Service settlement processing method and device

Abstract

The invention discloses a business settlement processing method and device, relates to the technical field of computers, and mainly aims at solving the problem that the efficiency of executing settlement business of an existing business settlement system is low. Comprising the following steps: acquiring a target service identifier input in a service settlement interface; calling a settlement model bound with the target service identifier, and outputting a to-be-settled information item of the settlement model, the settlement model being a tree structure settlement component constructed based on a plurality of pieces of settlement information having an upper and lower layer dependency relationship; and when target settlement information is determined based on the to-be-settled information item, calling a settlement strategy of the settlement model to process the target settlement information to obtain a settlement result, and outputting the settlement result.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a method and device for processing business settlement. Background Art

[0002] With the rapid popularization of computer technology in the financial industry, various financial enterprises have begun to use computer systems to complete the fee settlement of different financial businesses to reduce labor costs and meet the accuracy and flexibility requirements of fee settlement. For example, when commercial banks conduct international settlement business, they charge different types and standards of fees through the business settlement system developed by computer systems.

[0003] At present, when processing different business settlements, the existing business settlement system usually manually enters the charging objects for different financial businesses, and develops the business settlement system by manually building charging components for specific financial businesses. However, due to the complexity of financial business and the flexible characteristics of different financial businesses corresponding to different charging objects, a large number of professionals are required to develop the business settlement system, which is time-consuming and labor-intensive, greatly increasing the development cost of the business settlement system, thereby affecting the efficiency of different users using the business settlement system to perform settlement business. Summary of the invention

[0004] In view of this, the present invention provides a method and device for processing business settlement, the main purpose of which is to solve the problem of low efficiency in executing settlement business in the existing business settlement system.

[0005] According to one aspect of the present invention, a method for processing business settlement is provided, comprising:

[0006] Obtain the target business ID entered in the business settlement interface;

[0007] Retrieving a settlement model bound to the target business identifier, and outputting the to-be-settled information items of the settlement model, wherein the settlement model is a tree-structured settlement component constructed based on multiple settlement information with upper and lower layer dependencies;

[0008] After the target settlement information is determined based on the information item to be settled, the settlement strategy of the settlement model is retrieved to process the target settlement information, obtain the settlement result, and output it.

[0009] Furthermore, before obtaining the target service identifier entered in the service settlement interface, the method further includes:

[0010] In response to the settlement model configuration instruction, obtaining a target business identifier in a configuration interface of the business settlement system;

[0011] Retrieving and displaying settlement related items matching the target business identifier, the settlement related items including options of multiple settlement information having upper and lower layer dependency relationships;

[0012] Determine to select multiple settlement information corresponding to the settlement related items one by one according to the upper and lower layer dependency relationship, and construct a tree structure settlement network according to the settlement information;

[0013] The settlement component corresponding to the settlement information is retrieved, and the settlement component is bound to the tree-structured settlement network to obtain a settlement model, wherein the settlement component is embedded with a settlement strategy for performing logical operations on the settlement information.

[0014] Furthermore, the determining to select a plurality of settlement information corresponding to the settlement related items one by one according to the upper and lower layer dependencies, and constructing a tree structure settlement network according to the settlement information includes:

[0015] Output the settlement related items one by one according to the upper and lower layer dependency relationships, and configure the node level, node level attributes, node name, and parent node name for the settlement information in the process of selecting the settlement related items;

[0016] The target business identifier is used as a root node, and a tree-structured settlement network is constructed based on the node hierarchy, the node hierarchy attributes, the node name, and the settlement information corresponding to the parent node name.

[0017] Furthermore, the settlement information having upper and lower hierarchical dependencies includes settlement type, settlement object, settlement method, settlement account category, and account information.

[0018] Furthermore, after outputting the to-be-settled information items of the settlement model, the method further includes:

[0019] In response to the first settlement type selection instruction, calling and outputting a settlement object corresponding to the selected settlement type;

[0020] In response to the second selection instruction of the settlement object, calling and outputting the settlement method corresponding to the selected settlement object;

[0021] In response to the third selection instruction of the settlement method, calling and outputting the selected settlement account type;

[0022] The account information matching the settlement account category is obtained to obtain the target settlement information selected by the user based on the information to be settled.

[0023] Further, the calling of the settlement strategy of the settlement model to process the target settlement information, obtain the settlement result, and output it includes:

[0024] Verifying the user's settlement status according to the settlement conditions in the settlement policy, wherein the user's settlement status includes at least one of the following: settlement data format, settlement account status, settlement amount type, and historical settlement information;

[0025] If the user settlement status passes the verification, the target settlement information is calculated according to the settlement algorithm in the settlement strategy to obtain a settlement result;

[0026] The settlement result is output to the business settlement interface.

[0027] Furthermore, before the settlement strategy of the settlement model is retrieved to process the target settlement information, obtain the settlement result, and output it, the method further includes:

[0028] When it is detected that the target business identifier is configured with a settlement amount standard authority, the amount settlement item corresponding to the settlement amount standard authority is retrieved and output;

[0029] The settlement strategy is adjusted according to the amount settlement type selected for the amount settlement item, so as to process the target settlement information based on the adjusted settlement strategy.

