A net loan public quota accounting method and device

Abstract

This application discloses a method and apparatus for recording publicly available credit limits for online lending, including: acquiring loan agreement documents for loan disbursement and repayment products and performing database entry processing. After database entry is completed, a target credit limit number is periodically acquired, and first target data is retrieved from the document entry table, its credit limit number is updated to the target credit limit number, resulting in an updated document entry table; based on the target credit limit number, second target data is retrieved from the table and updated to the loan agreement extension table. Based on the type of loan disbursement and repayment product and the current time, personal credit limit information is acquired, the usage limit is determined, and it is updated to the publicly available credit limit processing table for online lending; the data carrying the target credit limit number in the updated publicly available credit limit processing table is compared to whether it exists in the publicly available credit limit details table; if so, the data in the details table is updated; otherwise, accounting and recording are performed at the end of the day. The incremental processing mode of the periodic polling mechanism solves the problem of low reporting timeliness.

Description

Technical Field

[0001] This application relates to the field of data processing technology, and in particular to a method and apparatus for recording publicly available online lending quotas. Background Technology

[0002] As the financial industry increasingly demands higher standards for risk management and compliance, banks and financial institutions face ever-higher standards in credit line management. To effectively regulate and manage publicly disclosed credit lines within the bank, companies have introduced off-balance-sheet accounting mechanisms to manage credit lines for all individual customers in the online lending system, ensuring that each credit line is pushed to the accounting system and synchronized to the general ledger system at the end of each day. This mechanism not only helps improve the accuracy and timeliness of financial data but also ensures that credit line calculations comply with relevant regulatory requirements.

[0003] However, with the increase in business volume, the credit limit table data in the online lending system has reached hundreds of millions, which has made the credit limit table, as the main business table, face a bottleneck in data processing. Since credit limit calculation and aggregation tasks are usually executed centrally at the end of the day, this centralized processing method leads to large data processing pressure, which may seriously affect the timeliness of downstream accounting and reporting systems, and place a significant burden on the performance of databases and servers. Therefore, to address these challenges, it is necessary to optimize the existing credit limit management and accounting processes. Summary of the Invention

[0004] In view of the shortcomings of the prior art, this application provides a method and apparatus for recording the public credit limit of online lending to solve the problem of low reporting timeliness.

[0005] To achieve the above objectives, this application provides the following technical solution:

[0006] The first aspect of this application provides an accounting method for publicly disclosed online lending credit limits, including:

[0007] The task involves obtaining the loan agreement documents for the loan products and then storing these documents in the database.

[0008] After the task of storing the loan document in the database is completed, the target credit limit number corresponding to the loan product is periodically obtained, and the first target data is obtained from the document storage table; wherein, the first target data refers to the data in the document storage table whose data status is unprocessed and whose credit limit number is empty.

[0009] The quota number of the first target data is updated to the target quota number to obtain the updated file storage table. The second target data is then obtained from the updated file storage table based on the target quota number. The second target data refers to the data in the updated file storage table that is in an unprocessed state and has a non-empty quota number.

[0010] Update the second target data to the loan extension table, and obtain personal credit limit information based on the product type of the loan product and the current time.

[0011] Based on the product type of the loan repayment product, the personal credit limit information, and the updated loan extension table, the usage limit of the loan repayment product is determined, and the usage limit is updated in the online lending public credit limit processing table.

[0012] Compare whether the data with the target credit limit number in the updated online lending public credit limit processing table exists in the public credit limit details table;

[0013] If the data containing the target credit limit number in the updated online lending public credit limit processing table exists in the public credit limit details table, then the data in the public credit limit details table will be updated.

[0014] Optionally, in the above-mentioned accounting method for publicly disclosed online lending credit limits, obtaining the target credit limit number corresponding to the lending and repayment product includes:

[0015] Obtain the loan receipt ID, document storage table, and application form for the loan product;

[0016] The file storage table and the application table are associated to obtain the target table, and the quota number corresponding to the loan id contained in the file storage table is extracted from the target table.

[0017] The credit limit number is used as the target credit limit number corresponding to the loan product.

[0018] Optionally, in the above-mentioned accounting method for publicly disclosed online lending credit limits, obtaining individual credit limit information based on the product type of the lending and repayment product and the current time includes:

[0019] Query the execution schedule to find the maximum successful execution time corresponding to the product type of the loan disbursement and repayment product;

[0020] The maximum successful execution time is taken as the start time, and the current time is taken as the end time;

[0021] A storage unit is used to look up the credit limit data between the start time and the end time from the publicly available credit limit table, and store the credit limit data in the publicly available credit limit details intermediate table;

[0022] The third unit is used to use the credit limit data in the intermediate table of publicly granted credit limit details as personal credit limit information.

[0023] Optionally, in the above-mentioned accounting method for publicly disclosed online lending credit limits, when the product type of the lending and repayment product is a document-based lending and repayment product, determining the usage limit of the lending and repayment product based on the product type of the lending and repayment product, the individual credit limit information, and the updated loan extension table includes:

[0024] Link the IOU form, application form, and updated IOU expansion form to obtain the linked table;

[0025] Retrieve all loan receipts and their corresponding outstanding balances corresponding to the credit limit number of the individual in the association table;

[0026] Sum all the aforementioned loan receipts and their corresponding outstanding loan balances to obtain the total outstanding loan balance;

[0027] Find the configuration information corresponding to the product ID of the loan disbursement product in the configuration table, and determine whether the loan disbursement product is a product with a credit limit based on the configuration information.

[0028] If the loan repayment product is a non-credit line product, then the total outstanding loan balance is determined as the usage limit of the loan repayment product;

[0029] If the loan repayment product is a credit line product, then the credit line is obtained and the credit line is determined as the usage limit of the loan repayment product.

[0030] Optionally, in the above-mentioned accounting method for publicly disclosed online lending credit limits, when the product type of the lending and repayment product is an interface lending and repayment product, determining the usage limit of the lending and repayment product based on the product type of the lending and repayment product, the individual credit limit information, and the updated loan extension table includes:

[0031] Find the configuration information corresponding to the product ID of the loan disbursement product in the configuration table, and determine whether the loan disbursement product is a product with a credit limit based on the configuration information.

