Method and device for batch adjustment of loan account subjects and storage medium

Abstract

The invention discloses a method and device for adjusting loan account subjects in batches and a storage medium. Relates to the field of financial science and technology, and comprises the steps that a loan account set to be adjusted is determined, the loan account set comprises a plurality of loan accounts, and each loan account is at least associated with a main account; extracting the account attribute of each loan account in the loan account set; establishing a data structure according to the adjustment requirements of the account attributes and the account subjects; based on the data structure, constructing a batch adjustment tool of account subjects; and performing batch adjustment on the target batch account subjects in the loan account set by using a batch adjustment tool. Through the method and the device, the problem of low efficiency caused by repeated reading and writing when loan account subjects are adjusted in batches in related technologies is solved.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and more specifically, to a method, device and storage medium for batch adjusting loan account items. Background Art

[0002] In the current information technology systems of financial institutions, loan account adjustment is a routine but time-consuming operation. Especially when dealing with batch adjustment needs for a large number of loan accounts, the inefficiency of traditional adjustment methods is particularly significant.

[0003] Specifically, the adjustment of batch account titles in the prior art usually relies on looping through the title change operation of each loan note one by one. This process not only involves multiple reads of the loan account main table and multiple feature sub-tables to obtain detailed information on the current account titles, but also requires frequent write operations to the database to achieve title changes and balance updates. This processing method, especially when a single loan account contains multiple amount types (such as normal principal, overdue principal, interest owed on the table, interest owed off the table, etc.), and these amount types need to be converted between different titles, will lead to a significant decrease in efficiency.

[0004] Currently, no effective solution has been proposed to address the problem of low efficiency caused by repeated reading and writing when adjusting loan account items in batches in related technologies. Summary of the invention

[0005] The main purpose of the present application is to provide a method, device and storage medium for batch adjusting loan account items, so as to solve the problem of low efficiency caused by repeated reading and writing when batch adjusting loan account items in the related art.

[0006] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a method for adjusting loan account subjects in batches is provided. The method comprises: determining a loan account set to be adjusted, wherein the loan account set includes multiple loan accounts, and each loan account is associated with at least one master account; extracting account attributes of each loan account in the loan account set; establishing a data structure according to the account attributes and the adjustment requirements of the account subjects; constructing a batch adjustment tool for the account subjects based on the data structure; and using the batch adjustment tool to batch adjust the target batch account subjects in the loan account set.

[0007] Furthermore, according to the account attributes and the adjustment requirements of the account subjects, establishing the data structure includes: obtaining the account attribute information of each account subject in the loan account set; filling in the preset data structure model according to the account attribute information and the adjustment requirements of the account subjects to obtain the data structure.

[0008] Furthermore, based on the data structure, constructing a batch adjustment tool for account subjects includes: parsing the account attribute information and the adjustment requirements of the account subjects in the data structure, and determining the target adjustment objects of the target batch account subjects in the loan account set; constructing batch adjustment instructions of the batch adjustment tool according to the target adjustment objects; and constructing the batch adjustment tool for account subjects according to the batch adjustment instructions.

[0009] Furthermore, using the batch adjustment tool to batch adjust the target batch account items in the loan account set includes: calling a batch adjustment instruction; executing the batch adjustment instruction through a database to batch adjust the target adjustment objects in the target batch account items.

[0010] Further, using the batch adjustment tool to batch adjust the target batch account subjects in the loan account set includes: when using the batch adjustment tool to batch adjust the target batch account subjects in the loan account set, determining whether there is a target identifier on the target batch account; if the target identifier exists on the target batch account, no adjustment is made to the account amount in the target batch account.

[0011] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a device for adjusting loan account subjects in batches is provided. The device comprises: a determination unit, used to determine a loan account set to be adjusted, wherein the loan account set includes multiple loan accounts, and each loan account is associated with at least one master account; an extraction unit, used to extract the account attributes of each loan account in the loan account set; an establishment unit, used to establish a data structure according to the account attributes and the adjustment requirements of the account subjects; a construction unit, used to construct a batch adjustment tool for the account subjects based on the data structure; and an adjustment unit, used to use the batch adjustment tool to batch adjust the target batch account subjects in the loan account set.

