CN107945004B - Method and device for collecting accumulated fees - Google Patents
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Abstract
The invention provides a method and a device for collecting accumulated fees, wherein the method comprises the following steps: determining the charging fee type of a transaction request carried out by an account according to the pre-configured charging fee types of different transaction types of banks and the pre-configured charging fee types of different transaction types of the account; the types of fees charged include: a cumulative charge type and a non-cumulative charge type; when the charging fee type is determined to be the accumulated charging fee type, carrying out accumulated processing on the fee of the transaction request according to a fee accumulated charging reference value and a fee accumulated charging calculation method of the pre-configured accumulated charging fee type; and charging the accumulated fee of the account according to the pre-configured charging frequency and charging mode of the account. The technical scheme improves the flexibility and the accuracy of the accumulated charge.
Description
Technical Field
The invention relates to the technical field of fee collection, in particular to a method and a device for collecting accumulated fees.
Background
With the continuous development of information technology, the bank system becomes more and more a main data warehouse of bank customer information and transaction information, so higher and higher requirements are put forward on the flexibility of the bank system, wherein the flexible charging of the bank system becomes an important component.
In recent years, on one hand, the national charging policy is continuously adjusted and updated, and on the other hand, customers have more demands and expectations for bank charging services, so how to realize the charging mechanism of the bank system, meet customer experience, and improve the flexibility of the system becomes an increasingly prominent problem in the banking industry.
Therefore, a flexible mechanism is needed to implement the deployment of the charging mechanism of the banking system, and meet the requirements of national policy and customer experience.
At present, the accumulated charging modes of the existing banking system mainly include three types:
first, only manual charging is needed, for example, a certain customer goes to a bank to perform transfer service, the charging standard is met, 10 yuan of accumulated handling fee needs to be charged, and the charging is manually carried out in real time at a counter.
Second, some banks can automatically trigger a cumulative charge at the time of a transaction, but the cumulative charge for a fee is limited only to being charged all or not all at the time the transaction is made on an account, e.g., the transaction type must be set to a cumulative charge type all or set to a non-cumulative charge type all.
Third, if the charging fee type for a certain transaction type is set as a cumulative charging fee type, any account must be charged according to the fee accumulation when the charging fee is required for the transaction type, and the deduction frequency of the cumulative fee of all accounts is the same. For example, for the cross-bank transfer transaction type, all accounts must be uniformly set to a cumulative charge type or uniformly set to a non-cumulative charge type.
Disclosure of Invention
The embodiment of the invention provides a method for cumulatively collecting fees, which is used for improving the flexibility and the accuracy of cumulatively collecting the fees and comprises the following steps:
determining the charging fee type of a transaction request carried out by an account according to the pre-configured charging fee types of different transaction types of banks and the pre-configured charging fee types of different transaction types of the account; the types of fees charged include: a cumulative charge type and a non-cumulative charge type;
when the charging fee type is determined to be the accumulated charging fee type, carrying out accumulated processing on the fee of the transaction request according to a fee accumulated charging reference value and a fee accumulated charging calculation method of the pre-configured accumulated charging fee type;
and charging the accumulated fee of the account according to the pre-configured charging frequency and charging mode of the account.
The embodiment of the invention also provides a device for collecting the accumulated fees, which is used for improving the flexibility and the accuracy of the accumulated fee collection and comprises the following components:
the charging type determining unit is used for determining the charging type of the transaction request performed by the account according to the pre-configured charging types of different transaction types of the bank and the pre-configured charging types of different transaction types of the account; the types of fees charged include: a cumulative charge type and a non-cumulative charge type;
an accumulation processing unit, configured to, when the charging fee type is determined to be an accumulation charging fee type, perform accumulation processing on the fee of the transaction request according to a fee accumulation charging reference value of the accumulation charging fee type and a fee accumulation charging calculation method configured in advance;
and the cumulative fee collecting unit is used for collecting the cumulative fee of the account according to the pre-configured collecting frequency and collecting mode of the account.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the charge accumulation charging method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium storing a computer program for executing the above-mentioned fee accumulation charging method.
