CN114819937A - Repayment cancellation method, apparatus, computer program product and storage medium - Google Patents

Abstract

The invention provides a repayment revocation method, a device, a computer program product and a storage medium, wherein the method comprises the following steps: receiving a repayment cancellation application; judging whether the repayment amount corresponding to the repayment cancellation application is successfully posted or not; and in response to the fact that the repayment amount corresponding to the repayment cancellation application is not successfully credited, performing rollback operation on the expense items to be cancelled according to the repayment mode of the expense items to be cancelled covered by the repayment amount. The method provided by the invention realizes the repayment cancellation requirements of various complex account entry modes through the repayment mode of the expense items to be cancelled, and improves the repayment cancellation efficiency.

Description

Repayment cancellation method, apparatus, computer program product and storage medium

technical field

The present invention relates to the field of computer technology, and in particular, to a method, device, computer program product and storage medium for repayment revocation.

Background technique

In the financial system, if the customer requests to revoke a certain repayment amount, or the repayment information is wrong due to improper operation of the business personnel, etc., the repayment amount needs to be revoked. In the actual process, the repayment amount of the customer may have been recorded in the system, or the repayment amount may not have been recorded in the system, but there is a strong dependency between the expense items involved in the repayment amount, especially in different expense items. When different repayment methods are used to complete the repayment operation independently of each other, once there is a cancellation, it is extremely difficult for the accounting system to ensure reliability and to take into account the timeliness.

At present, there are two methods for repayment revocation. The first one is the reversal and reversal mode based on the repayment principal and interest method, that is, when the repayment principal is revoked, the financial system will automatically refund the corresponding interest. Rolling; the second method is to use manual intervention, that is, technicians modify the underlying data of the financial system, and business personnel process it after manual verification.

However, in the first method, for other related expense items with strong dependencies, the financial system cannot handle them well and cannot meet the business needs of the financial system; in the second method, manual intervention is used to modify the financial system. Transaction data has extremely high potential legal compliance risks, cannot meet the repayment and revocation needs of various complex accounting methods, and the efficiency of repayment revocation is low.

SUMMARY OF THE INVENTION

The present invention provides a method, device, computer program product and storage medium for repayment revocation, which are used to solve the problems of repayment revocation that cannot meet various complicated account entry methods in the prior art, and the defect of low repayment revocation efficiency, and realizes multiple The demand for repayment and revocation of complex account entry methods improves the efficiency of repayment and revocation.

The present invention provides a repayment revocation method, the method comprising:

Receive repayment cancellation applications;

Determine whether the repayment amount corresponding to the repayment cancellation application has been successfully entered into the account;

In response to the repayment amount corresponding to the repayment cancellation application not being successfully recorded in the account, a rollback operation is performed on the to-be-cancelled fee item according to the repayment method of the to-be-cancelled fee item covered by the repayment amount.

According to a repayment cancellation method provided by the present invention, the repayment method includes at least one of the following: real-time credit, non-real-time credit, there is a deduction or offset amount, and there is no deduction or offset amount;

The revocation type corresponding to the repayment application revocation includes revocation based on repayment amount or revocation based on expense item.

According to a repayment cancellation method provided by the present invention, the repayment method of the to-be-cancelled fee item covered by the repayment amount corresponding to the repayment cancellation application is performed to roll back the to-be-cancelled fee item, including: :

In response to the revocation type being revocation by repayment amount, then:

Roll back all the repayment methods covered by the repayment amount that are to be revoked in real time;

For all repayment methods covered by the repayment amount that are not real-time credited to the account, and there are to-be-revoked expense items that are deducted or offset, perform a rollback operation;

All repayment methods covered by the repayment amount are non-real-time credit, and there are no to-be-revoked expense items for deductions and offsets, and a rollback operation is performed.

According to a repayment cancellation method provided by the present invention, the repayment method of the to-be-cancelled fee item covered by the repayment amount corresponding to the repayment cancellation application is performed to roll back the to-be-cancelled fee item, including: :

In response to the revocation type being revocation by fee item, and the repayment method of the fee item to be revoked specified in the repayment revocation application is real-time credit, perform a rollback operation on the fee item to be revoked; or,

In response to the cancellation type corresponding to the repayment cancellation application being cancellation by fee item, and the repayment method of the to-be-cancelled fee item specified in the repayment cancellation application is non-real-time credit to the account, determine whether the to-be-cancelled fee item exists Amount of deduction or offset; if there is a deduction or offset amount for the fee item to be cancelled, the rollback operation is performed on the fee item to be cancelled; if there is no reduction, exemption or offset amount for the fee item to be cancelled, Undo the charge item for rollback.

According to a repayment revocation method provided by the present invention, the method further includes:

In response to that the revocation type is revocation by fee item, and the repayment method of the fee item to be revoked specified in the repayment revocation application is non-real-time credit, if the calculation of the fee item to be revoked does not depend on the fee item, then Perform a rollback operation on the to-be-revoked fee item; or,

If the calculation of the fee item to be cancelled depends on the target fee item, then based on the fee item calculation method of the fee item to be cancelled and the target fee item, determine the refund amount of the fee item to be cancelled, and refund Refund the refundable amount of the to-be-cancelled fee item.

According to a repayment revocation method provided by the present invention, the method further includes:

In response to the repayment amount corresponding to the repayment cancellation application being successfully entered into the account, a rollback operation is performed on the repayment amount.

