Loan service processing method, system and equipment based on double loan balances and storage medium

Abstract

According to the loan service processing method, system and device based on the double loan balances and the storage medium provided by the invention, the current loan balance of an account is converted into the last-day balance in the day switching processing time period, and the last-day balance is adopted for business processing in a batch processing business, so that the business processing efficiency is improved. After the batch processing business processing is completed, the last-day balance is replaced with the current loan balance of the account, and the online business processing adopts the current loan balance to perform business processing for subsequent account interest-bearing processing, so that the batch processing business and the online business use different balances, the two business processing do not influence each other, data disorder is avoided, and the business processing efficiency is improved. According to the method, data processing errors are prevented, loan business is not limited by time points any more, 7 * 24 business processing is supported, borrowers can have better experience, the business volume of banks is increased, and the banks can obtain better benefits.

Description

Technical Field

[0001] This application relates to the technical field of the banking and financial industry, and in particular to loan service processing methods, systems, devices and storage media based on dual loan balances. Background Technology

[0002] With the continuous development of banking services, banks are no longer limited to traditional lending. Loan products are becoming increasingly diverse, and loan forms are also becoming more varied, such as card-based loans, refinancing loans, and entrusted payment loans. Loan disbursement channels are also diversified, including online banking, mobile banking, and smart teller machines. Traditionally, loans were disbursed at the counter, with borrowers bringing their documents to the counter. However, the diversification of disbursement channels has greatly improved efficiency and provided significant convenience for borrowers; a mobile phone can handle everything. While this convenience has brought some challenges, the traditional counter-based loan model allows for batch processing after the bank closes for the day, handling daily accounts, calculating loan interest, issuing loans according to the interest payment frequency, and so on, simply waiting for the bank to reopen the next day.

[0003] However, with the increasing number of lending channels, sometimes even after a bank has closed and started processing its daily transactions, a loan repayment occurs through mobile banking. At this time, the system is processing the loan repayment and may be updating the loan balance. If the online repayment occurs at the same time, it will cause an error in the balance update. The batch processing of loan accrual and interest settlement may be based on this incorrect balance, and the accuracy of the data for the entire loan cannot be guaranteed.

[0004] Current technology does not support online transactions occurring during batch processing. All transactions from external channels, such as loan repayments and disbursements via mobile banking, must wait for batch processing to complete before execution. Performing online transactions simultaneously with batch processing can easily lead to data clutter and processing errors. Summary of the Invention

[0005] The technical problem this application aims to solve is that performing online services while batch processing can easily lead to data clutter and data processing errors.

[0006] In order to solve the above problems, or at least partially solve the above technical problems, this application provides a loan service processing method, system, device and storage medium based on dual loan balances.

[0007] In a first aspect, the present invention discloses a loan service processing method based on dual loan balances, which includes the following steps: When entering the daily processing period, determine whether the received request information is a batch processing business request information or an online transaction request information; When the first request to be processed is a batch processing business request, the current loan balance data of the account is recorded as the loan balance data of the previous day; Batch processing is performed based on the previous day's loan balance data to obtain the first data, and the account's loan data is updated to obtain the updated current loan balance data. The current loan balance data is used for online transaction processing, and the online transaction is a transaction from an external system. When the first request received is an online transaction request, the online transaction processing is performed on the account's current loan balance data.

[0008] Preferably, when the first received request processing information is batch processing business request information, and the current loan balance data of the account is recorded as the loan balance data of the previous day, the specific steps include: The received request processing information is batch processing business request information. A loan account lock is added to the account and the corresponding loan disbursement table to lock the account and the loan disbursement table. The loan disbursement table includes the loan amount data of the account. Extract the current loan balance data of the account from the locked loan disbursement table and record it as the previous day's loan balance data.

[0009] Preferably, the step of batch processing based on the previous day's loan balance data to obtain first data, updating the account's loan data, and obtaining the updated current loan balance data specifically includes the following steps: Batch processing is performed based on the previous day's loan balance data to obtain the first data, which includes loan interest payable data, the updated loan execution interest rate, and documents. Unlock the loan disbursement table, update the first data into the loan disbursement table to obtain a new loan disbursement table, and record the loan balance data after batch processing as the current balance data.

[0010] Preferably, the batch processing operation based on the previous day's loan balance data to obtain the first data specifically includes the following steps: Based on the loan execution interest rate registered in the loan disbursement table, the loan execution interest rate is updated to obtain the updated loan execution interest rate; Interest is calculated based on the previous day's loan balance data and the updated loan execution rate to obtain the loan interest payable data; The loan interest payable data is associated with the account to generate a document. The document is sent to the customer corresponding to the account according to the contact information associated with the account. The document includes an interest list, a deduction notice, and a repayment notice. Record the loan interest payable data and the updated loan execution interest rate into the corresponding financial accounts to complete the accounting accrual process.

