the next handling fee amount.
[0054] In specific implementation, the fee amount information under different fee deduction methods is determined according to the fee deduction parameters, including:
[0055] If the result of the account movement processing is that the deduction within the bank is successful, the fee amount information is determined according to the fee deduction parameters A1 and A2 respectively:
[0056] A1: Each time according to the total amount × rate X1;
[0057] A2: Each time, the total number of transactions (n1-m1) × the cost of each transaction × 2;
[0058] Where n1 is the total number of intra-bank deductions in the batch, and m1 is the number of failed intra-bank deduction instructions.
[0059] In specific implementation, the fee amount information under different fee deduction methods is determined according to the fee deduction parameters, including:
[0060] If the result of the account movement processing is that the internal deduction fails, a handling fee needs to be deducted. The handling fee amount information is determined according to the handling fee deduction parameters B1 and B2 respectively:
[0061] B1: Each time according to the total amount × rate Y1;
[0062] B2: Each time, the total number of transactions m1 × the cost of each transaction Y2;
[0063] Among them, m1 is the number of failed deduction instructions within the bank, the fee rate Y1 cannot exceed the deduction rate X1 of successful instructions, and the fee per transaction Y2 cannot exceed the fee per successful instruction X2.
[0064] In specific implementation, the fee amount information under different fee deduction methods is determined according to the fee deduction parameters, including:
[0065] If the result of the account movement processing is that the deduction within the bank is successful, the fee amount information is determined according to the fee deduction parameters C1 and C2 respectively:
[0066] C1: Each time according to the total amount × Rate Z1
[0067] C2: Each time, the total number of transactions n2 × the cost of each transaction Z2;
[0068] Among them, n2 is the total number of inter-bank deductions within the batch.
[0069] In one embodiment, according to the fee amount information under different fee deduction methods, the fee deduction method with the lowest fee is selected to deduct the fee for batch deduction services, including:
[0070] Obtain information on the amount of handling fees determined by different deduction methods under each account processing result;
[0071] Select the lowest fee deduction method under each account processing result as the deduction method under each account processing result;
[0072] The batch deduction service fees are deducted based on the deduction method under each account processing result.
[0073] In one embodiment, the batch deduction service fee is deducted and collected, including:
[0074] According to the deduction and collection methods under each account processing result, the total amount of batch deduction service fees is summarized;
[0075] The bulk deduction service fee will be deducted based on the total amount of bulk deduction service fee.
[0076] During the specific implementation, the payee and payee information and amount in each instruction are sorted and pushed to the intra-bank settlement system and the inter-bank small loan and credit recording system for account movement processing; the instruction processing results are checked, and the charging modes and parameters for the three scenarios of intra-bank successful deduction instruction, intra-bank failed deduction instruction, and inter-bank successful deduction in the agreement are read. The amount of handling fees to be deducted under the two charging modes of total amount rate and per amount deduction are calculated, and the charging mode with the lower amount is taken as the basis for this deduction. The charging details are displayed to the customer according to the matched charging mode, and the total amount of handling fees for this batch is added up. The handling fee deduction is initiated to the charging company immediately after the collection instruction processing is completed.
