A method, device, storage medium and product for automatically generating a financial form

Abstract

The application discloses a kind of financial form automatic generation method, equipment, storage medium and product, applied to the field of financial technology. By responding to request and calling interface to obtain historical payment records, the basic data of form can be quickly and accurately obtained, ensuring the standardization and accuracy of data sources. By filling in the form template, the automated entry of form basic information can be completed, reducing manual operation and improving the efficiency of initial form construction. By identifying the clearing and settlement method and constructing a matching processing task set, on-demand splitting and structured design of calculation tasks can be achieved, adapting to different calculation logic of clearing and settlement methods. Threads are assigned to tasks and interfaces are called to calculate additional funds, enabling parallel execution of calculation tasks, significantly improving the calculation efficiency of additional funds and solving the problem of dependence blocking. By filling in the additional fund results and pushing the form, a complete clearing and settlement form can be quickly generated, enabling real-time display of the form and improving the response speed of financial services and customer experience.

Description

Technical Field

[0001] This invention relates to the field of financial technology, and in particular to a method, device, storage medium, and product for automatically generating financial forms. Background Technology

[0002] In financial transactions involving fund settlement, quickly and accurately generating settlement forms for target financial entities is crucial for improving the efficiency of financial services and meeting customer needs for fund disposal. Financial entities employ diverse settlement methods, and the additional fund calculation logic and period data dependencies differ significantly between these methods, placing varying demands on the efficiency and accuracy of settlement form generation.

[0003] Existing payment form generation systems employ a fully sequential architecture, completing form creation through steps such as historical data acquisition, initial form filling, sequential calculation of additional funds, and final form generation. However, the existing technology suffers from inefficient additional fund calculations and time-consuming form generation; the calculation process suffers from severe dependency blocking, as data-dependent calculation steps cannot be performed in parallel, further reducing efficiency; and it exhibits poor adaptability to high concurrency, with high system response latency and prone to blocking when multiple payment requests are processed simultaneously. This fails to meet the business requirements for real-time form generation and display, severely impacting service quality and customer experience. Summary of the Invention

[0004] This invention provides a method, device, storage medium, and product for automatically generating financial forms. It solves the technical problems of low efficiency, severe dependency blocking, and inability to adaptively process calculation tasks for different fund settlement methods in the traditional financial fund settlement form generation process due to the serial architecture of additional fund calculation. It also makes it difficult to meet the real-time generation and display requirements of forms in high-concurrency scenarios.

[0005] According to one aspect of the present invention, a method for automatically generating financial forms is provided, the method comprising: In response to a fund payment request from a target financial entity for a target financial activity, the financial terminal interface is invoked to obtain historical fund payment records that match the target financial entity. The initial fund settlement form template is populated with historical fund repayment records to obtain the initial fund settlement form. Identify the fund settlement method of the target financial object, obtain the additional fund determination model that matches the fund settlement method, and use the additional fund determination model to construct a set of processing tasks that matches the fund settlement method; wherein, the set of processing tasks includes at least one processing task, and each processing task includes multiple sequential sub-tasks or multiple independent stage sub-tasks that need to be executed in sequence. After allocating at least one execution thread to each processing task in the processing task set, the task determination result matching each processing task is obtained by calling the additional funds determination interface within each execution thread, and the target additional funds determination result is obtained based on the task determination result. Based on the determination of the target additional funds, the initial fund settlement form is filled in to obtain the fund settlement form, and the fund settlement form is pushed to the target financial object for display through the human-computer interaction interface.

[0006] Optionally, the fund settlement method of the target financial object is identified, and an additional fund determination model matching the fund settlement method is obtained. Then, using the additional fund determination model, a set of processing tasks matching the fund settlement method is constructed. This includes: when the fund settlement method is identified as a one-time payment of additional funds along with the original funds, a first-type additional fund determination model is obtained, and a first-type processing task is constructed using this model. The first-type processing task includes multiple sequential subtasks. Correspondingly, after allocating at least one execution thread to each processing task in the processing task set, the additional fund determination interface is called within each execution thread to obtain the matching data for each processing task. The task determination result is used to obtain the target additional funds determination result, including: allocating an execution thread for the first type of processing task; calling the additional funds determination interface through the execution thread based on the attribute information matching the target financial behavior, sequentially executing each subtask in the first type of processing task to obtain the first type of additional funds, and storing the first type of additional funds in the cache; when the execution thread determines that the conditions for determining the second type of additional funds are met, calling the additional funds determination interface again to obtain the second type of additional funds; merging the first type of additional funds and the second type of additional funds in the cache to obtain the target additional funds determination result matching the first type of processing task.

[0007] Optionally, when the execution thread determines that the conditions for determining the second type of additional funds are met, the additional funds determination interface is called again to obtain the second type of additional funds. This includes: obtaining the current system time through the execution thread, and when it is determined that the conditions for determining the second type of additional funds are met based on the current system time, extracting key attribute information for determining the penalty amount from various attribute information, and calling the additional funds determination interface again based on the key attribute information to obtain the second type of additional funds.

[0008] Optionally, identify the fund settlement method of the target financial object, obtain an additional fund determination model matching the fund settlement method, and use the additional fund determination model to construct a set of processing tasks matching the fund settlement method. This includes: when the fund settlement method is identified as irregular repayment, obtaining a repayment plan configuration table input by the user, wherein the repayment plan configuration table includes the original fund amount for each period, the independent start time for each period, and the independent end time for each period; obtaining a first type of additional fund determination model, and using the first type of additional fund determination model to construct multiple parallel second type of processing tasks based on the repayment plan configuration table. The second type of processing tasks includes multiple independent stage sub-tasks, and a task completion flag is set for each stage sub-task; correspondingly, after allocating at least one execution thread to each processing task in the processing task set, by each execution... The additional funds determination interface is called internally within each thread to obtain the task determination result that matches each processing task. Based on the task determination result, the target additional funds determination result is obtained. This includes: assigning independent execution threads to each second-type processing task; having each execution thread call the additional funds determination interface based on the attribute information matching the target financial behavior, executing each stage subtask in the second-type processing task in parallel to obtain the first type of additional funds, and storing the first type of additional funds in a cache; when the execution thread determines that the conditions for determining the second type of additional funds are met and the task completion marker is set to completion, the additional funds determination interface is called again to obtain the second type of additional funds; and merging the first type of additional funds and the second type of additional funds in the cache to obtain the target additional funds determination result that matches the second-type processing task.

[0009] Optionally, when the execution thread determines that the conditions for determining the second type of additional funds are met and the task completion flag is set to complete, the additional funds determination interface is called again to obtain the second type of additional funds. This includes: obtaining the current system time through the execution thread, and when it is determined based on the current system time that the conditions for determining the second type of additional funds are met and the task completion flag is set to complete, extracting key attribute information for determining the penalty amount from various attribute information, and calling the additional funds determination interface again based on the key attribute information to obtain the second type of additional funds.

