CN117710074A - Method for processing bank acceptance bill - Google Patents

Abstract

The disclosure provides a processing method of a bank acceptance bill, comprising the following steps: acquiring a bank acceptance bill of unfinished money preparation in response to the set money preparation time; preparing money for the bank acceptance bill according to the acceptance amount of the bank acceptance bill, wherein the prepared money amount of the prepared money is consistent with the acceptance amount; acquiring deposit amount of a ticket issuing object of a bank acceptance ticket on a deposit account number of the bank and guarantee amount of the bank acceptance ticket issued by the ticket issuing object at the bank; determining a first to-be-checked-out amount of the deposit account according to the deposit amount, the guaranteed amount and the prepared amount; according to the first amount to be checked out, the check out processing is carried out on the deposit account, so that when the deposit amount and the guaranteed amount are smaller than the reserved amount, the check out processing is carried out on the deposit account, the insufficient amount is not directly padded, the credit of a customer is not influenced, and the user experience is improved.

Description

Method for processing bank acceptance bill

Technical Field

The disclosure relates to the field of internet, in particular to a processing method of a bank acceptance bill.

Background

The bank acceptance bill is a bill which is issued by a depositor who opens a deposit account at an acceptance bank, applies to the opening bank and agrees to accept the acceptance by the bank examination, and ensures that a determined amount is unconditionally paid to a payee or ticket holder on a specified date.

In the related technology, in the whole processing flow of the bank receipt, the bank receipt can be automatically provided with money on the day of the money providing, and under the condition of insufficient money providing amount, the money filling processing can be directly carried out on the money providing insufficient amount, and if the money providing insufficient amount is filled up by a customer on the day of the money providing, the money filling condition can be generated, and the credit of the customer can be influenced.

Disclosure of Invention

The present disclosure provides a method for processing a bank acceptance bill to solve at least one of the technical problems in the related art to a certain extent. The technical scheme of the present disclosure is as follows:

according to a first aspect of an embodiment of the present disclosure, there is provided a method for processing a bank acceptance ticket, including: acquiring a bank acceptance bill of unfinished money preparation in response to the set money preparation time; preparing money for the bank acceptance bill according to the acceptance amount of the bank acceptance bill, wherein the prepared money amount of the prepared money is consistent with the acceptance amount; acquiring deposit amount of a ticket issuing object of the bank acceptance ticket on a deposit account number of a bank and guarantee amount of the bank acceptance ticket of the ticket issuing object at the bank; determining a first to-be-billed amount of the deposit account according to the deposit amount, the guaranteed amount and the reserve amount; and executing account hanging processing on the deposit account according to the first account to be checked.

According to a second aspect of the embodiments of the present disclosure, there is provided a processing apparatus for a bank acceptance ticket, including: the first acquisition module is used for acquiring bank acceptance notes of unfinished money in response to the arrival of the set money preparation time; the money preparation module is used for preparing money for the bank acceptance bill according to the acceptance amount of the bank acceptance bill, wherein the prepared money amount of the prepared money is consistent with the acceptance amount; the second acquisition module is used for acquiring the deposit amount of the ticket issuing object of the bank acceptance ticket on the deposit account number of the bank and the guarantee amount of the bank acceptance ticket of the ticket issuing object at the bank; the determining module is used for determining a first to-be-checked-out amount of the deposit account according to the deposit amount, the guaranteed amount and the reserve amount; and the processing module is used for executing the account hanging processing on the deposit account according to the first account to be checked.

According to a third aspect of embodiments of the present disclosure, there is provided an electronic device, comprising: a processor; a memory for storing the processor-executable instructions; wherein the processor is configured to execute the instructions to implement a method of processing a bank acceptance ticket according to an embodiment of the first aspect of the present disclosure.

According to a fourth aspect of embodiments of the present disclosure, there is provided a computer readable storage medium, which when executed by a processor of an electronic device, causes the electronic device to perform a method of processing a bank acceptance ticket according to an embodiment of the first aspect of the present disclosure.

According to a fifth aspect of embodiments of the present disclosure, there is provided a computer program product comprising: a computer program which when executed by a processor implements a method of processing a bank acceptance ticket according to an embodiment of the first aspect of the present disclosure.