[0012] Furthermore, the establishment unit includes: an acquisition module for acquiring account attribute information of each account item in the loan account set; a filling module for filling a preset data structure model according to the account attribute information and the adjustment requirements of the account items to obtain a data structure.

[0013] Furthermore, the construction unit includes: a parsing module, which is used to parse the account attribute information and the adjustment requirements of the account subjects in the data structure, and determine the target adjustment objects of the target batch account subjects in the loan account set; a first construction module, which is used to construct a batch adjustment instruction of the batch adjustment tool according to the target adjustment object; and a second construction module, which is used to construct a batch adjustment tool for the account subjects based on the batch adjustment instruction.

[0014] Furthermore, the adjustment unit includes: a calling module for calling a batch adjustment instruction; an adjustment module for executing the batch adjustment instruction through a database to batch adjust target adjustment objects in target batch account titles.

[0015] Furthermore, the adjustment unit includes: a judgment module, which is used to judge whether there is a target identifier on the target batch account when batch adjusting the target batch account subjects in the loan account set using the batch adjustment tool; and an identification module, which is used to not adjust the account amount in the target batch account if the target identifier exists on the target batch account.

[0016] According to another aspect of the present application, a computer-readable storage medium is provided, the computer-readable storage medium including a stored program, wherein when the program is executed, the device where the computer-readable storage medium is located is controlled to execute any method for batch adjusting loan account items.

[0017] According to another aspect of the present application, an electronic device is provided, comprising: one or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors, and the one or more programs include a method for executing any one of batch adjustment of loan account items.

[0018] According to another aspect of the present application, a computer program product is provided, comprising computer instructions, which, when executed by a processor, implement the steps of any one of the above-mentioned methods for batch adjusting loan account items.

[0019] In an embodiment of the present application, by determining a loan account set to be adjusted, wherein the loan account set includes multiple loan accounts, each loan account is associated with at least one master account; extracting the account attributes of each loan account in the loan account set; establishing a data structure according to the account attributes and the adjustment requirements of the account subjects; constructing a batch adjustment tool for the account subjects based on the data structure; and using the batch adjustment tool to batch adjust the target batch account subjects in the loan account set, the technical problem of low efficiency caused by repeated reading and writing when batch adjusting the loan account subjects is solved. In the present application, a data structure is established by extracting the account attributes of the loan account set to be adjusted, a batch adjustment tool is constructed based on the established data structure, and the batch adjustment tool is used to batch adjust the target batch account subjects, thereby achieving the technical effect of improving the efficiency of batch adjusting the loan account subjects. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] The drawings constituting a part of the present application are used to provide a further understanding of the present application. The illustrative embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0021] Figure 1 A hardware structure block diagram of a computer terminal for implementing a method for batch adjustment of loan account items is shown;

[0022] Figure 2 is a flow chart of a method for batch adjusting loan account items provided in accordance with an embodiment of the present application;

[0023] Figure 3 It is a flowchart of a batch adjustment tool for constructing account subjects provided in accordance with an embodiment of the present application;

[0024] Figure 4 is a schematic diagram of a device for batch adjusting loan account items provided according to an embodiment of the present application;

[0025] Figure 5 It is a structural block diagram of an electronic device according to an embodiment of the present application. DETAILED DESCRIPTION

[0026] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0027] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application 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 interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0028] It should be noted that the relevant information (including but not limited to account information of loan account set, etc.) and data (including but not limited to data of target batch account items for adjustment, etc.) involved in this application are all information and data fully authorized by all parties. For example, an interface is set between this system and relevant institutions. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned institution through the interface, and obtain relevant information after receiving the consent information fed back by the aforementioned institution.

[0029] Example 1

[0030] According to an embodiment of the present application, a method embodiment for batch adjusting loan account items is also 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 the 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.

[0031] 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 batch adjustment of loan account items is shown. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more ( Figure 1 102a, 102b, ..., 102n are used to illustrate) processor 102 (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 are shown.

[0032] 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).

[0033] The memory 104 can be used to store software programs and modules of application software, such as program instructions / data storage devices corresponding to the method for adjusting loan account accounts in batches 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 adjusting loan account accounts in batches is realized. 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.