[0010] Optionally, the fund settlement method of the target financial object is identified, and an additional fund determination model matching the fund settlement method is obtained. Using this additional fund determination model, a set of processing tasks matching the fund settlement method is constructed. This includes: when the fund settlement method is identified as a custom repayment, reading the details of each period of the target financial object from the initial fund settlement form; obtaining a first type of additional fund determination model, and using this model to construct a third type of processing task and a fourth type of processing task based on the period details. The third type of processing task includes multiple sequential subtasks that need to be executed sequentially, and the fourth type of processing task includes multiple stage subtasks. Correspondingly, after allocating at least one execution thread to each processing task in the processing task set, the task determination result matching each processing task is obtained by calling the additional fund determination interface within each execution thread. Based on the task determination results, the target additional funds determination results are obtained, including: allocating a first execution thread and a second execution thread to the third and fourth types of processing tasks respectively, wherein the first and second execution threads execute in parallel; through the first execution thread, based on the attribute information matching the target financial behavior, calling the additional funds determination interface, executing each sequential subtask in the third type of processing task respectively, obtaining the first type of additional funds, and storing the first type of additional funds in the cache; through the second execution thread, when it is determined that the conditions for determining the second type of additional funds are met, calling the additional funds determination interface, executing each stage subtask in the fourth type of processing task respectively, obtaining the second type of additional funds; merging the first type of additional funds and the second type of additional funds in the cache to obtain the target additional funds determination results matching the third and fourth processing tasks.

[0011] Optionally, when the second execution thread determines that the conditions for determining the second type of additional funds are met, the additional funds determination interface is called to execute each stage subtask in the fourth type of processing task to obtain the second type of additional funds. This includes: obtaining the current system time through the second execution thread, and when it is determined that the conditions for determining the second type of additional funds are met based on the current system time, executing each stage subtask in the fourth type of processing task, extracting key attribute information for determining the penalty amount from various attribute information, and calling the additional funds determination interface again based on the key attribute information to obtain the second type of additional funds.

[0012] According to another aspect of the present invention, an electronic device is provided, the electronic device comprising: At least one processor; and a memory communicatively connected to the at least one processor; The memory stores a computer program that can be executed by the at least one processor, which enables the at least one processor to execute an automatic financial form generation method according to any embodiment of the present invention.

[0013] According to another aspect of the present invention, a computer-readable storage medium is provided, the computer-readable storage medium storing computer instructions for causing a processor to execute and implement an automatic financial form generation method according to any embodiment of the present invention.

[0014] According to another aspect of the present invention, a computer program product is provided, the computer program product comprising a computer program that, when executed by a processor, implements an automatic financial form generation method according to any embodiment of the present invention.

[0015] The technical solution of this invention, by responding to requests and calling interfaces to obtain historical repayment records, can quickly and accurately acquire basic form data, ensuring the standardization and accuracy of data sources. By filling in form templates, the basic information of the form can be automatically entered, reducing manual operations and improving the efficiency of initial form construction. By identifying the settlement method and building a matching set of processing tasks, the computational tasks can be split and structured as needed, adapting to the computational logic of different settlement methods; by allocating threads to tasks and calling interfaces to calculate additional funds, parallel execution of computational tasks is achieved, significantly improving the computational efficiency of additional funds and solving dependency blocking problems; by filling in the additional funds results and pushing the form, a complete settlement form can be quickly generated, enabling real-time form display and improving the response speed of financial services and customer experience.

[0016] It should be understood that the description in this section is not intended to identify key or essential features of the embodiments of the present invention, nor is it intended to limit the scope of the invention. Other features of the invention will become readily apparent from the following description. Attached Figure Description

[0017] To more clearly illustrate the technical solutions in the embodiments of the present invention, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0018] Figure 1 This is a flowchart of an automatic financial form generation method according to Embodiment 1 of the present invention; Figure 2 This is a flowchart of another method for automatically generating financial forms according to Embodiment 1 of the present invention; Figure 3 This is a flowchart of another method for automatically generating financial forms according to Embodiment 2 of the present invention; Figure 4 This is a flowchart of another method for automatically generating financial forms according to Embodiment 3 of the present invention; Figure 5 This is a schematic diagram of the structure of an automatic financial form generation device provided according to Embodiment 4 of the present invention; Figure 6 This is a schematic diagram of the structure of an electronic device that implements an automatic financial form generation method according to an embodiment of the present invention. Detailed Implementation

[0019] To enable those skilled in the art to better understand the present invention, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings of the embodiments of the present invention. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort should fall within the scope of protection of the present invention.

[0020] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this invention are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of the invention described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover a non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0021] Example 1 Figure 1 This is a flowchart illustrating an automatic financial form generation method according to Embodiment 1 of the present invention. This embodiment is applicable to fintech scenarios. The method can be executed by an automatic financial form generation device, which can be implemented in hardware and / or software and can be configured in a computer controller. Figure 1 As shown, the method includes: S110. In response to a fund payment request from the target financial object for the target financial behavior, call the financial terminal interface to obtain historical fund payment records that match the target financial object.

[0022] In this context, the target financial entity refers to the subject initiating the fund settlement request, such as an individual or enterprise applying for early loan repayment. The target financial act refers to the specific financial operation that triggers the fund settlement, such as early loan repayment or full settlement upon maturity. A fund settlement request is an application submitted by the target financial entity to the financial system, requesting settlement of funds related to the corresponding financial act. The financial terminal interface refers to the standardized service interface provided by the financial system, used to obtain relevant financial data of the financial entity. Historical fund repayment records refer to the records of the target financial entity's past fulfillment of its fund payment obligations as agreed, such as detailed repayment schedules, including information such as principal, repayment date, and repayment status for each period.

[0023] Specifically, when a target financial entity initiates a payment request for a specific financial activity, such as early repayment of a loan or settlement upon maturity, the system will call the financial terminal interface to query and obtain the financial entity's past historical payment records, i.e., period details, including key structured data such as the principal due for each period, the actual repayment date, the interest rate, and the repayment status, providing a basis for subsequent form filling and fund calculation.

[0024] S120. Fill in the fund settlement form template with the historical fund repayment records to obtain the initial fund settlement form.

[0025] Among them, the fund settlement form template refers to the standardized form framework preset by the financial system to present fund settlement information, such as the early repayment quotation form template. The initial fund settlement form refers to the preliminary form after filling the template with historical fund repayment records, without including additional fund information.

[0026] Specifically, the system will retrieve a preset fund settlement form template, such as an early repayment quotation template, and then automatically fill the corresponding fields in the template with the core information from the historical fund repayment records, such as the number of repayment periods, the cumulative principal amount repaid, and the cumulative interest amount repaid, to complete the initial data entry and form the initial fund settlement form. At this time, the form does not yet include additional fund information such as outstanding normal interest, overdue interest, and compound interest.