[0032] If the loan repayment product is a non-credit limit product, then the credit limit corresponding to the personal credit limit information is found from the updated loan extension table, and the credit limit is determined as the usage limit of the loan repayment product;

[0033] If the loan repayment product is a credit line product, then the credit line is obtained and the credit line is determined as the usage limit of the loan repayment product.

[0034] Optionally, in the above-mentioned accounting method for publicly disclosed online lending credit limits, when the product type of the lending and repayment product is an interface lending document repayment product, determining the usage limit of the lending and repayment product based on the product type of the lending and repayment product, the individual credit limit information, and the updated loan extension table includes:

[0035] Find the configuration information corresponding to the product ID of the loan disbursement product in the configuration table, and determine whether the loan disbursement product is a product with a credit limit based on the configuration information.

[0036] If the loan repayment product is a credit line product, then the credit line is obtained and the credit line is determined as the usage limit of the loan repayment product;

[0037] If the loan repayment product is a non-credit line product, then the loan receipt form, application form and updated loan receipt extension form will be linked to obtain a linked form;

[0038] Retrieve all loan receipts and their corresponding outstanding balances corresponding to the credit limit number of the individual in the association table;

[0039] When the outstanding loan balance exists in the loan receipt table but not in the updated loan receipt expansion table, obtain the loan amount corresponding to the loan disbursement and repayment product in the loan receipt table;

[0040] The loan amount and the outstanding loan balance are summed to obtain the target outstanding loan balance, and the target outstanding loan balance is determined as the usage limit of the loan repayment product.

[0041] Optionally, the accounting methods for the publicly disclosed credit limits of online lending mentioned above also include:

[0042] If the data containing the target credit limit number in the updated online lending public credit limit processing table does not exist in the public credit limit details table, then the data in the updated online lending public credit limit processing table will be updated in the public credit limit details table.

[0043] The second aspect of this application provides an accounting device for publicly disclosed online lending credit lines, comprising:

[0044] The database entry unit is used to obtain the loan document task for the loan repayment product and perform database entry processing on the loan document task.

[0045] The number acquisition unit is used to periodically acquire the target credit limit number corresponding to the loan product after the loan document task is completed, and to retrieve the first target data from the document storage table; wherein, the first target data refers to the data in the document storage table whose data status is unprocessed and whose credit limit number is empty.

[0046] An update unit is configured to update the quota number of the first target data to the target quota number, thereby obtaining an updated file storage table, and to retrieve the second target data from the updated file storage table according to the target quota number; wherein, the second target data refers to data in the updated file storage table whose data status is unprocessed and whose quota number is not empty;

[0047] The information acquisition unit is used to update the second target data to the loan extension table and acquire personal credit information according to the product type of the loan product and the current time.

[0048] The credit limit determination unit is used to determine the usage limit of the loan repayment product based on the product type of the loan repayment product, the personal credit limit information and the updated loan extension table, and update the usage limit to the online lending public credit limit processing table.

[0049] The comparison unit is used to compare whether the data with the target credit limit number in the updated online lending public credit limit processing table exists in the public credit limit details table;

[0050] The accounting unit is used to update the data in the publicly granted credit limit details table if the data carrying the target credit limit number in the updated online lending public credit limit processing table exists in the publicly granted credit limit details table.

[0051] Optionally, in the above-mentioned online lending public credit limit accounting device, the number acquisition unit includes:

[0052] The first acquisition unit is used to acquire the loan receipt ID, the document storage table, and the application form of the loan product.

[0053] The first association unit is used to associate the file storage table and the application table to obtain a target table, and extract the quota number corresponding to the loan id contained in the file storage table from the target table.

[0054] The first unit is used to use the credit limit number as the target credit limit number corresponding to the loan product.

[0055] Optionally, in the above-mentioned online lending public credit limit accounting device, the information acquisition unit includes:

[0056] The time query unit is used to query the maximum successful execution time corresponding to the product type of the loan disbursement and repayment product from the execution schedule.

[0057] The second unit is used to take the maximum successful execution time as the start time and the current time point as the end time;

[0058] A storage unit is used to look up the credit limit data between the start time and the end time from the publicly available credit limit table, and store the credit limit data in the publicly available credit limit details intermediate table;

[0059] The third unit is used to use the credit limit data in the intermediate table of publicly granted credit limit details as personal credit limit information.

[0060] Optionally, in the above-mentioned online lending public credit limit accounting device, when the product type of the lending and repayment product is a document-based lending and repayment product, the credit limit determination unit includes:

[0061] The second association unit is used to associate the loan form, the application form, and the updated loan extension form to obtain the association table;

[0062] The first search unit is used to search the association table for all loan receipts with the credit limit number corresponding to the personal credit limit information and their corresponding outstanding loan balances;

[0063] The first summation unit is used to sum up all the aforementioned loan receipts and their corresponding outstanding loan balances to obtain the total outstanding loan balance.

[0064] The first judgment unit is used to look up the configuration information corresponding to the product ID of the loan disbursement product in the configuration table, and determine whether the loan disbursement product is a product with a credit limit based on the configuration information.

[0065] The first determining unit is used to determine the total outstanding loan balance as the usage limit of the loan product if the loan product is a non-credit limit product.

[0066] The second determining unit is used to obtain the credit limit if the loan repayment product is a credit limit product, and determine the credit limit as the usage limit of the loan repayment product.

[0067] Optionally, in the above-mentioned online lending public credit limit accounting device, when the product type of the lending and repayment product is an interface lending and repayment product, the credit limit determination unit includes:

[0068] The second judgment unit is used to look up the configuration information corresponding to the product ID of the loan disbursement product in the configuration table, and to determine whether the loan disbursement product is a product with a credit limit based on the configuration information.

[0069] The third determining unit is used to find the credit limit corresponding to the personal credit limit information from the updated loan extension table if the loan repayment product is a non-credit limit product, and determine the credit limit as the usage limit of the loan repayment product.

[0070] The fourth determining unit is used to obtain the credit limit if the loan repayment product is a credit limit product, and determine the credit limit as the usage limit of the loan repayment product.