[0011] Preferably, the unlocking of the disbursement table involves updating the first data into the disbursement table to obtain a new disbursement table, and the loan balance data after batch processing is recorded as the current balance data.

[0012] Unlock the loan account lock on the locked disbursement form to obtain the unlocked disbursement form; Update the unlocked distribution table with the first piece of data to obtain a new distribution table; The loan balance data registered in the new loan disbursement table is recorded as the current balance data. After completing the batch processing, the current balance data is used for online transaction processing.

[0013] Preferably, when the first received request processing information is an online transaction request information, the online transaction processing of the account's current loan balance data specifically includes the following steps: The received request processing information is batch processing business request information, which adds a loan account lock to the account and the corresponding loan disbursement table, locking the account and the loan disbursement table; Extract the current loan balance data of the account from the locked disbursement table for online transaction processing.

[0014] Preferably, when batch processing request information or online transaction request information arrives simultaneously, batch processing request information is accepted first.

[0015] Secondly, the present invention discloses a loan service processing system based on dual loan balances, which includes the above-mentioned loan service processing method based on dual loan balances.

[0016] Thirdly, the present invention discloses a computer device, which includes a processor, a communication interface, a memory, and a communication bus, wherein the processor, the communication interface, and the memory communicate with each other through the communication bus. Memory, used to store computer programs; When a processor executes a program stored in memory, it implements the steps of the above method.

[0017] Fourthly, the present invention discloses a computer-readable storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements the steps of the method described above.

[0018] The technical solution provided in this application has the following advantages compared with the prior art: This application provides a loan service processing method, system, device, and storage medium based on dual loan balances. The method involves converting the current loan balance of an account to the previous day's balance during a specific processing time period. For batch processing, the previous day's balance is used. After batch processing is completed, the previous day's balance is replaced with the current loan balance. For online processing, the current loan balance is used for subsequent account interest calculation. This ensures that batch processing and online processing use different balances, preventing data clutter and errors. It also allows loan processing to operate 24 / 7, providing a better experience for borrowers and increasing bank revenue through increased business volume.

[0019] Furthermore, the dual-balance mechanism achieves data isolation between the two types of business, allowing batch processing and online transactions to be processed in parallel without waiting for each other. After batch processing is completed, the processed loan balance from the previous day is automatically synchronized to the current balance, ensuring that online transactions use the latest data. After online transactions are completed, the current balance is updated in real time, providing an accurate "previous day's balance" basis for the next day's batch processing. This ensures both the rigor of batch processing and the real-time requirements of online transactions, achieving seamless collaboration between the two types of business and balancing bank accounting compliance with user operation convenience.

[0020] Furthermore, the batch processing involves sequential steps such as interest rate changes, interest settlement, issuance of documents, and accrual. These steps are performed in sequence. When operating the issuance table, it must be locked first and executed serially to avoid concurrent modifications. During the batch processing, the account and the account loan balance are locked. After the batch processing is completed, the account and the account loan balance are unlocked to prevent the balance from being affected by online transactions and to prevent data errors. Attached Figure Description

[0021] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with the invention and, together with the description, serve to explain the principles of the invention.

[0022] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, for those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0023] Figure 1 A flowchart illustrating a loan servicing method based on dual loan balances provided in this application. Figure 1 ; Figure 2A flowchart illustrating a loan servicing method based on dual loan balances provided in this application. Figure 2 ; Figure 3 A detailed flowchart illustrating step S2 of a loan service processing method based on dual loan balances provided in this application; Figure 4 A detailed flowchart illustrating step S3 of a loan service processing method based on dual loan balances provided in this application; Figure 5 A schematic diagram illustrating the specific process of step S31 in the loan service processing method based on dual loan balances provided in this application; Figure 6 A schematic diagram illustrating the specific process of step S32 in the loan service processing method based on dual loan balances provided in this application; Figure 7 A schematic diagram illustrating step S4 of the loan service processing method based on dual loan balances provided in this application. Detailed Implementation

[0024] To make the objectives, technical solutions, and advantages of this application clearer, the technical solutions of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some, not all, of the embodiments of this application. Based on the embodiments of this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.

[0025] Firstly, see Figure 1-7 This invention discloses a loan service processing method based on dual loan balances, which includes the following steps: Step S1: When entering the daily processing period, determine whether the received request processing information is batch processing business request information or online transaction request information; Step S2: When the first received request processing information is a batch processing business request information, the current loan balance data of the account is recorded as the previous day's loan balance data; Step S3: Perform batch processing based on the previous day's loan balance data to obtain the first data, update the account's loan data, and obtain the updated current loan balance data. The current loan balance data is used for online transaction processing, and the online transaction is a transaction from an external system. Step S4: When the first request to be processed is an online transaction request, perform online transaction processing on the current loan balance data of the account.

