CN112348491A

Movatterモバイル変換

Info

Publication number: CN112348491A
Application number: CN202110005272.0A
Authority: CN
Inventors: 刘伟光; 刘新军
Original assignee: Irootech Technology Co ltd
Current assignee: Rootcloud Technology Co Ltd
Priority date: 2021-01-05
Filing date: 2021-01-05
Publication date: 2021-02-09
Anticipated expiration: 2041-01-05
Also published as: CN112348491B

Abstract

The invention provides a method, a device and a server for determining resource transaction details, wherein the method comprises the following steps: acquiring resource feedback information generated when the second-level user feeds back the second resource to the first-level user; determining a target score model from the score models, and identifying the use information of the second resource according to the resource feedback information; and performing a grading operation on the second resource based on the target grading model and the use information to obtain transaction detail information of the second resource relative to the first resource. The invention can effectively improve the timeliness of the resource transaction clearing, reduce the labor cost and obviously reduce the misoperation rate.

Description

Resource transaction detail determination method and device and server

Technical Field

The invention relates to the technical field of internet, in particular to a method, a device and a server for determining resource transaction details.

Background

With the development of the industrial internet, various network transaction platforms (such as rental platforms) have been proposed to facilitate users to complete transactions such as fund purchases, fund rentals, or exchange for things on the network. Taking a leasing platform as an example, the leasing platform provides resources such as industrial equipment for a lessee, the lessee pays funds to the leasing platform, when the leasing platform receives the funds paid by the lessee, the lessee can not pay corresponding funds on line, and the funds need to be transferred to the leasing platform in a mode of internet banking or intelligent connection, so that the leasing platform can not associate the received funds with a leasing order, and the corresponding relation between the funds and the industrial equipment can not be identified, thereby greatly reducing the timeliness of credit, and in addition, because the prior art adopts a manual credit method, the problems of high labor cost, high misoperation rate and the like can be caused.

Disclosure of Invention

In view of this, the present invention provides a method, an apparatus, and a server for determining resource transaction details, which can effectively improve timeliness of resource transaction clearing, reduce labor cost, and significantly reduce a mishandling rate.

In a first aspect, an embodiment of the present invention provides a method for determining resource transaction details, which is applied to a server, where the server stores a primary user corresponding to a first resource party and a secondary user corresponding to a second resource party, and the server is further configured with at least one score clearing model, where the first resource party provides a first resource to the second resource party, and the second resource party feeds back a second resource to the primary user through the secondary user based on the first resource, and the method includes: acquiring resource feedback information generated when the secondary user feeds back the second resource to the primary user; determining a target score model from each score model, and identifying usage information of the second resource according to the resource feedback information; and performing a liquidation operation on the second resource based on the target liquidation model and the use information to obtain the transaction detail information of the second resource relative to the first resource.

In one embodiment, the step of identifying the usage information of the second resource according to the resource feedback information includes: judging whether the secondary user feeds back the second resource to the primary user for the first time or not based on the resource feedback information; if yes, generating a resource feedback plan for the secondary user to feed back the second resource to the primary user; the resource feedback plan is used for representing the feedback time limit and the target resource quantity of the second resource fed back to the primary user by the secondary user; determining usage information for the second resource based on the resource feedback plan.

In one embodiment, the step of performing an inventory operation on the second resource based on the target inventory model and the usage information to obtain transaction detail information of the second resource relative to the first resource includes: calculating the total amount of the resources to be fed back based on the target resource amount and the historical detail information; and performing a sorting operation on the second resource based on the total amount of the resource to be fed back, the target sorting model and the use information to obtain transaction detail information of the second resource relative to the first resource.

In one embodiment, the method further comprises: responding to the modification operation of the user on the transaction detail information, and acquiring the modification data of the user on the transaction detail information to obtain modified transaction detail information; calculating a modified resource amount based on the modification data; and if the modified resource amount is equal to the resource feedback amount, storing the modified transaction detail information.

In one embodiment, the method further comprises: responding to the query operation of a user for the first resource party, and displaying one or more of the second resource party corresponding to the first resource party, the historical feedback information of the second resource party, the resource feedback plan of the second resource party, and the total amount of the resources to be fed back of the second resource party.

In one embodiment, the method further comprises: responding to a payment operation of a user for the second resource, and acquiring use information of the second resource sent by the user; initiating a use confirmation prompt to the user based on the money confirmation resource amount of the money confirmation operation; and if the confirmation operation of the user for the purpose confirmation prompt feedback is received, saving the purpose information of the second resource.