[0071] Optionally, in the above-mentioned online lending public credit limit accounting device, when the product type of the lending and repayment product is an interface lending document repayment product, the credit limit determination unit includes:

[0072] The third judgment unit is used to look up the configuration information corresponding to the product ID of the loan disbursement product in the configuration table, and to determine whether the loan disbursement product is a product with a credit limit based on the configuration information.

[0073] The fifth determining unit is used to obtain the credit limit if the loan repayment product is a credit limit product, and determine the credit limit as the usage limit of the loan repayment product;

[0074] The third association unit is used to associate the loan agreement form, the application form, and the updated loan agreement extension form to obtain an association table if the loan product is a non-credit line product.

[0075] The second search unit is used to search the association table for all loan receipts with the credit limit number corresponding to the personal credit limit information and their corresponding outstanding loan balances.

[0076] The second acquisition unit is used to acquire the loan amount corresponding to the loan repayment product in the loan table when the outstanding loan balance exists in the loan table but does not exist in the updated loan extension table.

[0077] The second summation unit is used to sum the loan amount and the outstanding loan balance to obtain the target outstanding loan balance, and to determine the target outstanding loan balance as the usage limit of the loan repayment product.

[0078] Optionally, the aforementioned accounting device for publicly disclosed online lending limits also includes:

[0079] The data update unit is used to update the data in the updated online lending public credit limit processing table to the public credit limit details table if the data carrying the target credit limit number in the updated online lending public credit limit processing table does not exist in the public credit limit details table.

[0080] This application provides a method for recording publicly available credit limits for online lending. The method involves acquiring loan document tasks for lending and repayment products and storing these tasks in a database. After the loan document task is completed, the method periodically acquires the target credit limit number corresponding to the lending and repayment product and retrieves the first target data from the document storage table. The first target data refers to data in the document storage table that is in an unprocessed state and has an empty credit limit number. The method then updates the credit limit number of the first target data to the target credit limit number, resulting in an updated document storage table. Finally, based on the target credit limit number, the method retrieves the second target data from the updated document storage table. The second target data refers to data in the updated document storage table that is in an unprocessed state and has an empty credit limit number. For data in an unprocessed state with a non-empty credit limit number, the second target data is then updated in the loan extension table. Based on the product type of the loan repayment product and the current time, individual credit limit information is obtained. Then, based on the product type of the loan repayment product, individual credit limit information, and the updated loan extension table, the usable credit limit for the loan repayment product is determined and updated in the online lending public credit limit processing table. Finally, the updated online lending public credit limit processing table is compared to the public credit limit details table. If the updated online lending public credit limit processing table contains data with the target credit limit number, it is updated in the public credit limit details table. This incremental processing mode, using a timed polling mechanism, effectively alleviates the computational pressure and resource competition of the system at the end of the day, ensuring that summary accounting processing is completed and synchronized to the general ledger system within the specified timeframe, guaranteeing the timeliness of data reporting and the smoothness of business processes. Attached Figure Description

[0081] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only embodiments of this application. For those skilled in the art, other drawings can be obtained based on the provided drawings without creative effort.

[0082] Figure 1 A flowchart illustrating a method for recording publicly available online lending credit limits, provided as an embodiment of this application;

[0083] Figure 2 A flowchart illustrating a method for obtaining a target quota number, provided as another embodiment of this application;

[0084] Figure 3 A flowchart illustrating a method for obtaining personal credit limit information, provided as another embodiment of this application;

[0085] Figure 4This is a schematic diagram of the structure of an accounting device for publicly available online lending quotas, provided as another embodiment of this application. Detailed Implementation

[0086] The technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, and not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those of ordinary skill in the art without creative effort are within the scope of protection of this application.

[0087] In this application, relational terms such as "first" and "second" are used merely to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0088] This application provides an accounting method for publicly disclosed online lending credit limits, such as... Figure 1 As shown, the specific steps include:

[0089] S101, Obtain the loan receipt file for the loan repayment product and write the loan receipt file to the database.

[0090] Understandably, once the daily business synchronization process is completed or the post-synchronization business process is completed, the online lending execution task module will push the loan document task for the loan repayment product through the accounting module to trigger the accounting module to generate the loan document task for that loan repayment product. Then, the accounting module will push the loan document task to the online lending server and process the loan document task to be stored in the database through the online lending server via MQ (message queue).

[0091] The "deposit into database" process refers to storing the loan document task in the `credit_public_invoice` table (the document deposit table) for subsequent related query processing. This loan document task includes the loan document number and the corresponding outstanding loan balance.

[0092] S102. After the loan document task is completed, periodically obtain the target amount number corresponding to the loan repayment product and retrieve the first target data from the document storage table.

[0093] The first target data refers to the data in the file storage table that is in an unprocessed state and has an empty quota number.

[0094] Understandably, after the loan document task is completed, the system will periodically execute a task flow. This task flow contains two tasks: swiping the credit limit ID in the public credit limit_loan document table and synchronizing the public credit limit loan document. First, when swiping the credit limit ID in the public credit limit_loan document table, it is necessary to obtain the primary key vpk_id from the file storage table as the sharding key. Then, it uses the primary key to query the data in the file storage table where deal_status (data status) is 0 and the credit limit ID is null (the first target data). Because this first target data refers to the data that has just been stored but has not yet been swiped for the credit limit ID, this data needs to be filtered and processed so that the credit limit ID can be swiped later. This ensures that the data related to the credit limit is accurately and timely updated so that the system can make decisions and processes based on the latest credit limit information.

[0095] Among them, the credit limit ID is the target credit limit number, which is the unique key of the online lending credit limit table and is used to retrieve the credit limit information of the corresponding customer.

[0096] Optionally, in another embodiment of this application, a specific implementation of obtaining the target credit limit number corresponding to the loan repayment product in step S102 is as follows: Figure 2 As shown, the specific steps include:

[0097] S201. Obtain the loan receipt ID, document storage table, and application form for the loan repayment product.

[0098] Understandably, each loan or repayment operation has a unique identifier (loan receipt ID) used to track specific information about that loan.

[0099] The document storage table (credit_public_invoice) contains loan-related document data, such as contracts and payment records. These documents need to be stored or associated with the loan document ID.

[0100] Application form (credit_loan_apply): The application form is a table that stores basic information about the loan, including the loan amount, loan date, loan status, and other data.