[0034] 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.

[0035] 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).

[0036] Under the above operating environment, this application provides Figure 2 The method shown is for batch adjustment of loan account items. Figure 2 It is a flowchart of the method for batch adjusting loan account items according to Example 1 of the present application.

[0037] Step S201, determining a loan account set to be adjusted, wherein the loan account set includes multiple loan accounts, and each loan account is associated with at least one master account.

[0038] Optionally, the above-mentioned main account refers to the core part of the loan account, such as the normal principal account. The main account is directly associated with the basic information of the loan and the main capital flow. The special sub-account can be an additional account established according to specific business scenarios or needs, such as for processing the share of other banks in syndicated loans, the share of third-party participants in sale-type loans, or special management accounts in non-performing loans. For each main account associated with a loan account, the system also needs to check and associate the special sub-accounts corresponding to the main account to ensure that these sub-accounts are also within the adjustment range. For example, when processing a syndicated loan, not only the accounts of the main account should be adjusted, but also the accounts of the related sub-accounts of other banks' shares should be adjusted at the same time to maintain the consistency and integrity of the entire loan structure.

[0039] For another example, a financial institution decides to uniformly adjust the overdue principal account numbers of all syndicated loans to adapt to new accounting policies or regulations. The system selects accounts that meet this condition through business rules to form a specific "loan account set to be adjusted". This set can contain multiple loan accounts, each of which is associated with at least one main account, such as a normal principal account.

[0040] Step S202: extracting the account attributes of each loan account in the loan account set.

[0041] Optionally, the system will extract the account attributes of each loan account in the account set to be adjusted, including the account type of the account sub-table, the new account number of the main account, the account number group of the sub-account, the main table account adjustment debit note group, each special sub-table account adjustment debit note group, and the account type group of the account sub-table. The account type of the account sub-table is an attribute for distinguishing special businesses. The account attribute is crucial for identifying the characteristics of the account and determining the scope of account adjustment.

[0042] Step S203, establishing a data structure according to the account attributes and account category adjustment requirements.

[0043] Optionally, based on the extracted account attributes and the adjustment requirements of specific account titles, a data structure can be designed and established. This data structure can contain title change information. For example, the overdue principal title of a syndicated loan needs to be adjusted from title number 101 to 102. This change information will be recorded in the data structure, clearly indicating that the overdue principal title of each account should be converted to the corresponding title number.

[0044] Step S204: construct a batch adjustment tool for account titles based on the data structure.

[0045] Optionally, based on the established data structure, a batch adjustment tool for account titles can be constructed. The batch adjustment tool is designed to process the title number adjustment of multiple accounts at one time, avoiding the inefficiency caused by the traditional method of operating each account individually. The batch adjustment tool can generate and execute efficient batch adjustment instructions, only updating the title number field without affecting the account amount field. At the same time, the batch adjustment tool can have a built-in transaction management mechanism to ensure that all title number changes are completed in one atomic operation to ensure data consistency.

[0046] Step S205: Use a batch adjustment tool to batch adjust the target batch account items in the loan account set.

[0047] For example, to adjust the overdue principal account number of a syndicated loan account, the batch adjustment tool can update the overdue principal account numbers of all eligible accounts at one time, changing the original number 101 to the new number 102. This operation is completed within a transaction, ensuring the integrity and consistency of the data change. After the adjustment is completed, the system will automatically submit the transaction to complete the adjustment of the batch account numbers.

[0048] In summary, the method for batch adjusting loan account subjects provided in the embodiment of the present application determines a loan account set to be adjusted, wherein the loan account set includes multiple loan accounts, and each loan account is associated with at least one master account; extracts the account attributes of each loan account in the loan account set; establishes a data structure according to the account attributes and the adjustment requirements of the account subjects; constructs a batch adjustment tool for the account subjects based on the data structure; and uses the batch adjustment tool to batch adjust the target batch account subjects in the loan account set, thereby solving the technical problem of low efficiency caused by repeated reading and writing when adjusting the loan account subjects in batches, thereby achieving the technical effect of improving the efficiency of batch adjusting the loan account subjects.