[0026] Specifically, in step S1, when the system enters the date-cutting processing period, it automatically identifies the type of received request processing information and determines whether it is a batch processing request or an online transaction request. The date-cutting processing period is around 00:00 each day, where the system date is updated to the next day. Batch processing includes end-of-day interest calculation and settlement, while online transactions are transactions conducted through external systems such as online banking, mobile banking, and smart teller machines, such as mobile banking loan repayments and loan disbursements. At critical points where batch processing and online transactions may conflict, clearly defining the business type provides a preliminary judgment basis for subsequent processing, avoiding disordered processing caused by type confusion during date-cutting, ensuring that business is diverted according to rules, and achieving preliminary diversion of business processing through type judgment. This lays the foundation for the subsequent application of dual-balance and locking mechanisms, reducing the risk of data conflicts from the source.

[0027] Specifically, in step S2, when the system determines that the first request received is a batch processing request, the current loan balance of the account is recorded as the previous day's loan balance as the basic data for the batch processing business, and the account and the data related to the account's loans are locked. By separating the previous day's balance from the current balance, an independent data benchmark is provided for the batch processing business, avoiding calculation errors caused by the batch processing using the real-time changing current balance. The batch processing business obtains stable basic data, which is isolated from the current balance of online transactions and does not interfere with each other, thus solving the update conflict problem caused by the two sharing the same balance in the traditional mode.

[0028] Specifically, in step S3, the system performs batch processing based on the previous day's balance. This batch processing includes interest rate changes, interest settlement, invoice issuance, and accrual, generating initial data. This initial data includes the updated execution interest rate, accrued interest, invoices, and accrual accounting data. Upon completion, the initial data is updated to the loan disbursement table. The loan balance recorded in the disbursement table at this point is recorded as the updated current loan balance for subsequent online transactions. By completing the core batch processing based on a stable previous day's balance and simultaneously synchronizing the batch processing results to the current balance, the system ensures that online transactions use the latest data. Step S3 guarantees the accuracy of the batch processing results and ensures real-time updates to the current balance, balancing the rigor of batch processing with the real-time nature of online transactions.

[0029] Specifically, in step S4, when the system determines that the first request received is an online transaction request, it directly uses the current loan balance of the account to process the online transaction. If a batch processing request is received during the online transaction, the updated current loan balance data can be processed in batch processing after the online transaction is completed. This ensures that users can conduct business at any time 24 / 7 without being restricted by batch processing time, breaking through the traditional restriction that online access is prohibited during batch processing, realizing 24 / 7 online service, and significantly improving user experience and banking business continuity.

[0030] It is understandable that the loan service processing method based on dual loan balances mentions that during the daily processing period, the current loan balance of the account is converted to the previous day's balance. For batch processing, the previous day's balance is used for business processing. After the batch processing is completed, the previous day's balance is replaced with the current loan balance of the account. Online business processing uses the current loan balance for business processing, which is used for subsequent account interest calculation. This achieves the goal of using different balances for batch processing and online business, with the two business processes not affecting each other, avoiding data clutter, preventing data processing errors, and enabling loan business to no longer be limited by a specific time point, supporting 24 / 7 business processing. This not only provides borrowers with a better experience, but also increases the bank's business volume and generates better revenue for the bank.

[0031] Furthermore, the dual-balance mechanism achieves data isolation between the two types of business, allowing batch processing and online transactions to be processed in parallel without waiting for each other. After batch processing is completed, the processed loan balance from the previous day is automatically synchronized to the current balance, ensuring that online transactions use the latest data. After online transactions are completed, the current balance is updated in real time, providing an accurate "previous day's balance" basis for the next day's batch processing. This ensures both the rigor of batch processing and the real-time requirements of online transactions, achieving seamless collaboration between the two types of business and balancing bank accounting compliance with user operation convenience.

[0032] Furthermore, the batch processing involves sequential steps such as interest rate changes, interest settlement, issuance of documents, and accrual. These steps are performed in sequence. When operating the issuance table, it must be locked first and executed serially to avoid concurrent modifications. During the batch processing, the account and the account loan balance are locked. After the batch processing is completed, the account and the account loan balance are unlocked to prevent the balance from being affected by online transactions and to prevent data errors.

[0033] It's understandable that batch processing requests arrive simultaneously with online transaction requests. Batch processing requests are received and processed first, followed by online transactions. This ensures that the fundamental accounting task of batch processing is completed first, providing an accurate current balance basis for subsequent online transactions. It guarantees the accuracy of core data in batch processing, ensuring that online transactions are based on the correct current balance and avoiding a chain reaction of problems caused by incorrect basic data.