[0101] S202. Associate the document storage table and the application table to obtain the target table, and extract the quota number corresponding to the loan ID contained in the document storage table from the target table.

[0102] Specifically, the data in the document storage table and the application table are first linked using the loan receipt ID to generate a new "target table." Then, the credit limit number (credit_limit_id) corresponding to the loan receipt ID is extracted from the target table. The credit limit number refers to the specific credit limit allocated to a particular loan or repayment product, and it is closely related to information such as the loan product, account, and credit limit.

[0103] S203. Use the credit limit number as the target credit limit number corresponding to the loan repayment product.

[0104] Understandably, the extracted credit limit number (credit_limit_id) is applied to the loan disbursement and repayment product and used as the target credit limit number. This credit limit number will match the loan product, ensuring that the correct credit limit information can be used when conducting loan disbursement or repayment operations. This ensures that the operation of the loan disbursement and repayment product is consistent with the actual credit limit data, thereby avoiding the risk of credit limit mismatch.

[0105] S103. Update the quota number of the first target data to the target quota number to obtain the updated file storage table, and retrieve the second target data from the updated file storage table according to the target quota number.

[0106] The second target data refers to the data in the updated file storage table that is in an unprocessed state and whose quota number is not empty.

[0107] Specifically, the first target data refers to data whose credit limit ID has not yet been used. Therefore, after obtaining the first target data, it is necessary to apply the target credit limit number (credit_limit_id) to it and update the credit_limit_id in the file storage table to ensure that the data related to the credit limit is accurately and timely updated. After completing the task flow of applying the credit limit ID to the public credit limit_loan document table, the next step is to synchronize the public credit limit loan document. First, when the task is executed, the credit_limit_id in the file storage table will be used as the sharding key. Then, based on the credit_limit_id, the data in the file storage table with a deal_status status of 0 and a credit limit i that is not null (the second target data) will be queried. This ensures that the loan or repayment operation uses the latest credit limit information by updating the credit limit number, and ensures that the data in the business process is always accurate, complete, and meets the current business needs, avoiding errors caused by outdated or incomplete data.

[0108] S104. Update the second target data to the loan extension table, and obtain the individual credit limit information based on the product type of the loan product and the current time.

[0109] Understandably, after obtaining the second target data, it is necessary to update or insert the obtained second target data into the credit_loan_invoice_project table in order to obtain the outstanding loan balance under a certain credit limit later.

[0110] Next, after completing the task flow, the system first confirms the type of loan product being queried, ensuring a correct match with product rules or credit limit settings. Once the product type is determined, the system will query which credit limit information applies at the current time. For example, a loan product may have time restrictions or credit limit adjustment cycles. Finally, the system will find individual credit limit information matching the product type and time point, thereby providing accurate credit limit data to support the user's borrowing or repayment operations.

[0111] Optionally, in another embodiment of this application, a specific implementation of step S104, which involves obtaining personal credit limit information based on the product type of the loan product and the current time, is as follows: Figure 3 As shown, the specific steps include:

[0112] S301. Query the maximum successful execution time corresponding to the product type of the loan repayment product from the execution schedule.

[0113] The execution schedule (CREDIT_PUBLIC_LIMIT_RECORD table) records the execution status of loan disbursement and repayment products at different time periods, including the time of successful execution.

[0114] Maximum successful execution time: This refers to the latest time in the execution schedule when an operation for this product type was successfully executed. In other words, it's the time since the last successful execution of an operation for this product type.

[0115] S302. Use the maximum successful execution time as the start time and the current time as the end time.

[0116] Understandably, to determine the time range for querying data, the system uses the maximum successful execution time as the start time (i.e., the data query begins at this point) and the current time as the end time (i.e., the query ends at the current time). Through these two time points, the system defines a time window within which data will be extracted and processed.

[0117] S303. Find the credit limit data between the start and end times from the publicly available credit limit table, and store the credit limit data in the publicly available credit limit details intermediate table;

[0118] Specifically, the start and end times are processed to the hour; for example, if the start time is 3:05, the hourly processing is 3:00. Then, the system uses this processed time range to search for matching credit limit data from the update_time entries in the publicly available credit limit table (credit_personal_limit_detail). The publicly available credit limit table typically records detailed information related to an individual's credit limit, including increases / decreases, status, and the time of any changes.

[0119] S304. Use the credit limit data in the intermediate table of publicly disclosed credit limit details as personal credit limit information.

[0120] S105. Based on the product type of the loan repayment product, personal credit information, and the updated loan extension table, determine the usage limit of the loan repayment product and update the usage limit to the online lending public credit limit processing table.

[0121] Understandably, since there are three types of loan products: document-based loan products, interface-based loan products, and interface-based loan products with document repayment, the system determines the credit limit rules and restrictions based on the product type. Next, combining the user's personal credit information (such as credit limit, available loan amount, etc.), the system determines the user's maximum credit limit. Then, the system checks the updated loan extension table to verify the user's used and remaining credit to accurately calculate the available credit. Finally, after comprehensively considering the product type, personal credit information, and data from the loan extension table, the system determines the user's actual credit limit used under this loan product. Finally, the system updates the calculated credit limit in the online lending public credit limit processing table to ensure accurate, timely, and publicly verifiable credit information.

[0122] Optionally, in another embodiment of this application, when the loan product type is a document-based loan product, step S105 determines the usage limit of the loan product based on the product type, personal credit limit information, and the updated promissory note extension table, specifically including processes A1 to A6:

[0123] A1: Link the IOU form, application form, and updated IOU extension form to obtain the linked table.

[0124] Understandably, the three tables—the loan agreement form, the application form, and the updated loan agreement extension form—are linked to create a single "linked table" containing all relevant information. This table provides detailed information about the borrower and the loan product, facilitating subsequent processing.

[0125] A2: Find all loan receipts and their corresponding outstanding balances for the credit limit number corresponding to the individual's credit limit information from the association table.

[0126] Understandably, this is necessary to identify all loans associated with an individual's credit limit and obtain the remaining outstanding amount (outstanding loan balance) for each loan. This information is essential for calculating the total outstanding loan balance, so it's necessary to look up specific individual credit limit information in the associated table and locate the user's loan records by credit limit number.