[0030] According to another aspect of the present invention, there is provided a service settlement processing device, comprising:

[0031] The acquisition module is used to acquire the target business identifier entered in the business settlement interface;

[0032] A calling module, used to call the settlement model bound to the target business identifier and output the to-be-settled information items of the settlement model, wherein the settlement model is a tree-structured settlement component constructed based on multiple settlement information with upper and lower layer dependencies;

[0033] The processing module is used to call the settlement strategy of the settlement model to process the target settlement information after determining the target settlement information based on the information item to be settled, obtain the settlement result, and output it.

[0034] Furthermore, the device further comprises: a determination module, a binding module,

[0035] The acquisition module is further used to obtain the target business identifier in the configuration interface of the business settlement system in response to the settlement model configuration instruction;

[0036] The retrieval module is further used to retrieve and display settlement related items matching the target business identifier, wherein the settlement related items include options of multiple settlement information having upper and lower layer dependencies;

[0037] The determination module is used to determine to select a plurality of settlement information corresponding to the settlement related items one by one according to the upper and lower layer dependency relationship, and to construct a tree-structured settlement network according to the settlement information;

[0038] The binding module is used to retrieve the settlement component corresponding to the settlement information and bind the settlement component to the tree-structured settlement network to obtain a settlement model. The settlement component is embedded with a settlement strategy for performing logical operations on the settlement information.

[0039] Furthermore, the determination module is specifically used to output the settlement-related items one by one according to the upper and lower layer dependencies, and in the process of selecting the settlement-related items, configure the node level, node level attributes, node name, and parent node name for the settlement information; take the target business identifier as the root node, and construct a tree-structured settlement network based on the settlement information corresponding to the node level, the node level attributes, the node name, and the parent node name.

[0040] Furthermore, the settlement information having upper and lower hierarchical dependencies includes settlement type, settlement object, settlement method, settlement account category, and account information.

[0041] Furthermore, the calling module is also used to call and output the settlement object corresponding to the selected settlement type in response to the first selection instruction of the settlement type; call and output the settlement method corresponding to the selected settlement object in response to the second selection instruction of the settlement object; call and output the selected settlement account category in response to the third selection instruction of the settlement method; obtain account information matching the settlement account category to obtain the target settlement information selected by the user based on the information to be settled.

[0042] Furthermore, the processing module is also used to verify the user settlement status according to the settlement conditions in the settlement strategy, and the user settlement status includes at least one of the settlement data format, settlement account status, settlement amount type, and historical settlement information; if the user settlement status passes the verification, the target settlement information is calculated according to the settlement algorithm in the settlement strategy to obtain the settlement result; and the settlement result is output to the business settlement interface.

[0043] Furthermore, the device also includes:

[0044] The adjustment module is used to retrieve and output the amount settlement item corresponding to the settlement amount standard authority when it is detected that the target business identifier is configured with the settlement amount standard authority; adjust the settlement strategy according to the amount settlement type selected by the amount settlement item, so as to process the target settlement information based on the adjusted settlement strategy.

[0045] According to another aspect of the present invention, a storage medium is provided, wherein at least one executable instruction is stored in the storage medium, and the executable instruction enables a processor to execute operations corresponding to the above-mentioned business settlement processing method.

[0046] According to another aspect of the present invention, there is provided a terminal, comprising: a processor, a memory, a communication interface and a communication bus, wherein the processor, the memory and the communication interface communicate with each other via the communication bus;

[0047] The memory is used to store at least one executable instruction, and the executable instruction enables the processor to execute operations corresponding to the above-mentioned business settlement processing method.

[0048] By means of the above technical solution, the technical solution provided by the embodiment of the present invention has at least the following advantages:

[0049] The present invention provides a method and device for processing business settlement. Compared with the prior art, the embodiment of the present invention obtains a target business identifier entered in a business settlement interface; calls a settlement model bound to the target business identifier, and outputs the to-be-settled information item of the settlement model, wherein the settlement model is a tree-structured settlement component constructed based on multiple settlement information with upper and lower layer dependencies; after determining the target settlement information based on the to-be-settled information item, calls the settlement strategy of the settlement model to process the target settlement information, obtains a settlement result, and outputs it, thereby achieving the purpose of providing business settlement for different users, reducing the development cost of the settlement system by professionals, meeting the needs of users for custom development of business settlement, and thereby greatly improving the execution efficiency of different business settlements.

[0050] The above description is only an overview of the technical solution of the present invention. In order to more clearly understand the technical means of the present invention, it can be implemented according to the contents of the specification. In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, the specific implementation methods of the present invention are listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0051] Various other advantages and benefits will become apparent to those of ordinary skill in the art by reading the detailed description of the preferred embodiments below. The accompanying drawings are only for the purpose of illustrating the preferred embodiments and are not to be considered as limiting the present invention. Moreover, the same reference symbols are used throughout the accompanying drawings to represent the same components. In the accompanying drawings:

[0052] Figure 1 A flow chart of a method for processing business settlement provided by an embodiment of the present invention is shown;

[0053] Figure 2A schematic diagram of a tree structure settlement network provided by an embodiment of the present invention is shown;

[0054] Figure 3 A tree-structured settlement network diagram of an import license issuance and settlement service provided by an embodiment of the present invention is shown;

[0055] Figure 4 A schematic diagram of a settlement result provided by an embodiment of the present invention is shown;

[0056] Figure 5 A schematic diagram showing a fee-charging service settlement provided by an embodiment of the present invention is shown.