[0049] In an optional embodiment, according to the account attributes and the adjustment requirements of the account items, establishing the data structure includes:

[0050] The first step is to obtain the account attribute information of each account item in the loan account set.

[0051] Optionally, first, for each account in the determined "loan account set to be adjusted", detailed account attribute information needs to be obtained, including but not limited to account type, product type, product serial number, account status, etc. These attribute information will serve as an important basis for subsequent data structure adjustment and batch adjustment operations.

[0052] For example, to adjust the "overdue principal" account number in all "syndicated" loan accounts, first, the system will filter out all syndicated loan accounts from the "loan account set to be adjusted" and obtain the account attribute information of these accounts one by one. In addition to the attribute information of the main account, the system also needs to collect the attributes of the related special sub-accounts, such as the share accounts of other banks involved in the syndicated loan, to ensure that the batch adjustment covers all related accounts.

[0053] The second step is to fill in the preset data structure model based on the account attribute information and the adjustment requirements of the account subjects to obtain the data structure.

[0054] Optionally, after obtaining all necessary account attribute information, the next step is to fill this information into the preset data structure model to build a data structure suitable for batch account adjustment. The design of the data structure must fully consider the characteristics of the account and the specific needs of the account adjustment to ensure that batch operations can be processed efficiently.

[0055] The preset data structure model contains multiple fields for recording the adjustment information of each account, such as: Account ID: used to uniquely identify the account; Account type: used to distinguish between the main account and the special sub-account; Account type: such as normal principal, overdue principal, on-balance sheet interest, off-balance sheet interest, etc.; Current account number: the account number currently associated with the account; Target account number: the target number after the account adjustment; Account status: the current status of the account, which helps to confirm the applicability of the adjustment.

[0056] In summary, the above technical solution can build a highly customized and efficiency-optimized data structure, laying a solid foundation for the efficient execution of subsequent batch adjustment tools, and further improving the automation level of account management and business processing speed.

[0057] In an optional embodiment, if Figure 3 As shown, based on the data structure, the batch adjustment tools for account items include:

[0058] Step S301, parsing the account attribute information and the adjustment requirements of the account titles in the data structure, and determining the target adjustment objects of the target batch account titles in the loan account set.

[0059] Optionally, the detailed information of each account recorded in the parsed data structure may include account type, product type, product serial number, account status, etc., as well as the subject type and target subject serial number that need to be adjusted for each account. By parsing this information, it is possible to clearly determine which accounts are the targets of batch adjustment and the subject adjustment requirements for each account.

[0060] For example, in the data structure, the system may parse the following information: Account A: the account type is syndicated, the account type is overdue principal, the current account number is 101, and the target account number is 102; Account B: the account type is ordinary, the account type is in-balance sheet interest, the current account number is 201, and the target account number is 202.

[0061] Step S302: constructing a batch adjustment instruction of a batch adjustment tool according to the target adjustment object.

[0062] Optionally, after determining the adjustment objects and requirements, you can then build a batch adjustment instruction. Building a batch adjustment instruction can write a database operation statement that can update the account numbers of multiple accounts at one time without affecting the actual amount of the account.

[0063] Step S303: construct a batch adjustment tool for account titles based on the batch adjustment instruction.

[0064] Optionally, a batch adjustment tool can be developed based on the constructed batch adjustment instructions. The batch adjustment tool can be a program module or script that can execute the above batch adjustment instructions to achieve batch adjustment of multiple account items. The design of the batch adjustment tool needs to take into account the consistency of data and the security of transactions, ensuring that all adjustments are completed in one atomic operation to avoid potential data inconsistency issues.

[0065] Optionally, the batch adjustment tool can also have the following functions:

[0066] Transaction management: ensure that all account serial numbers are updated within one transaction. If any problems are encountered during the execution, they can be rolled back to the initial state to ensure data security.

[0067] Error handling: During the execution process, it can capture and handle various possible errors, such as database connection failure, insufficient permissions, etc., to ensure the stability of the batch adjustment process.

[0068] In summary, by building a batch adjustment tool through the above technical solution, a high degree of automation of account adjustment is achieved, which improves the efficiency and accuracy of business operations.