[0127] The outstanding loan balance refers to the amount of loan that has not yet been repaid, i.e., the user's current outstanding debt. Each loan may have a corresponding outstanding loan balance.

[0128] Specifically, the `credit_loan_apply` application table and `credit_loan_invoice` are used for correlation. The `credit_limit_id` limit number is used to query the `loan_apply_id` application form field in the `credit_loan_apply` table. Then, based on the `loan_apply_id` field, the `loan_invoice_id` loan number field in the `credit_loan_invoice` table is retrieved. Finally, the `loan_invoice_id` is used to query the `balance` field in the `credit_loan_invoice_project` table, and the outstanding loan balance is obtained based on the `balance` field.

[0129] A3: Sum all the loan receipts and their corresponding outstanding loan balances to obtain the total outstanding loan balance.

[0130] Specifically, the `credit_loan_apply`, `credit_loan_invoice`, and `credit_loan_invoice_project` tables are queried by grouping according to the credit limit number (`credit_limit_id`). This retrieves all loan agreements under that credit limit and their corresponding outstanding balances. The total outstanding balance under that credit limit is then summed.

[0131] A4: Find the configuration information corresponding to the product ID of the loan repayment product in the configuration table, and determine whether the loan repayment product is a product with a credit limit based on the configuration information.

[0132] Understandably, the `credit_merchant_para_value` configuration table typically contains product-related configuration information, such as product ID, product type, and credit limit. Therefore, based on the product ID of the loan disbursement product, the system can retrieve the detailed configuration of that product from the configuration table. Based on this, the system needs to determine whether the product is a credit limit product. This is because credit limit products usually allow users to borrow a certain amount based on their credit history, rather than a fixed amount directly (e.g., credit cards, revolving loans). With a credit limit product, users can use the credit limit flexibly, without having to borrow the entire amount at once. With a non-credit limit product, the credit limit is usually fixed and cannot be dynamically adjusted. Therefore, the system uses the product ID to determine whether the loan disbursement product is a credit limit product. If the loan disbursement product is a credit limit product, process A6 is executed. If the loan disbursement product is a non-credit limit product, process A5 is executed.

[0133] A5: If the loan repayment product is not a credit line product, then the total outstanding loan balance will be determined as the usage limit of the loan repayment product.

[0134] Understandably, when the loan product is not a credit line product (for example, it is a traditional term loan product), the system uses the user's total outstanding loan balance as the usage limit for that product. This means that the user's usage limit is their current total debt, which may be a simplification method used by the system. Users cannot borrow more unless they repay a portion of their existing loans.

[0135] A6: If the loan repayment product is a credit line product, then obtain the credit line and determine the credit line as the usage limit for the loan repayment product.

[0136] Specifically, when the loan product is a credit line product, the system will obtain the credit line of that product (which may be a dynamically generated limit based on the user's credit status).

[0137] For example, credit card or personal loan limits are automatically adjusted based on factors such as a user's credit score, income, and repayment history.

[0138] In this situation, the system will use this credit limit as the available amount for the loan product. The credit limit typically allows users to borrow or repay flexibly within its limits; therefore, the system needs to determine the maximum amount of funds a user can use based on the credit limit.

[0139] Optionally, in another embodiment of this application, when the product type of the loan repayment product is an interface loan repayment product, a specific implementation of step S105, which determines the usage limit of the loan repayment product based on the product type of the loan repayment product, personal credit limit information, and the updated loan extension table, specifically includes processes B1 to B3:

[0140] B1: Find the configuration information corresponding to the product ID of the loan repayment product in the configuration table, and determine whether the loan repayment product is a product with a credit limit based on the configuration information.

[0141] Specifically, based on the given product ID, the relevant configuration information for that product is retrieved from the configuration table. The configuration table may contain different types of products, and each product's configuration may include different attributes (such as whether it is a credit line product). This configuration information allows us to determine whether the loan product is a "credit line product," thus enabling us to subsequently determine the customer's outstanding loan balance.

[0142] B2: If the loan repayment product is not a credit line product, then find the corresponding credit line information for the individual in the updated loan extension table, and determine the credit line as the usage limit for the loan repayment product.

[0143] Understandably, if the loan repayment product is not a credit line product, the available credit needs to come from the borrower's personal credit limit. Therefore, the system needs to look up the personal credit limit information through the updated "IOU Extension Table" and use the personal credit limit as the product's available credit. The IOU Extension Table may contain the borrower's relevant loan information and credit limit information.

[0144] B3: If the loan repayment product is a credit line product, then obtain the credit line and determine the credit line as the usage limit for the loan repayment product.

[0145] Understandably, if the loan product is a credit line product, the system will directly use the "credit line" as the usage limit for that product. A credit line typically refers to the maximum loan amount set by a bank or financial institution when granting a loan to an individual or company.

[0146] Optionally, in another embodiment of this application, when the product type of the loan repayment product is an interface loan document repayment product, a specific implementation of step S105, which determines the usage limit of the loan repayment product based on the product type of the loan repayment product, personal credit limit information, and the updated promissory note extension table, specifically includes processes C1 to C6:

[0147] C1: Find the configuration information corresponding to the product ID of the loan repayment product in the configuration table, and determine whether the loan repayment product is a product with a credit limit based on the configuration information.

[0148] It should be noted that the specific implementation method of process C1 can refer to the specific implementation method of process A1, and will not be repeated here.

[0149] C2: If the loan repayment product is a credit line product, then obtain the credit line and determine the credit line as the usage limit for the loan repayment product.

[0150] It should be noted that the specific implementation method of process C2 can refer to the specific implementation method of process A6, and will not be repeated here.

[0151] C3: If the loan repayment product is not a credit line product, then the loan receipt form, application form and updated loan receipt extension form will be linked to obtain the linkage form.

[0152] Understandably, if the loan repayment product is not part of the credit limit, the system will need to perform more processing. In this case, the system will link the credit_loan_invoice table, the credit_loan_apply table, and the updated credit_loan_invoice_project table to query the outstanding loan balance in the updated credit_loan_invoice_project table.