[0057] Figure 6 A schematic diagram of a model calibration process provided by an embodiment of the present invention is shown;

[0058] Figure 7 A schematic diagram of fee standard plug-in processing provided by an embodiment of the present invention is shown;

[0059] Figure 8 A block diagram showing a composition of a service settlement processing device provided by an embodiment of the present invention;

[0060] Fig. 9 A schematic diagram of the structure of a terminal provided by an embodiment of the present invention is shown. DETAILED DESCRIPTION

[0061] The exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although the exemplary embodiments of the present disclosure are shown in the accompanying drawings, it should be understood that the present disclosure can be implemented in various forms and should not be limited by the embodiments set forth herein. On the contrary, these embodiments are provided to enable a more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0062] The embodiment of the present invention provides a method for processing business settlement, such as Figure 1 As shown, the method includes:

[0063] 101. Obtain the target business ID entered in the business settlement interface.

[0064] In the embodiment of the present invention, as the execution subject of the business settlement processing method, it can be a terminal processor, such as a client. After the user logs in to the business settlement system, he can enter the business settlement interface to customize the settlement business he needs. Among them, the current execution end first obtains the target business identifier selected and entered by the user in the business settlement interface. At this time, the business settlement interface provides the user with a business identifier entry box or multiple business identifier drop-down bars for selection and entry, so that the user can select a business identifier based on his own settlement business. The business identifier is used to represent the settlement business ID. The settlement business includes but is not limited to the international settlement business of commercial banks, letter of credit settlement business, etc., which is not specifically limited in the embodiment of the present invention.

[0065] 102. Retrieve a settlement model bound to the target service identifier, and output information items to be settled of the settlement model.

[0066] In the embodiment of the present invention, in order to meet the flexible business settlement needs of different users, the current execution end pre-configures the settlement model corresponding to different business identifiers, so that the user can automatically retrieve it after determining the target business identifier. Among them, the settlement model is a tree-structured settlement component constructed based on multiple settlement information with upper and lower layer dependencies. The settlement information is used to characterize different business parameters that need to be settled, including but not limited to settlement type, settlement object, settlement method, settlement account category, and account information. Specifically, each settlement information in the settlement model is a model that forms a tree structure according to the upper and lower layer dependencies, that is, the settlement type, settlement object, settlement method, settlement account category, and account information have upper and lower layer dependencies in sequence. Therefore, when outputting the information items to be settled in the settlement model, the settlement type information item, settlement object information item, settlement method information item, settlement account category information item, and account information item are output in sequence according to the upper and lower layer dependencies between the settlement type, settlement object, settlement method, settlement account category, and account information, so that after the user determines one, the next one is determined in sequence, and then the selection of all settlement information is completed one by one to obtain the target settlement information. The embodiment of the present invention does not make specific limitations. For example, Figure 3 Schematic diagram of inputting information items to be settled shown.

[0067] 103. After the target settlement information is determined based on the information item to be settled, the settlement strategy of the settlement model is retrieved to process the target settlement information, and a settlement result is obtained and outputted.

[0068] In the embodiment of the present invention, after the user enters the corresponding target settlement information in the business settlement interface according to the information items to be settled, the current execution end retrieves the settlement strategy of the settlement model to process the target settlement information, obtains the settlement result, and outputs it to the user for viewing in the business settlement interface. In addition, the settlement strategy can be embedded in the client as a processing component, and after obtaining all the target settlement information, the settlement calculation is performed, which is not specifically limited in the embodiment of the present invention.

[0069] In a specific implementation scenario, for a certain bank project settlement, when determining the target settlement information based on the information items to be settled, the steps include: 1. Display the fee list, including handling fees, postage, and telegraph fees, and display the drop-down box of the fee object supported by each fee; 2. The user enters the corresponding fee currency and fee amount; 3. When the user has selected the fee object, the front end refreshes the following fee method option box; 4. When the user has selected the fee method, the front end refreshes the fee deduction account type. When the fee method is selected as delayed collection, the corresponding fee currency and fee amount will be brought to the downstream transaction. When the downstream transaction is carried out, the fee will be collected by the way; 5. When the user has selected the fee deduction account type, the front end refreshes the corresponding account list for the user to choose; 6. The user finally selects the fee deduction account. All the above entered information can be used as settlement information.

[0070] An embodiment of the present invention provides a method for processing business settlement. The embodiment of the present invention obtains a target business identifier entered in a business settlement interface; calls a settlement model bound to the target business identifier, and outputs information items to be settled of the settlement model, wherein the settlement model is a tree-structured settlement component constructed based on multiple settlement information with upper and lower layer dependencies; after determining the target settlement information based on the information items to be settled, calls the settlement strategy of the settlement model to process the target settlement information, obtains a settlement result, and outputs it, thereby achieving the purpose of providing business settlement for different users, reducing the development cost of the settlement system by professionals, meeting the needs of users for custom development of business settlement, and thereby greatly improving the execution efficiency of different business settlements.

[0071] In another embodiment of the present invention, for further explanation and limitation, before the step of obtaining the target service identifier entered in the service settlement interface, the method further includes:

[0072] In response to the settlement model configuration instruction, obtaining a target business identifier in a configuration interface of the business settlement system;

[0073] Retrieving and displaying settlement related items matching the target business identifier;

[0074] Determine to select multiple settlement information corresponding to the settlement related items one by one according to the upper and lower layer dependency relationship, and construct a tree structure settlement network according to the settlement information;

[0075] The settlement component corresponding to the settlement information is retrieved, and the settlement component is bound to the tree-structured settlement network to obtain a settlement model.