[0034] As one example, when batch processing service request information and online transaction request information arrive simultaneously, the batch processing service request information is accepted first.

[0035] Specifically, the cutoff time is 12 midnight every night. The cutoff time requires batch processing. This process can be carried out 10-15 minutes before 12 midnight or 10-20 minutes after 12 midnight. Batch processing can be carried out within this time frame.

[0036] Step S2 specifically includes the following steps: Step S21: The received request processing information is batch processing business request information. Add a loan account lock to the account and the corresponding loan disbursement table to lock the account and the loan disbursement table. The loan disbursement table includes the loan amount data of the account. Step S22: Extract the current loan balance data of the account from the locked loan disbursement table and record it as the previous day's loan balance data.

[0037] Specifically, in step S21, when the system determines that the received request is a batch processing request, it immediately adds a loan account lock to the account and the corresponding loan disbursement table, locking the account and the loan disbursement table. At this time, no other operation can modify the data in the account and the loan disbursement table until the lock is released. The loan account lock enables batch processing to exclusively use the account and the loan disbursement table, preventing online transactions and other operations from modifying critical data such as the loan balance in the loan disbursement table during batch processing, thus providing a secure environment for accurate extraction of the previous day's balance. By using the loan account lock to achieve temporary exclusive use of the account and the loan disbursement table by batch processing, it prevents online transactions and other operations from modifying critical data such as the loan balance in the loan disbursement table during batch processing, providing a secure environment for accurate extraction of the previous day's balance. This blocks concurrent interference from the source of the operation, solving the data chaos problem caused by online transactions jumping the queue during batch processing in the traditional model. The locked object is precise and does not affect the normal operation of other accounts, balancing security and system efficiency. In step S22, under a secure environment where the account and loan disbursement table are locked, the system reads the current loan balance data from the loan disbursement table and temporarily records this value as the previous day's loan balance data, serving as the basis for subsequent batch processing. The extracted previous day's balance value is accurate and unique. Because there is no interference from other operations under the locked state, all calculations in subsequent batch processing are based on this balance data, ensuring that the results are traceable and unbiased. This provides independent and fixed benchmark data for batch processing, achieving separation from the current balance used in online transactions, which is the core implementation link of the dual-balance mechanism. The extraction process under the locked environment ensures the authenticity and stability of the previous day's balance, solving the problem of batch processing data distortion caused by concurrent modification of the balance in the traditional model. By separating the previous day's balance from the current balance, a data foundation is provided for the parallel compatibility of batch processing and online transactions, ensuring that the two types of business do not interfere with each other.

[0038] It is understandable that step S2 solves the data distortion problem caused by concurrent modification of the balance in the traditional model. Locking the account and the corresponding disbursement table can provide a prerequisite for accurate extraction. The previous day's balance record reflects the value of locking. Together, they clear the data conflict obstacles for the parallel compatibility of batch processing and online transactions, which is the key support for realizing 24 / 7 service.

[0039] Step S3 specifically includes the following steps: Step S31: Perform batch processing based on the previous day's loan balance data to obtain the first data, which includes loan interest payable data, updated loan execution interest rate, and documents; Step S32: Unlock the loan disbursement table, update the first data into the loan disbursement table to obtain a new loan disbursement table, and record the loan balance data after batch processing as the current balance data.

[0040] Specifically, in step S31, based on the previous day's loan balance data determined in step S22, the core batch processing business is executed sequentially. First, the interest rate is changed, and the loan execution interest rate is updated according to the loan contract rules. Then, interest settlement is performed, calculating the interest payable based on the previous day's balance and the updated interest rate. Next, the interest data is associated with account information to generate interest lists, repayment notices, and other documents, ultimately completing the interest-related accounting accrual processing. The output results of these processes are integrated into the first data, which includes loan interest payable data, the updated loan execution interest rate, and various document information. By relying on the previous day's balance data to complete the core accounting processing in batch processing, it ensures that the calculation of key data such as interest rates, interest, and documents is based on a fixed benchmark and is not affected by real-time changes in online transactions. The batch processing business is completed in an independent data environment, avoiding calculation deviations caused by balance modifications in online transactions. The generated first data is logically coherent and numerically accurate, providing a reliable basis for subsequent accounting synchronization. In step S32, after the batch processing is completed, the system first unlocks the loan account lock on the loan disbursement table, releasing exclusive control over the account and the loan disbursement table. Then, the generated first data is synchronously updated to the loan disbursement table. At this time, the loan balance data recorded in the loan disbursement table is synchronized to the current balance data for subsequent online transactions. After the loan disbursement table is unlocked, online transactions can operate the account normally. The current balance, after integrating the batch processing results, reflects both the accounting changes from the batch processing and responds to subsequent online transactions in real time, ensuring data timeliness and consistency. The unlocking operation avoids online transaction blocking caused by long-term resource occupation during batch processing, solving the problem of excessively long batch processing table locking time affecting business continuity in the traditional model. Synchronizing the first data to the loan disbursement table achieves a data closed loop between batch processing and online transactions, ensuring that online transactions are processed based on the latest accounting results, balancing the rigor of batch processing and the real-time nature of online transactions.