The technical scheme provided by the embodiment of the invention is as follows:
firstly, compared with the technical scheme that all transaction types in the prior art are required to be set as the accumulated charging type or all transaction types are required to be set as the non-accumulated charging type, the technical scheme provided by the embodiment of the invention can be used for pre-configuring the charging types of different transaction types of the bank into different types, so that the flexible configuration of the bank on the different charging types of all transaction types is realized;
secondly, compared with the technical scheme that all accounts are required to be uniformly set to be the accumulated charging type or the non-accumulated charging type in the prior art, the technical scheme provided by the embodiment of the invention can pre-configure the charging types of different transaction types of the accounts into different types, and realize the flexible configuration of the charging types of different transaction types by the accounts;
finally, when the charging fee type is determined to be an accumulated charging fee type, carrying out accumulated processing on the fee of the transaction request according to a fee accumulated charging reference value and a fee accumulated charging calculation method of the pre-configured accumulated charging fee type; and according to the pre-configured collection frequency and collection mode of the account, collecting the accumulated fee of the account, and realizing accurate collection of the accumulated fee.
In summary, the fee accumulation charging scheme provided by the embodiment of the invention improves the flexibility and accuracy of fee accumulation charging.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the invention and together with the description serve to explain the principles of the invention. In the drawings:
FIG. 1 is a schematic flow chart of a method for collecting cumulative charges according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a process for determining the type of charge and the accumulation of charges in an embodiment of the present invention;
FIG. 3 is a schematic flow chart illustrating the operation of determining the charging mode for charging the cumulative fee according to the embodiment of the present invention;
fig. 4 is a schematic structural diagram of a fee accumulation collecting device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in further detail with reference to the following embodiments and accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The inventors found the following technical problems with respect to the cumulative charge of fees:
1. the control method of the existing part of bank systems is simple and single, and cannot meet the requirement of the bank systems on flexibility of fee collection;
2. the control method of the existing part of bank systems is poor in flexibility and high in subsequent maintenance cost.
The inventor finds technical problems in the prior art, and provides a flexible fee accumulation and collection method, which obtains the fee collection information of the transaction and the detailed information of the transaction account when executing online transaction, and comprehensively judges the parameter information related to the transaction and the account to achieve the effect of accumulated fee collection. The fee accumulation charge scheme is described in detail below.
Fig. 1 is a schematic flow chart of a method for collecting accumulated fees according to an embodiment of the present invention, and as shown in fig. 1, the method includes the steps of:
step 101: determining the charging fee type of a transaction request carried out by an account according to the pre-configured charging fee types of different transaction types of banks and the pre-configured charging fee types of different transaction types of the account; the types of fees charged include: a cumulative charge type and a non-cumulative charge type;
step 102: when the charging fee type is determined to be an accumulated charging fee type, carrying out accumulated processing on the fee of the transaction request according to a fee accumulated charging reference value and a fee accumulated charging calculation method of the pre-configured accumulated charging fee type;
step 103: and charging the accumulated fee of the account according to the pre-configured charging frequency and charging mode of the account.
As can be seen from the flowchart 1, the technical solution provided by the embodiment of the present invention:
firstly, compared with the technical scheme that all transaction types in the prior art are required to be set as the accumulated charging type or all transaction types are required to be set as the non-accumulated charging type, the technical scheme provided by the embodiment of the invention can be used for pre-configuring the charging types of different transaction types of the bank into different types, so that the flexible configuration of the bank on the different charging types of all transaction types is realized;
secondly, compared with the technical scheme that all accounts are required to be uniformly set to be the accumulated charging type or the non-accumulated charging type in the prior art, the technical scheme provided by the embodiment of the invention can pre-configure the charging types of different transaction types of the accounts into different types, and realize the flexible configuration of the charging types of different transaction types by the accounts;
finally, when the charging fee type is determined to be an accumulated charging fee type, carrying out accumulated processing on the fee of the transaction request according to a fee accumulated charging reference value and a fee accumulated charging calculation method of the pre-configured accumulated charging fee type; and according to the pre-configured collection frequency and collection mode of the account, collecting the accumulated fee of the account, and realizing accurate collection of the accumulated fee.