[0069] In an optional embodiment, using the batch adjustment tool to batch adjust the target batch account items in the loan account set includes:

[0070] The first step is to call the batch adjustment command.

[0071] Optionally, a batch adjustment instruction is a database operation statement used to batch update the subject numbers of target accounts without changing the actual amounts in the accounts. The process of calling the instruction may involve the following operations:

[0072] Parameterized processing: The batch adjustment tool uses the account ID, account type, current account number, target account number and other information parsed from the data structure as parameters, inserts them into the preset database operation statement template, and generates specific batch adjustment instructions;

[0073] Instruction verification: Before calling an instruction, the tool will perform syntax and logic verification on the generated instruction to ensure its correctness. This step helps prevent database operation failure or data corruption caused by instruction errors.

[0074] Transaction initialization: To ensure data consistency, the batch adjustment tool starts a database transaction before calling the command. Transaction management ensures that all batch adjustment operations are either fully successful or fully rolled back, avoiding partial success and partial failure.

[0075] The second step is to execute batch adjustment instructions through the database to batch adjust the target adjustment objects in the target batch account subjects.

[0076] Optionally, after calling the instruction and completing the verification, the batch adjustment tool will send the batch adjustment instruction to the database to perform batch account number adjustment. This process may also include:

[0077] Transaction commit: When all update operations are successfully completed, the batch adjustment tool will commit the transaction, formally update the data in the database, and make the account adjustment effective. If any exception is encountered during the execution process, the transaction will be automatically rolled back to ensure data security;

[0078] Result feedback: After execution is completed, the batch adjustment tool will generate an execution report, including the number of accounts that were successfully adjusted, the number of accounts that failed, and detailed reasons for failure, etc., to facilitate business personnel to monitor the adjustment process and results.

[0079] In summary, the above technical solution uses batch adjustment tools to adjust account numbers, which improves operational efficiency and data security and simplifies business operation processes.

[0080] In an optional embodiment, using the batch adjustment tool to batch adjust the target batch account subjects in the loan account set includes: when using the batch adjustment tool to batch adjust the target batch account subjects in the loan account set, determining whether there is a target identifier on the target batch account; if the target identifier exists on the target batch account, no adjustment is made to the account amount in the target batch account.

[0081] Optionally, the target identifier can be a specific mark or code to indicate that a certain account or a group of accounts should not be affected by the account balance when the account adjustment is performed. For example, when the account adjustment only involves a change in the account number but the amount remains unchanged, the system can automatically or manually add a target identifier to these accounts. Before the batch adjustment tool is ready to execute the adjustment instruction, it will first check whether the target identifier exists on each target batch account. This check is performed at the database level, which can be done by querying the field containing the target identifier, or checking whether the account status meets the condition of not modifying the amount.

[0082] For example, a financial institution uses a batch adjustment tool to batch adjust the target batch account titles in a loan account set, from title number 101 to 102, but only involves a change in title and the account amount remains unchanged. Before the adjustment, the status of each account is checked and it is found that there is a target indicator on the "syndicated" type loan account with account number 123456, indicating that the account amount should not be modified during the adjustment process.

[0083] In summary, the above technical solution can eliminate the need to adjust the account balances of the target batch account titles when performing batch adjustments of account numbers, thereby improving the efficiency of batch adjustments.

[0084] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0085] Example 2

[0086] The embodiment of the present application also provides a device for batch adjustment of loan account items. It should be noted that the device for batch adjustment of loan account items in the embodiment of the present application can be used to execute the method for batch adjustment of loan account items provided in the embodiment of the present application. The device for batch adjustment of loan account items provided in the embodiment of the present application is introduced below.

[0087] According to an embodiment of the present application, a device for implementing the above-mentioned method for batch adjusting loan account items is also provided, such as Figure 4 As shown, the device includes: a determination unit 401, an extraction unit 402, an establishment unit 403, a construction unit 404 and an adjustment unit 405.