[0027] S130. Identify the fund settlement method of the target financial object, obtain the additional fund determination model that matches the fund settlement method, and use the additional fund determination model to construct a set of processing tasks that match the fund settlement method.

[0028] The processing task set includes at least one processing task, and each processing task includes multiple sequential subtasks or multiple independent stage subtasks that need to be executed in sequence.

[0029] Here, "funds settlement method" refers to the agreed-upon repayment model for the target financial entity. "Additional funds determination model" refers to a logical model constructed based on different settlement methods to calculate additional funds, such as normal interest, overdue interest, and compound interest. "Processing task set" refers to the set of computational tasks broken down based on the additional funds determination model, including subtasks that need to be executed sequentially or independently. "Ordered subtasks" are subtasks with dependencies that need to be executed in a specific order. "Stage subtasks" are subtasks without dependencies that can be executed independently and in parallel.

[0030] S140. After allocating at least one execution thread to each processing task in the processing task set, the task determination result matching each processing task is obtained by calling the additional funds determination interface within each execution thread, and the target additional funds determination result is obtained based on the task determination result.

[0031] Here, "execution thread" refers to the computational unit used to process tasks, allocated through a thread pool. "Additional funds determination interface" refers to the standardized interface provided by the financial system for calculating additional funds. "Task determination result" refers to the calculation result obtained by a single processing task through calling the additional funds determination interface. "Target additional funds determination result" refers to the final determined total amount of additional funds after summing the results of all processing tasks.

[0032] Specifically, the system allocates at least one execution thread to each processing task in the task set through a thread pool, avoiding the resource overhead caused by frequently creating and destroying threads. Within each execution thread, the additional funding determination interface is called to execute the corresponding subtask. For sequentially executed subtasks, the thread calls the interface sequentially according to dependencies, for example, calculating normal interest first, then calculating overdue interest and compound interest based on the normal interest result. For independent stage subtasks, multiple threads call the interface simultaneously for parallel computation, using a flag to confirm the completion of the previous stage before starting the next stage. For pipelined parallel subtasks, intermediate results are passed through an inter-thread communication queue to achieve parallel execution of adjacent stage subtasks. After each processing task is completed, the corresponding task determination result is obtained. The system summarizes all task determination results to calculate the total amount of additional funding, i.e., the target additional funding determination result.

[0033] Figure 2 This is a flowchart of an automatic financial form generation method provided in Embodiment 1 of the present invention. Step S130 mainly includes the following steps S131, and step S140 mainly includes the following steps S141 to S144: S131. When it is identified that the fund settlement method is that the additional funds are paid in a lump sum along with the original funds, the first type of additional fund determination model is obtained, and the first type of additional fund determination model is used to construct a first type of processing task, which includes multiple sequential sub-tasks.

[0034] Among them, "additional funds repaid in a lump sum along with the original funds" refers to a repayment method where interest is paid off along with the principal, meaning that both the original funds and additional funds are repaid in a lump sum on the loan maturity date. In this method, the first type of additional funds determination model is adapted to the additional funds calculation model of the interest-on-principal repayment method. This model calculates normal interest and overdue-related interest in stages, with each subsequent stage depending on the result of the previous stage. The first type of processing task refers to a single calculation task built based on the first type of additional funds determination model, corresponding to the single-period characteristic of the interest-on-principal repayment method, and includes sub-tasks that need to be executed sequentially.

[0035] Specifically, the system analyzes the loan agreement information and repayment agreement of the target financial entity to identify its payment method. When it identifies that the additional funds are paid in a lump sum along with the original funds, it obtains the first type of additional fund determination model. The core logic of this model is to first calculate the normal interest, and then determine whether to calculate the overdue-related additional funds based on whether it is overdue. The latter calculation depends on the result of the former. Next, based on the first type of additional fund determination model, a first type of processing task is constructed. This processing task contains only one calculation group, which contains two sequential subtasks. The first sequential subtask is the calculation of normal interest, i.e., the calculation of the first type of additional funds. The second sequential subtask is the calculation of overdue interest and compound interest, i.e., the calculation of the second type of additional funds. The second subtask must depend on the calculation result of the first subtask to be executed.

[0036] S141. Allocate an execution thread for the first type of processing task.

[0037] Specifically, when allocating execution threads for processing tasks and calculating target additional funds, an execution thread is allocated to the first type of processing task to avoid the additional overhead of multi-threaded scheduling.

[0038] S142. The execution thread calls the additional funds determination interface based on the attribute information matching the target financial behavior, sequentially executes each subtask in the first type of processing task, obtains the first type of additional funds, and stores the first type of additional funds in the cache.

[0039] Specifically, the execution thread first collects various attribute information matching the target financial behavior, including loan principal, loan interest accrual date, loan maturity date, current trading day, interest rate type, etc. Then, it calls the additional funds determination interface and executes the first sequential subtask. The execution thread uses the collected principal as the calculation base, the interest accrual date as the loan interest accrual date, and the interest cessation date as the smaller value between the loan maturity date and the current trading day to calculate the normal interest, i.e., the first type of additional funds. This result is stored in a cache, and the subtask is marked as completed.

[0040] S143. When the execution thread determines that the conditions for determining the second type of additional funds are met, the additional funds determination interface is called again to obtain the second type of additional funds.

[0041] Optionally, when the execution thread determines that the conditions for determining the second type of additional funds are met, the additional funds determination interface is called again to obtain the second type of additional funds. This includes: obtaining the current system time through the execution thread, and when it is determined that the conditions for determining the second type of additional funds are met based on the current system time, extracting key attribute information for determining the penalty amount from various attribute information, and calling the additional funds determination interface again based on the key attribute information to obtain the second type of additional funds.

[0042] The various attribute information refers to all key data related to the target financial behavior, including loan principal, interest accrual date, repayment deadline, interest rate type, and calculated normal interest, providing a data foundation for extracting key attribute information. Determining the penalty amount refers to the process of calculating additional funds to be paid for overdue behavior. Key attribute information refers to the core parameters necessary for calculating the penalty amount, including the overdue principal or normal interest base, current normal interest, overdue interest accrual date or repayment deadline, overdue interest cessation date or current system time, and overdue interest rate type.

[0043] Specifically, the execution thread obtains the current system time, i.e., the current trading day, and compares it with the repayment deadline corresponding to the target financial activity. The second type of additional funding is determined when the current trading day is later than the repayment deadline. When this condition is met, it indicates an overdue payment, and penalty funds related to the overdue payment need to be calculated. Subsequently, the execution thread extracts key attribute information for determining the penalty amount from the various attribute information of the target financial activity. This key attribute information includes the input parameters required by the interest calculation interface, such as the first type of additional funding obtained through caching as the base for overdue calculation, the repayment deadline, the current system time, and the corresponding interest rate type. Finally, the thread passes the key attribute information to the additional funding determination interface, which calculates the overdue interest and compound interest according to preset logic, as the second type of additional funding.