[0076] In order to realize the flexible configuration requirements of users for different business settlements, thereby improving the efficiency of business settlement, the current execution end pre-customizes the settlement model according to the needs of users. Specifically, first respond to the settlement model configuration instruction, obtain the target business identifier in the configuration interface of the business settlement system. At this time, the business settlement system can also provide a configuration interface for the user so that the user can trigger the settlement model configuration instruction and enter the target business identifier that needs to be configured for the settlement model. Then, the settlement related items matching the target business identifier are retrieved and displayed to the user. At this time, the settlement related items include options of multiple settlement information with upper and lower layer dependencies, that is, when the settlement information with upper and lower layer dependencies includes settlement type, settlement object, settlement method, settlement account category, and account information, the corresponding settlement related items include settlement type information item, settlement object information item, settlement method information item, settlement account category information item, and account information item. At this time, the upper and lower layer dependencies of the case number can be retrieved and displayed in sequence for user selection, which is not specifically limited in the embodiment of the present invention. In addition, the current execution terminal is pre-configured with next-level information-related items corresponding to different settlement-related items. Therefore, when the user selects the target information-related item from the previous-level information-related items, the pre-configured next-level information-related items are output and displayed in a tree structure in the configuration interface, that is, there is a dependency relationship between the previous-level information-related items and the next-level information-related items. This dependency relationship can be configured through the server or the background processor, and the embodiment of the present invention does not specifically limit it. After the user selects the corresponding settlement-related items one by one according to the upper and lower-level dependency relationships, a tree-structured settlement network is constructed based on the settlement information corresponding to the settlement-related items, such as Figure 2 The tree-structured settlement network shown. After the settlement network is constructed, the current execution end calls the settlement component corresponding to the settlement information. At this time, the settlement component is embedded with a settlement strategy for performing logical operations on the settlement information. At this time, the logical operation includes mathematical operations such as addition, multiplication, and division to calculate the settlement results required for each settlement business. At this time, the logical operation is configured as a component for packaging to facilitate overall retrieval. At the same time, different settlement businesses can pre-configure different settlement strategies for logical operations for settlement information. Then, the settlement component is bound to the tree-structured settlement network to obtain a settlement model. Specifically, when binding, binding is performed according to the settlement component corresponding to the settlement information to obtain a settlement model containing multiple settlement components.

[0077] In another embodiment of the present invention, for further explanation and limitation, the step of determining to select multiple settlement information corresponding to the settlement related items one by one according to the upper and lower layer dependencies, and constructing a tree structure settlement network according to the settlement information includes:

[0078] Output the settlement related items one by one according to the upper and lower layer dependency relationships, and configure the node level, node level attributes, node name, and parent node name for the settlement information in the process of selecting the settlement related items;

[0079] The target business identifier is used as a root node, and a tree-structured settlement network is constructed based on the node hierarchy, the node hierarchy attributes, the node name, and the settlement information corresponding to the parent node name.

[0080] In order to achieve customized and flexible construction of a tree-structured settlement network, and to enhance the visualization of the dependency relationship between settlement information, and to meet the flexible settlement needs of different users, when the current execution end constructs a tree-structured settlement network, the current execution end first outputs the settlement-related items one by one according to the dependency relationship between the upper and lower layers, and configures the node level, node level attributes, node name, and parent node name for the settlement information in the process of selecting the settlement-related items. Among them, the node level is used to characterize the dependency relationship between the upper and lower layers, and the settlement information of the lower node has a dependency relationship with the settlement information of the upper node. The node level attributes are used to characterize the type attributes of the node information bound to this node level, such as the charging type, business type, etc. The node name and the parent node name are specific names that characterize the settlement information on the nodes in the tree structure, and the embodiments of the present invention do not make specific limitations. Furthermore, the current execution end uses the target business identifier as the root node, and constructs a tree-structured settlement network based on the settlement information corresponding to the node level, node level attributes, node name, and parent node name, such as Figure 3 The business identifier shown is the tree-structured settlement network for the import license opening and settlement business.

[0081] In another embodiment of the present invention, for further explanation and limitation, after the step outputs the to-be-settled information items of the settlement model, the method further includes:

[0082] In response to the first settlement type selection instruction, calling and outputting a settlement object corresponding to the selected settlement type;

[0083] In response to the second selection instruction of the settlement object, calling and outputting the settlement method corresponding to the selected settlement object;

[0084] In response to the third selection instruction of the settlement method, calling and outputting the selected settlement account type;

[0085] The account information matching the settlement account category is obtained to obtain the target settlement information selected by the user based on the information to be settled.

[0086] In order to enable users to enter accurate settlement information in sequence according to the dependency relationship, thereby improving the effectiveness of business settlement, the information items to be settled are displayed in sequence for users in the business settlement interface according to the tree structure in the settlement model, so that users can select and enter settlement information. Specifically, when determining the target settlement information based on the information items to be settled, the current execution end outputs the node names corresponding to the node layer attributes in sequence according to the tree structure in the settlement model, or directly provides the user with an entry box for the node layer attributes, so that in response to the first selection instruction whose node layer attribute is the settlement type, the settlement object corresponding to the selected settlement type is retrieved and output as the node name of the current level. Sequentially, in response to the second selection instruction as the node layer attribute settlement object, the settlement method corresponding to the selected settlement object is retrieved and output as the node name of the current level. Furthermore, in response to the third selection instruction whose node layer attribute is the settlement method, the settlement account category selected is retrieved and output as the node name of the current level. Finally, the account information matching the settlement account category is obtained to obtain the target settlement information selected by the user based on the information to be settled.