[0088] Specifically, the determining unit 401 determines a loan account set to be adjusted, wherein the loan account set includes a plurality of loan accounts, and each loan account is associated with at least one primary account;

[0089] The extraction unit 402 extracts the account attributes of each loan account in the loan account set;

[0090] The establishing unit 403 establishes a data structure according to the account attributes and the adjustment requirements of the account subjects;

[0091] The construction unit 404 constructs a batch adjustment tool for account titles based on the data structure;

[0092] The adjustment unit 405 uses a batch adjustment tool to perform batch adjustments on target batch account items in the loan account set.

[0093] The device for batch adjustment of loan account subjects provided by the embodiment of the present application determines a loan account set to be adjusted through a determination unit 401, wherein the loan account set includes multiple loan accounts, and each loan account is associated with at least one master account; an extraction unit 402 extracts the account attributes of each loan account in the loan account set; an establishment unit 403 establishes a data structure according to the account attributes and the adjustment requirements of the account subjects; a construction unit 404 constructs a batch adjustment tool for the account subjects based on the data structure; and an adjustment unit 405 uses the batch adjustment tool to batch adjust the target batch account subjects in the loan account set, thereby solving the technical problem of low efficiency caused by repeated reading and writing when adjusting the loan account subjects in batches, thereby achieving the technical effect of improving the efficiency of batch adjustment of loan account subjects.

[0094] Optionally, in the device for batch adjustment of loan account items provided in an embodiment of the present application, the establishment unit 403 includes: an acquisition module, used to obtain account attribute information of each account item in the loan account set; a filling module, used to fill a preset data structure model according to the account attribute information and the adjustment requirements of the account items to obtain a data structure.

[0095] Optionally, in the device for batch adjustment of loan account items provided in an embodiment of the present application, the construction unit 404 includes: a parsing module, used to parse the account attribute information and the adjustment requirements of the account items in the data structure, and determine the target adjustment objects of the target batch account items in the loan account set; a first construction module, used to construct a batch adjustment instruction of the batch adjustment tool according to the target adjustment object; and a second construction module, used to construct a batch adjustment tool for the account items based on the batch adjustment instruction.

[0096] Optionally, in the device for batch adjusting loan account items provided in an embodiment of the present application, the adjustment unit 405 includes: a calling module for calling a batch adjustment instruction; an adjustment module for executing the batch adjustment instruction through a database to batch adjust the target adjustment objects in the target batch account items.

[0097] Optionally, in the device for batch adjusting loan account items provided in the embodiment of the present application, the adjustment unit 405 includes: a judgment module, which is used to judge whether there is a target identifier on the target batch account when batch adjusting the target batch account items in the loan account set using the batch adjustment tool; and an identification module, which is used to not adjust the account amount in the target batch account if there is a target identifier on the target batch account.

[0098] It should be noted that the above-mentioned determination unit 401, extraction unit 402, establishment unit 403, construction unit 404 and adjustment unit 405 correspond to steps S201 to S205 in Example 1, and the two modules and the corresponding steps implement the same examples and application scenarios, but are not limited to the contents disclosed in the above-mentioned Example 1. It should be noted that the above-mentioned 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-mentioned modules can also be run in the computer terminal 10 provided in Example 1 as part of the device.

[0099] Example 3

[0100] The embodiment of the present application may provide a computer terminal, which may be any computer terminal device in a computer terminal group. Optionally, in this embodiment, the computer terminal may also be replaced by a terminal device such as a mobile terminal or an electronic device.

[0101] Optionally, in this embodiment, the computer terminal may be located in at least one network device among a plurality of network devices of the computer network.

[0102] In this embodiment, the computer terminal can execute the program code of the following steps in the method for batch adjusting loan account subjects: determining a loan account set to be adjusted, wherein the loan account set includes multiple loan accounts, and each loan account is associated with at least one master account; extracting the account attributes of each loan account in the loan account set; establishing a data structure according to the account attributes and the adjustment requirements of the account subjects; constructing a batch adjustment tool for the account subjects based on the data structure; and using the batch adjustment tool to batch adjust the target batch account subjects in the loan account set.

[0103] Optionally, the computer terminal may execute the program code of the following steps in the method for batch adjusting loan account items: establishing a data structure according to account attributes and account item adjustment requirements, including: obtaining account attribute information of each account item in the loan account set; filling in a preset data structure model according to the account attribute information and account item adjustment requirements to obtain a data structure.