[0044] S144. Merge the first type of additional funds and the second type of additional funds in the cache to obtain the target additional funds determination result that matches the first type of processing task.

[0045] Specifically, the execution thread will accumulate and merge the first type of additional funds and the second type of additional funds in the cache to obtain the target additional funds determination result that matches the first type of processing task, that is, the total amount of additional funds that the loan needs to be repaid in one lump sum.

[0046] S150. Based on the target additional funds determination result, fill in the initial fund settlement form to obtain the fund settlement form, and push the fund settlement form to the target financial object for display through the human-computer interaction interface.

[0047] Among them, the fund settlement form refers to the final form that fully presents fund settlement information after filling in historical repayment records and additional fund results. The human-computer interaction interface refers to the interactive interface used by the financial system to display and push forms to target financial entities.

[0048] Specifically, the system summarizes the target additional funds determination results, including outstanding normal interest, overdue interest, and total compound interest, and fills them into the corresponding fields of the initial fund settlement form to form a complete fund settlement form. Finally, through the human-computer interaction interface, the fund settlement form containing complete fund information is pushed to the target financial object for them to view and confirm.

[0049] The technical solution of this invention addresses the issue of additional funds not being dependent on multiple periods under a one-time repayment method where additional funds are paid along with the original funds. It constructs a single first-type processing task by matching a dedicated additional fund determination model, breaking down the calculation of additional funds into ordered sub-tasks. Each sub-task is executed sequentially in a single thread, and interfaces are called as needed. This adapts to the single-period calculation characteristics of this repayment method, simplifying the calculation process while ensuring the rigor of the calculation logic. The first type of additional funds is cached, and the interface is called to calculate the second type of additional funds only when conditions are met, accurately resolving the dependency issue of overdue additional funds on the basic additional funds and avoiding redundant calculations. Single-threaded dedicated processing reduces thread scheduling and resource consumption overhead, improving computational efficiency. Even with multiple payment requests processed concurrently, it can respond quickly, meeting the real-time generation requirements of fund payment forms and comprehensively optimizing the computational performance of additional funds under the one-time repayment method.

[0050] Example 2 Figure 3 This is a flowchart of a method for automatically generating financial forms according to Embodiment 2 of the present invention. Based on Embodiment 1, this embodiment specifically explains the calculation process for determining the target additional funds when the payment method is irregular repayment. For example... Figure 3 As shown, the method includes: S210. When it is identified that the fund settlement method is irregular repayment, the user input repayment plan configuration table is obtained. The repayment plan configuration table includes the original fund amount for each period, the independent start time for each period, and the independent end time for each period.

[0051] Irregular repayment refers to an irregular repayment method, that is, a loan repayment model where the date and amount in the repayment schedule are not fixed. For example, if repayment is based on the progress of the project, additional funds for each period need to be dynamically calculated. The repayment schedule configuration table is a table that records key information for each period of irregular repayment, including the original funding amount for each period, the independent start time for each period, and the independent end time for each period.

[0052] S220. Obtain the first type of supplementary funding determination model, and use the first type of supplementary funding determination model to construct multiple parallel second type of processing tasks based on the repayment plan configuration table. The second type of processing tasks include multiple independent stage sub-tasks, and set task completion identifiers for each stage sub-task.

[0053] The task completion flag is used to mark the execution status of the stage subtask, such as whether the normal interest calculation is completed, to ensure that subsequent dependent subtasks are only started after the preceding task is completed.

[0054] Specifically, in the case of irregular repayment, the first type of supplementary funding determination model refers to a supplementary funding calculation model adapted to irregular repayment. Its core logic is to calculate normal interest and overdue-related funds in parallel for each period in stages, resolving inter-stage dependencies through task identifiers. The processing task set refers to a set of calculation tasks split based on the repayment plan configuration table, containing multiple parallel-executable second-type processing tasks. Each task corresponds to a single period calculation for irregular repayment. The second-type processing task refers to a calculation task built for a single period of irregular repayment, containing multiple independent, non-dependent stage sub-tasks. The system will obtain the first type of supplementary funding determination model matching the irregular repayment. This model will process normal interest and overdue-related funds in stages, and utilize parallel computing to improve efficiency. Based on the repayment plan configuration table, the system will construct multiple parallel second-type processing tasks. Each second-type processing task corresponds to one period in the repayment plan configuration table; that is, one period corresponds to one independent second-type processing task, ensuring that calculations for each period can be performed in parallel. Each second-type processing task contains two independent stage subtasks: a normal interest calculation subtask and an overdue interest and compound interest calculation subtask. At the same time, a task completion flag is set for each stage subtask to mark whether the corresponding stage subtask has been completed, thus resolving the dependency problem between stages.

[0055] S230: Assign independent execution threads to each of the second type of processing tasks.

[0056] Specifically, the system will allocate an independent execution thread for each second type of processing task. The execution threads are managed uniformly by the thread pool to avoid the resource consumption of frequently creating and destroying threads, while realizing parallel computing of tasks in each phase.

[0057] S240. Each execution thread calls the additional funds determination interface based on the attribute information matching the target financial behavior, executes each stage subtask in the second type of processing task in parallel, obtains the first type of additional funds, and stores the first type of additional funds in the cache.

[0058] Specifically, each execution thread first collects various attribute information matching the current second-type processing task, including the original funding amount for the period, independent start time, independent end time, interest rate type, and current system time. Then, it calls the additional funding determination interface and executes the normal interest calculation task in the stage subtask in parallel. During execution, the thread uses the original funding amount for the period as the principal, the independent start time as the interest accrual date, and the smaller of the independent end time and the current system time as the interest accrual date. It calculates the first type of additional funding through the interface, stores the calculation result in the cache, and simultaneously sets the task completion flag for that stage subtask to "complete."

[0059] S250. When the execution thread determines that the conditions for determining the second type of additional funds are met and the task completion flag is set to completion, the additional funds determination interface is called again to obtain the second type of additional funds.

[0060] Optionally, when the execution thread determines that the conditions for determining the second type of additional funds are met and the task completion flag is set to complete, the additional funds determination interface is called again to obtain the second type of additional funds. This includes: obtaining the current system time through the execution thread, and when it is determined based on the current system time that the conditions for determining the second type of additional funds are met and the task completion flag is set to complete, extracting key attribute information for determining the penalty amount from various attribute information, and calling the additional funds determination interface again based on the key attribute information to obtain the second type of additional funds.

