Overdue record modification method and device, electronic equipment and storage medium

Abstract

The invention discloses an overdue record modification method and device, electronic equipment and a storage medium, and relates to the technical field of big data or other related technical fields, and the method comprises the steps: receiving an overdue record modification request, and determining the account information and the modification range of a to-be-modified overdue record; calling a business data set of the target account based on the account information, and screening the business data set based on the modification range to obtain an overdue data set; the overdue data in the overdue data set are traversed, the overdue attribute of each piece of overdue data is determined, and the overdue attribute comprises at least one of historical month overdue data and current month overdue data; and calling an overdue modification rule based on the overdue attribute, and modifying the overdue data of the target account by adopting the overdue modification rule. According to the method and the device, the technical problem of relatively low efficiency in a manner of manually checking and modifying the overdue records of the user in related technologies is solved.

Description

Technical Field

[0001] The present invention relates to the field of big data technology or other related technical fields, and in particular to a method for modifying overdue records, a device thereof, an electronic device and a storage medium. Background Art

[0002] The financial industry generates a large amount of business data, such as account information, transaction information, etc., during business processing. In the process of business data management, staff often need to view, modify, delete and other operations on business data so that the business data can reflect the actual business situation in a timely and accurate manner, and provide a reference for subsequent business analysis and related decisions. Overdue records are an important part of business data, and the generation and management of overdue records are the focus of the financial industry. In the process of managing overdue records, with the change of financial policy, or in some special circumstances, there may be a need to modify overdue records so that the overdue records can accurately reflect the actual business situation.

[0003] In the related technologies, when modifying the overdue records of users, business personnel rely on checking and manually correcting them one by one in the credit reporting management system. This method is inefficient, especially when facing a large number of customers and a large number of overdue records to be modified. It not only consumes a lot of manpower and time, but is also prone to errors due to manual operations, affecting the accuracy of user credit evaluation. In the context of policies requiring financial institutions to respond quickly and make adjustments, the limitations of this processing method are particularly prominent and cannot meet the needs of batch processing.

[0004] To address the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0005] The embodiments of the present invention provide a method for modifying overdue records and a device thereof, an electronic device and a storage medium, so as to at least solve the technical problem in the related art that the manual verification and modification of user overdue records is inefficient.

[0006] According to one aspect of an embodiment of the present invention, a method for modifying an overdue record is provided, comprising: receiving an overdue record modification request from a business end, parsing the overdue record modification request, determining the account information and modification range of the overdue record to be modified; calling a business data set of a target account based on the account information, and filtering the business data set based on the modification range to obtain an overdue data set; traversing the overdue data in the overdue data set to determine the overdue attribute of each of the overdue data, wherein the overdue attribute includes at least one of the following: overdue data of a historical month, overdue data of the current month; calling an overdue modification rule based on the overdue attribute of each of the overdue data, and modifying the overdue data of the target account using the overdue modification rule to obtain a modification result.

[0007] Furthermore, the step of traversing the overdue data in the overdue data set and determining the overdue attribute of each overdue data includes: obtaining the target month to which each overdue data belongs; traversing each overdue data and recording the time point of starting the traversal, and determining the modification month of each overdue data based on the time point of starting the traversal; comparing the target month to which the overdue data belongs with the modification month, and when the target month is earlier than the modification month, determining that the overdue attribute of the overdue data is the historical month overdue data; and when the target month is equal to the modification month, determining that the overdue attribute of the overdue data is the current month overdue data.

[0008] Furthermore, calling the overdue modification rule based on the overdue attribute of each overdue data includes: when the overdue attribute of the overdue data is the overdue data of the historical month, calling the overdue restatement rule; when the overdue attribute of the overdue data is the overdue data of the current month, calling the overdue correction rule.

[0009] Furthermore, the step of modifying the overdue data of the target account using the overdue modification rule includes: when the overdue attribute of the overdue data is historical monthly overdue data, based on the overdue restatement rule, modifying the value corresponding to each field in the overdue data to a predetermined value to obtain the modified overdue data; and generating a restatement report based on the modified overdue data.

[0010] Furthermore, the step of modifying the overdue data of the target account by using the overdue modification rule includes: when the overdue attribute of the overdue data is overdue data of the current month, determining a set of correction fields in the overdue data based on the overdue correction rule, wherein the correction field set includes N fields to be corrected, and N is a positive integer; modifying the values ​​corresponding to the N fields to be corrected to specific values ​​to obtain first correction data; calling the non-overdue data closest to the modification month in the business data of the target account; modifying the values ​​corresponding to the non-correction fields in the overdue data based on the non-overdue data to obtain second correction data; and obtaining the modified overdue data based on the first correction data and the second correction data.

[0011] Furthermore, the step of determining a set of correction fields in the overdue data based on the overdue correction rules includes: traversing each field in the overdue data based on the overdue correction rules, determining an overdue amount field, a repayment status field, an account status field and a credit risk level field, and obtaining the correction field set.

[0012] Furthermore, after obtaining the modification result, it also includes: generating an overdue modification message based on the modification result; reporting the overdue modification message to the credit management end, wherein the credit management end updates the credit report of the target account based on the overdue modification message.