According to a repayment revocation method provided by the present invention, all repayment methods covered by the repayment amount are non-real-time credited to the account, and there are expense items to be revoked for the reduced or offset amount, and a rollback operation is performed, including: :

For all repayment methods covered by the repayment amount that are not real-time credited to the account, and there are all to-be-cancelled fee items for the deduction or offset amount, roll back the to-be-cancelled fee items covered first by the repayment amount;

Determine whether there are to-be-cancelled expense items that have not been rolled back, offset or reduced;

If there is a to-be-cancelled expense item that has not been rolled back for the offset or deduction amount, according to the order of the expense item covered by the repayment amount and the debit relationship, and based on the principle of rolling back the expense item covered first, roll back the to-be-revoked expense item Charges until all pending chargebacks with offsets or credits are rolled back.

The present invention also provides a repayment revocation device, the device comprising:

The receiving module is used to receive the repayment cancellation application;

a first judging module, configured to judge whether the repayment amount corresponding to the repayment cancellation application is successfully entered into the account;

The first rollback module is configured to, in response to that the repayment amount corresponding to the repayment cancellation application has not been successfully entered into the account, perform a repayment procedure on the to-be-cancelled fee item according to the repayment method of the to-be-cancelled fee item covered by the repayment amount. Rollback operation.

The present invention also provides a computer program product, comprising a computer program/instruction, when the computer program/instruction is executed by a processor, the steps of any one of the repayment revocation methods described above are implemented.

The present invention also provides a non-transitory computer-readable storage medium on which a computer program is stored, and when the computer program is executed by a processor, implements the steps of any one of the repayment revocation methods described above.

The repayment cancellation method provided by the present invention determines whether the repayment amount corresponding to the repayment cancellation application has been successfully entered into the account by receiving the repayment cancellation application; The repayment method of the to-be-cancelled expense item is rolled back. Through the repayment method of the to-be-cancelled expense item, the repayment revocation requirements of a variety of complex account entry methods are realized, and the efficiency of repayment revocation is improved.

Description of drawings

In order to explain the present invention or the technical solutions in the prior art more clearly, the following will briefly introduce the accompanying drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are the For some embodiments of the invention, for those of ordinary skill in the art, other drawings can also be obtained according to these drawings without any creative effort.

Fig. 1 is one of the schematic flow charts of the repayment revocation method provided by the present invention;

Fig. 2 is the second schematic flow chart of the repayment revocation method provided by the present invention;

Fig. 3 is the third schematic flow chart of the repayment revocation method provided by the present invention;

Fig. 4 is the fourth schematic flow chart of the repayment revocation method provided by the present invention;

5 is a schematic structural diagram of a repayment cancellation device provided by the present invention;

FIG. 6 is a schematic structural diagram of an electronic device provided by the present invention.

Detailed ways

In order to make the objectives, technical solutions and advantages of the present invention clearer, the technical solutions in the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are part of the embodiments of the present invention. , not all examples. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

The method for repayment revocation provided by the present invention will be described in detail below with reference to the accompanying drawings through some embodiments and application scenarios thereof.

The repayment revocation method provided by the present invention can be applied to the repayment revocation scenario of multiple complex account entry methods in repayment transactions, receiving repayment revocation applications; determining the repayment revocation application corresponding to the repayment revocation application Whether the repayment amount is successfully entered into the account; in response to the repayment amount corresponding to the repayment cancellation application not being successfully entered into the account, the to-be-cancelled expense item is rolled back according to the repayment method of the to-be-cancelled expense item covered by the repayment amount operate. The repayment revocation method provided by the present invention realizes the repayment revocation requirements of various complicated account entry methods through the repayment method of the to-be-revoked expense item, and improves the repayment revocation efficiency.

Fig. 1 is one of the schematic flow charts of the repayment cancellation method provided by the present invention. As shown in Fig. 1 , the method includes steps 110-130, wherein:

Step 110: Receive an application for repayment cancellation.

It should be noted that the repayment revocation method provided by the present invention can be applied to scenarios of repayment revocation in a repayment transaction involving multiple complex account entry methods. The execution subject of the repayment revocation method provided by the present invention may be a repayment revocation device, such as an electronic device, or a control module in the repayment revocation device for executing the repayment revocation method.

Optionally, the repayment revocation application represents a revocation application for the repayment amount.

It can be understood that the repayment cancellation application is a cancellation application for the repayment operation that has been completed. If the repayment operation is not completed, the repayment cancellation application cannot be submitted.

Step 120, judging whether the repayment amount corresponding to the repayment cancellation application is successfully entered into the account.

Step 130: In response to the repayment amount corresponding to the repayment cancellation application not being successfully recorded in the account, roll back the to-be-cancelled fee item according to the repayment method of the to-be-cancelled fee item covered by the repayment amount.

Optionally, the repayment method includes at least one of the following: real-time credit, non-real-time credit, there is a deduction or offset amount, and there is no deduction and offset amount; the revocation type corresponding to the repayment application includes: Cancellation by payment amount or by fee item.

Specifically, in response to the repayment amount corresponding to the repayment cancellation application not being successfully entered into the account, according to the repayment method of the to-be-cancelled expense item covered by the repayment amount, that is, the to-be-cancelled expense item includes real-time arrival, non-real-time arrival, existing Reduction or offset amount, and there is no such thing as at least one circumstance, such as deduction or offset amount, roll back the fee item to be revoked; among them, rollback means to change the status of the fee item to be revoked covered by the repayment amount, roll back Operation indicates the operation performed on the to-be-cancelled fee item covered by the repayment amount corresponding to the repayment cancellation application. After the repayment amount corresponding to the repayment cancellation application is returned, the status of the to-be-cancelled fee item covered by the repayment amount Change; Refund means refund the repayment amount corresponding to the charge item to be cancelled.