[0061] Specifically, the execution thread actively retrieves the current system time, i.e., the trading day, which is the core time node for determining whether overdue payments have occurred. Then, the thread performs a dual-condition check. The first check is whether the conditions for determining the second type of additional funds are met, which involves comparing the current system time with the independent end time of the period, i.e., the repayment deadline. If the current system time is greater than the independent end time, it indicates that there is an overdue payment for that period, meeting the prerequisite for calculating penalty funds. The second check is whether the task completion flag is set to 1. Only when the task completion flag is set to 1 does it mean that the first type of additional funds for that period has been calculated. When both conditions are met, the execution thread extracts key attribute information for determining the penalty amount from the attribute information matching the current second-type processing task. Key attribute information includes parameters such as the first type of additional funds for that period obtained through caching, the independent end time of that period, the current system time, and the overdue interest rate type, ensuring that the call requirements of the additional funds determination interface are met. Finally, the execution thread will pass the extracted key attribute information to the additional funds determination interface. The interface will perform the calculation according to the preset overdue interest and compound interest calculation logic, combined with the input parameters, and the final output result is the second type of additional funds.

[0062] S260. Merge the first type of additional funds and the second type of additional funds in the cache to obtain the target additional funds determination result that matches the second type of processing task.

[0063] The technical solution of this invention addresses the issue of dependency-free calculations for irregular repayment methods. By accurately extracting core data for each period from the repayment plan configuration table, multiple parallel second-type processing tasks are constructed based on the configuration table. This allows each period's task to be computed independently and in parallel, significantly reducing overall computation time and overcoming the efficiency bottleneck of traditional serial architectures. Simultaneously, completion markers are set for stage sub-tasks to accurately determine the completion status of the first-type supplementary funds calculation, efficiently resolving the dependency issue of overdue second-type supplementary funds on normal interest, achieving a balance between dependency decoupling and parallel acceleration. Independent execution threads are allocated to each task, relying on interfaces to complete supplementary fund calculations in parallel and cache results, reducing thread scheduling overhead, improving resource utilization, avoiding system blocking in high-concurrency scenarios, ensuring that the requirement for real-time generation of fund settlement forms is met, and comprehensively optimizing the supplementary fund calculation experience for irregular repayment methods.

[0064] Example 3 Figure 4 This is a flowchart of a method for automatically generating financial forms according to Embodiment 2 of the present invention. Based on Embodiment 1, this embodiment specifically explains the calculation process for determining the target additional funds when the payment method is a customized repayment. For example... Figure 4 As shown, the method includes: S310. When the fund settlement method is identified as a custom repayment method, read the details of each period of the target financial object from the initial fund settlement form.

[0065] Among them, the custom repayment method refers to a repayment model where the principal of each period after the loan is divided into installments depends on the calculation result of the previous period, and the repayment must proceed sequentially and the additional funds must be calculated in stages. The installment details refer to the structured data after the loan is divided into installments, which includes fields such as principal of each period, start and end dates, interest rate, and repayment status.

[0066] Specifically, when the fund settlement method is confirmed as custom repayment, the core characteristic of this method is that the principal for each period depends on the calculation result of the previous period, and it is not possible to directly calculate the principal for the entire cycle in parallel. At this time, the system will read the details of each period of the financial object from the initial fund settlement form that has been initially filled in.

[0067] S320. Obtain the first type of additional funding determination model, and use the first type of additional funding determination model to construct a third type of processing task and a fourth type of processing task based on the period details. The third type of processing task includes multiple sequential sub-tasks that need to be executed in sequence, and the fourth type of processing task includes multiple stage sub-tasks.

[0068] In the custom repayment method, the supplementary funding determination model is a computational logic model adapted to custom repayment. Its core is to resolve the contradiction between inter-period dependencies and parallel computation by processing normal interest and overdue-related funds in parallel through task-based, multi-threaded processing. The processing task set refers to a combination of tasks built based on period details and the supplementary funding determination model, including the third and fourth types of processing tasks, corresponding to different types of supplementary funding calculations. The third type of processing task is used to calculate the basic supplementary funding, containing multiple sequential sub-tasks. Due to the principal dependency between periods, these must be executed sequentially. The fourth type of processing task is used to calculate the overdue penalty supplementary funding, containing multiple stage sub-tasks, each of which is independent and can be executed without dependencies.

[0069] Specifically, the system retrieves the first type of supplementary funding determination model that matches the custom repayment plan. It then breaks down the task using a pipelined parallel approach, balancing dependencies between periods with parallel efficiency. Based on the retrieved period details, the system constructs two processing tasks: a third type and a fourth type. The third type of task contains multiple sequential subtasks, which must be executed sequentially because the principal for the next period needs to be obtained from the calculation results of the previous period, creating a clear dependency. The fourth type of task contains multiple stage subtasks, which are independent of each other and only depend on the results of the corresponding period's third type of task; they can be executed independently.

[0070] S330. Assign a first execution thread and a second execution thread to the third type of processing task and the fourth type of processing task respectively, wherein the first execution thread and the second execution thread execute in parallel.

[0071] The first execution thread is specifically assigned to the third type of processing tasks. It is responsible for sequentially executing each sub-task, calculating normal interest, and storing it in the cache. The second execution thread is specifically assigned to the fourth type of processing tasks. It is responsible for executing each stage of sub-tasks in parallel and calculating overdue-related additional funds.

[0072] Accordingly, when allocating execution threads and calculating target additional funds, the system will allocate the first execution thread for the third type of processing task and the second execution thread for the fourth type of processing task through the thread pool. These two threads will execute in parallel to maximize the utilization of computing resources.

[0073] S340. The first execution thread calls the additional funds determination interface based on the attribute information matching the target financial behavior, executes each sequential subtask in the third type of processing task, obtains the first type of additional funds, and stores the first type of additional funds in the cache.

[0074] Specifically, the first execution thread first collects various attribute information matching the target financial behavior, including principal for each period, interest start date, interest end date, interest rate type, and current system time. Then, it calls the additional funds determination interface and sequentially executes each subtask in the third type of processing task. During execution, the thread uses the current principal as the base, the interest start date as the start time of the current period, and the interest end date as the smaller value between the current end date and the current system time to calculate the first type of additional funds for each period, while simultaneously obtaining the principal required for the next period. After completing the calculation of each subtask, the thread stores the first type of additional funds for that period in a cache and updates the principal parameters for the next period, preparing for the execution of subsequent subtasks.

[0075] S350. When the second execution thread determines that the conditions for determining the second type of additional funds are met, the additional funds determination interface is called to execute each stage subtask in the fourth type of processing task to obtain the second type of additional funds.

[0076] Meanwhile, the second execution thread will run synchronously and in parallel. The second execution thread will continuously monitor whether the conditions for determining the second type of additional funds are met in each period. If they are met, it means that there is an overdue payment in that period, and the penalty funds need to be calculated.