The technical scheme provided by the embodiment of the disclosure at least brings the following beneficial effects:

1. in response to the set standby time, the bank receipt of the unfinished standby is subjected to standby, the first to-be-checked-out amount of the deposit account is determined according to the deposit amount, the guaranteed amount and the standby amount, and then, according to the first to-be-checked-out amount, the deposit account is subjected to the checking-out process, so that when the deposit amount and the guaranteed amount are insufficient for the standby amount, the deposit account is subjected to the checking-out process, instead of directly carrying out the money-filling process on the insufficient amount in the related technology, the credit of a customer is not influenced, and the user experience is improved;

2. in response to the arrival of the set account-clearing and returning time, determining a first account-to-be-returned amount from the first account-to-be-returned amount in response to the existence of the first account-to-be-checked amount in the deposit account of the ticket-issuing object and the fact that the first account-to-be-returned amount is larger than or equal to the first account-to-be-checked amount, and performing account-clearing and returning on the deposit account by adopting the first account-to-be-returned amount, so that the arrears amount is supplemented on the day of the money-preparation day, and the credit of a customer is not influenced;

3. in response to the set interest time, the interest calculation is carried out on the target money amount to be charged to obtain target interest, the target money amount to be charged is updated according to the target interest, and the accounting processing is carried out on the updated target money amount to be charged, so that the generated money is charged after the money is transferred from the account to the money to be charged, and the actual benefit of a bank is ensured.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the disclosure and together with the description, serve to explain the principles of the disclosure and do not constitute an undue limitation on the disclosure.

FIG. 1 is a flow chart of a method of processing a bank acceptance ticket, shown in a first embodiment of the present disclosure;

FIG. 2 is a flow chart of a method of processing a bank acceptance ticket, shown in a second embodiment of the present disclosure;

FIG. 3 is a schematic flow diagram of a checkout return shown in a third embodiment of the present disclosure;

FIG. 4 is a schematic flow chart of a pad deposit message shown in a fourth embodiment of the present disclosure;

FIG. 5 is a schematic flow chart of an implementation of a method for processing a bank acceptance ticket according to an embodiment of the disclosure;

fig. 6 is a schematic structural view of a processing device for bank acceptance notes according to a fifth embodiment of the present disclosure;

fig. 7 is a schematic structural diagram of an electronic device according to an exemplary embodiment of the present disclosure.

Detailed Description

In order to enable those skilled in the art to better understand the technical solutions of the present disclosure, the technical solutions of the embodiments of the present disclosure will be clearly and completely described below with reference to the accompanying drawings.

It should be noted that the terms "first," "second," and the like in the description and claims of the present disclosure and in the foregoing figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the disclosure described herein may be capable of operation in sequences other than those illustrated or described herein. The implementations described in the following exemplary examples are not representative of all implementations consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with some aspects of the present disclosure as detailed in the accompanying claims.

It should be noted that, in the technical solution of the present disclosure, the related processes of collecting, storing, using, processing, transmitting, providing, disclosing, etc. of the personal information of the user are all performed on the premise of proving the consent of the user, and all conform to the rules of the related laws and regulations, and do not violate the popular regulations of the public order.

The following describes a method for processing a bank acceptance ticket according to an embodiment of the present disclosure with reference to the accompanying drawings.

Fig. 1 is a flow chart of a method of processing a bank acceptance ticket according to a first embodiment of the present disclosure. It should be noted that, the embodiments of the present disclosure may be applied to a core business system of a bank, for example, the core business system of the bank is a core loan system.

As shown in fig. 1, the method for processing the bank acceptance bill can comprise the following steps:

and step 101, acquiring bank acceptance notes of unfinished money in response to the set money preparation time.

To improve timeliness of the deposit, as an example, the set deposit time may be periodic, and at the same time, the set deposit time may be a non-transaction peak period, so as to reduce a processing burden of a bank and improve a processing efficiency of the deposit, for example, the set deposit time may be in the early morning of each day, and in response to reaching the set deposit time, a bank receipt of an unfinished deposit may be obtained by querying a deposit record, wherein an expiration time of the bank receipt of the unfinished deposit is less than or equal to a transaction time of the bank receipt.

It should be noted that, the number of the bank receipt with the unfinished money may be one or more, and when the number of the bank receipt with the unfinished money is plural, the plurality of bank receipt with the unfinished money may belong to the same ticket issuing object or may belong to different ticket issuing objects, which is not specifically limited in the disclosure.

And 102, preparing the bank acceptance bill according to the acceptance amount of the bank acceptance bill.

Wherein the prepared money amount of the prepared money is consistent with the receiving amount.

As an example, the bank acceptance bill can be provided according to the acceptance amount of the bank acceptance bill in a batch online manner. The prepared money amount is consistent with the receiving amount, for example, the receiving amount is 50W, and the prepared money amount is 50W.

Step 103, obtaining the deposit amount of the ticket issuing object of the bank acceptance ticket on the deposit account number of the bank and the guarantee amount of the bank acceptance ticket issued by the ticket issuing object at the bank.