In a second aspect, an embodiment of the present invention further provides an apparatus for determining resource transaction details, where the apparatus is applied to a server, where the server stores a primary user corresponding to a first resource party and a secondary user corresponding to a second resource party, and the server is further configured with at least one score clearing model, where the first resource party provides a first resource to the second resource party, and the second resource party feeds back a second resource to the primary user through the secondary user based on the first resource, and the apparatus includes: the information acquisition module is used for acquiring resource feedback information generated when the secondary user feeds the second resource back to the primary user; the purpose identification module is used for determining a target score model from the score models and identifying the purpose information of the second resource according to the resource feedback information; and the clearing module is used for performing clearing operation on the second resource based on the target clearing model and the use information to obtain the transaction detail information of the second resource relative to the first resource.

In a third aspect, an embodiment of the present invention further provides a server, including a processor and a memory; the memory has stored thereon a computer program which, when executed by the processor, performs the method of any one of the aspects as provided in the first aspect.

In a fourth aspect, an embodiment of the present invention further provides a computer storage medium for storing computer software instructions for use in any one of the methods provided in the first aspect.

The method, the device and the server provided by the embodiment of the invention are applied to a server storing a first level user corresponding to a first resource party and a second level user corresponding to a second resource party, the server is also provided with at least one clearing model, wherein the first resource party provides a first resource for the second resource party, the second resource party feeds back a second resource to the first level user through the second level user based on the first resource, the server firstly obtains resource feedback information generated when the second level user feeds back the second resource to the first level user, determines a target clearing model from each clearing model, identifies the use information of the second resource according to the resource feedback information, and then performs clearing operation on the second resource based on the target clearing model and the use information, and obtaining the transaction detail information of the second resource relative to the first resource. The method is characterized in that the server is provided with the clearing model, and when the resource feedback information is received, the second resource can be cleared by using the use information and the target clearing model which are obtained based on the resource feedback information identification, so that the transaction detail information is obtained.

Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.

In order to make the aforementioned and other objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with figures are described in detail below.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.

Fig. 1 is a flowchart illustrating a method for determining resource transaction details according to an embodiment of the present invention;

FIG. 2 is a schematic diagram of a rental platform according to an embodiment of the present invention;

FIG. 3 is a schematic diagram of an interface for performing a score clearing operation according to an embodiment of the present invention;

FIG. 4 is a modification interface for transaction detail information according to an embodiment of the present invention;

FIG. 5 is a schematic diagram of a query interface according to an embodiment of the present invention;

fig. 6 is a schematic flow chart of manual payment according to an embodiment of the present invention;

fig. 7 is a schematic structural diagram of an apparatus for determining resource transaction details according to an embodiment of the present invention;

fig. 8 is a schematic structural diagram of a server according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions of the present invention will be clearly and completely described below with reference to the embodiments, and it is obvious that the described embodiments are some, but not all embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

At present, a rental platform needs to manually determine the corresponding relation between rent and industrial equipment, so that the sorting timeliness is low, the labor cost is high, and the problem of high misoperation rate exists. Based on the method, the device and the server for determining the resource transaction detail, the timeliness of clearing the resource transaction can be effectively improved, the labor cost is reduced, and meanwhile, the misoperation rate is obviously reduced.

For the understanding of the present embodiment, first, a method for determining resource transaction details disclosed in the present embodiment will be described in detail, the method is applied to a server, the server stores a first-level user corresponding to a first resource party and a second-level user corresponding to a second resource party, wherein the first resource side provides the first resource to the second resource side, the second resource side feeds back the second resource to the primary user through the secondary user based on the first resource, for example, the first resource party is a rental company, the second resource party is a lessee or an asset management company, the rental company can provide the first resource such as funds, premises, vehicles, or industrial equipment to the lessee, the lessee can pay the second resource such as funds or equivalent items to the rental company based on the first resource provided by the rental company, or the asset company can pay the second resource such as funds or equivalent items instead. In addition, the first-level user of the first resource side can be called a settlement user, and the second-level user of the second resource side can be called a second-level virtual user. In addition, the server is also provided with at least one score clearing model, and the score clearing model can be understood as a rule according to which the server executes intelligent scoring. On this basis, referring to a flow diagram of a method for determining resource transaction details shown in fig. 1, the method mainly includes the following steps S102 to S106:

and step S102, acquiring resource feedback information generated when the secondary user feeds back the second resource to the primary user. The resource feedback information may include one or more of an identifier of the primary user, an identifier of the secondary user, a resource feedback amount of the second resource, and a usage description. In an implementation manner, taking the second resource as the fund as an example, when the second-level user pays the fund to the first-level user, the cooperative bank may generate corresponding resource feedback information, and push the resource feedback information to the server, and the server may obtain the resource feedback information.