[0077] Optionally, when the second execution thread determines that the conditions for determining the second type of additional funds are met, the additional funds determination interface is called to execute each stage subtask in the fourth type of processing task to obtain the second type of additional funds. This includes: obtaining the current system time through the second execution thread, and when it is determined that the conditions for determining the second type of additional funds are met based on the current system time, executing each stage subtask in the fourth type of processing task, extracting key attribute information for determining the penalty amount from various attribute information, and calling the additional funds determination interface again based on the key attribute information to obtain the second type of additional funds.

[0078] Specifically, the second execution thread actively obtains the current system time and checks whether it meets the conditions for determining the second type of additional funds. That is, whether the current system time is greater than the end date of the corresponding period. If it does, it indicates that the period is overdue, and the penalty amount calculation process needs to be initiated. After confirming that the conditions are met, the second execution thread will sequentially execute operations for each stage subtask in the fourth type of processing task. When executing each stage subtask, the thread extracts key attribute information for determining the penalty amount from various attribute information related to that period. Key attribute information includes parameters such as the first type of additional funds for that period obtained through caching, the end date of that period, the current system time, and the overdue interest rate type, ensuring compliance with the calling specifications of the additional funds determination interface. Finally, the second execution thread passes the extracted key attribute information to the additional funds determination interface. The interface will perform calculations according to the preset overdue interest and compound interest calculation logic, combined with the input parameters. The overdue interest and compound interest output by the interface together constitute the second type of additional funds corresponding to that stage subtask, completing the determination of the single-period overdue penalty funds. After all stage subtasks are executed, the second type of additional funds for all overdue periods can be obtained.

[0079] S360. Merge the first and second types of additional funds in the cache to obtain the target additional funds determination result that matches the third and fourth types of processing tasks.

[0080] The technical solution of this invention addresses the dependency relationship between payment periods under customized repayment methods. By reading the payment period details, it separates the processing tasks into third and fourth categories, each carrying sequential subtasks and independent stage subtasks. Dedicated execution threads are allocated to these two types of tasks to achieve parallel operation, compressing the overall calculation time for additional funds and overcoming the bottleneck of serial computation. The first thread sequentially calculates and caches the first type of additional funds, while the second thread synchronously determines the conditions and executes the stage subtasks, efficiently resolving the dependency issue of overdue additional funds on normal additional funds. The dual threads perform their respective functions, and data is shared through caching, reducing thread scheduling and data interaction overhead, improving system resource utilization, and enabling rapid response even when multiple payment requests are processed concurrently. This meets the requirement for real-time generation of payment forms and comprehensively optimizes the calculation efficiency of additional funds under dependent repayment methods.

[0081] Example 4 Figure 5 This is a schematic diagram of the structure of an automatic financial form generation device provided in Embodiment 4 of the present invention. Figure 5 As shown, the device includes: a historical fund repayment record acquisition module 410, which is used to call the financial terminal interface to obtain historical fund repayment records that match the target financial object in response to the fund clearing request of the target financial object for the target financial behavior; The initial form generation module 420 is used to initially fill in the fund settlement form template based on historical fund repayment records to obtain the initial fund settlement form; The task set construction module 430 is used to identify the fund settlement method of the target financial object, obtain the additional fund determination model that matches the fund settlement method, and use the additional fund determination model to construct a task set that matches the fund settlement method; wherein, the task set includes at least one processing task, and each processing task includes multiple sequential sub-tasks or multiple independent stage sub-tasks that need to be executed sequentially. The target additional funding determination module 440 is used to allocate at least one execution thread to each processing task in the processing task set, and then obtain the task determination result that matches each processing task by calling the additional funding determination interface within each execution thread, and obtain the target additional funding determination result based on the task determination result. The fund settlement form generation module 450 is used to fill in the initial fund settlement form based on the target additional funds determination result, obtain the fund settlement form, and push the fund settlement form to the target financial object for display through the human-computer interaction interface.

[0082] Optionally, the task set construction module 430 is used to: when the fund settlement method is identified as supplementary funds being repaid in a lump sum along with the original funds, obtain a first-type supplementary fund determination model, and construct a first-type processing task using the first-type supplementary fund determination model, the first-type processing task including multiple sequential sub-tasks; correspondingly, the target supplementary fund determination module 440 specifically includes: a lump sum repayment determination unit, used to: allocate an execution thread to the first-type processing task; through the execution thread, based on various attribute information matching the target financial behavior, call the supplementary fund determination interface, sequentially execute each sequential sub-task in the first-type processing task, obtain the first-type supplementary funds, and store the first-type supplementary funds in a cache; when the execution thread determines that the conditions for determining the second-type supplementary funds are met, call the supplementary fund determination interface again to obtain the second-type supplementary funds; merge the first-type supplementary funds and the second-type supplementary funds in the cache to obtain the target supplementary fund determination result matching the first-type processing task.

[0083] Optionally, the one-time payment determination unit is specifically used to: obtain the current system time through the execution thread, and when it is determined that the conditions for determining the second type of additional funds are met based on the current system time, extract the key attribute information used for determining the penalty amount from the various attribute information, and call the additional funds determination interface again based on the key attribute information to obtain the second type of additional funds.

[0084] Optionally, the task set construction module 430 is used to: when the irregular repayment method is identified, obtain the repayment plan configuration table input by the user, wherein the repayment plan configuration table includes the original funding amount for each period, the independent start time for each period, and the independent end time for each period; obtain the first type of additional funding determination model, and use the first type of additional funding determination model to construct multiple parallel second type of processing tasks based on the repayment plan configuration table, wherein the second type of processing tasks include multiple independent stage sub-tasks, and set a task completion flag for each stage sub-task; correspondingly, the target additional funding determination module 440 specifically includes: an irregular repayment determination form. The `yuan` is used for: allocating independent execution threads to each of the second-type processing tasks; calling the additional funds determination interface through each execution thread based on the attribute information matching the target financial behavior, executing each stage subtask in the second-type processing task in parallel to obtain the first-type additional funds, and storing the first-type additional funds in the cache; when the execution thread determines that the conditions for determining the second-type additional funds are met and the task completion flag is set to completion, calling the additional funds determination interface again to obtain the second-type additional funds; merging the first-type and second-type additional funds in the cache to obtain the target additional funds determination result matching the second-type processing task.

[0085] Optionally, the irregular repayment determination unit is specifically used to: obtain the current system time through the execution thread, and when it is determined that the conditions for determining the second type of additional funds are met based on the current system time and the task completion flag is completed, extract the key attribute information used for determining the penalty amount from various attribute information, and call the additional funds determination interface again based on the key attribute information to obtain the second type of additional funds.