[0153] A promissory note typically contains all the borrower's and loan-related information, an application form contains the borrower's loan application information, and an updated promissory note extension form may contain the latest loan records and loan balances.

[0154] C4: Retrieve all loan receipts and their corresponding outstanding balances from the associated table that correspond to the credit limit number of the individual credit limit information.

[0155] Specifically, to determine the borrower's current credit limit usage, it's necessary to retrieve the individual's credit limit information from the associated table, find the corresponding credit limit number, and then use that number to obtain all loan receipts and their corresponding outstanding loan balances. The outstanding loan balance represents the amount the borrower has borrowed but not yet repaid.

[0156] C5: When the outstanding loan balance exists in the loan record table but not in the updated loan record extension table, retrieve the loan amount corresponding to the loan repayment product in the loan record table.

[0157] It should be noted that, unlike document-based loan repayment products, which involve real-time loan disbursement, the system provides a different approach for interface-based loan disbursement. Therefore, even after the outstanding loan balance is provided, the customer can still withdraw funds, meaning the outstanding loan balance is constantly changing. Step S104 involves updating the outstanding balance of existing loan receipts into the `credit_loan_invoice_project` table. Loans not existing in the `credit_loan_invoice_project` table are considered new loan receipts. Therefore, it's necessary to determine whether the outstanding loan balance exists in the loan receipt table and whether it doesn't exist in the updated loan receipt extension table. If the outstanding loan balance exists in the loan receipt table but not in the updated loan receipt extension table, the system will retrieve the corresponding loan amount for this loan disbursement product from the loan receipt table as the new loan receipt.

[0158] C6: Sum the loan amount and the outstanding loan balance to obtain the target outstanding loan balance, and determine the target outstanding loan balance as the usage limit for the loan repayment product.

[0159] Understandably, in order to obtain the customer's accurate usage limit, it is necessary to add up the amount of the newly issued loan and the outstanding loan balance to obtain the usage limit of the loan product.

[0160] S106. Compare whether the data with the target credit limit number in the updated online lending public credit limit processing table exists in the public credit limit details table.

[0161] Specifically, in order to ensure the legality, accuracy, consistency and transparency of the data, and to avoid errors or data omissions, thereby preventing risks such as over-lending, system data asynchrony or incorrect allocation of credit limits, it is necessary to compare whether the data carrying the target credit limit number in the updated online lending public credit limit processing table exists in the credit_public_limit_detail public credit limit details table. If it exists, then proceed to step S107.

[0162] Optionally, after performing step S106, the method further includes:

[0163] If the data containing the target credit limit number in the updated P2P lending public credit limit processing table does not exist in the public credit limit details table, then the data in the updated P2P lending public credit limit processing table will be updated in the public credit limit details table.

[0164] Understandably, when the data containing the target credit limit number in the updated online lending public credit limit processing table does not exist in the public credit limit details table, it is necessary to insert the data containing the target credit limit number in the updated online lending public credit limit processing table into the credit_public_limit_detail public credit limit details table to ensure data consistency.

[0165] S107. Update the data in the publicly available credit line details table.

[0166] Specifically, when the updated online lending public credit limit processing table contains data with the target credit limit number in the public credit limit details table, the public credit limit details table is updated, and the data in the credit_public_limit_detail public credit limit details table is pushed to the accounting module for accounting.

[0167] This application provides a method for recording publicly available credit limits for online lending. The method involves acquiring loan document tasks for lending and repayment products and storing these tasks in a database. After the loan document task is completed, the method periodically acquires the target credit limit number corresponding to the lending and repayment product and retrieves the first target data from the document storage table. The first target data refers to data in the document storage table that is in an unprocessed state and has an empty credit limit number. The method then updates the credit limit number of the first target data to the target credit limit number, resulting in an updated document storage table. Finally, based on the target credit limit number, the method retrieves the second target data from the updated document storage table. The second target data refers to data in the updated document storage table that is in an unprocessed state and has an empty credit limit number. For data in an unprocessed state with a non-empty credit limit number, the second target data is then updated in the loan extension table. Based on the product type of the loan repayment product and the current time, individual credit limit information is obtained. Then, based on the product type of the loan repayment product, individual credit limit information, and the updated loan extension table, the usable credit limit for the loan repayment product is determined and updated in the online lending public credit limit processing table. Finally, the updated online lending public credit limit processing table is compared to the public credit limit details table. If the updated online lending public credit limit processing table contains data with the target credit limit number, it is updated in the public credit limit details table. This incremental processing mode, using a timed polling mechanism, effectively alleviates the computational pressure and resource competition of the system at the end of the day, ensuring that summary accounting processing is completed and synchronized to the general ledger system within the specified timeframe, guaranteeing the timeliness of data reporting and the smoothness of business processes.

[0168] Another embodiment of this application provides an accounting device for publicly disclosed online lending credit limits, such as... Figure 4 As shown, it specifically includes the following units:

[0169] The data entry unit 401 is used to obtain the loan document task for the loan repayment product and to perform data entry processing on the loan document task.

[0170] The number acquisition unit 402 is used to periodically acquire the target credit limit number corresponding to the loan repayment product after the loan document task is completed, and retrieve the first target data from the document acquisition table. The first target data refers to data in the document acquisition table that is in an unprocessed state and has an empty credit limit number.

[0171] The update unit 403 is used to update the quota number of the first target data to the target quota number, thereby obtaining an updated file storage table, and to retrieve the second target data from the updated file storage table based on the target quota number. The second target data refers to data in the updated file storage table that is in an unprocessed state and has a non-empty quota number.

[0172] The information acquisition unit 404 is used to update the second target data to the loan extension table and to acquire personal credit information based on the product type of the loan product and the current time.

[0173] The credit limit determination unit 405 is used to determine the credit limit of the loan product based on the product type of the loan product, personal credit limit information and the updated loan extension table, and update the credit limit to the online lending public credit limit processing table.

[0174] Comparison unit 406 is used to compare whether the data carrying the target credit limit number in the updated online lending public credit limit processing table exists in the public credit limit details table.

[0175] The accounting unit 407 is used to update the data in the public credit limit details table if the data carrying the target credit limit number in the updated online lending public credit limit processing table exists in the public credit limit details table.