Further, the bank can inquire the deposit amount of the ticket issuing object of the bank acceptance bill on the deposit account number of the bank and the guarantee amount of the corresponding bank acceptance bill of the ticket issuing object on the bank based on personal information (such as an identity card number, a mobile phone number or a name and the like) of the ticket issuing object. For example, the deposit amount of the ticket issuing object on the deposit account number of the bank is 10W, and the guarantee amount of the ticket issuing object on the bank corresponding to the bank acceptance ticket is 5W.

And 104, determining a first to-be-billed amount of the deposit account according to the deposit amount, the guaranteed amount and the prepared amount.

As an example, when the deposit amount and the guaranteed amount cannot realize the sufficient amount of the reserve, for example, the sum of the deposit amount and the guaranteed amount is smaller than the reserve amount, the first to-be-billed amount of the deposit account may be determined according to the deposit amount, the guaranteed amount, and the reserve amount. For example, the reserve amount is 50W, the deposit amount is 10W, the guaranteed amount is 5W, the sum of the deposit amount and the guaranteed amount is 35W smaller than the reserve amount is 50W, and the first to-be-checked-out amount of the deposit account is 50W-35 w=15w.

Step 105, according to the first amount to be checked out, checking out processing is performed on the deposit account.

And further, according to the first to-be-checked-out amount, performing a checking-out process on the stored account, for example, temporarily recording the first to-be-checked-out amount on the to-be-checked-out internal account, and giving out a ticket object (client) to raise a fund reservation time so as to fill up the gap amount. It should be noted that, the time length reserved for raising funds by the ticket issuing object (client) may be in positive correlation according to the service level of the ticket issuing object. For example, a ticket object with a high service level may reserve funds for a longer period of time than a ticket object with a low service level. Wherein, the service grade of the ticket object (such as a common client, a gold card client, a platinum client, a black client, a diamond client and the like) is determined according to the deposit amount of the ticket object, and the larger the deposit amount is, the higher the service grade is.

In summary, the bank acceptance bill of unfinished money is obtained by responding to the arrival of the set money preparation time; preparing money for the bank acceptance bill according to the acceptance amount of the bank acceptance bill, wherein the prepared money amount of the prepared money is consistent with the acceptance amount; acquiring deposit amount of a ticket issuing object of the bank acceptance ticket on a deposit account number of a bank and guarantee amount of the bank acceptance ticket of the ticket issuing object at the bank; determining a first to-be-billed amount of the deposit account according to the deposit amount, the guaranteed amount and the prepared amount; according to the first account to be checked out amount, account checking processing is carried out on the deposit account, so that when the deposit amount and the guaranteed amount are smaller than the prepared amount, account checking processing is carried out on the deposit account, but not the insufficient amount is directly padded in the related technology, the credit of a customer is not influenced, and the user experience is improved.

To clearly illustrate how the first to-be-checked-out amount of the deposit account is determined according to the deposit amount, the guaranteed amount, and the reserve amount in the above-described embodiments, the present disclosure proposes another method for processing a bank acceptance ticket.

Fig. 2 is a flow chart of a method of processing a bank acceptance ticket according to a second embodiment of the present disclosure.

As shown in fig. 2, the method for processing the bank acceptance bill can comprise the following steps:

in step 201, in response to reaching the set standby time, a bank acceptance ticket of the unfinished standby is acquired.

And 202, preparing money for the bank acceptance bill according to the acceptance amount of the bank acceptance bill.

Wherein the prepared money amount of the prepared money is consistent with the receiving amount.

Step 203, obtaining the deposit amount of the ticket issuing object of the bank acceptance ticket on the deposit account number of the bank and the guarantee amount of the ticket issuing object of the bank acceptance ticket on the bank.

And 204, adding the deposit amount and the guaranteed amount to obtain the target amount.

As one possible implementation, the bank acceptance bill is prepared according to the deposit amount and the guarantee amount together, and as an example, the deposit amount and the guarantee amount may be added to obtain the target amount, and the preparation is performed based on the target amount.

In step 205, in response to the target amount being less than the reserve amount, a first amount to be billed of the deposit account is determined based on the reserve amount and the target amount.

As a possible implementation manner, when the target amount is not enough to prepare the deposit, that is, the target amount is smaller than the deposit amount, the insufficient funds may be subjected to a payment processing.

As one example, the reserve amount and the target amount are subjected to a phase difference to obtain a difference amount between the reserve amount and the target amount; and taking the difference value as a first to-be-checked-out amount of the deposit account.

That is, when the target amount is smaller than the reserve amount, the reserve amount and the target amount may be different, a difference amount (i.e., insufficient amount) between the reserve amount and the target amount may be determined, and further, the difference amount may be used as the first amount to be billed for the deposit account.