[0087] It should be noted that after the current execution end completes the construction of a settlement model corresponding to a business identifier, a settlement model corresponds to a tree-structured settlement network. Each node on the tree obtains a corresponding piece of data and stores it in the database, including the node level, node level attributes, node name, parent node name, etc. of this data. The embodiment of the present invention does not make specific limitations. When the current execution end triggers settlement, it first loads the matching model into the server cache based on the target business identifier. When the user enters the corresponding settlement information based on the settlement model, the current execution end automatically updates the cached data, and after the user enters a certain transaction page, it transmits the business identifier to the server. The server returns the matching settlement model to the client for settlement processing and displays the result, such as Figure 4Schematic diagram of settlement results shown. For another example, for the scenario where settlement information matching the settlement model is entered into the client front-end settlement interface, specifically, the charge type (charge name) is loaded according to the charge model definition, that is, the settlement model is the charge model, and the second layer of the tree is loaded based on the charge name, that is, the receivable currency and the receivable amount. At this time, you can query the charging standard plug-in, and it is displayed by default, and it supports modification; load the charging object according to the charging model definition, that is, the third layer of the settlement model; load the matching charging method according to the charging model definition, that is, the fourth layer of the settlement model; load the deduction account type according to the charging model definition, that is, the fifth layer of the settlement model. Different settlement business systems have different model configurations. By expanding the settlement models of different businesses, more charging objects, charging methods, and deduction account types are configured to complete the corresponding charging business, such as Figure 5 shown.

[0088] In a specific embodiment, when entering settlement information according to the upper and lower layer dependencies in the settlement model, the business type is first determined based on the target business identifier, and then the types of charges are determined, and the fees that need to be collected are matched. For example, for the import license business, handling fees, postage, and telegraph fees are required; when the charge type is determined, the charge object is determined, that is, which charge object will pay for each fee, such as the postage for the import license opening business is borne jointly by the payee and the payee; after the charge object is determined, the charging method is confirmed in turn, such as for the import license opening business, both parties bear the postage. In addition, when collecting fees, they can be collected when the import license opening transaction is executed (on-the-spot collection), or they can be collected in subsequent transactions such as the acceptance and payment stage (delayed collection), or they can be waived, which is not specifically limited in the embodiments of the present invention. When the charging method is determined, the category of the deduction account is finally determined, such as the mailing fee for opening an import license. If the payer pays, the category of the deduction account can be a customer account and a closed account. If the payee pays, the category of the deduction account is generally an interbank account, etc. The embodiment of the present invention does not make specific restrictions. Finally, the account list is determined for the user to select the deduction account number to execute the fee settlement business. Figure 3 The tree structure shown obtains all settlement information.

[0089] In another embodiment of the present invention, for further explanation and limitation, the step of calling the settlement strategy of the settlement model to process the target settlement information, obtaining the settlement result, and outputting it includes:

[0090] Verifying the user's settlement status according to the settlement conditions in the settlement policy;

[0091] If the user settlement status passes the verification, the target settlement information is calculated according to the settlement algorithm in the settlement strategy to obtain a settlement result;

[0092] The settlement result is output to the business settlement interface.

[0093] In order to achieve the purpose of user-defined business settlement, as a business settlement system, in order to ensure the validity and accuracy of the settlement, after determining the settlement model, the current execution end first verifies the user settlement status according to the settlement conditions in the settlement strategy of the settlement model. Among them, the user settlement status includes at least one of the settlement data format, settlement account status, settlement amount type, and historical settlement information. The settlement data format is characterized by data formats such as settlement amount and settlement amount, the settlement account status is characterized by the use status of the settlement deduction account, the settlement amount type is characterized by the amount exchange rate, currency, etc. of the settlement deduction, and the historical settlement information is characterized by whether the historical information of the delayed fees for the pre-transaction is collected, etc., which is not specifically limited in the embodiment of the present invention. At this time, the user settlement status is verified based on the settlement conditions, that is, at least one of the settlement data format, settlement account status, settlement amount type, and historical settlement information is judged according to the settlement conditions. If the user settlement status passes the verification, the target settlement information is calculated according to the settlement algorithm in the settlement strategy to obtain the settlement result. At this time, the settlement algorithm is a specific algorithm for executing logic operations on the settlement information in the settlement strategy, which is not specifically limited in the embodiment of the present invention. Finally, the settlement results are output to the business settlement interface for users to view.