[0041] It is understandable that a separate data environment is used to complete the core calculations for batch processing, ensuring data accuracy. Furthermore, unlocking and data synchronization enable seamless integration between batch processing and online transactions, guaranteeing business continuity. This not only solves the core technical problem of data conflicts between batch processing and online transactions but also provides technical support for real-time synchronization of batch processing results and immediate availability of online transactions for 24 / 7 service.

[0042] Step S31 specifically includes the following steps: Step S311: Update the loan execution rate based on the loan execution rate registered in the disbursement table to obtain the updated loan execution rate; Step S312: Calculate interest based on the previous day's loan balance data and the updated loan execution rate to obtain the loan interest payable data; Step S313: Associate the loan interest payable data with the account, generate a document, and send the document to the customer corresponding to the account according to the contact information associated with the account. The document includes an interest list, a deduction notice, and a repayment notice. Step S314: Record the loan interest payable data and the updated loan execution interest rate into the corresponding financial accounts to complete the accounting accrual process.

[0043] Understandably, the system reads the current loan execution rate registered in the loan disbursement table and updates the rate according to the interest rate adjustment rules stipulated in the loan contract, such as fixed-period adjustments and linkage with the market benchmark interest rate. This generates an updated loan execution rate, ensuring it conforms to the latest contractual agreement or market rules, providing an accurate interest rate benchmark for subsequent interest calculations. Based on the updated loan execution rate and the previous day's loan balance data, the system calculates the interest for the period according to the interest settlement cycle stipulated in the loan contract (e.g., daily, monthly, quarterly) using the formula (Interest Payable = Previous Day's Balance × Updated Interest Rate × Number of Days in the Cycle / 360), generating loan interest payable data. Based on a stable previous day's balance and the latest interest rate, the system accurately calculates the interest payable by the customer. This loan interest payable data is then linked to the customer's account information (e.g., name, account number, loan term), automatically generating formatted documents, including interest statements, deduction notices, and repayment notices. These are sent to the customer via their pre-registered contact methods (e.g., SMS, mobile banking push notifications, email), transforming the calculated interest data into customer-understandable documentation that clearly defines the customer's repayment obligations and interest details. The loan interest payable data and the updated loan execution interest rate are recorded in the corresponding financial accounts, such as accounts receivable and loan interest income, in accordance with accounting standards and the bank's internal financial regulations, thus completing the accounting level accrual record and forming the final financial accounting data.

[0044] Since online transactions can occur at any time, when an online transaction occurs during batch processing, firstly, if it occurs near time point S311, it is determined whether the interest rate change process in S311 has been completed. If not, S311-S314 are executed sequentially. Because these batch processes are interdependent and must be executed serially, the determination should start from the interest rate change. If the interest rate change is determined to be completed, and the online transaction request information is sent near time point S312, then the interest rate change is skipped and the interest settlement process in step S312 is determined sequentially. If the interest settlement process has not been executed, S312-S314 are executed sequentially, and so on, until all batch processes are completed before the online transaction is executed.

[0045] Step S32 specifically includes the following steps: Step S321: Unlock the loan account lock on the locked disbursement form to obtain the unlocked disbursement form; Step S322: Update the unlocked distribution table with the acquired first data to obtain a new distribution table; Step S323: The loan balance data registered in the new disbursement table is recorded as the current balance data, and the batch processing business is completed. The current balance data is used for online transaction business.

[0046] Specifically, after completing the core batch processing business, the system automatically unlocks the account and the corresponding loan account on the loan disbursement table, switching the loan disbursement table from a locked to an unlocked state. At this point, online transactions for repayment and disbursement can operate on this loan disbursement table. This releases the exclusive control of the batch processing over the loan disbursement table, preventing online transaction congestion caused by long-term locking and providing a resource foundation for seamless integration between batch processing and online transactions. After the loan disbursement table is unlocked, the system writes the generated initial data into the unlocked table, including updated loan execution interest rates, loan interest payable data, and document association information, overwriting old data and integrating new information to form a new loan disbursement table containing the batch processing results. The core results of the batch processing business are synchronized to the loan disbursement table to ensure consistency between the data and the batch processing results. After the new loan disbursement table is generated, the system officially marks the loan balance data registered in the table as the current balance data and records the completion of the batch processing business on the loan disbursement table, clearly indicating that the balance has been integrated with the batch processing results, thus completing the batch processing business.