[0013] According to another aspect of an embodiment of the present invention, there is also provided a device for modifying an overdue record, comprising: a receiving unit, for receiving an overdue record modification request from a business end, and parsing the overdue record modification request to determine the account information and modification range of the overdue record to be modified; a screening unit, for calling a business data set of a target account based on the account information, and screening the business data set based on the modification range to obtain an overdue data set; a determination unit, for traversing the overdue data in the overdue data set, and determining the overdue attribute of each of the overdue data, wherein the overdue attribute includes at least one of the following: overdue data of a historical month, overdue data of the current month; a modification unit, for calling an overdue modification rule based on the overdue attribute of each of the overdue data, and modifying the overdue data of the target account using the overdue modification rule to obtain a modification result.

[0014] Furthermore, the determination unit includes: a first acquisition module, used to obtain the target month to which each overdue data belongs; a first traversal module, used to traverse each overdue data, and record the time point of starting the traversal, and determine the modification month of each overdue data based on the time point of starting the traversal; a first comparison module, used to compare the target month to which the overdue data belongs with the modification month, and when the target month is earlier than the modification month, determine that the overdue attribute of the overdue data is the historical month overdue data; a first determination module, used to determine that the overdue attribute of the overdue data is the current month overdue data when the target month is equal to the modification month.

[0015] Furthermore, the modification unit includes: a first calling module, used to call the overdue re-reporting rule when the overdue attribute of the overdue data is the overdue data of the historical month; and a second calling module, used to call the overdue correction rule when the overdue attribute of the overdue data is the overdue data of the current month.

[0016] Furthermore, the modification unit includes: a first modification module, which is used to modify the values ​​corresponding to each field in the overdue data to a predetermined value based on the overdue re-reporting rule when the overdue attribute of the overdue data is historical monthly overdue data, so as to obtain the modified overdue data; a first generation module, which is used to generate a re-reporting report based on the modified overdue data.

[0017] Furthermore, the modification unit includes: a second determination module, which is used to determine a set of correction fields in the overdue data based on the overdue correction rule when the overdue attribute of the overdue data is overdue data of the current month, wherein the correction field set includes N fields to be corrected, and N is a positive integer; a second modification module, which is used to modify the values ​​corresponding to the N fields to be corrected to specific values, and obtain first correction data; a third calling module, which is used to call the non-overdue data closest to the modification month in the business data of the target account; a third modification module, which is used to modify the values ​​corresponding to the non-correction fields in the overdue data based on the non-overdue data, and obtain second correction data; a second acquisition module, which is used to obtain the modified overdue data based on the first correction data and the second correction data.

[0018] Furthermore, the second determination module includes: a first determination submodule, which is used to traverse each field in the overdue data based on the overdue correction rule, determine the overdue amount field, repayment status field, account status field and credit risk level field, and obtain the correction field set.

[0019] Furthermore, the overdue record modification device also includes: a second generation module, used to generate an overdue modification message based on the modification result; a first reporting module, used to report the overdue modification message to the credit management end, wherein the credit management end updates the credit report of the target account based on the overdue modification message.

[0020] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is also provided, wherein the computer-readable storage medium includes a stored computer program, wherein when the computer program is running, the device where the computer-readable storage medium is located is controlled to execute any of the above-mentioned methods for modifying overdue records.

[0021] According to another aspect of an embodiment of the present invention, there is also provided an electronic device, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement any one of the above-mentioned methods for modifying overdue records.

[0022] In the present application, the following steps are performed: receiving an overdue record modification request from the business end, parsing the overdue record modification request, determining the account information and modification range of the overdue record to be modified, and calling the business data set of the target account based on the account information, and filtering the business data set based on the modification range to obtain an overdue data set, and then traversing the overdue data in the overdue data set to determine the overdue attributes of each overdue data, wherein the overdue attributes include at least one of the following: overdue data of historical months, overdue data of the current month, and finally calling the overdue modification rule based on the overdue attribute of each overdue data, and using the overdue modification rule to modify the overdue data of the target account to obtain a modification result.

[0023] In this application, the modification range of overdue records is set by the business end, the business data is automatically screened according to the modification range, the overdue data to be modified is determined, and the processing logic of the overdue records of the historical month and the overdue records of the current month is automatically distinguished, so as to achieve the purpose of batch, efficient and accurate modification of overdue records, and obtain the technical effect of improving the modification efficiency of overdue records and the reliability of modification results. This solves the technical problem of low efficiency in the related technology of manually checking and modifying user overdue records. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of this application. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0025] Figure 1A hardware structure block diagram of a computer terminal (or mobile device) for implementing a method for modifying overdue records is shown;

[0026] Figure 2 is a flowchart of an optional method for modifying overdue records according to an embodiment of the present invention;

[0027] Figure 3 is a schematic diagram of an optional modification process of overdue records according to an embodiment of the present invention;

[0028] Figure 4 is a schematic diagram of an optional overdue attribute determination process according to an embodiment of the present invention;

[0029] Figure 5 is a schematic diagram of an optional device for modifying overdue records according to an embodiment of the present invention;

[0030] Figure 6 The present invention is an optional hardware structure block diagram of an electronic device (or mobile device) for executing a method for modifying overdue records according to an embodiment of the present invention. DETAILED DESCRIPTION

[0031] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0032] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0033] It should be noted that the method for modifying overdue records and the device thereof in the present application can be used in the field of big data technology when automating the modification of financial overdue records, and can also be used in any field other than the field of big data technology when automating the modification of financial overdue records. The application field of the method for modifying overdue records and the device thereof in the present application is not limited.