As another example, the target amount is greater than or equal to the reserve amount, and a target sub-amount is determined from the target amount; wherein the target sub-amount is the same as the prepared amount; and deducting the target sub-amount from the deposit account number and/or the deposit to repay the reserve amount.

That is, when the sufficient amount of the bank receipt is prepared according to the deposit amount and the guarantee amount, the prepared amount can be deducted from the deposit account number and/or the corresponding guarantee deposit of the guarantee amount, so as to repay the prepared amount.

To sum up, the deposit amount and the guaranteed amount are added to obtain a target amount; and in response to the target amount being smaller than the reserve amount, determining a first to-be-billed amount of the deposit account according to the reserve amount and the target amount, and therefore, when the deposit amount and the guaranteed amount are not smaller than the reserve amount, performing billing processing on the deposit account, instead of directly performing money-filling processing on the insufficient amount in the related art, the credit of the customer is not influenced, and user experience is improved.

In the embodiment of the present disclosure, in response to reaching the set account settling time, whether the first transfer amount exists in the deposit account of the ticket issuing object or not may be queried, and when the first transfer amount exists in the deposit account, account settling may be performed on the deposit account, which is described in detail below with reference to the embodiment of fig. 3.

Fig. 3 is a schematic flow chart of a return to account for hang-up shown in a third embodiment of the present disclosure.

As shown in fig. 3, the checkout return may further include the steps of:

in step 301, in response to reaching the set return time for the posting, it is queried whether the first transfer amount exists in the deposit account number of the ticketing object.

As one example, during a period between a set standby time and a set checkout return time, the ticketing object may be transferred online into the deposit account, and in response to reaching the set checkout return time, it may be queried whether a first transfer amount exists in the deposit account. It should be noted that the setting of the return time of the account may be periodic, for example, the period of the setting of the return time of the account may be every 1 hour, where the period of the setting of the return time of the account may be the same or different from the period of the setting of the standby time, and the disclosure is not limited specifically.

In step 302, in response to the first transfer amount being present in the deposit account number of the ticketing object, and the first transfer amount being greater than or equal to the first amount to be checked out, a first amount to be returned is determined from the first transfer amount according to the first amount to be checked out.

Wherein the first to-be-returned amount is the same as the first to-be-checked-out amount.

As a possible implementation manner of the embodiment of the present disclosure, when the first transfer amount exists in the deposit account, the first transfer amount in the deposit account may be used for account-hanging return.

As one example, in response to a first transfer amount being present in the deposit account number of the ticketing object, the first transfer amount is greater than or equal to a first amount to be billed; and determining a first to-be-returned amount from the first transfer amount according to the first to-be-checked-out amount.

That is, in the case that the first transfer amount exists in the deposit account number of the ticket object and the first transfer amount is greater than or equal to the first to-be-checked-out amount, the first to-be-checked-out amount matched with the first to-be-checked-out amount may be determined from the first transfer amount to deduct the first to-be-checked-out amount from the deposit account number to perform the to-be-checked-out and the to-be-checked-back.

As another example, in response to the deposit account of the ticketing object having a first transfer amount, the first transfer amount being less than the first amount to be billed, the deposit account is billed back with the first transfer amount; determining a second amount to be billed according to the first amount to be billed and the first amount to be billed; and executing account-hanging processing on the deposit account according to the second account amount to be checked.

That is, when the first transfer amount exists in the deposit account of the ticket issuing object and the first transfer amount is smaller than the first to-be-checked-out amount, the first transfer amount is checked-out and returned, and the first transfer amount is smaller than the first to-be-checked-out amount, so that the difference value between the first to-be-checked-out amount and the first transfer amount is used as the second to-be-checked-out amount, and the checking-out process is performed on the deposit account according to the second to-be-checked-out amount. In addition, in response to reaching the set amount time (e.g., 10:00 pm on day of the preparation), determining a first amount to be paid according to the second amount to be billed; and according to the first amount to be charged, charging the deposit account number. The method comprises the steps of converting the account to be checked out into the money to be checked out, wherein the money to be checked out is a first money to be checked out, and the first money to be checked out is identical to the second money to be checked out. The set charging time of different ticket issuing objects is different, and the set charging time of the ticket issuing object can be determined according to the service grade of the ticket issuing object.

As an example, a service level of a ticketing object is obtained; determining the money filling date of a deposit account number of the ticket object according to the service grade; in response to the arrival of the deposit date, deposit processing is performed on the deposit account number according to the first amount to be deposited.