[0086] Optionally, the task set construction module 430 is used to: when the fund settlement method is identified as a custom repayment, read the details of each period of the target financial object from the initial fund settlement form; obtain the first type of additional fund determination model, and use the first type of additional fund determination model to construct a third type of processing task and a fourth type of processing task based on the period details. The third type of processing task includes multiple sequential sub-tasks that need to be executed in sequence, and the fourth type of processing task includes multiple stage sub-tasks. Correspondingly, the target additional fund determination module 440 specifically includes: a custom repayment determination unit, used to: allocate a first execution thread and a second execution thread to the third type of processing task and the fourth type of processing task, respectively. The first and second execution threads execute in parallel. The first execution thread calls the additional funds determination interface based on the attribute information matching the target financial behavior, and executes each sequential subtask in the third type of processing task to obtain the first type of additional funds, which are then stored in a cache. When the second execution thread determines that the conditions for determining the second type of additional funds are met, it calls the additional funds determination interface to execute each stage subtask in the fourth type of processing task to obtain the second type of additional funds. The first and second types of additional funds in the cache are then merged to obtain the target additional funds determination result that matches the third and fourth types of processing tasks.

[0087] Optionally, a custom repayment determination unit is used to: obtain the current system time through the second execution thread, and when it is determined that the conditions for determining the second type of additional funds are met based on the current system time, execute each stage subtask in the fourth type of processing task respectively, extract the key attribute information for determining the penalty amount from the various attribute information, and call the additional funds determination interface again based on the key attribute information to obtain the second type of additional funds.

[0088] The technical solution of this invention generates an initial quotation by obtaining the loan account's period details, accumulated principal, and historical interest. It then performs differentiated calculations based on repayment methods. Using a "interest-as-principal" approach, the target loan account is treated as a single calculation group for phased calculations. Irregular repayment methods are grouped and calculated in parallel using topological sorting, with flags used to decouple dependencies. Other repayment methods employ pipelined parallelism and queued data transfer. Through phased, parallel computation and dependency decoupling, computational efficiency and resource utilization are improved, meeting real-time quotation requirements.

[0089] The automatic financial form generation device provided in this embodiment of the invention can execute the automatic financial form generation method provided in any embodiment of the invention, and has the corresponding functional modules and beneficial effects of the method execution.

[0090] Example 5 Figure 6 A schematic diagram of an electronic device 10 that can be used to implement embodiments of the present invention is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital assistants, cellular phones, smartphones, wearable devices (e.g., helmets, glasses, watches, etc.), and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely illustrative and are not intended to limit the implementation of the invention described and / or claimed herein.

[0091] like Figure 6 As shown, the electronic device 10 includes at least one processor 11 and a memory, such as a read-only memory (ROM) 12 or a random access memory (RAM) 13, communicatively connected to the at least one processor 11. The memory stores computer programs executable by the at least one processor. The processor 11 can perform various appropriate actions and processes based on the computer program stored in the ROM 12 or loaded from storage unit 18 into the RAM 13. The RAM 13 can also store various programs and data required for the operation of the electronic device 10. The processor 11, ROM 12, and RAM 13 are interconnected via a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0092] Multiple components in electronic device 10 are connected to I / O interface 15, including: input unit 16, such as keyboard, mouse, etc.; output unit 17, such as various types of displays, speakers, etc.; storage unit 18, such as disk, optical disk, etc.; and communication unit 19, such as network card, modem, wireless transceiver, etc. Communication unit 19 allows electronic device 10 to exchange information / data with other devices through computer networks such as the Internet and / or various telecommunications networks.

[0093] Processor 11 can be a variety of general-purpose and / or special-purpose processing components with processing and computing capabilities. Some examples of processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special-purpose artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any suitable processor, controller, microcontroller, etc. Processor 11 performs the various methods and processes described above, such as a method for automatically generating financial forms.

[0094] In some embodiments, a method for automatically generating financial forms may be implemented as a computer program tangibly contained in a computer-readable storage medium, such as storage unit 18. In some embodiments, part or all of the computer program may be loaded and / or installed on electronic device 10 via ROM 12 and / or communication unit 19. When the computer program is loaded into RAM 13 and executed by processor 11, one or more steps of the method for automatically generating financial forms described above may be performed. Alternatively, in other embodiments, processor 11 may be configured to perform a method for automatically generating financial forms by any other suitable means (e.g., by means of firmware).

[0095] Various embodiments of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field-programmable gate arrays (FPGAs), application-specific integrated circuits (ASICs), application-specific standard products (ASSPs), systems-on-a-chip (SoCs), payload-programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments may include implementations in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which may be a dedicated or general-purpose programmable processor, capable of receiving data and instructions from a storage system, at least one input device, and at least one output device, and transmitting data and instructions to the storage system, the at least one input device, and the at least one output device.

[0096] Computer programs used to implement the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, such that when executed by the processor, the computer programs cause the functions / operations specified in the flowcharts and / or block diagrams to be performed. The computer programs may be executed entirely on a machine, partially on a machine, or as a standalone software package, partially on a machine and partially on a remote machine, or entirely on a remote machine or server.

[0097] In the context of this invention, a computer-readable storage medium can be a tangible medium that may contain or store a computer program for use by or in conjunction with an instruction execution system, apparatus, or device. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, apparatus, or devices, or any suitable combination thereof. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. More specific examples of machine-readable storage media include electrical connections based on one or more wires, portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fibers, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof.

[0098] To provide interaction with a user, the systems and techniques described herein can be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user provides input to the electronic device. Other types of devices can also be used to provide interaction with the user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including sound input, voice input, or tactile input).

[0099] The systems and technologies described herein can be implemented in computing systems that include backend components (e.g., as data servers), or middleware components (e.g., application servers), or frontend components (e.g., user computers with graphical user interfaces or web browsers through which users can interact with implementations of the systems and technologies described herein), or any combination of such backend, middleware, or frontend components. The components of the system can be interconnected via digital data communication of any form or medium (e.g., communication networks). Examples of communication networks include local area networks (LANs), wide area networks (WANs), blockchain networks, and the Internet.

[0100] A computing system can include clients and servers. Clients and servers are generally located far apart and typically interact through communication networks. The client-server relationship is created by computer programs running on the respective computers and having a client-server relationship with each other. The server can be a cloud server, also known as a cloud computing server or cloud host, which is a hosting product within the cloud computing service system. It addresses the shortcomings of traditional physical hosts and VPS services, such as high management difficulty and weak business scalability.

[0101] It should be understood that the various forms of processes shown above can be used, with steps reordered, added, or deleted. For example, the steps described in this invention can be executed in parallel, sequentially, or in different orders, as long as the desired result of the technical solution of this invention can be achieved, and this is not limited herein.