And step S104, determining a target score model from the score models, and identifying the use information of the second resource according to the resource feedback information. The second resource is fund, and the usage description information may include various uses such as deposit, first payment or rent. In one embodiment, each score model may be presented to a user, and the score model selected by the user may be used as a target score model, and in another embodiment, corresponding score models may be configured for different second resource parties, so that the score model corresponding to the second resource party is automatically selected as the target score model. In addition, since the resource feedback information may include a usage description, the embodiment of the present invention may directly obtain usage information of the second resource based on the usage description, optionally, a resource feedback plan may be generated based on the resource feedback information, where the resource feedback plan may be used to represent a feedback term and a target resource amount of the second resource fed back to the primary user by the secondary user, and may further include usage information corresponding to each feedback term, for example, the usage information corresponding to the first feedback term includes a deposit, a guarantee deposit, a first payment deposit, and the like, and the usage information corresponding to the remaining feedback terms includes a rent and the like.

And S106, performing a sorting operation on the second resource based on the target sorting model and the use information to obtain the transaction detail information of the second resource relative to the first resource. In which the first resource may include a plurality of first sub-resources, such as 10 industrial devices provided by the first resource to the second resource, each industrial device will be used as one first sub-resource, and the embodiment of the present invention will determine a corresponding relationship between the second resource and each first sub-resource based on the target liquidation model and the usage information, and use the corresponding relationship as the transaction detail information of the second resource relative to the first resource.

The server is provided with the score clearing model, and when the resource feedback information is received, the second resource can be cleared by using the use information obtained based on the resource feedback information identification and the target score clearing model, so that the transaction detail information is obtained.

To facilitate understanding of the above embodiments, the embodiments of the present invention take the first resource party as a leasing company, the second resource party as a lessee and an asset management company as examples, and provide a leasing platform, which runs in a server, with reference to a system diagram of a leasing platform shown in fig. 2, the leasing platform includes a settlement account of the first resource party and a secondary virtual account of the second resource party corresponding to the first resource party, fig. 2 illustrates that companies belonging to the leasing company, the asset management company and the leasing platform need to close a counter to open a settlement account in a cooperative bank, specifically, the leasing company opens the settlement account of the leasing company, the asset management company opens the settlement account of the asset management company, the settlement account of the platform company belonging to the leasing platform, the leasing platform further opens the secondary virtual account of the lessee online and receives the opening result, in practical applications, the leasing platform will interact with the cooperative bank with account opening information such as SPV (Special Purpose Vehicle) account number, lessee name, certificate number, legal name, legal certificate number, etc., and fig. 2 also illustrates the correspondence between the leaser company account and a plurality of lessees (including lessee a, lessee B, lessee C and asset management company D). In specific implementation, the leasing platform also acquires resource feedback information (also called posting running or posting information) between the lessee and the account settling account of the leasing company.

In practical applications, the settlements of the first resource parties need to be opened at the bank temporary cabinet or the bank client manager, and the settlements need to meet the strict regulation of the cooperative bank, and the settlements are used for fund settlement among cooperative institutions. The second-level virtual account of the second resource party is automatically established on the leasing platform, the leasing platform pushes account opening information to the cooperative bank through an interface provided by the cooperative bank, so that the cooperative bank establishes second-level virtual accounts corresponding to the second resource parties based on the account opening information, the leasing platform also receives account opening results fed back by the cooperative bank, the second-level virtual accounts are only used for distinguishing accounts, and no other account attributes exist. The asset management company can be understood as an asset base, and needs to make a payment for a second resource (such as a overdue part of rent) which is not yet expired by the lessee, and pay the overdue part of the rent to the lease company in the feedback term, so that the asset management company needs to open a secondary virtual user for payment on line under the term of a lease company account. In addition, the cooperative bank can push the account information of all the virtual accounts to the leasing platform so as to facilitate the leasing platform to perform subsequent money-identifying operation and score-clearing operation, the leasing platform can not feed back an operation result to the cooperative bank, can not modify the account information pushed by the cooperative bank, and can not influence the account monitoring compliance of the cooperative bank.