[0077] In a specific embodiment, the payee enterprise enters the payment information through the client tool, generates a batch file and uploads it to the enterprise online banking, or submits a batch deduction instruction request through the online editing of the enterprise online banking;
[0078] The system parses the batch file format and verifies the amount and number of transactions;
[0079] The system verifies the payee and payee information of the instruction, and matches the transaction agreement identifier, such as the agreement number, with the agreement information in the online banking toll station personal registration information table EBANK_TP_CHSPERSONINFO;
[0080] The system sorts the instructions to the intra-bank settlement system and the inter-bank small loan and credit system to complete the account movement processing;
[0081] The system reads the deduction parameters of the internal deduction fee charging modes A1 and A2, and calculates the fee amount to be deducted based on the total amount rate and each fee respectively. After comparing the amounts, the charging mode with the lower amount is:
[0082] if The charging mode for this batch of intra-bank deductions is A1-based on the total amount rate;
[0083] if The charging mode for this batch of internal debits is A2-based on each fee;
[0084] The system reads whether the failed internal deduction instruction is charged. If it is set to be charged, the system reads the deduction parameters under the handling fee charging mode B1 and B2 of the failed internal deduction instruction, and calculates the handling fee amount to be deducted based on the total amount rate and each fee respectively:
[0085] if The charging mode for this batch of failed internal deduction instructions is B1-based on the total amount rate;
[0086] if The charging mode for this batch of failed internal debit instructions is B2-fee per transaction;
[0087] The system reads the deduction parameters of the inter-bank deduction fee charging modes C1 and C2, and calculates the fee amount to be deducted based on the total amount rate and each fee respectively. After comparing the amounts, the charging mode with the lower amount is:
[0088] if The charging mode for this batch of intra-bank deductions is C1-based on the total amount rate;
[0089] if The charging mode for this batch of internal deductions is C2-per-transaction fee;
[0090] Here is an example:
[0091] A corporate customer sets the intra-bank deduction charging mode A1 to deduct a handling fee of 2% of the total amount, and the charging mode A2 to deduct a handling fee of 2 yuan per transaction; the intra-bank failed deduction instruction charging mode B1 is to deduct a handling fee of 1% of the total amount, and the charging mode B2 is to deduct a handling fee of 1 yuan per transaction; the inter-bank deduction fee charging mode C1 is to deduct a handling fee of 3% of the total amount, and the charging mode C2 is to deduct a handling fee of 5 yuan per transaction.
[0092] This time, the enterprise initiated a batch deduction, in which 400 individuals who paid within the bank were charged 200 yuan each, and 200 individuals who paid at other banks were charged 100 yuan each, totaling 100,000 yuan in batch deduction instructions. After the account was processed, 390 instructions for the internal deduction were successfully processed, and 10 instructions failed to be processed; 200 inter-bank instructions were successfully sent and processed. At this time, the A1 mode handling fee is 1,560 yuan, and the A2 mode handling fee is 780 yuan. If the A2 mode is selected, the handling fee is 2 yuan per fee; the B1 mode handling fee is 20 yuan, and the B2 mode handling fee is 10 yuan. If the B2 mode is selected, the handling fee is 1 yuan per fee; the C1 mode handling fee is 600 yuan, and the C2 mode handling fee is 1,000 yuan. If the C1 mode is selected, the handling fee is deducted at a rate of 3% of the total amount; the final total amount of handling fees deducted is 1,390 yuan;
[0093] The system determines the charging parameters of successful instructions within the bank, failed instructions, and inter-bank instructions, and displays the deduction parameters and details of the three scenarios in the batch to the customer;
[0094] The system summarizes the total amount of handling fees for this batch deduction instruction, deducts the corresponding fees from the default charging account of the charging enterprise in real time, and completes all account movement processing for this transaction.
[0095] The present invention also provides a batch deduction service fee collection processing device, as described in the following embodiments. Since the principle of the device to solve the problem is similar to the batch deduction service fee collection processing method, the implementation of the device can refer to the implementation of the method, and the repeated parts will not be repeated.
[0096] Figure 3 FIG. 1 is a schematic diagram of a batch deduction service fee deduction processing device provided in an embodiment of the present invention. Figure 3 As shown, the device comprises:
[0097] The parsing module 301 is used to receive a deduction request file of a batch deduction service, parse the deduction request file, and obtain deduction amount information, number of transactions information, and payee and payee information;
[0098] The file conversion module 302 is used to convert the deduction request file into multiple transaction instructions according to the transaction number information, wherein each transaction instruction includes the deduction amount information and the payee and payee information corresponding to a single transaction;
[0099] Sorting module 303, used to sort each transaction instruction to the intra-bank settlement system or inter-bank debit and credit system to complete account movement processing;
[0100] The parameter acquisition module 304 is used to obtain the dynamic account processing result of the batch deduction business, and obtain the fee deduction parameters of the batch deduction business according to the dynamic account processing result; the dynamic account processing result includes successful intra-bank deduction, failed intra-bank deduction, successful inter-bank deduction, and failed inter-bank deduction; the fee deduction parameters are used to determine the fee deduction method, and the fee deduction method includes whether to deduct, deduct according to the total amount, and deduct according to the total number of transactions;
[0101] The amount calculation module 305 is used to determine the fee amount information under different fee deduction methods according to the fee deduction parameters;
[0102] The deduction module 306 is used to select the deduction method with the lowest handling fee according to the handling fee amount information under different handling fee deduction methods, and deduct the handling fee for batch deduction services.