[0176] It should be noted that the specific working process of the above modules in the embodiments of this application can be referred to steps S101 to S107 in the above method embodiments, and will not be repeated here.

[0177] Optionally, in another embodiment of this application, a bookkeeping device for publicly disclosed online lending credit limits includes a number acquisition unit 402, comprising:

[0178] The first acquisition unit is used to acquire the loan receipt ID, the document storage table, and the application form for the loan repayment product.

[0179] The first association unit is used to associate the document storage table and the application table to obtain the target table, and extract the quota number corresponding to the loan ID contained in the document storage table from the target table.

[0180] The first unit is used to assign the credit limit number as the target credit limit number corresponding to the loan repayment product.

[0181] Optionally, in another embodiment of this application, an accounting device for publicly disclosed online lending credit limits includes an information acquisition unit 404, comprising:

[0182] The time query unit is used to query the maximum successful execution time corresponding to the product type of the loan disbursement and repayment product from the execution schedule.

[0183] The second unit is used to set the maximum successful execution time as the start time and the current time as the end time.

[0184] The storage unit is used to look up the credit limit data between the start and end times from the publicly available credit limit table and store the credit limit data in the publicly available credit limit details intermediate table;

[0185] The third unit is used to use the credit limit data in the intermediate table of publicly available credit limit details as personal credit limit information.

[0186] Optionally, in another embodiment of this application, a record-keeping device for publicly disclosed online lending credit limits includes, when the product type of the lending product is a document-based lending product, a credit limit determination unit 405 comprising:

[0187] The second association unit is used to associate the loan form, application form, and updated loan extension form to obtain an association table.

[0188] The first search unit is used to find all loan receipts with the corresponding credit limit number and their corresponding outstanding balances from the associated table.

[0189] The first summation unit is used to sum all the loan receipts and their corresponding outstanding balances to obtain the total outstanding balance.

[0190] The first judgment unit is used to look up the configuration information corresponding to the product ID of the loan disbursement product in the configuration table, and determine whether the loan disbursement product is a product with a credit limit based on the configuration information.

[0191] The first determining unit is used to determine the total outstanding loan balance as the usage limit of the loan product if the loan repayment product is a non-credit limit product.

[0192] The second determining unit is used to obtain the credit limit if the loan repayment product is a credit line product, and to determine the credit limit as the usage limit of the loan repayment product.

[0193] Optionally, in another embodiment of this application, a bookkeeping device for publicly disclosed online lending credit limits includes, when the product type of the lending and repayment product is an interface lending and repayment product, a credit limit determination unit 405 comprising:

[0194] The second judgment unit is used to look up the configuration information corresponding to the product ID of the loan disbursement and repayment product in the configuration table, and determine whether the loan disbursement and repayment product is a product with a credit limit based on the configuration information.

[0195] The third determining unit is used to find the corresponding credit limit information from the updated loan extension table if the loan repayment product is a non-credit limit product, and to determine the credit limit as the usage limit of the loan repayment product.

[0196] The fourth determining unit is used to obtain the credit limit if the loan repayment product is a credit line product, and to determine the credit limit as the usage limit of the loan repayment product.

[0197] Optionally, in another embodiment of this application, a bookkeeping device for publicly disclosed online lending credit limits includes, when the product type of the loan product is an interface loan document repayment product, the credit limit determination unit 405 includes:

[0198] The third judgment unit is used to look up the configuration information corresponding to the product ID of the loan disbursement and repayment product in the configuration table, and determine whether the loan disbursement and repayment product is a product with a credit limit based on the configuration information.

[0199] The fifth determining unit is used to obtain the credit limit if the loan repayment product is a credit line product, and to determine the credit limit as the usage limit of the loan repayment product.

[0200] The third association unit is used to associate the loan agreement form, application form, and updated loan agreement extension form to obtain an association table if the loan repayment product is not a credit line product.

[0201] The second search unit is used to search the associated table for all loan receipts with the corresponding credit limit number and their corresponding outstanding loan balances.

[0202] The second acquisition unit is used to acquire the loan amount corresponding to the loan repayment product in the loan agreement table when the outstanding loan balance exists in the loan agreement table but does not exist in the updated loan agreement extension table.

[0203] The second summation unit is used to sum the loan amount and the outstanding loan balance to obtain the target outstanding loan balance, and then determine the target outstanding loan balance as the usage limit for the loan repayment product.

[0204] Optionally, another embodiment of this application provides an accounting device for publicly disclosed online lending credit lines, which further includes:

[0205] The data update unit is used to update the data in the updated P2P lending public credit limit processing table to the public credit limit details table if the data carrying the target credit limit number in the updated P2P lending public credit limit processing table does not exist in the public credit limit details table.

[0206] It should be noted that the specific working process of each module provided in the above embodiments of this application can be referred to the corresponding steps in the above method embodiments, and will not be repeated here.

[0207] It should also be noted that the online lending public credit limit accounting device provided in this application embodiment has the technical effects of any of the above embodiments, and will not be described in detail here.

[0208] Those skilled in the art will further recognize that the units and algorithm steps of the various examples described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of both. To clearly illustrate the interchangeability of hardware and software, the components and steps of the various examples have been generally described in terms of functionality in the foregoing description. Whether these functions are implemented in hardware or software depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of this application.

[0209] The above description of the disclosed embodiments enables those skilled in the art to make or use this application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of this application. Therefore, this application is not to be limited to the embodiments shown herein, but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A bookkeeping method for publicly disclosed online lending limits, characterized in that, include: The task involves obtaining the loan agreement documents for the loan products and then storing these documents in the database. After the task of storing the loan document in the database is completed, the target credit limit number corresponding to the loan product is periodically obtained, and the first target data is obtained from the document storage table; wherein, the first target data refers to the data in the document storage table whose data status is unprocessed and whose credit limit number is empty. The quota number of the first target data is updated to the target quota number to obtain the updated file storage table. The second target data is then obtained from the updated file storage table based on the target quota number. The second target data refers to the data in the updated file storage table that is in an unprocessed state and has a non-empty quota number. Update the second target data to the loan extension table, and obtain personal credit limit information based on the product type of the loan product and the current time. Based on the product type of the loan repayment product, the personal credit limit information, and the updated loan extension table, the usage limit of the loan repayment product is determined, and the usage limit is updated in the online lending public credit limit processing table. Compare whether the data with the target credit limit number in the updated online lending public credit limit processing table exists in the public credit limit details table; If the data containing the target credit limit number in the updated online lending public credit limit processing table exists in the public credit limit details table, then the data in the public credit limit details table will be updated.