[0094] In a specific embodiment, Figure 6As shown, after receiving the settlement information, the data is verified according to the settlement conditions to see if it complies with the model definition format, etc., including but not limited to: 1. Verify the charging data, mainly to check whether the data is transmitted in the format defined by the model, and whether the charging currency, amount, charging object, charging method, deduction account type, and deduction account of each fee are transmitted according to the model settings. For example, if the charging method is cash on delivery, but the deduction account type and deduction account number are not transmitted, the request will be rejected; 2. Verify the calculation of current business expenses: When the deduction account currency is inconsistent with the receivable currency selected by the user, the backend will calculate the amount to be deducted from the deduction account based on the exchange rate, and compare it with the value transmitted from the front end to ensure consistency. For example, when charging the handling fee, the user selects the receivable currency as US dollars and the receivable amount is 100, but the actual deduction account uses a Hong Kong dollar account, then the charging engine needs to convert USD to HKD. 100.00 is calculated as HKD778.41 according to the market exchange rate of 7.7841; 3. Calculation and verification of historical fees for front-end link business: Some fees are charged for delayed fees for front-end transactions. As in the previous step, the deduction amount needs to be verified to ensure the consistency of front-end and back-end data; 4. Check whether the status of the deduction account is normal: whether the balance is sufficient. If the status is abnormal or the balance is insufficient, the processing will be rejected; 5. Current business fee invoice splitting: According to the corresponding accounting subjects and summary configurations for each transaction and each fee, the corresponding invoice splitting is performed. For example, if the handling fee is HKD300.00, then the corresponding A pair of invoices should be generated: debit customer account XXXXX, currency HKD, amount 300.00, summary XXXXX, credit internal fee accounting account XXXXXX, currency HKD, amount 300.00, summary XXXXX; and so on, as many pairs of invoices as the number of fees collected; 6. Split of front-end link business historical fee invoices: Same as the previous step, split the corresponding invoices according to the accounting account and summary configuration corresponding to each transaction fee; 7. Unified fee accounting: After the invoices split in the above two steps are merged, send the invoices to the core system for accounting and deduction.

[0095] In another embodiment of the present invention, for further explanation and limitation, before the step of calling the settlement strategy of the settlement model to process the target settlement information to obtain the settlement result and outputting it, the method further includes:

[0096] When it is detected that the target business identifier is configured with a settlement amount standard authority, the amount settlement item corresponding to the settlement amount standard authority is retrieved and output;

[0097] The settlement strategy is adjusted according to the amount settlement type selected for the amount settlement item, so as to process the target settlement information based on the adjusted settlement strategy.

[0098] In order to deal with the settlement needs of users in a targeted manner and improve the settlement flexibility and diversity of the business settlement system, the current execution end detects whether the target business identifier is configured with the settlement amount standard authority before the settlement is based on the settlement strategy. At this time, the settlement amount standard authority is used to represent the authority to settle according to the settlement amount standard, for example, the authority to unify the charging standard, which is not specifically limited in the embodiment of the present invention. When it is detected that the target business identifier is configured with the settlement amount standard authority, the amount settlement item corresponding to the settlement amount standard authority is retrieved and output. At this time, the retrieved amount settlement item can be the standard for settlement of specific expense types, and can be retrieved in the form of a plug-in, which is not specifically limited in the embodiment of the present invention. Further, the settlement strategy is adjusted according to the amount settlement type selected by the amount settlement item to process the target settlement information based on the adjusted settlement strategy. At this time, the amount settlement item is the charging option for the settlement business with unified charging standards, including but not limited to handling fees, postage, etc. The amount settlement type is used to represent the type of charging amount that the user can select, including but not limited to floating charges, fixed charges, etc., so as to adjust the settlement strategy according to the amount settlement type selected by the amount settlement item.

[0099] In a specific embodiment, Figure 7As shown, it is possible to detect whether the target business identifier is configured with the settlement amount standard authority and adjust the settlement strategy according to the amount settlement type selected by the amount settlement item and embed it into the fee standard plug-in to achieve the purpose of providing users with a unified standard charging amount standard and setting personalized charging amount for individual customers. The specific steps include but are not limited to: according to business practices, customer-level charges are given priority. If no customer-level charges are set, a unified charging standard is used. For example, when customer A applies for a letter of credit opening business, after the system loads the charging page, the front-end charging page will call the fee standard plug-in of the back-end charging engine to obtain the default charging currency and amount for each fee. At this time, all types of charges can be configured with corresponding charging standards through this fee standard plug-in. According to different user needs, the plug-in can also define different levels of charges through floating charges to achieve the purpose of personalized charges and discounts. The final charging amount is displayed to the front-end for reference by business personnel. The processing flow includes: charging standard query and unified charging standard maintenance. Regarding charging standard inquiries, when the user enters a transaction charging page: the client page queries the charging model from the backend server charging engine and loads it; the client page requests the charging standard plug-in from the backend server to query the charging standard; the loaded plug-in first queries whether the customer-level standard exists, and returns if so; if there is no customer-level standard, then queries the unified charging standard, and returns if so; the client displays the default charging currency and amount. For unified charging standard maintenance, users enter the charging standard maintenance page, and the processing flow includes: selecting business types, such as opening a letter of credit; selecting charging items, that is, fee types, such as handling fees, or postage, or telegraph fees; setting fixed charges, selecting charging currencies, and setting charging amounts, such as opening an import certificate, setting the charging currency for the handling fee to HKD, and the charging amount to 250.50; setting floating charges, dynamically adding each layer of transaction starting amount, selecting charging currencies, and setting charging amounts, such as opening an import certificate, the transaction amount is 0-1000, the charging ratio is 10%, the transaction amount is 1000-10000, the charging ratio is 8%, the transaction amount is 10000-infinity, the charging ratio is 7%, etc. For customer charging standard maintenance: the process is the same as unified charging standard maintenance, except that the charging standard maintenance is linked to the customer.

[0100] An embodiment of the present invention provides a method for processing business settlement. The embodiment of the present invention obtains a target business identifier entered in a business settlement interface; calls a settlement model bound to the target business identifier, and outputs information items to be settled of the settlement model, wherein the settlement model is a tree-structured settlement component constructed based on multiple settlement information with upper and lower layer dependencies; after determining the target settlement information based on the information items to be settled, calls the settlement strategy of the settlement model to process the target settlement information, obtains a settlement result, and outputs it, thereby achieving the purpose of providing business settlement for different users, reducing the development cost of the settlement system by professionals, meeting the needs of users for custom development of business settlement, and thereby greatly improving the execution efficiency of different business settlements.