It should be noted that after the repayment amount is returned, the status of the to-be-cancelled fee item covered by the repayment amount will also change; for example, the status of the to-be-cancelled fee item changes from "repaid" to "unpaid" .

The repayment cancellation method provided by the present invention determines whether the repayment amount corresponding to the repayment cancellation application has been successfully entered into the account by receiving the repayment cancellation application. The repayment method of the to-be-cancelled expense item is rolled back. Through the repayment method of the to-be-cancelled expense item, the repayment revocation requirements of a variety of complex account entry methods are realized, and the efficiency of repayment revocation is improved.

Optionally, the revocation type corresponding to the repayment revocation application may include revocation based on repayment amount or revocation based on fee item.

The above revocation types are described below:

1. Cancellation according to the repayment amount

In response to the revocation type being revocation based on the repayment amount, then: perform a rollback operation on all the repayment methods covered by the repayment amount that are to be revoked in real time and arrive at the account; If the repayment method is non-real-time arrival, and there is a deduction or offset amount to be cancelled, the rollback operation is performed; all repayment methods covered by the repayment amount are non-real-time arrival, and there is no reduction or offset. The amount of the to-be-revoked fee item is rolled back.

It should be noted that revocation by repayment amount means revocation based on the repayment amount at the time of repayment; revocation by expense item means revocation based on all or part of the expense items covered by the repayment amount at the time of repayment.

1) Roll back all the repayment methods covered by the repayment amount that are to be cancelled in real time, that is, directly refund and roll back the fees to be cancelled that arrive in the account in real time.

For example, if the repayment amount is 1 million yuan, all the expenses covered by the repayment amount include guarantee service fees, interest and penalty interest; if the repayment amount covers guarantee service fees, interest and penalty interest and other expenses, all repayment methods For real-time payment, or all repayment methods of guarantee service fee and interest and other expenses are real-time arrival, and the repayment method of penalty interest and other expenses is non-real-time arrival, then the guarantee service fee and Expenses such as interest are directly refunded and rolled back.

2) For all repayment methods covered by the repayment amount that are not real-time credited to the account, and there are to-be-cancelled expense items that are deducted or offset, roll back.

Specifically, all repayment methods covered by the repayment amount are not real-time credited to the account, and there are all to-be-cancelled fee items for the deduction or offset amount, and roll back the to-be-cancelled fee items first covered by the repayment amount; Determine whether there are any to-be-cancelled expense items for which the offset or deduction amount has not been rolled back; if there are pending expense items for which the offset or deduction amount has not been rolled back, the order of the expense items covered by the repayment amount and the deduction relationship will be based on the first The covered fee items are rolled back first, and the to-be-cancelled fee items are rolled back until all the to-be-cancelled fee items with offsets or deductions have been rolled back.

Among them, the debit relationship indicates that the repayment amount is divided into multiple parts, each part corresponds to an expense item, and the relationship exists between the parts. For example, the repayment amount is 70 yuan, and the repayment amount is divided into three parts: principal, interest and penalty interest. Among them, the principal is 40 yuan, the interest is 20 yuan, the penalty interest is 10 yuan, and the penalty interest is based on the unpaid principal. and interest as the base, or calculated based on the unpaid principal; when the repayment amount is split, the principal is split first, that is, the principal is paid first. At this time, the calculation base of the penalty interest changes, and the penalty interest Changes have also occurred; if only the interest is split when the repayment amount is split, the penalty interest may remain unchanged. The specific situation is more complicated and needs to be set according to the definition of the system.

For example, if the repayment amount is 1 million, the expenses covered by the repayment amount include the guarantee service fee, interest and penalty interest, and the guarantee service fee, interest and penalty interest are not received in real time. It is the guarantee service fee, interest, and penalty interest; the inter-account relationship is: the interest is calculated based on the outstanding guarantee service fee and penalty interest as the base, and the penalty interest is calculated based on the outstanding guarantee service fee and interest; interest There is a deduction and exemption amount, the guarantee service fee has an offset amount, and there is no deduction and offset amount for the penalty interest.

For the guarantee service fee and interest waiting to be cancelled, the guarantee service fee shall be rolled back first according to the order of the guarantee service fee and interest covered by the repayment amount and the relationship between the accounts at the time of repayment; it is judged whether there is an amount that has not been rolled back to offset or reduce the amount. The to-be-cancelled fee item, because the guarantee service fee with offset or deduction amount has been rolled back at this time, and the interest of the offset or deduction amount has not been rolled back, and then the interest will be rolled back; judge again whether there is an offset that has not been rolled back At this time, all the to-be-cancelled fee items with the deduction or offset amount will be rolled back; then, roll back the penalty interest for which there is no deduction or offset amount, that is, the repayment amount will be overwritten. The status of the penalty interest will be changed and the amount refunded.

3) All repayment methods covered by the repayment amount are non-real-time credit, and there are no to-be-cancelled expense items for deductions and offsets, and the rollback operation is performed according to the to-be-cancelled expense items, that is, all expenses covered by the repayment amount The status of the item is changed and the amount receivable is rolled back.