[0103] See Figure 4 In one embodiment, it further includes an information checking module 401, which is specifically used to:
[0104] After obtaining the deduction amount information, the number of transactions and the payee and payee information, verify the deduction amount information, the number of transactions and the payee and payee information;
[0105] The file conversion module 302 is specifically used for:
[0106] After verification, the deduction request file is converted into multiple transaction instructions based on the number of transactions.
[0107] In one embodiment, the information checking module 401 is specifically used for:
[0108] Get the transaction protocol identifier corresponding to each transaction;
[0109] Obtain the agreement information in the personal registration information form of the online banking toll station according to the transaction agreement identifier;
[0110] Check the payee and payee information with the agreement information.
[0111] The amount calculation module 305 is specifically used for:
[0112] If the result of the account movement processing is that the deduction within the bank is successful, the fee amount information is determined according to the fee deduction parameters A1 and A2 respectively:
[0113] A1: Each time according to the total amount × rate X1;
[0114] A2: Each time, the total number of transactions (n1-m1) × the cost of each transaction × 2;
[0115] Where n1 is the total number of intra-bank deductions in the batch, and m1 is the number of failed intra-bank deduction instructions.
[0116] The amount calculation module 305 is specifically used for:
[0117] If the result of the account movement processing is that the internal deduction fails, the fee amount information is determined according to the fee deduction parameters B1 and B2 respectively:
[0118] B1: Each time according to the total amount × rate Y1;
[0119] B2: Each time, the total number of transactions m1 × the cost of each transaction Y2;
[0120] Among them, m1 is the number of failed deduction instructions within the bank, the fee rate Y1 cannot exceed the deduction rate X1 of successful instructions, and the fee per transaction Y2 cannot exceed the fee per successful instruction X2.
[0121] The amount calculation module 305 is specifically used for:
[0122] If the result of the account movement processing is that the inter-bank deduction is successful, the fee amount information is determined according to the fee deduction parameters C1 and C2 respectively:
[0123] C1: Each time according to the total amount × Rate Z1
[0124] C2: Each time, the total number of transactions n2 × the cost of each transaction Z2;
[0125] Among them, n2 is the total number of inter-bank deductions within the batch.
[0126] Based on the above invention concept, Figure 5 As shown, the present invention also proposes a computer device 500, including a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and executable on the processor 520, wherein the processor 520 implements the above-mentioned batch deduction service fee collection processing method when executing the computer program 530.
[0127] An embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the above-mentioned batch deduction service fee collection processing method is implemented.
[0128] An embodiment of the present invention further provides a computer program product, which includes a computer program. When the computer program is executed by a processor, the above-mentioned batch deduction service fee collection processing method is implemented.
[0129] In summary, in the embodiment of the present invention, a deduction request file of a batch deduction business is received, the deduction request file is parsed to obtain deduction amount information, number of transactions information and payee and payee information; the deduction request file is converted into multiple transaction instructions according to the number of transactions information, wherein each transaction instruction includes deduction amount information and payee and payee information corresponding to a single transaction; each transaction instruction is sorted into an intra-bank settlement system or an inter-bank debit and credit system to complete account movement processing; the account movement processing result of the batch deduction business is obtained, and the batch deduction is obtained according to the account movement processing result. Fee deduction parameters for the business; the results of account movement processing include successful intra-bank deduction, failed intra-bank deduction, successful inter-bank deduction, and failed inter-bank deduction; fee deduction parameters are used to determine the fee deduction method, which includes whether to deduct, deduct by total amount, and deduct by total number of transactions; according to the fee deduction parameters, determine the fee amount information under different fee deduction methods; according to the fee amount information under different fee deduction methods, select the deduction method with the lowest fee to deduct the fee for batch deduction business. In this way, by setting different fee deduction parameters, determining the fee amount information under different fee deduction methods, including two charging modes of deducting by total amount rate and deducting by each amount, the optimal fee deduction method can be automatically matched for customers, avoiding unreasonable fee losses for customers, effectively improving the user experience of batch deduction business, solving the problem of bank fee delays, and greatly improving the efficiency of fee deduction processing for batch deduction business.
[0130] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.
[0131] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks 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.
[0132] 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.