In summary, the fee accumulation charging scheme provided by the embodiment of the invention improves the flexibility and accuracy of fee accumulation charging.
The flexible fee accumulation charging method provided by the embodiment of the invention mainly comprises the following steps: setting the accumulated information of the bank on the transaction type: including transaction charge type, number, etc., accumulator usage for the charge, accumulator type; setting accumulated information of the account, including: account accumulator usage information, accumulation receiving frequency, accumulation receiving mode, etc.; triggering corresponding control processing, namely accumulation processing, according to the accumulation information set by the account and the transaction; the automatic charging of the accumulated fee in batches or the charging of the accumulated fee by the online transaction is realized according to different accumulated charging period settings.
Before implementing the present invention, the bank can pre-configure the charging types of different transaction types into different types according to the national requirements, so as to realize the flexible configuration of the bank to different charging types of all transaction types, and the pre-configuring of the charging types of different transaction types by the bank can include: configuring transaction charging information: the method refers to the type and number of charges triggered by transaction, a charge calculation method, a charge reference value and a charge time point. Configuring fee accumulation information: the number of the accumulator corresponding to the specific charging type and the starting condition of the accumulator are indicated.
Before the implementation of the invention, the different types of the charge types of the different transaction types of the account can be pre-configured into different types, the flexible configuration of the charge types of the different transaction types of the account is realized, the counter application can be carried out according to different customizations of users, the counter personnel can set up check on the webpage, and the flexible configuration of the charge types of the different transaction types of the account can comprise: configuring information such as the starting condition of each accumulator of the account, the accumulated cost in each accumulator and the like; the accumulator is configured to collect frequency, collect route (batch or online).
In one embodiment, determining the type of charge for the transaction request made by the account based on the preconfigured types of charge for the different transaction types for the bank and the preconfigured types of charge for the different transaction types for the account may include:
when the current transaction request is judged to belong to the charging fee type, reading the charging fee types of different transaction types of the preset bank and the charging fee types of different transaction types of the preset account;
matching the accumulator identifier corresponding to the charging fee type of the transaction request with the accumulator identifier corresponding to the charging fee type of the transaction request of the account according to the charging fee types of different transaction types of a preset bank and the charging fee types of different transaction types of a preset account;
and when the accumulator identification corresponding to the charging fee type of the transaction request is consistent with the accumulator identification corresponding to the charging fee type of the transaction request of the account, determining the charging fee type of the transaction request as an accumulated charging fee type.
In one embodiment, when determining that the charging fee type is a cumulative charging fee type, performing cumulative processing on the fee of the transaction request according to a pre-configured fee cumulative charging reference value of the cumulative charging fee type and a fee cumulative charging calculation method may include:
reading a fee accumulated charging reference value and a fee accumulated charging calculation method of a preset accumulated charging type when the charging type is determined to be the accumulated charging type;
accumulating the transaction amount of the transaction request when the charge accumulation charge reference value is a preset accumulated amount, and calculating the accumulated charge according to a charge accumulation charge calculation method when the accumulated amount is judged to reach the preset accumulated amount;
and when the accumulated transaction times after accumulation are judged to reach the preset accumulated transaction times, calculating the accumulated fee according to a fee accumulated charge calculation method.
In specific implementation, the reference value of the accumulated charge may be accumulated according to the amount of money, or may be accumulated according to the number of times, for example, the accumulated charge is accumulated to 1 ten thousand, or the accumulated charge is accumulated to 10 times to collect the accumulated charge.