2. The method according to claim 1, characterized in that, Obtaining the target credit limit number corresponding to the loan product includes: Obtain the loan receipt ID, document storage table, and application form for the loan product; The file storage table and the application table are associated to obtain the target table, and the quota number corresponding to the loan id contained in the file storage table is extracted from the target table. The credit limit number is used as the target credit limit number corresponding to the loan product.

3. The method according to claim 1, characterized in that, The step of obtaining personal credit limit information based on the product type of the loan product and the current time includes: Query the execution schedule to find the maximum successful execution time corresponding to the product type of the loan disbursement and repayment product; The maximum successful execution time is taken as the start time, and the current time is taken as the end time; The credit limit data between the start time and the end time is retrieved from the publicly available credit limit table, and the credit limit data is stored in the publicly available credit limit details intermediate table; The credit limit data in the publicly available credit limit details intermediate table is used as personal credit limit information.

4. The method according to claim 1, characterized in that, When the loan product type is a document-based loan product, determining the usage limit of the loan product based on the product type, the individual credit limit information, and the updated loan extension table includes: Link the IOU form, application form, and updated IOU expansion form to obtain the linked table; Retrieve all loan receipts and their corresponding outstanding balances corresponding to the credit limit number of the individual in the association table; Sum all the aforementioned loan receipts and their corresponding outstanding loan balances to obtain the total outstanding loan balance; Find the configuration information corresponding to the product ID of the loan disbursement product in the configuration table, and determine whether the loan disbursement product is a product with a credit limit based on the configuration information. If the loan repayment product is a non-credit line product, then the total outstanding loan balance is determined as the usage limit of the loan repayment product; If the loan repayment product is a credit line product, then the credit line is obtained and the credit line is determined as the usage limit of the loan repayment product.

5. The method according to claim 1, characterized in that, When the loan product type is an interface loan product, determining the usage limit of the loan product based on the product type, the individual credit limit information, and the updated loan extension table includes: Find the configuration information corresponding to the product ID of the loan disbursement product in the configuration table, and determine whether the loan disbursement product is a product with a credit limit based on the configuration information. If the loan repayment product is a non-credit limit product, then the credit limit corresponding to the personal credit limit information is found from the updated loan extension table, and the credit limit is determined as the usage limit of the loan repayment product; If the loan repayment product is a credit line product, then the credit line is obtained and the credit line is determined as the usage limit of the loan repayment product.

6. The method according to claim 1, characterized in that, When the loan product type is an interface loan document repayment product, determining the usage limit of the loan product based on the product type, the individual credit limit information, and the updated loan extension table includes: Find the configuration information corresponding to the product ID of the loan disbursement product in the configuration table, and determine whether the loan disbursement product is a product with a credit limit based on the configuration information. If the loan repayment product is a credit line product, then the credit line is obtained and the credit line is determined as the usage limit of the loan repayment product; If the loan repayment product is a non-credit line product, then the loan receipt form, application form and updated loan receipt extension form will be linked to obtain a linked form; Retrieve all loan receipts and their corresponding outstanding balances corresponding to the credit limit number of the individual in the association table; When the outstanding loan balance exists in the loan receipt table but not in the updated loan receipt expansion table, obtain the loan amount corresponding to the loan disbursement and repayment product in the loan receipt table; The loan amount and the outstanding loan balance are summed to obtain the target outstanding loan balance, and the target outstanding loan balance is determined as the usage limit of the loan repayment product.

7. The method according to claim 1, characterized in that, Also includes: If the data containing the target credit limit number in the updated online lending public credit limit processing table does not exist in the public credit limit details table, then the data in the updated online lending public credit limit processing table will be updated in the public credit limit details table.

8. An accounting device for publicly disclosed online lending limits, characterized in that, include: The database entry unit is used to obtain the loan document task for the loan repayment product and perform database entry processing on the loan document task. The number acquisition unit is used to periodically acquire the target credit limit number corresponding to the loan product after the loan document task is completed, and to retrieve the first target data from the document storage table; wherein, the first target data refers to the data in the document storage table whose data status is unprocessed and whose credit limit number is empty. An update unit is configured to update the quota number of the first target data to the target quota number, thereby obtaining an updated file storage table, and to retrieve the second target data from the updated file storage table according to the target quota number; wherein, the second target data refers to data in the updated file storage table whose data status is unprocessed and whose quota number is not empty; The information acquisition unit is used to update the second target data to the loan extension table and acquire personal credit information according to the product type of the loan product and the current time. The credit limit determination unit is used to determine the usage limit of the loan repayment product based on the product type of the loan repayment product, the personal credit limit information and the updated loan extension table, and update the usage limit to the online lending public credit limit processing table. The comparison unit is used to compare whether the data with the target credit limit number in the updated online lending public credit limit processing table exists in the public credit limit details table; The update unit is used to update the data in the public credit limit details table if the data carrying the target credit limit number in the updated online lending public credit limit processing table exists in the public credit limit details table.

9. The apparatus according to claim 8, characterized in that, The number acquisition unit includes: The first acquisition unit is used to acquire the loan receipt ID, the document storage table, and the application form of the loan product. The first association unit is used to associate the file storage table and the application table to obtain a target table, and extract the quota number corresponding to the loan id contained in the file storage table from the target table. The first unit is used to use the credit limit number as the target credit limit number corresponding to the loan product.

10. The apparatus according to claim 8, characterized in that, The information acquisition unit includes: The time query unit is used to query the maximum successful execution time corresponding to the product type of the loan disbursement and repayment product from the execution schedule. The second unit is used to take the maximum successful execution time as the start time and the current time point as the end time; A storage unit is used to look up the credit limit data between the start time and the end time from the publicly available credit limit table, and store the credit limit data in the publicly available credit limit details intermediate table; The third unit is used to use the credit limit data in the intermediate table of publicly granted credit limit details as personal credit limit information.

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