[0102] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can be made according to design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A method for automatically generating financial forms, characterized in that, include: In response to a fund payment request from a target financial entity for a target financial activity, the financial terminal interface is invoked to obtain historical fund payment records that match the target financial entity. The initial fund settlement form template is populated with historical fund repayment records to obtain the initial fund settlement form. Identify the fund settlement method of the target financial object, obtain an additional fund determination model that matches the fund settlement method, and use the additional fund determination model to construct a set of processing tasks that matches the fund settlement method; wherein, the set of processing tasks includes at least one processing task, and each processing task includes multiple sequential sub-tasks or multiple independent stage sub-tasks that need to be executed sequentially. After allocating at least one execution thread to each processing task in the processing task set, the task determination result matching each processing task is obtained by calling the additional funds determination interface within each execution thread, and the target additional funds determination result is obtained based on the task determination result. Based on the determination of the target additional funds, the initial fund settlement form is filled in to obtain the fund settlement form, and the fund settlement form is pushed to the target financial object for display through the human-computer interaction interface.

2. The method according to claim 1, characterized in that, Identify the payment method of the target financial entity, obtain an additional funding determination model matching the payment method, and use the additional funding determination model to construct a set of processing tasks matching the payment method, including: When it is identified that the fund settlement method is that the additional funds are paid in a lump sum along with the original funds, the first type of additional fund determination model is obtained, and the first type of additional fund determination model is used to construct a first type of processing task, which includes multiple sequential sub-tasks. Accordingly, after allocating at least one execution thread to each processing task in the processing task set, the task determination result matching each processing task is obtained by calling the additional funds determination interface within each execution thread. Based on the task determination result, the target additional funds determination result is obtained, including: Allocate an execution thread for the first type of processing task; The execution thread calls the additional funds determination interface based on the attribute information matching the target financial behavior, sequentially executes each subtask in the first type of processing task, obtains the first type of additional funds, and stores the first type of additional funds in the cache. When the execution thread determines that the conditions for determining the second type of additional funds are met, it calls the additional funds determination interface again to obtain the second type of additional funds. The first and second types of additional funds in the cache are merged to obtain the target additional funds determination result that matches the first type of processing task.

3. The method according to claim 2, characterized in that, When the execution thread determines that the conditions for determining the second type of additional funds are met, it calls the additional funds determination interface again to obtain the second type of additional funds, including: The execution thread obtains the current system time, and when it is determined that the conditions for determining the second type of additional funds are met based on the current system time, it extracts the key attribute information used to determine the penalty amount from the various attribute information, and calls the additional funds determination interface again based on the key attribute information to obtain the second type of additional funds.

4. The method according to claim 1, characterized in that, Identify the payment method of the target financial entity, obtain an additional funding determination model matching the payment method, and use the additional funding determination model to construct a set of processing tasks matching the payment method, including: When it is identified that the fund repayment method is irregular repayment, the user-input repayment plan configuration table is obtained, wherein the repayment plan configuration table includes the original fund amount for each period, the independent start time for each period, and the independent end time for each period; Obtain the first type of additional funding determination model, and use the first type of additional funding determination model to construct multiple parallel second type of processing tasks based on the repayment plan configuration table. The second type of processing tasks include multiple independent stage sub-tasks, and set a task completion identifier for each stage sub-task. Accordingly, after allocating at least one execution thread to each processing task in the processing task set, the task determination result matching each processing task is obtained by calling the additional funds determination interface within each execution thread. Based on the task determination result, the target additional funds determination result is obtained, including: Each of the second type of processing tasks is assigned an independent execution thread; Each execution thread calls the additional funds determination interface based on the attribute information matching the target financial behavior, executes each stage subtask in the second type of processing task in parallel, obtains the first type of additional funds, and stores the first type of additional funds in the cache. When the execution thread determines that the conditions for determining the second type of additional funds are met and the task completion flag is set to complete, the additional funds determination interface is called again to obtain the second type of additional funds. The first and second types of additional funds in the cache are merged to obtain the target additional funds determination result that matches the second type of processing task.

5. The method according to claim 4, characterized in that, When the execution thread determines that the conditions for determining the second type of additional funds are met and the task completion flag is set to complete, the additional funds determination interface is called again to obtain the second type of additional funds, including: The execution thread obtains the current system time, and when it is determined that the conditions for determining the second type of additional funds are met based on the current system time and the task completion flag is set to complete, it extracts the key attribute information used to determine the penalty amount from the various attribute information, and calls the additional funds determination interface again based on the key attribute information to obtain the second type of additional funds.

6. The method according to claim 1, characterized in that, Identify the payment method of the target financial entity, obtain an additional funding determination model matching the payment method, and use the additional funding determination model to construct a set of processing tasks matching the payment method, including: When the fund settlement method is identified as a custom repayment method, the details of each period of the target financial object are read from the initial fund settlement form; Obtain the first type of additional funding determination model, and use the first type of additional funding determination model to construct a third type of processing task and a fourth type of processing task based on the period details. The third type of processing task includes multiple sequential sub-tasks that need to be executed in sequence, and the fourth type of processing task includes multiple stage sub-tasks. Accordingly, after allocating at least one execution thread to each processing task in the processing task set, the task determination result matching each processing task is obtained by calling the additional funds determination interface within each execution thread. Based on the task determination result, the target additional funds determination result is obtained, including: A first execution thread and a second execution thread are respectively assigned to the third type of processing task and the fourth type of processing task, wherein the first execution thread and the second execution thread are executed in parallel; The first execution thread calls the additional funds determination interface based on the attribute information matching the target financial behavior, executes each sequential subtask in the third type of processing task, obtains the first type of additional funds, and stores the first type of additional funds in the cache. When the second execution thread determines that the conditions for determining the second type of additional funds are met, it calls the additional funds determination interface and executes each stage subtask in the fourth type of processing task to obtain the second type of additional funds. The first and second types of additional funds in the cache are merged to obtain the target additional funds determination results that match the third and fourth types of processing tasks.

7. The method according to claim 6, characterized in that, When the second execution thread determines that the conditions for determining the second type of additional funds are met, it calls the additional funds determination interface to execute each stage subtask in the fourth type of processing task to obtain the second type of additional funds, including: The second execution thread obtains the current system time, and when it is determined that the conditions for determining the second type of additional funds are met based on the current system time, it executes each stage subtask in the fourth type of processing task, extracts the key attribute information for determining the penalty amount from the attribute information, and calls the additional funds determination interface again based on the key attribute information to obtain the second type of additional funds.

8. An electronic device, characterized in that, The electronic device includes: At least one processor; and a memory communicatively connected to the at least one processor; The memory stores a computer program that can be executed by the at least one processor, the computer program being executed by the at least one processor to enable the at least one processor to perform the method of any one of claims 1-7.

9. A computer storage medium, characterized in that, The computer storage medium stores computer instructions that are used to cause a processor to execute the method of any one of claims 1-7.

10. A computer program product, characterized in that, The computer program product includes a computer program that, when executed by a processor, implements the method according to any one of claims 1-7.

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