That is, the service level of the ticketing object can be queried according to personal information (such as an identification card number, a mobile phone number, a name and the like) of the ticketing object, and the fund making date of the deposit account number of the ticketing object is determined according to the service level, for example, the higher the service level is, the later the fund making date is, and the longer the fund raising time reserved for the ticketing object is; further, in response to the fund date being reached, a fund process is performed on the deposit account number according to the first amount to be funded.

As yet another example, in response to the deposit account number of the ticketing object not having the first transfer amount and reaching the set line time, determining a second line amount from the first line amount; and according to the second amount to be charged, charging the deposit account.

That is, in the period between the set standby time and the set checkout return time, the ticket object is not transferred to the deposit account, and the checkout is converted into the line money in response to the set line money time being reached. The money amount to be paid is the second money amount to be paid, and the second money amount to be paid is the same as the first money amount to be checked out.

Step 303, deducting the first to-be-returned amount from the deposit account to account-hanging and return the deposit account.

In the embodiment of the disclosure, when a first transfer amount exists in the deposit account of the ticket issuing object and the first transfer amount is greater than or equal to the first to-be-checked-out amount, the first to-be-checked-out amount may be deducted from the deposit account to check out and return the deposit account.

In summary, whether a first transfer amount exists in a deposit account number of a ticket object is inquired by responding to the arrival of a set account-settling return time; responding to the existence of a first transfer amount in a deposit account of the ticket object, wherein the first transfer amount is larger than or equal to a first to-be-checked amount, and determining a first to-be-returned amount from the first transfer amount according to the first to-be-checked amount; the first amount to be returned is deducted from the deposit account to carry out account-hanging return on the deposit account, so that the account-hanging return is carried out by reserving a certain time for giving out ticket objects, the arrearing and the filling of arrears are realized, the credit of a customer is not influenced, and the customer experience is improved.

On the basis of any of the above embodiments, in order to ensure the benefit of the bank, after the payment is transferred from the account to the payment, the bank may count the payment, which will be described in detail below with reference to the embodiment of fig. 4.

Fig. 4 is a schematic flow chart of the pad money counting according to the fourth embodiment of the present disclosure.

As shown in fig. 4, the pad style information may include the following steps:

step 401, calculating interest in response to the arrival of the set interest time, and obtaining target interest;

the target money to be paid amount comprises a first money to be paid amount or a second money to be paid amount.

As an example, the set interest time is periodic, the set interest time may be an early morning of a day after the deposit processing, and in response to reaching the set interest time, the target deposit amount may be calculated by using the set interest rate to obtain the target interest, where the target deposit amount includes the first deposit amount or the second deposit amount.

Step 402, updating the target money to be paid according to the target interest.

As an example, the target to-be-charged amount is a first to-be-charged amount, and the first to-be-charged amount is updated by using a target interest obtained by calculating interest for the first to-be-charged amount, for example, the first to-be-charged amount is added with a target interest obtained by calculating interest for the first to-be-charged amount, so as to obtain the updated first to-be-charged amount.

As another example, the target amount to be charged is a second amount to be charged, and the updated second amount to be charged is obtained by updating the second amount to be charged with the target interest obtained by calculating interest from the second amount to be charged, for example, adding the second amount to be charged with the target interest obtained by calculating interest from the second amount to be charged to the second amount to be charged.

And 403, performing accounting processing on the updated target money to be paid.

In order to ensure the benefit of the bank, the updated target money to be paid can be subjected to accounting processing.

In conclusion, obtaining target interest by calculating interest from the target amount to be paid in response to the arrival of the set interest time; updating the target money to be paid according to the target interest; and (3) carrying out accounting processing on the updated target money to be paid, so that after the money is transferred from the account to the money to be paid, the generated money to be paid is counted, and the actual benefits of the bank are ensured.

On the basis of any embodiment of the present disclosure, an implementation flow of the present disclosure may be as shown in fig. 5, and mainly includes the following steps:

step 1: when the automatic standby of the silver-carrying draft is carried out in batch transfer online mode, the reserved money amount is called the multi-borrowing and multi-lending function of a deposit unit in a core business system (such as a core loan system) in real time through micro-services, the customer account and the deposit of the guarantee deposit are completed, the account-hanging processing of the gap amount is temporarily recorded on an account in the account to be sold, the money-packing processing is not carried out, and the reserved time of the fund is reserved for the customer to carry out the gap amount replenishment;

step 2: before the batch of money is transferred from the account to the pad in the daytime on the day of the money preparation, the online transaction of the account settlement of the bank can be carried out (1), and under the condition that a counter is manually triggered and a customer account is charged, the multi-borrowing and multi-lending transaction of the deposit module is called in real time, so that the account settlement treatment is completed; (2) The batch settlement can be carried out by batch settlement timing, the batch can flexibly configure polling time, the polling time can be long or short, batch-to-online operation is carried out on the bill with the settlement date being the current date and the money filling mark being the settlement, and the deposit module is called in real time to complete the settlement operation, so that the method is flexible, convenient, simple and convenient;