[0047] This approach is understandable. By unlocking and releasing resources, conditions are created for data updates and online transaction intervention. Synchronizing the first data ensures the latest issuance table information, and marking the current balance clarifies the data benchmark for online transactions. This approach guarantees both the accuracy of batch processing accounting and the real-time nature of online transactions.

[0048] Step S4 specifically includes the following steps: Step S41: The received request processing information is batch processing business request information. Add a loan account lock to the account and the corresponding loan disbursement table to lock the account and the loan disbursement table; Step S42: Extract the current loan balance data of the account from the locked disbursement table for online transaction processing.

[0049] Specifically, when the system determines that the received request is an online transaction request, it immediately adds a loan account lock to the account and the corresponding loan disbursement table, locking the account and the disbursement table. During this state, batch processing and other operations cannot modify the data in the account and the disbursement table until the lock is released. The loan account lock secures exclusive data operation rights for online transactions, preventing batch processing from modifying critical data such as the current balance in the disbursement table during online transaction processing, ensuring that online transactions can be completed based on a stable data environment. In this secure environment where the account and disbursement table are locked, the system reads the current loan balance data from the disbursement table, which includes the latest batch processing results and the real-time balance of previous online transaction records, and uses this value as the basis for the online transaction. Providing an accurate and undisturbed real-time balance benchmark for online transactions, ensuring the correctness of transaction calculations, is the core guarantee for the real-time performance and accuracy of online transactions.

[0050] It is understandable that online transaction requests are received before batch processing requests. Loan account locks are added to the current account and the disbursement table first, and then the online transaction is processed. In other words, the request information that appears first is processed first, and then the loan account lock is locked to avoid data confusion. At the same time, online transactions and batch processing are not allowed to run at the same time to ensure data accuracy.

[0051] Secondly, the present invention discloses a loan service processing system based on dual loan balances, which includes the above-mentioned loan service processing method based on dual loan balances.

[0052] Specifically, the system employs the loan service processing method based on dual loan balances provided in the first aspect. During the daily processing period, the current loan balance of the account is converted to the previous day's balance. For batch processing, the previous day's balance is used for processing. After the batch processing is completed, the previous day's balance is replaced with the current loan balance. Online processing uses the current loan balance for subsequent account interest calculation. This ensures that batch processing and online processing use different balances, preventing data clutter and errors, and allowing loan services to operate 24 / 7 without time constraints. This provides a better experience for borrowers and increases the bank's business volume, leading to better profits.

[0053] Furthermore, the dual-balance mechanism achieves data isolation between the two types of business, allowing batch processing and online transactions to be processed in parallel without waiting for each other. After batch processing is completed, the processed loan balance from the previous day is automatically synchronized to the current balance, ensuring that online transactions use the latest data. After online transactions are completed, the current balance is updated in real time, providing an accurate "previous day's balance" basis for the next day's batch processing. This ensures both the rigor of batch processing and the real-time requirements of online transactions, achieving seamless collaboration between the two types of business and balancing bank accounting compliance with user operation convenience.

[0054] Furthermore, the batch processing involves sequential steps such as interest rate changes, interest settlement, issuance of documents, and accrual. These steps are performed in sequence. When operating the issuance table, it must be locked first and executed serially to avoid concurrent modifications. During the batch processing, the account and the account loan balance are locked. After the batch processing is completed, the account and the account loan balance are unlocked to prevent the balance from being affected by online transactions and to prevent data errors.

[0055] Thirdly, the present invention discloses a computer device, which includes a processor, a communication interface, a memory, and a communication bus, wherein the processor, the communication interface, and the memory communicate with each other through the communication bus. Memory, used to store computer programs; When a processor executes a program stored in memory, it implements the steps of the above method.

[0056] Specifically, the processor within the device executes a program stored in memory. This program implements the loan service processing method based on dual loan balances provided in the first aspect. The method proposes that during the daily processing period, the current loan balance of the account is converted to the previous day's balance. For batch processing, the previous day's balance is used for business processing. After the batch processing is completed, the previous day's balance is replaced with the current loan balance of the account. For online business processing, the current loan balance is used for business processing to be used for subsequent account interest calculation. This achieves the goal of using different balances for batch processing and online business, ensuring that the two business processes do not affect each other, avoiding data clutter, preventing data processing errors, and enabling loan business to no longer be limited by a specific time point, supporting 24 / 7 business processing. This provides borrowers with a better experience and increases the bank's business volume, leading to better revenue for the bank.