[0034] It should be noted that the collected information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this application are information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data are in compliance with relevant laws, regulations and standards, necessary confidentiality measures are taken, and public order and good customs are not violated, and corresponding operation entrances are provided for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or institutions to provide users with corresponding operation entrances for users to choose to agree or refuse the results of automated decision-making; if the user chooses to refuse, the expert decision-making process will be entered.

[0035] The following embodiments of the present invention can be applied to various overdue record modification systems / applications / devices. The present invention can automatically correct overdue credit data according to the parameters set by the business, and can automatically identify whether to correct historical monthly data or current monthly data during the correction process. In addition, batch re-running is supported to improve high availability, improve the efficiency of overdue data modification, effectively meet policy changes and regulatory requirements, and enhance the ability of financial institutions to respond to emergencies.

[0036] The present invention is described in detail below in conjunction with various embodiments.

[0037] Embodiment 1

[0038] According to an embodiment of the present invention, an embodiment of a method for modifying an overdue record is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0039] The method embodiment provided in the first embodiment of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1 The hardware structure block diagram of a computer terminal (or mobile device) for implementing a method for modifying overdue records is shown. Figure 1As shown, the computer terminal 10 (or mobile device) may include one or more (102a, 102b, ..., 102n are used to illustrate) processors 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera. It can be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations shown.

[0040] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuits". The data processing circuits may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuit may be a single independent processing module, or may be incorporated in whole or in part into any of the other components in the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0041] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the method for modifying overdue records in the embodiment of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, the method for modifying overdue records described above is implemented. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories may be connected to the computer terminal 10 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0042] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0043] The display may be, for example, a touch screen liquid crystal display (LCD) that enables a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0044] Under the above operating environment, this application provides Figure 2 The method for modifying overdue records shown is implemented by the overdue record modification system.

[0045] Figure 2 is a flowchart of an optional method for modifying overdue records according to an embodiment of the present invention, such as Figure 2 As shown, the method comprises the following steps:

[0046] Step S201, receiving an overdue record modification request from a business end, parsing the overdue record modification request, and determining the account information and modification scope of the overdue record to be modified.

[0047] It should be noted that in the business data of financial institutions, overdue records are important data for assessing user credit risks, and their accuracy and timeliness are crucial to the risk control and user credit evaluation system of financial institutions. Especially in the context of emergencies or financial policy adjustments, financial institutions are required to reasonably adjust the overdue records of affected individuals and enterprises. In this case, the traditional method of manually querying and modifying a large number of customer overdue records one by one is inefficient and error-prone, and cannot meet the timeliness and accuracy requirements of policy implementation. To solve this problem, an embodiment of the present invention proposes an overdue record modification strategy suitable for batch modification scenarios. Through automated means, the overdue attributes of overdue data are identified, and different modification methods are adopted for overdue data in historical months and overdue data in the current month, which significantly improves the efficiency of overdue record modification when processing large quantities of data and reduces errors caused by human intervention. Thereby, batch, efficient and accurate data correction is achieved.

[0048] It should be noted that in the daily operations of financial institutions, business departments may receive user complaints, internal audit results, or guidance from regulatory agencies. This information indicates that the overdue status of some users may need to be adjusted. At this time, the business end will send an overdue record modification request to the back-end credit processing system through a specific interface or system. The request contains the account information and modification range of the overdue record to be modified, such as customer ID, account number, start month and end month to be modified, and other key parameters. After receiving the request, the first step of the system is to parse the overdue record modification request to determine which specific data to modify and how to modify it. The goal of this step is to extract key information from the request, including the customer's specific account, the modification time range of the overdue record, etc., so that the subsequent processing flow can accurately locate the data that needs to be modified.

[0049] After parsing, the system will automatically identify the user accounts affected by the overdue record modification based on the account information and modification scope in the request. This identification process is based on unique identifiers such as user ID and account number, ensuring the accuracy of data processing. At the same time, the system will further confirm the modification scope, that is, determine the time span of the overdue records that need to be modified, which includes identifying the filter start date, filter end date and the current setting date, thereby determining which months' overdue records need to be processed. The key to this confirmation step is to distinguish between overdue records in historical months and overdue records in the current month, and take different modification measures for overdue data with different overdue attributes to ensure the standardization of the modified overdue records.

[0050] Step S202: calling the business data set of the target account based on the account information, and filtering the business data set based on the modification range to obtain the overdue data set.

[0051] It should be noted that after determining the account information and modification scope of the overdue record, all business data of the target account in the financial institution can be called based on the account information. The business data can be all repayment records and non-repayment records of the target user. Then, based on the filter start date and filter end date of the modification range record, as well as the set date, the business data set is automatically filtered to obtain the overdue data set, ensuring that the business data to be processed is within the range specified by the business end. The business end only needs to enter the account information and modification range in the terminal interface, and the system can automatically obtain and locate the specific overdue record, reducing dependence on manual operations and achieving accurate positioning and efficient processing of overdue records.

[0052] Step S203, traverse the overdue data in the overdue data set, and determine the overdue attribute of each overdue data.

[0053] It should be noted that in the overdue record management system of financial institutions, the methods of modifying overdue records of historical months and overdue records of the current month are different. Therefore, identifying the attributes of overdue records is an important operation before performing modification operations. The system traverses each overdue record in the overdue data set, checks the time attributes of the overdue records one by one, and compares the month to which the overdue record belongs with the filter start month, filter end month and setting month set by the business personnel to determine the overdue attributes of the overdue record. The overdue attributes of overdue data include at least one of the following: overdue data of historical months and overdue data of the current month. The overdue attributes directly affect the specific logic and strategy of subsequent overdue record modifications.