step 3: the batch triggering time of the bank-hold account-transferring and money-filling is the day end of the prepared money, the normal bill with the money-filling mark of account-transferring is subjected to account-transferring and money-filling processing, and the account-transferring and money-filling processing is completed by calling the funds sales transaction to be sold of the deposit module in real time in a batch transfer online mode;

step 4: after the day of the prepared money is cut (the time of interest is reached), the accumulated interest batch of the loan daily can calculate the interest generated on the day of the money filling, so that the calculation of the interest of the money filling is not influenced, and the obtained benefits of the bank are not influenced.

Corresponding to the method for processing the bank acceptance bill provided by the above embodiment, the present disclosure further provides a device for processing the bank acceptance bill, and since the device for processing the bank acceptance bill provided by the embodiment of the present disclosure corresponds to the method for processing the bank acceptance bill provided by the above embodiment, implementation of the method for processing the bank acceptance bill is also applicable to the device for processing the bank acceptance bill provided by the embodiment of the present disclosure, which is not described in detail in the embodiment of the present disclosure.

Fig. 6 is a schematic structural view of a processing apparatus for bank acceptance notes according to a fifth embodiment of the present disclosure.

As shown in fig. 6, the processing apparatus 600 for bank acceptance notes includes: a first acquisition module 610, a standby module 620, a second acquisition module 630, a determination module 640, and a processing module 650.

The first obtaining module 610 is configured to obtain a bank acceptance ticket of an unfinished money in response to reaching a set money preparation time; the money preparing module 620 is configured to prepare money for the bank acceptance bill according to the acceptance amount of the bank acceptance bill, where the prepared money amount of the money preparing is consistent with the acceptance amount; a second obtaining module 630, configured to obtain a deposit amount of a ticket issuing object of a bank acceptance ticket on a deposit account of the bank and a guarantee amount of the bank acceptance ticket issued by the ticket issuing object at the bank; a determining module 640, configured to determine a first amount to be checked out of the deposit account according to the deposit amount, the guaranteed amount, and the reserve amount; and the processing module 650 is configured to perform a checkout process on the deposit account according to the first amount to be checked out.

As one possible implementation manner of the embodiment of the present disclosure, the determining module 640 is configured to add the deposit amount and the guaranteed amount to obtain the target amount; and determining a first to-be-billed amount of the deposit account according to the prepared amount and the target amount in response to the target amount being less than the prepared amount.

As a possible implementation manner of the embodiment of the present disclosure, the determining module 640 is further configured to perform phase difference between the prepared amount and the target amount, so as to obtain a difference amount between the prepared amount and the target amount; and taking the difference value as a first to-be-checked-out amount of the deposit account.

As one possible implementation of the embodiment of the disclosure, the determining module 640 is further configured to determine, from the target amount, a target sub-amount in response to the target amount being greater than or equal to the reserve amount; wherein the target sub-amount is the same as the prepared amount; and deducting the target sub-amount from the deposit account number and/or the deposit to repay the reserve amount.

As one possible implementation of an embodiment of the present disclosure, the processing apparatus 600 for a bank acceptance ticket further includes: the system comprises a query module and a account-hanging return module.

The inquiring module is used for inquiring whether a first transfer amount exists in the deposit account number of the ticket-out object or not in response to the arrival of the set account-setting return time; the determining module 640 is further configured to determine a first to-be-returned amount from the first to-be-checked-out amount according to the first to-be-checked-out amount in response to the first to-be-checked-out amount existing in the deposit account of the ticket object and the first to-be-checked-out amount being greater than or equal to the first to-be-checked-out amount; wherein the first amount to be returned is the same as the first amount to be checked out; and the account-hanging return module is used for deducting the first amount to be returned from the deposit account to carry out account-hanging return on the deposit account.

As a possible implementation manner of the embodiment of the disclosure, the account-closing return module is further configured to respond to the existence of a first account-closing amount in the deposit account of the ticketing object, where the first account-closing amount is smaller than the first account-closing amount, and adopt the first account-closing amount to perform account-closing return on the deposit account; the determining module 640 is further configured to determine a second amount to be billed according to the first amount to be billed and the first amount to be billed; the processing module 650 is further configured to perform a payment processing on the deposit account according to the second payment amount.

As one possible implementation manner of the embodiment of the present disclosure, the determining module 640 is further configured to determine, in response to reaching the set payment time, a first amount to be paid according to the second amount to be checked out; the processing module 650 is further configured to perform a deposit process on the deposit account number according to the first amount to be deposited.