2. Cancellation according to expenses

1) In response to the revocation type being revocation by fee item, and the repayment method of the fee item to be revoked specified in the repayment revocation application is real-time credit, perform a rollback operation on the fee item to be revoked; or,

2) In response to the revocation type being revocation by fee item and the repayment method of the fee item to be revoked specified in the repayment revocation application is non-real-time credit, determine whether the fee item to be revoked has a deduction or offset Amount; if there is a deduction or offset amount for the to-be-cancelled fee item, roll back the to-be-cancelled fee item; perform a rollback operation; or,

3) In response to the revocation type being revocation by fee item and the repayment method of the fee item to be revoked specified in the repayment revocation application is non-real-time credit, if the calculation of the fee item to be revoked does not depend on the fee If the fee item to be revoked depends on the target fee item, the fee item calculation method based on the fee item to be revoked and the target fee item, determine the refundable amount of the fee item to be revoked, and the refundable amount of the fee item to be revoked.

Specifically, in response to the revocation type corresponding to the repayment revocation application being revocation by fee item, and the repayment method of the to-be-revoked fee item specified in the repayment revocation application is real-time credit, the to-be-revoked fee item is directly rolled back; For example, the to-be-cancelled fee items specified in the repayment cancellation application are the guarantee service fee and interest. If any of the to-be-cancelled fee items in the guarantee service fee and interest is received in real time, or both are received in real time, the real-time payment The fee item to be revoked is directly refunded and the status of the fee item to be revoked is changed.

In response to the repayment method of the to-be-cancelled fee item specified in the repayment cancellation application being non-real-time credit, determine whether there is a deduction or offset amount for the to-be-cancelled fee item; Offset or reduction or exemption rules for the item, calculate the refundable amount of the fee item to be cancelled, refund the offset or reduction amount in the fee item to be cancelled, and then continue to judge whether there is a reduction or exemption or offset amount for the next fee item to be cancelled, if so Reduction or offset amount, continue to calculate the refundable amount of the fee item to be cancelled according to the offset or reduction rules of the fee item to be cancelled, and refund the offset or reduction amount in the fee item to be cancelled until the fee item to be cancelled If there is no offset or deduction amount in the to-be-cancelled fee item, the status of the to-be-cancelled fee item will be changed; if there is no offset or deduction amount in the to-be-cancelled fee item, the to-be-cancelled fee item will be rolled back according to the fee item, that is, the status of the to-be-cancelled fee item Make changes and roll back amounts receivable.

For example, the fees to be cancelled specified in the repayment cancellation application are the guarantee service fee and interest. If there is an offset amount for the guarantee service fee and a deduction amount for the interest, the guarantee service fee offset rules and interest reduction rules are calculated separately. The refundable amount of the service fee and interest, the offset amount of the guarantee service fee and the deduction amount of the interest, until there is no offset or deduction amount in the to-be-cancelled fee item, and the status of the to-be-cancelled fee item is changed; When there is no offset and deduction amount for the guarantee service fee and interest, the guarantee service fee and interest shall be rolled back according to the expense item, that is, the status of the guarantee service fee and interest shall be changed and the receivable amount shall be refunded.

Optionally, the target fee item indicates that the fee item to be revoked depends on the fee item to be revoked other than the fee item to be revoked.

Specifically, in response to the revocation type being revocation by fee item, and the repayment method of the fee item to be revoked specified in the repayment revocation application is non-real-time credit, if the calculation of the fee item to be revoked does not depend on the fee item, that is, the fee to be revoked The processing logic of the items is independent, and there is no dependency between the to-be-revoked fee items, then the rollback operation is performed directly on the to-be-revoked fee items; If the logic is not independent, according to the expense item calculation method and target expense item of the expense item to be revoked, the refundable amount of the expense item to be revoked is calculated, and the refundable amount of the expense item to be revoked is refunded.

The following is an example to illustrate that the corresponding revocation type in response to the repayment revocation application is revocation by fee item, and the repayment method of the to-be-revoked fee item specified in the repayment revocation application is non-real-time credit, and the fee item to be revoked has a deduction or offset amount, If the calculation of the to-be-revoked fee item does not depend on the fee item, and the calculation of the to-be-revoked fee item depends on the target fee item, etc., the to-be-revoked fee item is rolled back.

For example, the time point before the repayment operation is T1, the time point after the repayment operation is completed is T2, and the repayment amount is M; the expenses covered by the repayment amount are <Fi, Fj, Fk, Fm, Fn, Fx, Fy, Fz>, the corresponding time point before the repayment operation is T1, and the repayment amount is {T1, <yhFi, yhFj, yhFk, yhFm, yhFn, yhFx, yhFy, yhFz>}, the corresponding time point after the repayment operation The repayment amount for T2 is {T2, <whFi, whFj, whFk, whFm, whFn, whFx, whFy, whFz>}; the calculation of the amount of whFx depends on {T1, <yhFi>}; the calculation of the amount of whFy depends on { T1, <yhFj, yhFk>}; there is a deduction or offset amount Mjc in the calculation of the amount of whFz; the repayment amount M covers all the repayable amounts of the expense items <Fi, Fj, Fk, Fm, Fn>, covering the expense item< The partial repayment amount of Fx, Fy, Fz>, namely M+Mjc=yhFi+yhFj+yhFk+yhFm+yhFn+(yhFx-whFx)+(yhFx-whFy)+(yhFx-whFz).