[0054] Optionally, the step of traversing the overdue data in the overdue data set and determining the overdue attribute of each overdue data includes: obtaining the target month to which each overdue data belongs; traversing each overdue data and recording the time point when the traversal starts, and determining the modification month of each overdue data based on the time point when the traversal starts; comparing the target month to which the overdue data belongs with the modification month, and when the target month is earlier than the modification month, determining that the overdue attribute of the overdue data is the historical month overdue data; and when the target month is equal to the modification month, determining that the overdue attribute of the overdue data is the current month overdue data.

[0055] It should be noted that when determining the overdue attribute of the overdue record, the target month to which each overdue record belongs is obtained by reading the date field of each record. Then the month to which the time point of the start of traversal belongs (the month is determined based on the repayment date set for the target account, for example, the repayment date is the 20th of each month, if the time point of the start of traversal is December 19, 2020, then the month to which the time point belongs is November, if the time point of the start of traversal is December 21, 2020, then the month to which the time point belongs is December) is used as the modification month for each overdue data. The time point of the start of traversal can be understood as the date when the business system processes the current correction request, and then the target month to which the overdue record belongs is compared with the modification month. If the target month is earlier than the modification month, it indicates that the overdue data belongs to the historical overdue data. If the target month is equal to the modification month, it indicates that the overdue data belongs to the overdue data of the current month. Based on the identification and comparison of specific months, it can accurately identify whether the "this month" currently being processed by the system needs to adjust the overdue status.

[0056] Step S204, calling the overdue modification rule based on the overdue attribute of each overdue data, and modifying the overdue data of the target account using the overdue modification rule to obtain a modification result.

[0057] It should be noted that for overdue data with different overdue attributes, the corresponding overdue modification rules are also different, and therefore the methods of modifying overdue data are also different. The overdue modification rules are called according to the overdue attributes of the overdue data, and the overdue modification rules are used to perform modification operations on each overdue data of the target account to obtain the modification results. The overdue modification rules ensure that each overdue data can be correctly handled according to its specific situation, avoiding data inconsistency or compliance risks that may be caused by one-size-fits-all modifications.

[0058] Optionally, calling the overdue modification rule based on the overdue attribute of each overdue data includes: when the overdue attribute of the overdue data is the overdue data of the historical month, calling the overdue restatement rule; when the overdue attribute of the overdue data is the overdue data of the current month, calling the overdue correction rule.

[0059] It should be noted that if the overdue data is the overdue data of the historical month, the overdue restatement rule can be called. The overdue restatement rule indicates that when modifying the overdue data of the historical month, all overdue data in the data table shall be modified to the specified field value, and an additional restatement report shall be generated and reported to the credit management end / credit reporting system. If the overdue data is the overdue data of the current month, the overdue correction rule can be called. The overdue correction rule indicates that some specified fields of the overdue data shall be modified to specific values, and the remaining fields shall be corrected with reference to the most recent normal repayment data. There is no need to generate an additional report for restatement. The normal data shall be directly inserted into the data table where the current overdue number is located, and the corrected data table shall be obtained and reported to the credit management end / credit reporting system.

[0060] Optionally, the step of modifying the overdue data of the target account using overdue modification rules includes: when the overdue attribute of the overdue data is historical monthly overdue data, modifying the values ​​corresponding to each field in the overdue data to predetermined values ​​based on the overdue restatement rules to obtain modified overdue data; and generating a restatement report based on the modified overdue data.

[0061] The operation of modifying the overdue data of the historical month according to the overdue restatement rule specifically includes: using the operation instructions of the overdue restatement rule to modify the values ​​of each field in the overdue data (such as the number of overdue days, repayment status, etc.) to a predetermined value, which usually refers to the value representing the "normal" state, such as setting the number of overdue days to 0 and the repayment status to "normal repayment", etc., to eliminate the user's overdue record in a specific historical month and ensure the accuracy and fairness of its credit report. After the values ​​of each field are modified to the predetermined value, a restatement report is generated according to the modified overdue data. The restatement report is used to instruct the credit management end to modify the credit report of the target account and modify the credit situation of the historical month to a normal state. By automatically applying the overdue restatement rule to modify the overdue data of the historical month and generating a restatement report for reporting, efficient and automatic correction of historical overdue records is achieved. This process not only reduces the manual operation of business personnel and reduces the error rate, but also ensures that the correction information can be transmitted to the regulatory agency in a timely and accurate manner, maintaining the credit rights and interests of users and the compliance of financial institutions. This improves the efficiency of handling overdue records and enhances the responsiveness of financial institutions in the face of changes.

[0062] Optionally, the step of modifying the overdue data of the target account by using the overdue modification rule includes: when the overdue attribute of the overdue data is the overdue data of the current month, determining a set of correction fields in the overdue data based on the overdue correction rule, wherein the correction field set includes N fields to be corrected, and N is a positive integer; modifying the values ​​corresponding to the N fields to be corrected to specific values ​​to obtain first correction data; calling the non-overdue data closest to the modification month in the business data of the target account; modifying the values ​​corresponding to the non-correction fields in the overdue data based on the non-overdue data to obtain second correction data; and obtaining modified overdue data based on the first correction data and the second correction data.