[0104] Optionally, the computer terminal may execute the following program codes of the method for batch adjusting loan account items: constructing a batch adjustment tool for account items based on the data structure, including: parsing the account attribute information and account item adjustment requirements in the data structure, and determining the target adjustment objects of the target batch account items in the loan account set; constructing batch adjustment instructions of the batch adjustment tool according to the target adjustment objects; and constructing a batch adjustment tool for account items based on the batch adjustment instructions.

[0105] Optionally, the computer terminal may execute the program code of the following steps in the method for batch adjusting loan account items: using a batch adjustment tool to batch adjust target batch account items in a loan account set includes: calling a batch adjustment instruction; executing the batch adjustment instruction through a database to batch adjust the target adjustment objects in the target batch account items.

[0106] Optionally, the above-mentioned computer terminal can execute the program code of the following steps in the method for batch adjusting loan account subjects: using the batch adjustment tool to batch adjust the target batch account subjects in the loan account set includes: when using the batch adjustment tool to batch adjust the target batch account subjects in the loan account set, determining whether there is a target identifier on the target batch account; if the target identifier exists on the target batch account, no adjustment is made to the account amount in the target batch account.

[0107] Optionally, Figure 5 is a structural block diagram of an electronic device according to an embodiment of the present application. Figure 5 As shown, the electronic device may include: one or more ( Figure 5 (only one is shown) processor 502, memory 504, 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 the program instructions / modules corresponding to the method and device for batch adjustment of loan account items in the embodiment of the present application. 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 for batch adjustment of loan account items. 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 program stored in the memory through the transmission device to execute the above steps in the above method for batch adjusting loan account items.

[0110] By adopting the embodiment of the present application, a solution for adjusting loan account subjects in batches is provided. By determining a loan account set to be adjusted, wherein the loan account set includes multiple loan accounts, and each loan account is associated with at least one master account; extracting the account attributes of each loan account in the loan account set; establishing a data structure according to the account attributes and the adjustment requirements of the account subjects; constructing a batch adjustment tool for the account subjects based on the data structure; and using the batch adjustment tool to batch adjust the target batch account subjects in the loan account set, the technical problem of low efficiency caused by repeated reading and writing when adjusting the loan account subjects in batches is solved, thereby achieving the technical effect of improving the efficiency of adjusting the loan account subjects in batches.

[0111] It can be understood by those skilled in the art that Figure 5 The structure shown is for illustration only, and the electronic device may also be a smart phone (such as an Android phone, an iOS phone, etc.), a tablet computer, a PDA, a mobile Internet device (Mobile Internet Devices, MID), a PAD, or other terminal devices. Figure 5 The structure of the electronic device is not limited. Figure 5 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Figure 5 Different configurations are shown.

[0112] 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.

[0113] Example 4

[0114] The embodiment of the present application further provides a storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the method for batch adjusting loan account items provided in the first embodiment.

[0115] Optionally, in this embodiment, the above 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.

[0116] Optionally, in this embodiment, the storage medium is configured to store program code for executing the following steps: determining a loan account set to be adjusted, wherein the loan account set includes multiple loan accounts and each loan account is associated with at least one master account; extracting account attributes of each loan account in the loan account set; establishing a data structure based on the account attributes and the adjustment requirements of the account subjects; based on the data structure, constructing a batch adjustment tool for the account subjects; and using the batch adjustment tool to batch adjust the target batch account subjects in the loan account set.

[0117] Optionally, the storage medium is also configured to store program code for executing the following steps: establishing a data structure based on account attributes and account subject adjustment requirements, including: obtaining account attribute information of each account subject in the loan account set; filling in a preset data structure model based on the account attribute information and account subject adjustment requirements to obtain a data structure.

[0118] Optionally, the storage medium is also configured to store program code for executing the following steps: based on the data structure, constructing a batch adjustment tool for account subjects, including: parsing the account attribute information and the adjustment requirements of the account subjects in the data structure, and determining the target adjustment objects of the target batch account subjects in the loan account set; constructing batch adjustment instructions of the batch adjustment tool according to the target adjustment objects; and constructing a batch adjustment tool for account subjects based on the batch adjustment instructions.