The rental platform shown in fig. 2 is the basis for subsequent operations. On the basis of fig. 2, an embodiment of the present invention provides an implementation manner that uses information of a second resource is identified according to resource feedback information, (1) whether a secondary user feeds back the second resource to a primary user for the first time is determined based on the resource feedback information. In an embodiment, the resource feedback information includes an identifier of the primary user and an identifier of the secondary user, and whether the secondary user feeds back the second resource to the primary user for the first time can be known by searching in the history feedback information based on the identifier of the virtual account. (2) And if so, generating a resource feedback plan for the secondary user to feed back the second resource to the primary user, wherein the resource feedback plan is used for representing a feedback time limit and a target resource amount of the second resource fed back by the secondary user to the primary user, the feedback time limit can be understood as a repayment date, and the target resource amount can be understood as a rent. (3) The usage information of the second resource is determined based on the resource feedback plan, for example, if the second user feeds back the second resource to the first user for the first time, the usage information of the second resource may include a deposit, a guarantee fund and a first payment fund, and if the second user does not feed back the second resource to the first user for the first time, the usage information of the second resource may include a current rent, and may further include a late fund or an overdue rent.

In practical application, for a second resource (also called as a first payment) fed back to a first-level user by a second-level user for the first time, a lessee finishes signing after a lease order passes approval, a lease platform informs the lessee of the detail and the amount of the subject of the first payment (such as 1000 yuan deposit, 1000 yuan guarantee deposit and 3000 yuan first payment), the lessee pays the first payment to a settlement account of a lease company through a cooperative bank, the cooperative bank pushes account-entering information to the lease platform in real time, and the lease platform automatically checks the account-entering flow according to the subject configuration and the account-entering rule of the first payment of the lease order and executes a payment operation and generates a resource feedback plan (also called as a refund plan) so as to facilitate subsequent clearing and distributing operations.

For example, the user selects the posting flow of the rental company, looks up the available amount of posting, and makes the posting amounts to be "deposit", and "first payment", respectively. If the selected one of the posting flows can cover the initial payment amount (the initial payment amount = deposit + guarantee deposit + initial payment), the available amount of the posting flow is correspondingly reduced, wherein the available amount = posting amount-initial payment amount; if more than two posting flows are selected for confirmation of the primary payment amount, the available amount of the posting flows other than the last posting flow is 0, and the available amount of the last posting flow = the sum of all the selected posting amounts-the primary payment amount. For ease of understanding, the embodiments of the present invention provide the following examples 1 to 2. Example 1: the deposit is 1000 yuan, the guarantee fund is 1000 yuan, the first payment is 3000 yuan, if the posting amount of the posting flowing water A is 5500 yuan, the posting flowing water can cover the first payment amount, and the available amount of the posting flowing water is =5500-5000=500 yuan. Example 2: the deposit is 1000 yuan, the guarantee deposit is 1000 yuan, the first payment is 3000 yuan, if the posting amount of the posting running water A is 3000 yuan, the posting amount of the posting running water B is 2500 yuan, namely the posting amount of the two posting running water can cover the first payment amount, at this time, after the posting running water A is completely confirmed, confirmation is carried out by crossing the posting running water B, the confirmation result is that the available amount of the posting running water A is =0, and the available amount of the posting running water B is = (3000 + 2500) -5000=500 yuan.

In addition, the embodiment of the present invention further provides a resource feedback plan, as shown in table 1 below:

TABLE 1

			Suppose the initial lease date is 1 month and 6 days, and every monthLease date is 25
				Plan to alsoRenting day	Should alsoRent out	Description of rent	Date corresponding to rent
2020/1/6	240	Normal one month rent	Paying a one-month rent with a rent date of2 month and 1 day to 2 month and 28 days
				2020/2/25	441.29	Paying a rent of 1 month 5 days to 1 month 31 days plus a normal monthRent out	1.6-1.31 and 3.1-3.31
2020/3/25	240	Normal one month rent	4.1-4.30
				2020/4/25	240	Normal one month rent	5.1-5.31
2020/5/25	240	Normal one month rent	6.1-6.30
				2020/6/25	240	Normal one month rent	7.1-7.31
2020/7/25	240	Normal one month rent	8.1-8.31
				2020/8/25	240	Normal one month rent	9.1-9.30
2020/9/25	240	Normal one month rent	10.1-10.31
				2020/10/25	240	Normal one month rent	11.1-11.30
2020/11/25	240	Normal one month rent	12.1-12.31
				2020/12/25	38.71	The rent paid in 12 months and 25 days is the rent of one month minus No. 1 month and No. 6That portion; the sum of the first period and the last period is 290 yuan	1.1-1.5