If the calculation of the to-be-cancelled fee items <Fi, Fj, Fk, Fm, Fn> specified in the repayment cancellation application does not depend on the fee items, that is, the processing logic between the to-be-cancelled fee items <Fi, Fj, Fk, Fm, Fn> If it is independent, the rollback operation is performed directly on the fee items to be revoked, that is, the repayment amount of the fee items to be revoked <Fi, Fj, Fk, Fm, Fn> is determined by {T2, <whFi, whFj, whFk, whFm, whFn} rolls back to {T1, <yhFi, yhFj, yhFk, yhFm, yhFn>}.

If the calculation of the to-be-cancelled fee items Fx and Fy specified in the repayment cancellation application depends on the target fee item, that is, the processing logic of the to-be-cancelled fee items Fx and Fy is not independent, the calculation of the amount of whFx depends on {T1, <yhFi>} ;The amount calculation of whFy depends on {T1, <yhFj, yhFk>}; then according to the time point T1, the amount {T1, <yhFi>}, and the fee calculation method of Fx, calculate the refund of the to-be-revoked fee item Fx Amount {T1, <yhFx>}, and refund the refundable amount of the fee item Fx to be revoked; according to the calculation method of the fee item to be revoked at time point T1, amount {T1, <yhFj, yhFk>}, Fy, calculate the fee item to be revoked The refundable amount {T1, <yhFy> of the fee item Fy, and the refundable amount of the fee item Fy to be cancelled.

If there is a deduction or offset amount for the to-be-cancelled fee item Fz specified in the repayment cancellation application, the refundable amount of the fee item Fz is calculated based on the time point T1, the deduction or offset amount Mjc, and the fee item reduction or offset rules for Fz { T1, <yhFz>}, and roll back the refundable amount {T1, <yhFz>} of the fee item Fz to be revoked, roll back the fee item Fz to be revoked, change the status of the fee item to be revoked and the rollback response received amount.

Fig. 2 is the second schematic flowchart of the repayment cancellation method provided by the present invention. As shown in Fig. 2, the method includes steps 210-240, wherein:

Step 210, receiving an application for repayment cancellation.

Step 220, judging whether the repayment amount corresponding to the repayment cancellation application is successfully entered into the account.

Step 230 , in response to the repayment amount corresponding to the repayment cancellation application not being successfully entered into the account, roll back the to-be-cancelled fee item according to the repayment method of the to-be-cancelled fee item covered by the repayment amount.

Optionally, for the descriptions and explanations of steps 210-230, reference may be made to the above-mentioned descriptions and explanations for steps 110-130, and the same technical effect can be achieved. To avoid repetition, details are not repeated here.

Step 240: In response to the repayment amount corresponding to the repayment cancellation application being successfully entered into the account, a rollback operation is performed on the repayment amount.

Specifically, in response to the repayment amount corresponding to the repayment cancellation application being successfully entered into the account, the repayment amount corresponding to the repayment cancellation application is directly refunded and rolled back, and the repayment cancellation application is completed.

In the repayment cancellation method provided by the present invention, the repayment amount corresponding to the repayment cancellation application has been successfully entered into the account, and the refund and rollback operations are performed according to the repayment amount corresponding to the repayment cancellation application, so as to realize the repayment cancellation application and improve the repayment rate. Payment cancellation efficiency.

Fig. 3 is the third schematic flow chart of the repayment cancellation method provided by the present invention. As shown in Fig. 3, the method includes steps 310-309, wherein:

Step 301, receiving an application for repayment cancellation.

Step 302: Determine whether the repayment amount corresponding to the repayment cancellation application is successfully entered into the account. If the repayment amount corresponding to the repayment cancellation application is successfully entered into the account, go to step 303; otherwise, go to step 304.

Step 303 , directly perform refund and rollback operations on the repayment amount corresponding to the repayment cancellation application.

Step 304: Determine the revocation type corresponding to the repayment revocation application. If the cancellation type corresponding to the repayment cancellation application is cancellation by repayment amount, go to step 305 ; if the cancellation type corresponding to the repayment cancellation application is cancellation by repayment fee, go to step 309 .

Step 305: Determine whether all the expense items covered by the repayment amount are credited to the account in real time. If there is a to-be-cancelled fee item that arrives in real time among all the fee items covered by the repayment amount, go to step 303; 306.

Step 306: Determine whether there is an offset or deduction amount for the expense item to be cancelled. If there is an offset or deduction amount for the expense item to be cancelled, go to step 307 ; otherwise, go to step 308 .

Step 307: Roll back all the to-be-cancelled fee items in turn according to the order of all the to-be-cancelled fee items covered by the repayment amount and the debit relationship, until all the to-be-cancelled fee items with offsets or deductions have been rolled back, go to: Step 308.

Step 308 , perform a rollback operation according to the to-be-cancelled fee item for the fee item to be cancelled for which there is no deduction or offset amount.

Step 309: Determine whether the to-be-cancelled expense item specified in the repayment cancellation application is credited to the account in real time. If the to-be-cancelled fee item specified in the repayment cancellation application is received in real time, go to step 303;

The repayment cancellation method provided by the present invention will be further described below in conjunction with the financial operating system, the financial accounting system, the external association system and the funder system.

Fig. 4 is the fourth schematic flowchart of the method for repayment revocation provided by the present invention. As shown in Fig. 4, the method includes steps 401 to 421, wherein:

In step 401, the repayment operation of the financial operating system is completed, and the expense item data related to the repayment amount is updated in real time.