[0063] Correcting the overdue data of the current month using overdue correction rules specifically includes two parts. The first part is to modify the value of a specific field in the overdue data to a specific value, and the second part is to modify the value of the remaining fields based on the latest non-overdue data. First, it is necessary to determine the correction field set to be corrected in the overdue data, assign specific values ​​to the correction fields in the correction field set, and then obtain the first correction data; then it is necessary to call the business record in the target account business data that is most recent to the modification month, obtain the most recent non-expected overdue data, modify the values ​​of the remaining fields in the overdue data to the values ​​of the corresponding fields in the non-overdue data, and then obtain the second correction data. Recently, the first correction data and the second correction data are inserted into the current data table where the overdue data is located to obtain the correction table.

[0064] Optionally, the step of determining a set of correction fields in the overdue data based on the overdue correction rules includes: traversing each field in the overdue data based on the overdue correction rules, determining the overdue amount field, repayment status field, account status field and credit risk level field, and obtaining a correction field set.

[0065] It should be noted that the correction field set contains multiple correction fields, and the correction fields may include: the overdue amount of the current month, the repayment status of the current month, the account status and the credit risk level. The correction fields need to be assigned specific values, for example, the overdue amount of the current month is assigned to 0, the repayment status of the current month is assigned to 0, indicating that no repayment is required, the account status is assigned to 1, indicating that it is in a normal state, and the credit risk level is assigned to 0, indicating that there is no credit risk; in addition to the above-mentioned correction fields, the remaining fields in the overdue data may include: the current overdue period, the current total overdue amount, whether the principal has been repaid within the first overdue period, whether the principal has been repaid within the second overdue period, etc.

[0066] Optionally, after obtaining the modification result, it also includes: generating an overdue modification message based on the modification result; reporting the overdue modification message to the credit management end, wherein the credit management end updates the credit report of the target account based on the overdue modification message.

[0067] It should be noted that after modifying the overdue data and obtaining the modification results, an overdue modification message is generated based on the modified overdue data. The message contains all the corrected overdue record information, including but not limited to account number, customer information, overdue status before modification, status after modification, and modification time. The purpose of generating an overdue modification message is to formally record and convey the above information to the credit management end to update the credit report. After receiving the overdue modification message, the credit management end will update the credit report of the target account based on the data provided in the message. This update process will reflect the correction of the user's overdue record and ensure that its credit report accurately reflects the user's latest credit status. Ensure that the user's modified credit status can be officially recognized by the regulatory agency to avoid adverse effects such as account freezing due to overdue.

[0068] Through the above steps, the overdue record modification request from the business end is received, and the overdue record modification request is parsed to determine the account information and modification range of the overdue record to be modified, and the business data set of the target account is called based on the account information, and the business data set is filtered based on the modification range to obtain the overdue data set, and then the overdue data in the overdue data set is traversed to determine the overdue attribute of each overdue data, wherein the overdue attribute includes at least one of the following: historical monthly overdue data, current month overdue data, and finally the overdue modification rule is called based on the overdue attribute of each overdue data, and the overdue modification rule is used to modify the overdue data of the target account to obtain the modification result.

[0069] In this embodiment, the modification range of overdue records is set by the business end, the business data is automatically screened according to the modification range, the overdue data to be modified is determined, and the processing logic of the overdue records of the past month and the overdue records of the current month are automatically distinguished, so as to achieve the purpose of batch, efficient and accurate modification of overdue records, and obtain the technical effect of improving the modification efficiency of overdue records and the reliability of modification results. This solves the technical problem of low efficiency in the related technology of manually checking and modifying user overdue records.

[0070] Another optional specific implementation is described in detail below.

[0071] Figure 3 is a schematic diagram of an optional modification process of overdue records according to an embodiment of the present invention, such as Figure 3 As shown in the figure, the modification process of overdue records includes:

[0072] Business personnel set the scope of overdue items to be corrected in the business operating system, including account scope and time scope;

[0073] The overdue record modification system performs daily batch processing. First, the overdue data is extracted according to the range data, and then the cursor reads the overdue data, modifies the overdue data, reports the modified data to the supervision system, and updates the credit report of the target account.

[0074] When modifying overdue data, the modification methods for overdue data in historical months and overdue data in the current month are different. The system identifies the overdue attributes of the overdue data, calls the corresponding modification rules according to the overdue attributes, and modifies the overdue data. Figure 4 FIG. 1 is a schematic diagram of an optional overdue attribute determination process according to an embodiment of the present invention. Figure 4 As shown, specifically including:

[0075] Step 1, start;

[0076] Step 2, parameter definition, D_startfl it is the filtering start month, D_endfl it is the filtering end month, Update_date is the filtering setting month, i=1, N1=D_endfl it-D_startfl it, that is, the time interval between the filtering end month and the filtering start month, N2=Update_date-D_startfl it, that is, the time interval between the setting month and the filtering start month, N=Update_date-D_endfl it, that is, the time interval between the setting month and the filtering end month;

[0077] Step 3: Identify whether N is greater than 0. If not, execute step 4. If yes, set N=N+1.