[0057] Furthermore, the dual-balance mechanism achieves data isolation between the two types of business, allowing batch processing and online transactions to be processed in parallel without waiting for each other. After batch processing is completed, the processed loan balance from the previous day is automatically synchronized to the current balance, ensuring that online transactions use the latest data. After online transactions are completed, the current balance is updated in real time, providing an accurate "previous day's balance" basis for the next day's batch processing. This ensures both the rigor of batch processing and the real-time requirements of online transactions, achieving seamless collaboration between the two types of business and balancing bank accounting compliance with user operation convenience.

[0058] Furthermore, the batch processing involves sequential steps such as interest rate changes, interest settlement, issuance of documents, and accrual. These steps are performed in sequence. When operating the issuance table, it must be locked first and executed serially to avoid concurrent modifications. During the batch processing, the account and the account loan balance are locked. After the batch processing is completed, the account and the account loan balance are unlocked to prevent the balance from being affected by online transactions and to prevent data errors.

[0059] Fourthly, the present invention discloses a computer-readable storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements the steps of the method described above.

[0060] Specifically, the storage medium stores a computer program that, when executed, implements the method proposed in the first aspect. The method proposes that during a daily processing period, the current loan balance of the account is converted to the previous day's balance. For batch processing, the previous day's balance is used for business processing. After the batch processing is completed, the previous day's balance is replaced with the current loan balance of the account. For online business processing, the current loan balance is used for business processing, which is then used for subsequent account interest calculation. This achieves the goal of using different balances for batch processing and online business, ensuring that the two business processes do not interfere with each other, avoiding data clutter, preventing data processing errors, and enabling loan business to no longer be limited by a specific time point, supporting 24 / 7 business processing. This provides borrowers with a better experience, and for banks, the increased business volume leads to better profits.

[0061] Furthermore, the dual-balance mechanism achieves data isolation between the two types of business, allowing batch processing and online transactions to be processed in parallel without waiting for each other. After batch processing is completed, the processed loan balance from the previous day is automatically synchronized to the current balance, ensuring that online transactions use the latest data. After online transactions are completed, the current balance is updated in real time, providing an accurate "previous day's balance" basis for the next day's batch processing. This ensures both the rigor of batch processing and the real-time requirements of online transactions, achieving seamless collaboration between the two types of business and balancing bank accounting compliance with user operation convenience.

[0062] Furthermore, the batch processing involves sequential steps such as interest rate changes, interest settlement, issuance of documents, and accrual. These steps are performed in sequence. When operating the issuance table, it must be locked first and executed serially to avoid concurrent modifications. During the batch processing, the account and the account loan balance are locked. After the batch processing is completed, the account and the account loan balance are unlocked to prevent the balance from being affected by online transactions and to prevent data errors.

[0063] In the above embodiments, the descriptions of each embodiment have different focuses. For parts that are not described in detail in a certain embodiment, please refer to the relevant descriptions in other embodiments.

[0064] In the description of this invention, it should be understood that the terms "center," "longitudinal," "lateral," "length," "width," "thickness," "upper," "lower," "front," "rear," "left," "right," "vertical," "horizontal," "top," "bottom," "inner," "outer," "clockwise," and "counterclockwise," etc., indicate the orientation or positional relationship based on the orientation or positional relationship shown in the accompanying drawings. They are only for the convenience of describing this invention and simplifying the description, and do not indicate or imply that the device or element referred to must have a specific orientation, or be constructed and operated in a specific orientation. Therefore, they should not be construed as limitations on this invention.

[0065] Furthermore, the terms "first" and "second" are used for descriptive purposes only and should not be construed as indicating or implying relative importance or implicitly specifying the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of that feature. In the description of this invention, "a plurality of" means two or more, unless otherwise explicitly specified.

[0066] In this invention, unless otherwise explicitly specified and limited, the terms "installation," "connection," "linking," and "fixing," etc., should be interpreted broadly. For example, they can refer to a connection, a detachable connection, or an integral part; they can refer to a mechanical connection or an electrical connection; they can refer to a direct connection or an indirect connection through an intermediate medium; they can refer to the internal communication of two components or the interaction between two components. Those skilled in the art can understand the specific meaning of the above terms in this invention according to the specific circumstances.

[0067] In this invention, unless otherwise explicitly specified and limited, "above" or "below" the second feature can include direct contact between the first and second features, or contact between the first and second features through another feature between them. Furthermore, "above," "over," and "on top" of the second feature includes the first feature directly above or diagonally above the second feature, or simply indicates that the first feature is at a higher horizontal level than the second feature. "Below," "below," and "under" the second feature includes the first feature directly below or diagonally below the second feature, or simply indicates that the first feature is at a lower horizontal level than the second feature.