In one embodiment, charging the cumulative fee of the account according to the pre-configured charging frequency and charging mode of the account may include:
judging according to the pre-configured account receiving frequency, and reading the pre-configured account receiving mode when the preset receiving time is reached; the collection mode comprises the following steps: an online processing mode and a batch processing mode;
when the collecting mode is judged to be the online processing mode, the accumulated expense of the account is collected by using the online processing mode;
and when the collection mode is judged to be the batch processing mode, collecting the accumulated expense of the account by using the batch processing mode.
The following detailed description is provided in conjunction with fig. 2 and 3 to facilitate an understanding of how the present invention may be practiced.
In a specific implementation, as shown in fig. 2, the determining of the charging fee type of the transaction request performed by the account in step 101 and the accumulating process in step 102 may specifically include:
checking whether the basic charge configuration is provided with an accumulator after matching the charge to be collected, matching the configuration condition of the account accumulator if the accumulator is provided, and accumulating the charge if the accumulator number configured by the account number is the same as the accumulator set for the charge to be collected in the transaction.
Secondly, calculating the charging amount of the fee, and recording the specific details of the accumulated fee in the fee detail table, wherein the specific details comprise transaction codes, the fee amount, the fee name, the fee codes and the like.
And thirdly, updating the accumulated expense amount of the corresponding accumulator of the account, wherein the following check is needed during updating: if the fee is the batch deduction date and the batch deduction is not carried out, the fee is accumulated to the deduction amount, otherwise, the fee is accumulated to the deducted amount.
And fourthly, recording the details of the subjects which should not be collected and are collected in the accumulated charge to the subjects which are collected, wherein the record comprises information such as the charge amount, the account bank, the transaction bank and the like.
In a specific implementation, as shown in fig. 3, the process of collecting the cumulative fee in step 103 may specifically include:
selecting batch in a receiving mode:
a, batch every day, checking a charging event table, reading account layer accumulated data information if a batch deduction event of accumulated charging is triggered, and determining whether to execute deduction (charging) of the current account according to a deduction period and the last deduction date.
B, if the account needs to be deducted, checking the accumulated charging amount in the previous period: if the accumulated charge is larger than 0, deducting the accumulated charge, updating the current accumulated charge amount to the previous accumulated charge amount, and initializing the current accumulated charge amount to be 0; if the current accumulated charging amount is equal to 0, updating the current accumulated charging amount to the previous accumulated charging amount, and initializing the current accumulated charging amount to be 0.
If the deduction (collection) mode is selected, the deduction of the fee is completed by using the online transaction according to the account accumulated data information, the account accumulated amount information is updated, and the specific updating step is the same as batch deduction.
In a specific implementation, the receiving frequency may include: once every 10 strokes, quarterly, monthly, etc.
Based on the same inventive concept, the embodiment of the present invention further provides a device for collecting accumulated fees, as in the following embodiments. Since the principle of the device for collecting accumulated fees for solving the problem is similar to the method for collecting accumulated fees, the method for collecting accumulated fees can be referred to and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 4 is a schematic structural view of a fee accumulation collecting apparatus according to an embodiment of the present invention, as shown in fig. 4, the apparatus including:
a charging fee type determining unit 02 for determining a charging fee type of a transaction request made by an account according to the pre-configured charging fee types of different transaction types of the bank and the pre-configured charging fee types of different transaction types of the account; the types of fees charged include: a cumulative charge type and a non-cumulative charge type;
an accumulation processing unit 04, configured to, when it is determined that the charging fee type is an accumulation charging fee type, perform accumulation processing on the fee of the transaction request according to a fee accumulation charging reference value and a fee accumulation charging calculation method of a preset accumulation charging fee type;
and the cumulative charge collecting unit 06 is used for collecting the cumulative charge of the account according to the pre-configured collecting frequency and collecting mode of the account.