[0078] Step 4, determine whether N2 is greater than 0, if so, set N=N2, if not, execute step 11;

[0079] Step 5: Filter the business data between the start month and the end month to obtain the overdue data;

[0080] Step 6, determine 1≤i≤N, if yes, go to step 7, if no, go to step 9;

[0081] Step 7: Modify the overdue data in the monthly table of historical months, insert the modified data into the re-report table, and report it for credit modification;

[0082] Step 8, let i++, that is, accumulate i, and repeat steps 6 to 8;

[0083] Step 9, determine whether there is overdue data for the current month, if so, go to step 10, if not, go to step 11;

[0084] Step 10: Adjust the overdue data of the current month to the submitted data of the month before the overdue period begins, insert it into the correction table, and report it to complete the correction of the overdue data of the current month;

[0085] Step 11, end.

[0086] In the embodiment of the present invention, the overdue credit data can be automatically corrected according to the parameters set by the business. During the correction process, it can automatically identify whether the correction is for the historical month data or the current month data. In addition, batch re-running is supported to improve high availability, improve the efficiency of overdue data modification, effectively meet policy changes and regulatory requirements, and enhance the ability of financial institutions to respond to emergencies.

[0087] In the embodiment of the present invention, the business personnel only need to set the necessary parameters so that the program can automatically complete the correction of the corresponding submitted records, and can automatically determine whether the month to be corrected is a historical month or a current month, so that the business personnel can enter and correct overdue data in batches at one time, which greatly reduces the manual operation cost and ensures the accuracy and success rate of correction.

[0088] The following is a detailed description in conjunction with another embodiment.

[0089] Embodiment 2

[0090] The overdue record modification method provided in this embodiment includes multiple implementation units, each of which corresponds to each implementation step in the above-mentioned embodiment 1. Its specific implementation method and beneficial effects can refer to the above-mentioned method embodiment, which will not be repeated here.

[0091] Figure 5 is a schematic diagram of an optional overdue record modification device according to an embodiment of the present invention, such as Figure 5 As shown, the overdue record modification device includes: a receiving unit 51, a screening unit 52, a determining unit 53, and a modifying unit 54, wherein:

[0092] The receiving unit 51 is used to receive the overdue record modification request from the business end, and parse the overdue record modification request to determine the account information and modification scope of the overdue record to be modified;

[0093] A screening unit 52 is used to call the business data set of the target account based on the account information, and screen the business data set based on the modification range to obtain the overdue data set;

[0094] The determination unit 53 is used to traverse the overdue data in the overdue data set and determine the overdue attribute of each overdue data, wherein the overdue attribute includes at least one of the following: overdue data of a historical month and overdue data of the current month;

[0095] The modification unit 54 is used to call the overdue modification rule based on the overdue attribute of each overdue data, and modify the overdue data of the target account using the overdue modification rule to obtain a modification result.

[0096] The above-mentioned overdue record modification device receives an overdue record modification request from the business end through a receiving unit 51, and parses the overdue record modification request to determine the account information and modification range of the overdue record to be modified; calls the business data set of the target account based on the account information through a screening unit 52, and screens the business data set based on the modification range to obtain an overdue data set; traverses the overdue data in the overdue data set through a determination unit 53 to determine the overdue attribute of each overdue data, wherein the overdue attribute includes at least one of the following: historical monthly overdue data, current month overdue data; calls the overdue modification rule based on the overdue attribute of each overdue data through a modification unit 54, and modifies the overdue data of the target account using the overdue modification rule to obtain a modification result.

[0097] In this embodiment, the modification range of overdue records is set by the business end, the business data is automatically screened according to the modification range, the overdue data to be modified is determined, and the processing logic of the overdue records of the past month and the overdue records of the current month are automatically distinguished, so as to achieve the purpose of batch, efficient and accurate modification of overdue records, and obtain the technical effect of improving the modification efficiency of overdue records and the reliability of modification results. This solves the technical problem of low efficiency in the related art of manually checking and modifying user overdue records.

[0098] Optionally, the determination unit includes: a first acquisition module, used to acquire the target month to which each overdue data belongs; a first traversal module, used to traverse each overdue data, and record the time point when the traversal starts, and determine the modification month of each overdue data based on the time point when the traversal starts; a first comparison module, used to compare the target month to which the overdue data belongs with the modification month, and when the target month is earlier than the modification month, determine that the overdue attribute of the overdue data is the historical month overdue data; a first determination module, used to determine that the overdue attribute of the overdue data is the current month overdue data when the target month is equal to the modification month.

[0099] Optionally, the modification unit includes: a first calling module, used to call the overdue re-reporting rule when the overdue attribute of the overdue data is the overdue data of the historical month; a second calling module, used to call the overdue correction rule when the overdue attribute of the overdue data is the overdue data of the current month.

[0100] Optionally, the modification unit includes: a first modification module, which is used to modify the values ​​corresponding to each field in the overdue data to a predetermined value based on the overdue re-reporting rule when the overdue attribute of the overdue data is historical monthly overdue data, so as to obtain modified overdue data; and a first generation module, which is used to generate a re-reporting report based on the modified overdue data.

[0101] Optionally, the modification unit includes: a second determination module, which is used to determine a set of correction fields in the overdue data based on overdue correction rules when the overdue attribute of the overdue data is overdue data of the current month, wherein the correction field set includes N fields to be corrected, and N is a positive integer; a second modification module, which is used to modify the values ​​corresponding to the N fields to be corrected to specific values, and obtain first correction data; a third calling module, which is used to call the non-overdue data closest to the modification month in the business data of the target account; the third modification module, which is used to modify the values ​​corresponding to the non-correction fields in the overdue data based on the non-overdue data, and obtain second correction data; a second acquisition module, which is used to obtain the modified overdue data based on the first correction data and the second correction data.