Step 402, the financial operating system synchronizes the repayment amount and the expense item data involved in the repayment to the external associated system in real time to ensure data consistency between the financial operating system and the external associated system.

In step 403, the financial operating system receives the repayment amount corresponding to the real-time and non-real-time payment items to the account, and notifies the account entry system.

In step 404, the financial entry system updates the financial entry data such as the repayment amount corresponding to the real-time and non-real-time credited expense items.

Step 405, the financial entry system synchronizes the financial entry data to the funder's system.

In step 406, the funder system sends a receipt of successful or unsuccessful synchronization to the financial accounting system.

Step 407, the business operator applies for repayment cancellation in the financial operating system.

In step 408, the financial operating system determines whether the repayment amount corresponding to the repayment cancellation application has been successfully entered into the account according to the repayment method and other information. If the repayment amount corresponding to the application for repayment cancellation has been successfully entered into the account, go to step 409; otherwise, go to step 414.

In step 409, the financial operating system executes the repayment amount to directly perform refund and rollback operations, complete the repayment revocation, and change the refund data.

In step 410, the financial operating system synchronizes the refund information to the external associated system, and synchronizes the refund data to the account entry system.

Step 411, the financial accounting system receives the refund data synchronized by the financial operating system, and updates the refund data.

Step 412, the financial entry system synchronizes the refund data to the funder's system.

In step 413, the funder system sends a receipt of successful or unsuccessful synchronization to the financial accounting system.

Step 414, the financial operating system determines the type of the repayment cancellation application. If the type of the repayment cancellation application is application cancellation based on repayment amount, go to step 415 ; if the type of the repayment cancellation application is application cancellation based on repayment fee, go to step 414 .

In step 415, the financial operating system sends the application for cancellation according to the repayment amount to the financial accounting system.

In step 416, the financial accounting system receives the application for cancellation according to the repayment amount sent by the financial operating system, and performs a rollback operation according to the to-be-cancelled expense items covered by the repayment amount during repayment. Specifically, it is judged whether the repayment method of the to-be-cancelled expense item covered by the repayment amount is real-time credit; ; If the repayment method of the to-be-cancelled fee item is non-real-time credit-to-account, determine whether there is a deduction or offset amount for the to-be-cancelled fee item; For the debit relationship, based on the principle of rolling back the first covered fee item, roll back the to-be-cancelled fee item until all the to-be-cancelled fee items with offset or deduction amount are rolled back; if there is no deduction or exemption for the to-be-cancelled fee item Or offset amount, rollback operation is performed according to the expense item to be revoked, that is, the status of the expense item to be revoked is changed and the receivable amount is rolled back.

In step 417, the financial operating system sends the application for cancellation according to the repayment fee item to the financial accounting system.

In step 418, the financial accounting system receives the application for revocation according to the repayment expense item sent by the financial operating system, and rolls back the application according to the repayment expense item in combination with the expense item to be revoked.

Step 418-1, if the repayment fee item is a repayment method that is credited to the account in real time, the refund and rollback operations are directly performed according to the fee item to be cancelled, and the refund data is changed.

Step 418-2, if the repayment method of the repayment expense item is not real-time credit, and the calculation of the repayment expense item does not depend on the expense item, the financial accounting system directly rolls back the to-be-revoked expense item.

Step 418-3: If the repayment method of the repayment fee item is not real-time credit, and the calculation of the repayment fee item depends on the target fee item, then determine the cost item according to the fee item calculation method and the target fee item. The amount that should be refunded, and the amount that should be refunded for the refunded fee item.

Step 418-4: If the repayment method of the repayment fee item is not real-time credit, and there is a deduction or offset amount for the repayment fee item, the rollback operation is performed on the to-be-revoked fee item.

Step 418-5, if the repayment method of the repayment fee item is not real-time credit, and the repayment fee item has no deduction or offset amount, then the to-be-revoked fee item is rolled back.

Step 419, the financial accounting system updates the returned data information.

In step 420, the financial accounting system synchronizes the returned data information to the funder's system.

Step 421, the funder system sends a receipt of successful or unsuccessful synchronization to the financial accounting system.

The repayment revocation device provided by the present invention will be described below, and the repayment revocation device described below and the repayment revocation method described above may refer to each other correspondingly.

The present invention provides a repayment revocation device. FIG. 5 is a schematic structural diagram of the repayment revocation device provided by the present invention. As shown in FIG. 5 , the repayment revocation device 500 includes: a receiving module 501 , a first judging module 502 and a first Rollback module 503; wherein,

A receiving module 501, configured to receive an application for repayment cancellation;

The first judgment module 502 is used for judging whether the repayment amount corresponding to the repayment cancellation application has been successfully entered into the account;

The first rollback module 503 is configured to, in response to that the repayment amount corresponding to the repayment cancellation application has not been successfully entered into the account, according to the repayment method of the to-be-cancelled fee item covered by the repayment amount, to the to-be-cancelled fee item. Perform a rollback operation.

The repayment cancellation device provided by the present invention determines whether the repayment amount corresponding to the repayment cancellation application is successfully entered into the account by receiving the repayment cancellation application; The repayment method of the to-be-cancelled expense item is rolled back. Through the repayment method of the to-be-cancelled expense item, the repayment revocation requirements of a variety of complex account entry methods are realized, and the efficiency of repayment revocation is improved.