[0101] Furthermore, as a response to the above Figure 1 The embodiment of the present invention provides a processing device for business settlement, such as Figure 8 As shown, the device comprises:

[0102] The acquisition module 21 is used to acquire the target business identifier entered in the business settlement interface;

[0103] A calling module 22, used to call the settlement model bound to the target business identifier and output the to-be-settled information items of the settlement model, wherein the settlement model is a tree-structured settlement component constructed based on multiple settlement information with upper and lower layer dependencies;

[0104] The processing module 23 is used to call the settlement strategy of the settlement model to process the target settlement information after determining the target settlement information based on the information item to be settled, obtain the settlement result, and output it.

[0105] Furthermore, the device further comprises: a determination module, a binding module,

[0106] The acquisition module is further used to obtain the target business identifier in the configuration interface of the business settlement system in response to the settlement model configuration instruction;

[0107] The retrieval module is further used to retrieve and display settlement related items matching the target business identifier, wherein the settlement related items include options of multiple settlement information having upper and lower layer dependencies;

[0108] The determination module is used to determine to select a plurality of settlement information corresponding to the settlement related items one by one according to the upper and lower layer dependency relationship, and to construct a tree-structured settlement network according to the settlement information;

[0109] The binding module is used to retrieve the settlement component corresponding to the settlement information and bind the settlement component to the tree-structured settlement network to obtain a settlement model. The settlement component is embedded with a settlement strategy for performing logical operations on the settlement information.

[0110] Furthermore, the determination module is specifically used to output the settlement-related items one by one according to the upper and lower layer dependencies, and in the process of selecting the settlement-related items, configure the node level, node level attributes, node name, and parent node name for the settlement information; take the target business identifier as the root node, and construct a tree-structured settlement network based on the settlement information corresponding to the node level, the node level attributes, the node name, and the parent node name.

[0111] Furthermore, the settlement information having upper and lower hierarchical dependencies includes settlement type, settlement object, settlement method, settlement account category, and account information.

[0112] Furthermore, the calling module is also used to call and output the settlement object corresponding to the selected settlement type in response to the first selection instruction of the settlement type; call and output the settlement method corresponding to the selected settlement object in response to the second selection instruction of the settlement object; call and output the selected settlement account category in response to the third selection instruction of the settlement method; obtain account information matching the settlement account category to obtain the target settlement information selected by the user based on the information to be settled.

[0113] Furthermore, the processing module is also used to verify the user settlement status according to the settlement conditions in the settlement strategy, and the user settlement status includes at least one of the settlement data format, settlement account status, settlement amount type, and historical settlement information; if the user settlement status passes the verification, the target settlement information is calculated according to the settlement algorithm in the settlement strategy to obtain the settlement result; and the settlement result is output to the business settlement interface.

[0114] Furthermore, the device also includes:

[0115] The adjustment module is used to retrieve and output the amount settlement item corresponding to the settlement amount standard authority when it is detected that the target business identifier is configured with the settlement amount standard authority; adjust the settlement strategy according to the amount settlement type selected by the amount settlement item, so as to process the target settlement information based on the adjusted settlement strategy.

[0116] The embodiment of the present invention provides a processing device for business settlement. Compared with the prior art, the embodiment of the present invention obtains a target business identifier entered in a business settlement interface; calls a settlement model bound to the target business identifier, and outputs the to-be-settled information item of the settlement model, wherein the settlement model is a tree-structured settlement component constructed based on multiple settlement information with upper and lower layer dependencies; after determining the target settlement information based on the to-be-settled information item, calls the settlement strategy of the settlement model to process the target settlement information, obtains a settlement result, and outputs it, thereby achieving the purpose of providing business settlement for different users, reducing the development cost of the settlement system by professionals, meeting the needs of users for custom development of business settlement, and thereby greatly improving the execution efficiency of different business settlements.

[0117] According to an embodiment of the present invention, a storage medium is provided, wherein the storage medium stores at least one executable instruction, and the computer executable instruction can execute the service settlement processing method in any of the above method embodiments.

[0118] Fig. 9 A schematic diagram of the structure of a terminal provided according to an embodiment of the present invention is shown. The specific embodiment of the present invention does not limit the specific implementation of the terminal.

[0119] like Fig. 9 As shown, the terminal may include: a processor (processor) 302 , a communication interface (Communications Interface) 304 , a memory (memory) 306 , and a communication bus 308 .

[0120] The processor 302 , the communication interface 304 , and the memory 306 communicate with each other via the communication bus 308 .

[0121] The communication interface 304 is used to communicate with other devices such as clients or other servers.

[0122] The processor 302 is used to execute the program 310, and specifically can execute the relevant steps in the above-mentioned embodiment of the processing method for business settlement.

[0123] Specifically, the program 310 may include program codes, which include computer operation instructions.

[0124] The processor 302 may be a central processing unit (CPU), or an application-specific integrated circuit (ASIC), or one or more integrated circuits configured to implement the embodiment of the present invention. The one or more processors included in the terminal may be processors of the same type, such as one or more CPUs; or processors of different types, such as one or more CPUs and one or more ASICs.

[0125] The memory 306 is used to store the program 310. The memory 306 may include a high-speed RAM memory, and may also include a non-volatile memory (non-volatile memory), such as at least one disk memory.