[0102] Optionally, the second determination module includes: a first determination submodule, which is used to traverse each field in the overdue data based on the overdue correction rules, determine the overdue amount field, repayment status field, account status field and credit risk level field, and obtain a correction field set.

[0103] Optionally, the overdue record modification device also includes: a second generation module, used to generate an overdue modification message based on the modification result; a first reporting module, used to report the overdue modification message to the credit management end, wherein the credit management end updates the credit report of the target account based on the overdue modification message.

[0104] It should be noted that the receiving unit 51, the screening unit 52, the determining unit 53, and the modifying unit 54 correspond to steps S201 to S204 in the first embodiment, and the examples and application scenarios implemented by the above units and the corresponding steps are the same, but are not limited to the contents disclosed in the first embodiment. It should be noted that the above modules or units can be hardware components or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n), and the above modules or units can also be part of the device and can be run in the computer terminal 10 provided in the first embodiment.

[0105] The present invention is described below in conjunction with another optional embodiment.

[0106] Embodiment 3

[0107] An embodiment of the present invention may also provide an electronic device, Figure 6 is a hardware structure block diagram of an electronic device (or mobile device) for executing an optional method for modifying overdue records according to an embodiment of the present invention, such as Figure 6 As shown, the electronic device may include: one or more ( Figure 6 (only one is shown) processor 602, memory 604, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0108] Among them, the memory can be used to store software programs and modules, such as program instructions / modules corresponding to the methods and devices in the embodiments of the present application, and the processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, realizing the above-mentioned method. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include a memory remotely arranged relative to the processor, and these remote memories may be connected to the terminal via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0109] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: receive an overdue record modification request from the business end, and parse the overdue record modification request to determine the account information and modification range of the overdue record to be modified; call the business data set of the target account based on the account information, and filter the business data set based on the modification range to obtain an overdue data set; traverse the overdue data in the overdue data set to determine the overdue attribute of each overdue data, wherein the overdue attribute includes at least one of the following: historical monthly overdue data, current month overdue data; call the overdue modification rule based on the overdue attribute of each overdue data, and use the overdue modification rule to modify the overdue data of the target account to obtain a modification result.

[0110] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: traverse the overdue data in the overdue data set, and the step of determining the overdue attribute of each overdue data includes: obtaining the target month to which each overdue data belongs; traversing each overdue data and recording the time point when the traversal starts, and determining the modification month of each overdue data based on the time point when the traversal starts; comparing the target month to which the overdue data belongs with the modification month, and when the target month is earlier than the modification month, determining the overdue attribute of the overdue data as the historical month overdue data; and when the target month is equal to the modification month, determining the overdue attribute of the overdue data as the current month overdue data.

[0111] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: calling the overdue modification rules based on the overdue attributes of each overdue data, including: when the overdue attribute of the overdue data is the overdue data of the historical month, calling the overdue restatement rule; when the overdue attribute of the overdue data is the overdue data of the current month, calling the overdue correction rule.

[0112] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: the step of modifying the overdue data of the target account using the overdue modification rule, including: when the overdue attribute of the overdue data is the historical monthly overdue data, based on the overdue restatement rule, modifying the value corresponding to each field in the overdue data to a predetermined value to obtain the modified overdue data; generating a restatement report based on the modified overdue data.

[0113] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: the step of modifying the overdue data of the target account using the overdue modification rule, including: when the overdue attribute of the overdue data is the overdue data of the current month, determine the correction field set in the overdue data based on the overdue correction rule, wherein the correction field set includes N fields to be corrected, and N is a positive integer; modify the values ​​corresponding to the N fields to be corrected to specific values ​​to obtain first correction data; call the non-overdue data closest to the modification month in the business data of the target account; modify the values ​​corresponding to the non-correction fields in the overdue data based on the non-overdue data to obtain second correction data; obtain the modified overdue data based on the first correction data and the second correction data.

[0114] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: the step of determining a set of correction fields in the overdue data based on the overdue correction rules, including: traversing each field in the overdue data based on the overdue correction rules, determining the overdue amount field, repayment status field, account status field and credit risk level field, and obtaining a correction field set.

[0115] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: after obtaining the modification result, it also includes: generating an overdue modification message based on the modification result; reporting the overdue modification message to the credit management end, wherein the credit management end updates the credit report of the target account based on the overdue modification message.

[0116] By adopting the embodiment of the present invention, a modification scheme for overdue records is provided, which can realize batch and efficient modification of overdue records of target accounts. The modification range of overdue records is set by the business end, and the business data is automatically screened according to the modification range, the overdue data to be modified is determined, and the processing logic of the overdue records of the historical month and the overdue records of the current month is automatically distinguished, so as to achieve the purpose of batch, efficient and accurate modification of overdue records, and obtain the technical effect of improving the efficiency of overdue record modification and the reliability of modification results. This solves the technical problem of low efficiency in the related technology of manually checking and modifying user overdue records.

[0117] It can be understood by those skilled in the art that Figure 6 The structure shown is for illustration only, and the electronic device may also be a smart phone, a tablet computer, a PDA, a mobile Internet device (MID), a PAD or other terminal device. Figure 6 The structure of the electronic device is not limited. Figure 6More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Figure 6 Different configurations shown.

[0118] A person of ordinary skill in the art can understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, and the storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0119] The present invention is described below in conjunction with another optional embodiment.