Optionally, the repayment method includes at least one of the following: real-time credit, non-real-time credit, a deduction or offset amount, and no deduction or offset amount.

Optionally, the first rollback module 503 is specifically configured to:

In response to the revocation type being revocation by repayment amount, then:

Roll back all the repayment methods covered by the repayment amount that are to be revoked in real time;

For all repayment methods covered by the repayment amount that are not real-time credited to the account, and there are to-be-revoked expense items that are deducted or offset, perform a rollback operation;

All repayment methods covered by the repayment amount are non-real-time credit, and there are no to-be-revoked expense items for deductions and offsets, and a rollback operation is performed.

Optionally, the first rollback module 503 is specifically configured to:

In response to the revocation type being revocation by fee item, and the repayment method of the fee item to be revoked specified in the repayment revocation application is real-time credit, perform a rollback operation on the fee item to be revoked; or,

In response to the revocation type being revocation by fee item, and the repayment method of the fee item to be revoked specified in the repayment revocation application is non-real-time credit, determine whether there is a deduction or offset amount for the fee item to be revoked; if Perform a rollback operation on the to-be-revoked fee item; if the to-be-revoked fee item has no deduction and offset amount, perform a rollback operation on the to-be-revoked fee item.

Optionally, the repayment cancellation device 500 further includes:

The second rollback module is configured to respond that the repayment revocation application corresponding to the revocation type is revocation by fee item, and the repayment method of the to-be-revoked fee item specified in the repayment revocation application is non-real-time credit. If the calculation of the fee item to be revoked does not depend on the fee item, a rollback operation is performed on the fee item to be revoked; or,

If the calculation of the fee item to be cancelled depends on the target fee item, then based on the fee item calculation method of the fee item to be cancelled and the target fee item, determine the refund amount of the fee item to be cancelled, and refund Refund the refundable amount of the to-be-cancelled fee item.

Optionally, the repayment cancellation device 500 further includes:

A third rollback module, configured to perform a rollback operation on the repayment amount in response to the repayment amount corresponding to the repayment cancellation application being successfully entered into the account.

Optionally, the first rollback module 503 is specifically configured to:

For all repayment methods covered by the repayment amount that are not real-time credited to the account, and there are all to-be-cancelled fee items for the deduction or offset amount, roll back the to-be-cancelled fee items covered first by the repayment amount;

Determine whether there are to-be-cancelled expense items that have not been rolled back, offset or reduced;

If there is a to-be-cancelled expense item that has not been rolled back for the offset or deduction amount, according to the order of the expense item covered by the repayment amount and the debit relationship, and based on the principle of rolling back the expense item covered first, roll back the to-be-revoked expense item Charges until all pending chargebacks with offsets or credits are rolled back.

FIG. 6 is a schematic diagram of the physical structure of the electronic device provided by the present invention. As shown in FIG. 6 , the electronic device 600 may include: a processor (processor) 610, a communication interface (Communications Interface) 620, a memory (memory) 630 and a communication bus 640, wherein the processor 610, the communication interface 620, and the memory 630 complete the communication with each other through the communication bus 640. The processor 610 can invoke the logic instructions in the memory 630 to execute a repayment revocation method, the method comprising: receiving a repayment revocation application; judging whether the repayment amount corresponding to the repayment revocation application is successfully credited into the account; If the repayment amount corresponding to the payment cancellation application has not been successfully entered into the account, the to-be-cancelled fee item is rolled back according to the repayment method of the to-be-cancelled fee item covered by the repayment amount.

In addition, the above-mentioned logic instructions in the memory 630 can be implemented in the form of software functional units and can be stored in a computer-readable storage medium when sold or used as an independent product. Based on such understanding, the technical solution of the present invention can be embodied in the form of a software product in essence, or the part that contributes to the prior art or the part of the technical solution. The computer software product is stored in a storage medium, including Several instructions are used to cause a computer device (which may be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of the present invention. The aforementioned storage medium includes: U disk, removable hard disk, Read-Only Memory (ROM, Read-Only Memory), Random Access Memory (RAM, Random Access Memory), magnetic disk or optical disk and other media that can store program codes .

In another aspect, the present invention also provides a computer program product comprising a computer program/instruction, the computer program/instruction being storable on a non-transitory computer-readable storage medium, the computer program/instruction being processed When the computer is executed, the computer can execute the repayment revocation method provided by the above methods, and the method includes: receiving a repayment revocation application; judging whether the repayment amount corresponding to the repayment revocation application is successfully entered into the account; If the repayment amount corresponding to the cancellation application has not been successfully recorded in the account, the to-be-cancelled fee item is rolled back according to the repayment method of the to-be-cancelled fee item covered by the repayment amount.

In yet another aspect, the present invention also provides a non-transitory computer-readable storage medium on which a computer program is stored, and when the computer program is executed by a processor, is implemented to execute the repayment revocation method provided by the above methods, the method comprising: : Receive the repayment cancellation application; determine whether the repayment amount corresponding to the repayment cancellation application has been successfully recorded; in response to the repayment cancellation application corresponding to the repayment amount not being successfully recorded, according to the repayment amount covered by the pending cancellation The repayment method of the fee item, and the rollback operation is performed on the to-be-revoked fee item.

The device embodiments described above are only illustrative, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in One place, or it can be distributed over multiple network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution in this embodiment. Those of ordinary skill in the art can understand and implement it without creative effort.