As a possible implementation manner of the embodiment of the present disclosure, the determining module 640 is further configured to determine, in response to the deposit account number of the ticketing object not having the first account amount and reaching the set payment time, a second amount to be paid according to the first amount to be paid; the processing module 650 is further configured to perform a deposit payment processing on the deposit account number according to the second amount to be deposit payment.

As one possible implementation of an embodiment of the present disclosure, the processing apparatus 600 for a bank acceptance ticket further includes: the system comprises a calculation module, an updating module and a billing module.

The calculation module is used for calculating interest of the target money to be paid in response to the arrival of the set interest time to obtain target interest; the target money to be paid comprises a first money to be paid or a second money to be paid; the updating module is used for updating the target money to be paid according to the target interest; and the accounting module is used for accounting the updated target money to be paid.

The processing device of the bank acceptance bill of the embodiment of the disclosure obtains the bank acceptance bill with unfinished money by responding to the arrival of the set money preparation time; preparing money for the bank acceptance bill according to the acceptance amount of the bank acceptance bill, wherein the prepared money amount of the prepared money is consistent with the acceptance amount; acquiring deposit amount of a ticket issuing object of a bank acceptance ticket on a deposit account number of a bank and guarantee amount of the bank acceptance ticket issued by the ticket issuing object at the bank; determining a first to-be-checked-out amount of the deposit account according to the deposit amount, the guaranteed amount and the prepared amount; according to the first account to be checked out amount, the account checking process is carried out on the deposit account, so that when the deposit amount and the guaranteed amount are smaller than the prepared amount, the account checking process is carried out on the deposit account, instead of the manner that the insufficient amount is directly padded in the related art, the credit of a customer is not influenced, and the user experience is improved.

In an exemplary embodiment, an electronic device is also presented.

Wherein, electronic equipment includes:

a processor;

a memory for storing processor-executable instructions;

wherein the processor is configured to execute instructions to implement a method of processing a bank acceptance ticket as set forth in any of the preceding embodiments.

As an example, fig. 7 is a schematic structural diagram of an electronic device 700 according to an exemplary embodiment of the present disclosure, and as shown in fig. 7, the electronic device 700 may further include:

the processing method of the bank acceptance bill according to the embodiment of the disclosure is realized when the processor 720 executes the program.

Bus 730 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor, or a local bus using any of a variety of bus architectures. By way of example, and not limitation, such architectures include Industry Standard Architecture (ISA) bus, micro channel architecture (MAC) bus, enhanced ISA bus, video Electronics Standards Association (VESA) local bus, and Peripheral Component Interconnect (PCI) bus.

Electronic device 700 typically includes a variety of electronic device readable media. Such media can be any available media that is accessible by electronic device 700 and includes both volatile and nonvolatile media, removable and non-removable media.

Memory 710 may also include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM) 740 and/or cache memory 750. Server 700 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 760 may be used to read from or write to non-removable, non-volatile magnetic media (not shown in FIG. 7, commonly referred to as a "hard disk drive"). Although not shown in fig. 7, a magnetic disk drive for reading from and writing to a removable non-volatile magnetic disk (e.g., a "floppy disk"), and an optical disk drive for reading from or writing to a removable non-volatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In such cases, each drive may be coupled to bus 730 through one or more data medium interfaces. Memory 710 may include at least one program product having a set (e.g., at least one) of program modules configured to carry out the functions of the various embodiments of the disclosure.

A program/utility 780 having a set (at least one) of program modules 770 may be stored in, for example, memory 710, such program modules 770 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each or some combination of which may include an implementation of a network environment. Program modules 770 typically carry out the functions and/or methods of the embodiments described in this disclosure.

The electronic device 700 may also communicate with one or more external devices 790 (e.g., keyboard, pointing device, display 791, etc.), one or more devices that enable a user to interact with the electronic device 700, and/or any device (e.g., network card, modem, etc.) that enables the electronic device 700 to communicate with one or more other computing devices. Such communication may occur through an input/output (I/O) interface 792. Also, the electronic device 700 may communicate with one or more networks such as a Local Area Network (LAN), a Wide Area Network (WAN) and/or a public network, such as the Internet, through a network adapter 793. As shown, the network adapter 793 communicates with other modules of the electronic device 700 over the bus 730. It should be appreciated that although not shown, other hardware and/or software modules may be used in connection with electronic device 700, including, but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, data backup storage systems, and the like.

The processor 720 executes various functional applications and data processing by running programs stored in the memory 710.

It should be noted that, the implementation process and the technical principle of the electronic device in this embodiment refer to the foregoing explanation of the method for processing the bank acceptance bill in the embodiment of the disclosure, and are not repeated herein.