[0133] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing 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.
[0134] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.
Claims
1. A batch deduction service fee deduction processing method, characterized in that: include: Receive the deduction request file of the batch deduction business, parse the deduction request file, and obtain the deduction amount information, number of transactions information, and payee and payee information; Convert the deduction request file into multiple transaction instructions according to the transaction number information, where each transaction instruction includes the deduction amount information and payee and payee information corresponding to a single transaction; Sort each transaction instruction into the intra-bank settlement system or inter-bank debit and credit system to complete account movement processing; Obtain the dynamic account processing result of the batch deduction business, and obtain the fee deduction parameters of the batch deduction business according to the dynamic account processing result; the dynamic account processing result includes successful intra-bank deduction, failed intra-bank deduction, successful inter-bank deduction, and failed inter-bank deduction; the fee deduction parameters are used to determine the fee deduction method, which includes whether to deduct, deduct by total amount, and deduct by total number of transactions; According to the fee deduction parameters, determine the fee amount information under different fee deduction methods; According to the fee amount information under different fee deduction methods, select the fee deduction method with the lowest fee and deduct the fees for batch deduction business.
2. The method according to claim 1, characterized in that Also includes: After obtaining the deduction amount information, the number of transactions and the payee and payee information, verify the deduction amount information, the number of transactions and the payee and payee information; Convert the deduction request file into multiple transaction instructions based on the transaction number information, including: After verification, the deduction request file is converted into multiple transaction instructions based on the number of transactions.
3. The method according to claim 2, characterized in that Verify the payee and payee information including: Get the transaction protocol identifier corresponding to each transaction; Obtain the agreement information in the personal registration information form of the online banking toll station according to the transaction agreement identifier; Check the payee and payee information with the agreement information.
4. The method according to claim 1, characterized in that According to the fee deduction parameters, determine the fee amount information under different fee deduction methods, including: When the result of the account movement processing is a successful intra-bank deduction or a successful inter-bank deduction, the handling fee amount information is determined by deducting by the total amount or by the total number of transactions respectively.
5. The method according to claim 4, characterized in that According to the fee deduction parameters, determine the fee amount information under different fee deduction methods, including: When the result of the account movement processing is that the bank deduction fails, confirm whether the handling fee is deducted; If you need to deduct a handling fee, confirm the fee amount: If no handling fee is required, directly calculate the next handling fee amount.
6. The method according to claim 1, characterized in that According to the fee amount information under different fee deduction methods, select the fee deduction method with the lowest fee and deduct the fee for batch deduction business, including: Obtain information on the amount of handling fees determined by different deduction methods under each account processing result; Select the lowest fee deduction method under each account processing result as the deduction method under each account processing result; The batch deduction service fees are deducted based on the deduction method under each account processing result.
7. The method according to claim 6, characterized in that Deductions are processed for batch deduction service fees, including: According to the deduction and collection methods under each account processing result, the total amount of batch deduction service fees is summarized; The bulk deduction service fee will be deducted based on the total amount of bulk deduction service fee.
8. A batch deduction service fee collection and processing device, characterized in that: include: The parsing module is used to receive the deduction request file of the batch deduction business, parse the deduction request file, and obtain the deduction amount information, the number of transactions information and the payee and payee information; A file conversion module, used to convert the deduction request file into multiple transaction instructions according to the number of transactions, wherein each transaction instruction includes the deduction amount information and the payee and payee information corresponding to a single transaction; The sorting module is used to sort each transaction instruction to the intra-bank settlement system or the inter-bank debit and credit system to complete the account movement processing; The parameter acquisition module is used to obtain the dynamic account processing results of the batch deduction business, and obtain the fee deduction parameters of the batch deduction business according to the dynamic account processing results; the dynamic account processing results include successful intra-bank deduction, failed intra-bank deduction, successful inter-bank deduction, and failed inter-bank deduction; the fee deduction parameters are used to determine the fee deduction method, and the fee deduction methods include whether to deduct, deduct according to the total amount, and deduct according to the total number of transactions; The amount calculation module is used to determine the fee amount information under different fee deduction methods according to the fee deduction parameters; The deduction module is used to select the deduction method with the lowest fee according to the fee amount information under different fee deduction methods, and deduct the fees for batch deduction business.
9. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 7 is implemented.
10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.