From the description of the above embodiments, those skilled in the art can clearly understand that each embodiment can be implemented by means of software plus a necessary general hardware platform, and certainly can also be implemented by hardware. Based on this understanding, the above-mentioned technical solutions can be embodied in the form of software products in essence or the parts that make contributions to the prior art, and the computer software products can be stored in computer-readable storage media, such as ROM/RAM, magnetic A disc, an optical disc, etc., includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to perform the methods described in various embodiments or some parts of the embodiments.

Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, but not to limit them; although the present invention has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand: it can still be Modifications are made to the technical solutions described in the foregoing embodiments, or some technical features thereof are equivalently replaced; and these modifications or replacements do not make the essence of the corresponding technical solutions depart from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims (10)

1. A repayment revocation method, characterized in that the method comprises: Receive repayment cancellation applications; Determine whether the repayment amount corresponding to the repayment cancellation application has been successfully entered into the account; In response to the repayment amount corresponding to the repayment cancellation application not being successfully recorded in the account, a rollback operation is performed on the to-be-cancelled fee item according to the repayment method of the to-be-cancelled fee item covered by the repayment amount. 2. The repayment revocation method according to claim 1, characterized in that, The repayment method includes at least one of the following: real-time credit, non-real-time credit, there is a deduction or offset amount, and there is no deduction or offset amount; The revocation type corresponding to the repayment application revocation includes revocation based on repayment amount or revocation based on expense item. 3 . The repayment cancellation method according to claim 2 , wherein, according to the repayment method of the to-be-cancelled fee item covered by the repayment amount corresponding to the repayment cancellation application, the repayment method for the to-be-cancelled fee item Perform a rollback operation, including: In response to the revocation type being revocation by repayment amount, then: Roll back all the repayment methods covered by the repayment amount that are to be revoked in real time; For all repayment methods covered by the repayment amount that are not real-time credited to the account, and there are to-be-revoked expense items that are deducted or offset, perform a rollback operation; All repayment methods covered by the repayment amount are non-real-time credit, and there are no to-be-revoked expense items for deductions and offsets, and a rollback operation is performed. 4 . The repayment cancellation method according to claim 2 , wherein, according to the repayment method of the to-be-cancelled fee item covered by the repayment amount corresponding to the repayment cancellation application, the repayment of the to-be-cancelled fee item Perform a rollback operation, including: In response to the revocation type being revocation by fee item, and the repayment method of the fee item to be revoked specified in the repayment revocation application is real-time credit, perform a rollback operation on the fee item to be revoked; or, In response to the cancellation type corresponding to the repayment cancellation application being cancellation by fee item, and the repayment method of the to-be-cancelled fee item specified in the repayment cancellation application is non-real-time credit to the account, determine whether the to-be-cancelled fee item exists Amount of deduction or offset; if there is a deduction or offset amount for the fee item to be cancelled, the rollback operation is performed on the fee item to be cancelled; if there is no reduction, exemption or offset amount for the fee item to be cancelled, Undo the charge item for rollback. 5. The repayment revocation method according to claim 4, wherein the method further comprises: In response to that the revocation type is revocation by fee item, and the repayment method of the fee item to be revoked specified in the repayment revocation application is non-real-time credit, if the calculation of the fee item to be revoked does not depend on the fee item, then Perform a rollback operation on the to-be-revoked fee item; or, If the calculation of the fee item to be cancelled depends on the target fee item, then based on the fee item calculation method of the fee item to be cancelled and the target fee item, determine the refund amount of the fee item to be cancelled, and refund Refund the refundable amount of the to-be-cancelled fee item. 6. The repayment revocation method according to claim 1, wherein the method further comprises: In response to the repayment amount corresponding to the repayment cancellation application being successfully entered into the account, a rollback operation is performed on the repayment amount. 7. The repayment revocation method according to claim 3, characterized in that, all repayment methods covered by the repayment amount are non-real-time receipt, and there are expenses to be revoked for deductions or offsets, Perform a rollback operation, including: For all repayment methods covered by the repayment amount that are not real-time credited to the account, and there are all to-be-cancelled fee items for the deduction or offset amount, roll back the to-be-cancelled fee items covered first by the repayment amount; Determine whether there are to-be-cancelled expense items that have not been rolled back, offset or reduced; If there is a to-be-cancelled expense item that has not been rolled back for the offset or deduction amount, according to the order of the expense item covered by the repayment amount and the debit relationship, and based on the principle of rolling back the expense item covered first, roll back the to-be-revoked expense item Charges until all pending chargebacks with offsets or credits are rolled back. 8. A repayment revocation device, characterized in that the device comprises: The receiving module is used to receive the repayment cancellation application; a first judging module, configured to judge whether the repayment amount corresponding to the repayment cancellation application is successfully entered into the account; The first rollback module is configured to, in response to that the repayment amount corresponding to the repayment cancellation application has not been successfully entered into the account, perform a repayment procedure on the to-be-cancelled fee item according to the repayment method of the to-be-cancelled fee item covered by the repayment amount. Rollback operation. 9. A computer program product, comprising computer programs/instructions, characterized in that, when the computer program/instructions are executed by a processor, the steps of the repayment cancellation method according to any one of claims 1 to 7 are implemented. 10. A non-transitory computer-readable storage medium on which a computer program is stored, characterized in that, when the computer program is executed by a processor, the repayment cancellation method according to any one of claims 1 to 7 is implemented. step.

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