In an exemplary embodiment, a computer readable storage medium is also provided, such as a memory, comprising instructions executable by a processor of an electronic device to perform the asset securitization pooling method proposed by any of the embodiments described above. Alternatively, the computer readable storage medium may be ROM, random Access Memory (RAM), CD-ROM, magnetic tape, floppy disk, optical data storage device, etc.

In an exemplary embodiment, there is also provided a computer program product, including a computer program/instruction, characterized in that the computer program/instruction, when executed by a processor, implements the method for processing a bank acceptance ticket according to any of the above embodiments.

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This disclosure is intended to cover any adaptations, uses, or adaptations of the disclosure following the general principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.

It is to be understood that the present disclosure is not limited to the precise arrangements and instrumentalities shown in the drawings, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims (10)

1. A method for processing a bank acceptance bill, comprising the steps of:

acquiring a bank acceptance bill of unfinished money preparation in response to the set money preparation time;

preparing money for the bank acceptance bill according to the acceptance amount of the bank acceptance bill, wherein the prepared money amount of the prepared money is consistent with the acceptance amount;

acquiring deposit amount of a ticket issuing object of the bank acceptance ticket on a deposit account number of a bank and guarantee amount of the bank acceptance ticket of the ticket issuing object at the bank;

determining a first to-be-billed amount of the deposit account according to the deposit amount, the guaranteed amount and the reserve amount;

and executing account hanging processing on the deposit account according to the first account to be checked.

2. The method of claim 1, wherein the determining a first to-be-billed amount of the deposit account number based on the deposit amount, the guaranteed amount, and the reserve amount comprises:

adding the deposit amount and the guaranteed amount to obtain a target amount;

and in response to the target amount being smaller than the reserve amount, determining a first to-be-billed amount of the deposit account number according to the reserve amount and the target amount.

3. The method of claim 2, wherein the determining a first amount to be billed for the deposit account number from the reserve amount and the target amount in response to the target amount being less than the reserve amount comprises:

performing phase difference on the prepared money amount and the target money amount to obtain a difference value amount between the prepared money amount and the target money amount;

and taking the difference value as a first to-be-checked-out amount of the deposit account.

4. The method according to claim 2, wherein the method further comprises:

determining a target sub-amount from the target amount in response to the target amount being greater than or equal to the reserve amount; wherein the target sub-amount is the same as the reserve amount;

and deducting the target sub-amount from the deposit account number and/or the deposit to repay the reserve amount.

5. The method according to claim 1, wherein after the performing a billing process on the deposit account number of the ticketing object according to the amount to be billed, the method further comprises:

inquiring whether a first transfer amount exists in a deposit account number of the ticket issuing object or not in response to the arrival of a set account settling return time;

responding to the existence of a first transfer account number in a deposit account number of the ticket object, wherein the first transfer account number is larger than or equal to the first to-be-checked account number, and determining a first to-be-returned amount from the first transfer account number according to the first to-be-checked account number; wherein the first amount to be returned is the same as the first amount to be checked out;

and deducting the first amount to be returned from the deposit account number so as to carry out account-hanging return on the deposit account number.

6. The method of claim 5, wherein the method further comprises:

responding to the first transfer amount of the deposit account of the ticket object, wherein the first transfer amount is smaller than the first to-be-checked-out amount, and checking-out and returning the deposit account by adopting the first transfer amount;

determining a second amount to be billed according to the first amount to be billed and the first amount to be billed;

and executing account hanging processing on the deposit account according to the second account to be checked.

7. The method of claim 6, wherein the method further comprises:

in response to reaching a set money transfer time, determining a first money transfer amount according to the second money transfer amount;

and according to the first amount to be charged, charging the deposit account.

8. The method of claim 7, wherein the performing a deposit process on the deposit account number according to the first amount to be deposited comprises:

acquiring the service grade of the ticket issuing object;

determining the fund date of the deposit account number of the ticket issuing object according to the service grade;

and in response to the payment date being reached, performing payment processing on the deposit account number according to the first amount to be paid.

9. The method of claim 5, wherein the method further comprises:

determining a second money to be padded according to the first money to be checked out, wherein the first money to be checked out does not exist in the deposit account of the ticket issuing object and reaches the set money padded time;

and according to the second money amount to be paid, performing money payment processing on the deposit account.

10. The method according to claim 7 or 9, characterized in that the method further comprises:

responding to the set interest time, and calculating interest of the target money to be paid to obtain target interest; the target money amount to be paid comprises a first money amount to be paid or a second money amount to be paid;

updating the target money to be paid according to the target interest;

and (5) accounting the updated target money to be paid.