[0120] Embodiment 4

[0121] The embodiment of the present invention further provides a computer-readable storage medium. Optionally, in the embodiment of the present invention, the computer-readable storage medium can be used to store the program code executed by the method for modifying overdue records provided in the first embodiment.

[0122] Optionally, in an embodiment of the present invention, the above-mentioned storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group.

[0123] An embodiment of the present invention also provides a computer program product, which, when executed on a data processing device, is suitable for executing the steps of a method for modifying overdue records: receiving an overdue record modification request from a business end, parsing the overdue record modification request, and determining the account information and modification range of the overdue record to be modified; calling a business data set of a target account based on the account information, and filtering the business data set based on the modification range to obtain an overdue data set; traversing the overdue data in the overdue data set, and determining the overdue attributes of each overdue data, wherein the overdue attributes include at least one of the following: overdue data of historical months, overdue data of the current month; calling an overdue modification rule based on the overdue attribute of each overdue data, and modifying the overdue data of the target account using the overdue modification rule to obtain a modification result.

[0124] The serial numbers of the above embodiments of the present invention are only for description and do not represent the advantages or disadvantages of the embodiments.

[0125] In the above embodiments of the present invention, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0126] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units can be a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0127] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0128] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0129] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions for a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, magnetic disk or optical disk and other media that can store program codes.

[0130] The above is only a preferred embodiment of the present invention. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principle of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A method for modifying overdue records, characterized in that: include: Receive an overdue record modification request from a business end, parse the overdue record modification request, and determine the account information and modification scope of the overdue record to be modified; Calling a business data set of a target account based on the account information, and filtering the business data set based on the modification range to obtain an overdue data set; Traversing the overdue data in the overdue data set, and determining the overdue attribute of each of the overdue data, wherein the overdue attribute includes at least one of the following: overdue data of a historical month, overdue data of the current month; Based on the overdue attribute of each piece of the overdue data, an overdue modification rule is called, and the overdue data of the target account is modified using the overdue modification rule to obtain a modification result.

2. The method according to claim 1, characterized in that: The step of traversing the overdue data in the overdue data set and determining the overdue attribute of each overdue data includes: Get the target month to which each piece of overdue data belongs; Traversing each of the overdue data, and recording the time point at which the traversal starts, and determining the modification month of each overdue data based on the time point at which the traversal starts; Compare the target month to which the overdue data belongs with the modification month, and if the target month is earlier than the modification month, determine that the overdue attribute of the overdue data is historical month overdue data; In the case where the target month is equal to the modification month, the overdue attribute of the overdue data is determined to be the overdue data of the current month.

3. The method according to claim 2, characterized in that Calling overdue modification rules based on the overdue attribute of each overdue data includes: In the case where the overdue attribute of the overdue data is the historical monthly overdue data, calling the overdue restatement rule; When the overdue attribute of the overdue data is the overdue data of the current month, the overdue correction rule is called.

4. The method according to claim 3, characterized in that The step of modifying the overdue data of the target account by using the overdue modification rule comprises: In the case where the overdue attribute of the overdue data is historical monthly overdue data, modifying the values ​​corresponding to each field in the overdue data to predetermined values ​​based on the overdue restatement rule to obtain the modified overdue data; A restatement report is generated based on the modified overdue data.

5. The method according to claim 3, characterized in that: The step of modifying the overdue data of the target account by using the overdue modification rule comprises: In the case where the overdue attribute of the overdue data is the overdue data of the current month, determining a correction field set in the overdue data based on the overdue correction rule, wherein the correction field set includes N fields to be corrected, where N is a positive integer; Modify the values ​​corresponding to the N fields to be corrected to specific values ​​to obtain first corrected data; Retrieving the non-overdue data closest to the modification month in the business data of the target account; Modify the value corresponding to the non-correction field in the overdue data based on the non-overdue data to obtain second correction data; Based on the first correction data and the second correction data, the modified overdue data is obtained.

6. The method according to claim 5, characterized in that The step of determining a correction field set in the overdue data based on the overdue correction rule comprises: Based on the overdue correction rule, each field in the overdue data is traversed to determine the overdue amount field, repayment status field, account status field and credit risk level field, and obtain the correction field set.

7. The method according to claim 1, characterized in that After getting the modification result, it also includes: Generate an overdue modification message based on the modification result; The overdue modification message is reported to the credit management end, wherein the credit management end updates the credit report of the target account based on the overdue modification message.

8. A device for modifying overdue records, characterized in that: include: A receiving unit, configured to receive an overdue record modification request from a business end, and parse the overdue record modification request to determine the account information and modification scope of the overdue record to be modified; a screening unit, configured to call a business data set of a target account based on the account information, and screen the business data set based on the modification range to obtain an overdue data set; A determination unit, configured to traverse the overdue data in the overdue data set and determine an overdue attribute of each of the overdue data, wherein the overdue attribute includes at least one of the following: overdue data of a historical month and overdue data of the current month; The modification unit is used to call an overdue modification rule based on the overdue attribute of each overdue data, and use the overdue modification rule to modify the overdue data of the target account to obtain a modification result.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored computer program, wherein when the computer program is executed, the device where the computer-readable storage medium is located is controlled to execute the method for modifying overdue records as described in any one of claims 1 to 7.

10. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the method for modifying overdue records as described in any one of claims 1 to 7.

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