[0119] Optionally, the storage medium is also configured to store program codes for executing the following steps: using a batch adjustment tool to batch adjust target batch account items in a loan account set includes: calling a batch adjustment instruction; executing the batch adjustment instruction through a database to batch adjust target adjustment objects in the target batch account items.

[0120] Optionally, the storage medium is also configured to store program codes for executing the following steps: using the batch adjustment tool to batch adjust the target batch account subjects in the loan account set, including: when using the batch adjustment tool to batch adjust the target batch account subjects in the loan account set, determining whether there is a target identifier on the target batch account; if the target identifier exists on the target batch account, no adjustment is made to the account amount in the target batch account.

[0121] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing the program steps of the method for batch adjusting loan account items.

[0122] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0123] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0124] 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 is only 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.

[0125] 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 network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0126] In addition, each functional unit in each embodiment of the present application 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.

[0127] 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 application, 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 to enable 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 application. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, disk or optical disk and other media that can store program codes.

[0128] The above is only a preferred implementation of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A method for adjusting loan account items in batches, characterized in that: include: Determining a loan account set to be adjusted, wherein the loan account set includes multiple loan accounts, and each loan account is associated with at least one master account; Extracting account attributes of each loan account in the loan account set; Establishing a data structure according to the account attributes and account adjustment requirements; Based on the data structure, a batch adjustment tool for account titles is constructed; The batch adjustment tool is used to batch adjust the target batch account subjects in the loan account set.

2. The method according to claim 1, characterized in that According to the account attributes and account adjustment requirements, the data structure is established including: Obtaining account attribute information of each account item in the loan account set; According to the account attribute information and the adjustment requirements of the account items, the model of the preset data structure is filled to obtain the data structure.

3. The method according to claim 2, characterized in that Based on the data structure, the batch adjustment tool for account titles includes: Parsing the account attribute information and the account title adjustment requirements in the data structure, and determining the target adjustment objects of the target batch account titles in the loan account set; Constructing a batch adjustment instruction of the batch adjustment tool according to the target adjustment object; Based on the batch adjustment instructions, a batch adjustment tool for account subjects is constructed.

4. The method according to claim 3, characterized in that Using the batch adjustment tool to batch adjust the target batch account items in the loan account set includes: Calling the batch adjustment instruction; The batch adjustment instruction is executed through a database to batch adjust the target adjustment objects in the target batch account subjects.

5. The method according to claim 1, characterized in that Using the batch adjustment tool to batch adjust the target batch account items in the loan account set includes: When using the batch adjustment tool to batch adjust the target batch account subjects in the loan account set, determining whether a target identifier exists on the target batch account; If a target identifier exists on the target batch account, no adjustment is made to the account balance in the target batch account.

6. A device for batch adjustment of loan account items, characterized in that: include: A determination unit, configured to determine a loan account set to be adjusted, wherein the loan account set includes a plurality of loan accounts, and each loan account is associated with at least one master account; An extraction unit, used to extract the account attributes of each loan account in the loan account set; An establishing unit, used for establishing a data structure according to the account attributes and the adjustment requirements of the account subjects; A construction unit, used for constructing a batch adjustment tool for account titles based on the data structure; An adjustment unit is used to use the batch adjustment tool to batch adjust the target batch account items in the loan account set.

7. The device according to claim 6, characterized in that The establishing unit comprises: An acquisition module is used to acquire the account attribute information of each account item in the loan account set; The filling module is used to fill the preset data structure model according to the account attribute information and the adjustment requirements of the account subjects to obtain the data structure.

8. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored executable program, wherein when the executable program is run, the device where the computer-readable storage medium is located is controlled to execute the method for batch adjustment of loan account items as described in any one of claims 1 to 5.

9. An electronic device, characterized in that: include: A memory storing an executable program; A processor is used to run the program, wherein the program, when running, executes the method for batch adjustment of loan account items as described in any one of claims 1 to 5.

10. A computer program product comprising computer instructions, characterized in that When the computer instructions are executed by a processor, the steps of the method for batch adjustment of loan account items as described in any one of claims 1 to 5 are implemented.

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