[0126] The program 310 may be specifically configured to enable the processor 302 to perform the following operations:

[0127] Obtain the target business ID entered in the business settlement interface;

[0128] Retrieving a settlement model bound to the target business identifier, and outputting the to-be-settled information items of the settlement model, wherein the settlement model is a tree-structured settlement component constructed based on multiple settlement information with upper and lower layer dependencies;

[0129] After the target settlement information is determined based on the information item to be settled, the settlement strategy of the settlement model is retrieved to process the target settlement information, obtain the settlement result, and output it.

[0130] Obviously, those skilled in the art should understand that the above modules or steps of the present invention can be implemented by a general computing device, they can be concentrated on a single computing device, or distributed on a network composed of multiple computing devices, and optionally, they can be implemented by a program code executable by a computing device, so that they can be stored in a storage device and executed by the computing device, and in some cases, the steps shown or described can be executed in a different order than here, or they can be made into individual integrated circuit modules, or multiple modules or steps therein can be made into a single integrated circuit module for implementation. Thus, the present invention is not limited to any specific combination of hardware and software.

[0131] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A method for processing business settlement, characterized in that: include: Obtain the target business ID entered in the business settlement interface; Retrieving a settlement model bound to the target business identifier, and outputting the to-be-settled information items of the settlement model, wherein the settlement model is a tree-structured settlement component constructed based on multiple settlement information with upper and lower layer dependencies; After the target settlement information is determined based on the information item to be settled, the settlement strategy of the settlement model is retrieved to process the target settlement information, obtain the settlement result, and output it.

2. The method according to claim 1, characterized in that Before obtaining the target service identifier entered in the service settlement interface, the method further includes: In response to the settlement model configuration instruction, obtaining a target business identifier in a configuration interface of the business settlement system; Retrieving and displaying settlement related items matching the target business identifier, the settlement related items including options of multiple settlement information having upper and lower layer dependency relationships; Determine to select multiple settlement information corresponding to the settlement related items one by one according to the upper and lower layer dependency relationship, and construct a tree structure settlement network according to the settlement information; The settlement component corresponding to the settlement information is retrieved, and the settlement component is bound to the tree-structured settlement network to obtain a settlement model, wherein the settlement component is embedded with a settlement strategy for performing logical operations on the settlement information.

3. The method according to claim 2, characterized in that The step of determining to select a plurality of settlement information corresponding to the settlement related items one by one according to the upper and lower layer dependency relationship, and constructing a tree-structured settlement network according to the settlement information includes: Output the settlement related items one by one according to the upper and lower layer dependency relationships, and configure the node level, node level attributes, node name, and parent node name for the settlement information in the process of selecting the settlement related items; The target business identifier is used as a root node, and a tree-structured settlement network is constructed based on the node hierarchy, the node hierarchy attributes, the node name, and the settlement information corresponding to the parent node name.

4. The method according to any one of claims 1 to 3, characterized in that: The settlement information with upper and lower hierarchical dependencies includes settlement type, settlement object, settlement method, settlement account category, and account information.

5. The method according to claim 4, characterized in that After outputting the to-be-settled information items of the settlement model, the method further includes: In response to the first settlement type selection instruction, calling and outputting a settlement object corresponding to the selected settlement type; In response to the second selection instruction of the settlement object, calling and outputting the settlement method corresponding to the selected settlement object; In response to the third selection instruction of the settlement method, calling and outputting the selected settlement account type; The account information matching the settlement account category is obtained to obtain the target settlement information selected by the user based on the information to be settled.

6. The method according to claim 4, characterized in that The step of calling the settlement strategy of the settlement model to process the target settlement information, obtaining a settlement result, and outputting the result includes: Verifying the user's settlement status according to the settlement conditions in the settlement policy, wherein the user's settlement status includes at least one of the following: settlement data format, settlement account status, settlement amount type, and historical settlement information; If the user settlement status passes the verification, the target settlement information is calculated according to the settlement algorithm in the settlement strategy to obtain a settlement result; The settlement result is output to the business settlement interface.

7. The method according to claim 1, characterized in that Before the settlement strategy of the settlement model is retrieved to process the target settlement information to obtain the settlement result and output it, the method further includes: When it is detected that the target business identifier is configured with a settlement amount standard authority, the amount settlement item corresponding to the settlement amount standard authority is retrieved and output; The settlement strategy is adjusted according to the amount settlement type selected for the amount settlement item, so as to process the target settlement information based on the adjusted settlement strategy.

8. A business settlement processing device, characterized in that: include: The acquisition module is used to acquire the target business identifier entered in the business settlement interface; A calling module, used to call the settlement model bound to the target business identifier and output the to-be-settled information items of the settlement model, wherein the settlement model is a tree-structured settlement component constructed based on multiple settlement information with upper and lower layer dependencies; The processing module is used to call the settlement strategy of the settlement model to process the target settlement information after determining the target settlement information based on the information item to be settled, obtain the settlement result, and output it.

9. A storage medium storing at least one executable instruction, wherein the executable instruction enables a processor to execute an operation corresponding to the method for processing business settlement as described in any one of claims 1 to 7.

10. A terminal, comprising: A processor, a memory, a communication interface and a communication bus, wherein the processor, the memory and the communication interface communicate with each other via the communication bus; The memory is used to store at least one executable instruction, and the executable instruction enables the processor to execute an operation corresponding to the business settlement processing method as described in any one of claims 1-7.

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