In one embodiment, the charging fee type determining unit may be specifically configured to:
when the current transaction request is judged to belong to the charging fee type, reading the charging fee types of different transaction types of the preset bank and the charging fee types of different transaction types of the preset account;
matching the accumulator identifier corresponding to the charging fee type of the transaction request with the accumulator identifier corresponding to the charging fee type of the transaction request of the account according to the charging fee types of different transaction types of a preset bank and the charging fee types of different transaction types of a preset account;
and when the accumulator identification corresponding to the charging fee type of the transaction request is consistent with the accumulator identification corresponding to the charging fee type of the transaction request of the account, determining the charging fee type of the transaction request as an accumulated charging fee type.
In one embodiment, the accumulation processing unit may be specifically configured to:
reading a fee accumulated charging reference value and a fee accumulated charging calculation method of a preset accumulated charging type when the charging type is determined to be the accumulated charging type;
accumulating the transaction amount of the transaction request when the charge accumulation charge reference value is a preset accumulated amount, and calculating the accumulated charge according to a charge accumulation charge calculation method when the accumulated amount is judged to reach the preset accumulated amount;
and when the accumulated transaction times after accumulation are judged to reach the preset accumulated transaction times, calculating the accumulated fee according to a fee accumulated charge calculation method.
In one embodiment, the cumulative fee charging unit may be specifically configured to:
judging according to the pre-configured account receiving frequency, and reading the pre-configured account receiving mode when the preset receiving time is reached; the collection mode comprises the following steps: an online processing mode and a batch processing mode;
when the collecting mode is judged to be the online processing mode, the accumulated expense of the account is collected by using the online processing mode;
and when the collection mode is judged to be the batch processing mode, collecting the accumulated expense of the account by using the batch processing mode.
The technical scheme provided by the implementation of the invention has the beneficial technical effects that:
1. multidimensional control is achieved, and control is perfect: the fee accumulation and collection method provided by the invention can carry out omnibearing and flexible accumulated fee collection by setting multi-dimensional accumulated information according to different customization requirements of customers.
2. The subsequent maintenance cost is low: related information can be set through parameters, and only parameters need to be adjusted if the related information needs to be changed in the system maintenance process, and version development work is not needed.
It will be apparent to those skilled in the art that the modules or steps of the embodiments of the invention described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and alternatively, they may be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, and in some cases, the steps shown or described may be performed in an order different than that described herein, or they may be separately fabricated into individual integrated circuit modules, or multiple ones of them may be fabricated into a single integrated circuit module. Thus, embodiments of the invention are not limited to any specific combination of hardware and software.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes may be made to the embodiment of the present invention by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (6)
1. A method for cumulatively collecting a fee, comprising:
determining the charging fee type of a transaction request carried out by an account according to the pre-configured charging fee types of different transaction types of banks and the pre-configured charging fee types of different transaction types of the account; the types of fees charged include: a cumulative charge type and a non-cumulative charge type;
when the charging fee type is determined to be an accumulated charging fee type, carrying out accumulated processing on the fee of the transaction request according to a fee accumulated charging reference value and a fee accumulated charging calculation method of the pre-configured accumulated charging fee type;
according to a pre-configured charging frequency and a charging mode of an account, charging the accumulated fee of the account;
according to the pre-configured charging frequency and charging mode of the account, the charging of the accumulated fee of the account comprises the following steps: judging according to the pre-configured account receiving frequency, and reading the pre-configured account receiving mode when the preset receiving time is reached; the collection mode comprises the following steps: an online processing mode and a batch processing mode; when the collection mode is judged to be the online processing mode, collecting the accumulated expense of the account by using the online processing mode; when the receiving mode is judged to be a batch processing mode, the accumulated cost of the account is received by using the batch processing mode;
when the charging fee type is determined to be an accumulated charging fee type, the accumulated charging fee processing method is used for carrying out accumulated processing on the fee of the transaction request according to a fee accumulated charging reference value and a fee accumulated charging calculation method of the pre-configured accumulated charging fee type, and the accumulated charging fee processing method comprises the following steps:
reading a fee accumulated charging reference value and a fee accumulated charging calculation method of a preset accumulated charging type when the charging type is determined to be the accumulated charging type;
when the accumulated charge reference value is a preset accumulated amount, accumulating the transaction amount of the transaction request, and when the accumulated amount is judged to reach the preset accumulated amount, calculating the accumulated charge according to the accumulated charge calculation method;
when the fee accumulated charging reference value is a preset accumulated transaction number, accumulating the transaction number of the transaction request of the account, and when the accumulated transaction number is judged to reach the preset accumulated transaction number, calculating the accumulated fee according to the fee accumulated charging calculation method;
the reference value of the cumulative charge is a cumulative charge per the amount of money or a cumulative charge per the number of times.