[0068] In the description of this specification, the references to terms such as "one embodiment," "some embodiments," "example," "specific example," or "some examples," etc., indicate that a specific feature, structure, material, or characteristic described in connection with that embodiment or example is included in at least one embodiment or example of the invention. The illustrative expressions of the above terms in this specification should not be construed as necessarily referring to the same embodiment or example. Furthermore, the specific features, structures, materials, or characteristics described may be combined in any suitable manner in one or more embodiments or examples. In addition, those skilled in the art can combine and integrate the different embodiments or examples described in this specification.

[0069] Obviously, those skilled in the art can make various modifications and variations to this invention without departing from its spirit and scope. Since these modifications and variations fall within the scope of the claims and their equivalents, this invention also intends to include these modifications and variations.

[0070] The above description describes specific embodiments of the present invention, but the scope of protection of the present invention is not limited thereto. Any person skilled in the art can easily conceive of various equivalent modifications or substitutions within the technical scope disclosed in the present invention, and these modifications or substitutions should all be covered within the scope of protection of the present invention. Therefore, the scope of protection of the present invention should be determined by the scope of the claims.

Claims

1. A loan servicing method based on dual loan balances, characterized in that, Includes the following steps: When entering the daily processing period, determine whether the received request information is a batch processing business request information or an online transaction request information; When the first request to be processed is a batch processing business request, the current loan balance data of the account is recorded as the loan balance data of the previous day; Batch processing is performed based on the previous day's loan balance data to obtain the first data, and the account's loan data is updated to obtain the updated current loan balance data. The current loan balance data is used for online transaction processing, and the online transaction is a transaction from an external system. When the first request received is an online transaction request, the online transaction processing is performed on the account's current loan balance data.

2. The method according to claim 1, characterized in that, When the first received request processing information is a batch processing business request information, and the current loan balance data of the account is recorded as the loan balance data of the previous day, the specific steps include: The received request processing information is batch processing business request information. A loan account lock is added to the account and the corresponding loan disbursement table to lock the account and the loan disbursement table. The loan disbursement table includes the loan amount data of the account. Extract the current loan balance data of the account from the locked loan disbursement table and record it as the previous day's loan balance data.

3. The method according to claim 1, characterized in that, The batch processing based on the previous day's loan balance data to obtain the first data, updating the account's loan data, and obtaining the updated current loan balance data specifically includes the following steps: Batch processing is performed based on the previous day's loan balance data to obtain the first data, which includes loan interest payable data, the updated loan execution interest rate, and documents. Unlock the loan disbursement table, update the first data into the loan disbursement table to obtain a new loan disbursement table, and record the loan balance data after batch processing as the current balance data.

4. The method according to claim 3, characterized in that, The batch processing operation based on the previous day's loan balance data to obtain the first data specifically includes the following steps: Based on the loan execution interest rate registered in the loan disbursement table, the loan execution interest rate is updated to obtain the updated loan execution interest rate; Interest is calculated based on the previous day's loan balance data and the updated loan execution rate to obtain the loan interest payable data; The loan interest payable data is associated with the account to generate a document. The document is sent to the customer corresponding to the account according to the contact information associated with the account. The document includes an interest list, a deduction notice, and a repayment notice. Record the loan interest payable data and the updated loan execution interest rate into the corresponding financial accounts to complete the accounting accrual process.

5. The method according to claim 3, characterized in that, The process of unlocking the loan disbursement table involves updating the first data into the disbursement table to obtain a new disbursement table. The loan balance data processed by the batch operation is recorded as the current balance data. This process includes the following steps: Unlock the loan account lock on the locked disbursement form to obtain the unlocked disbursement form; Update the unlocked distribution table with the first piece of data to obtain a new distribution table; The loan balance data registered in the new loan disbursement table is recorded as the current balance data. After completing the batch processing, the current balance data is used for online transaction processing.

6. The method according to claim 1, characterized in that, When the first received request is an online transaction request, the online transaction processing of the account's current loan balance data specifically includes the following steps: The received request processing information is batch processing business request information, which adds a loan account lock to the account and the corresponding loan disbursement table, locking the account and the loan disbursement table; Extract the current loan balance data of the account from the locked disbursement table for online transaction processing.

7. The method according to claim 1, characterized in that, When batch processing requests and online transaction requests arrive simultaneously, the batch processing requests are accepted first.

8. A loan service processing system based on dual loan balances, characterized in that, The loan service processing method based on dual loan balances as described in any one of claims 1-7 above.

9. A computer device, characterized in that, It includes a processor, a communication interface, a memory, and a communication bus, wherein the processor, the communication interface, and the memory communicate with each other through the communication bus; Memory, used to store computer programs; A processor, when executing a program stored in memory, implements the steps of the method according to any one of claims 1-7.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the steps of the method as described in any one of claims 1-7.

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