2. The method for cumulatively collecting fees according to claim 1, characterized in that the determining of the type of collection fee of the transaction request made by the account based on the types of collection fee of the different transaction types of the pre-configured bank and the types of collection fee of the different transaction types of the pre-configured account comprises:
when the current transaction request is judged to belong to the charging fee type, reading the charging fee types of different transaction types of the preset bank and the charging fee types of different transaction types of the preset account;
matching the accumulator identifier corresponding to the charging fee type of the transaction request with the accumulator identifier corresponding to the charging fee type of the transaction request of the account according to the charging fee types of different transaction types of a preset bank and the charging fee types of different transaction types of the preset account;
and when the accumulator identification corresponding to the charging fee type of the transaction request is consistent with the accumulator identification corresponding to the charging fee type of the transaction request of the account, determining that the charging fee type of the transaction request is the accumulated charging fee type.
3. A fee accumulation collection device, comprising:
the charging type determining unit is used for determining the charging type of the transaction request performed by the account according to the pre-configured charging types of different transaction types of the bank and the pre-configured charging types of different transaction types of the account; the types of fees charged include: a cumulative charge type and a non-cumulative charge type;
an accumulation processing unit, configured to, when it is determined that the charging fee type is an accumulation charging fee type, perform accumulation processing on a fee of the transaction request according to a fee accumulation charging reference value and a fee accumulation charging calculation method of a preset accumulation charging fee type;
the device comprises an accumulated fee collecting unit, a charging unit and a charging unit, wherein the accumulated fee collecting unit is used for collecting the accumulated fee of an account according to a pre-configured collecting frequency and a collecting mode of the account;
the accumulation processing unit is specifically configured to:
reading a fee accumulated charging reference value and a fee accumulated charging calculation method of a preset accumulated charging type when the charging type is determined to be the accumulated charging type;
when the accumulated charge reference value is a preset accumulated amount, accumulating the transaction amount of the transaction request, and when the accumulated amount is judged to reach the preset accumulated amount, calculating the accumulated charge according to the accumulated charge calculation method;
when the fee accumulated charging reference value is a preset accumulated transaction number, accumulating the transaction number of the transaction request of the account, and when the accumulated transaction number is judged to reach the preset accumulated transaction number, calculating the accumulated fee according to the fee accumulated charging calculation method;
the reference value of the cumulative charge is a cumulative charge per the amount of money or a cumulative charge per the number of times.
4. The accumulated fee collection device according to claim 3, wherein the collection fee type determination unit is specifically configured to:
when the current transaction request is judged to belong to the charging fee type, reading the charging fee types of different transaction types of the preset bank and the charging fee types of different transaction types of the preset account;
matching the accumulator identifier corresponding to the charging fee type of the transaction request with the accumulator identifier corresponding to the charging fee type of the transaction request of the account according to the charging fee types of different transaction types of a preset bank and the charging fee types of different transaction types of the preset account;
and when the accumulator identification corresponding to the charging fee type of the transaction request is consistent with the accumulator identification corresponding to the charging fee type of the transaction request of the account, determining that the charging fee type of the transaction request is the accumulated charging fee type.
5. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 2 when executing the computer program.
6. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 2.
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