For the foregoing step S106, an embodiment of the present invention provides an implementation manner of performing a liquidation operation on the second resource based on the target liquidation model and the usage information to obtain transaction detail information of the second resource relative to the first resource, which may be referred to as the followingsteps 1 to 2:

step 1, calculating the total amount of the resources to be fed back based on the target resource amount and the historical detail information. The historical detail information can be understood as transaction detail information obtained after the historical posting running water is subjected to payment and liquidation, and the historical detail information can reflect whether overdue rent or late fund and the like exist in the historical posting running water. In practical applications, there are the following situations: principal > first term rent, principal = first term rent, principal < first term rent. In one embodiment, if the first payment is less than the first rental, after the first rental after the clearing is finished, the overdue late funds are calculated by days for the overdue parts of the partial rental devices (after the sequential clearing), and the rule is that the late funds (i.e., the total amount of resources to be fed back) = the late funds after the last calculation + the late payment after the current clearing (target resource amount-resource feedback amount) = the rate of the late funds (per day) days, and the number of days is the difference between the end of the previous clearing day and the current clearing day, for example, the clearing operation is performed every day, the number of days is 1, the target resource amount may also be referred to as the receivable rental, and the resource feedback amount may also be referred to as the real rental. In another embodiment, if the first payment is greater than the first term rent, the first payment is suspended for the remainder of the first term plan for all equipment placed on the order.

And 2, performing a sorting operation on the second resource based on the total amount of the resource to be fed back, the target sorting model and the use information to obtain transaction detail information of the second resource relative to the first resource. Wherein the first resource comprises at least one first sub-resource, e.g. comprising a plurality of rental devices; the target liquidation model is used for representing various types of use information of the second resource and/or liquidation priorities of the first sub-resources, optionally, the target liquidation model may include priorities of overdue rent, late fund and present rent, for example, the liquidation priority of the use information is the overdue rent, the late fund and the present rent from high to low, and the target liquidation model may also include priorities of the rented equipment, such as setting the priorities according to the number of the rented equipment from large to small (or from small to large).

The embodiment of the invention provides an implementation mode for performing a score clearing operation on a second resource based on the total amount of the resource to be fed back, a target score clearing model and usage information to obtain detailed information of the second resource relative to a first resource, which comprises the following steps 2.1 to 2.2:

and 2.1, if the resource feedback amount of the second resource is greater than or equal to the total amount of the resource to be fed back, determining the corresponding relation between the second resource of the total amount of the resource to be fed back and each first sub-resource based on the use information, obtaining the transaction detail information of the second resource of the total amount of the resource to be fed back relative to the first resource, and performing account posting processing on the rest of the second resource. If the first payment is larger than the first-period rent, the rest is subjected to account hanging treatment except that the first-period rent of all equipment in the first-period plan is cleared and distributed. The tally for the posting section begins at the current rental 0: and 00, automatically clearing the current due rent by using an automatic task, for example, the repayment date of each configured repayment period is 25 days, repayment is carried out monthly, the plan of the first period is 2020-1-8 days, the repayment is already carried out when the plan is generated, and 0 of 26 days of each month is started from 2020-2-25 days of the second period: and (00) automatically taking out the fund of the amount which should be returned in the period from the account amount to be subjected to clearing of the period, and performing overdue treatment on the part of rent which should be collected and the part of real rent collected if the amount is not enough. All automatic scores are always executed before manual scores in the early morning, and the manual scores are not influenced.

And 2.2, if the resource feedback quantity of the second resource is less than the total quantity of the resources to be fed back, determining the corresponding relation between the second resource and each first sub-resource based on the use information, the clearing priority of the use information and the clearing priority of the first sub-resources, and obtaining the transaction detail information of the second resource relative to the first resource. The embodiment of the invention provides an application example for determining transaction detail information, and a target clearing model is assumed to be provided with a repayment sequence, a late fund sequence and a clearing sequence. The repayment sequence is that the overdue rent is firstly paid and then the current rent is paid, and all past overdue rent of the lessee is preferentially sorted when the scores are sorted; the sequence of late deposit is that the late deposit is first and then the deposit is rented, when the late deposit is overdue after the clearing period, the late deposit is preferentially returned, and then the overdue deposit is returned; the clearing sequence refers to the clearing of the rent in the current period is the sequence clearing according to the number sequence sufficiency of the lease order and the lease equipment, and the rule is applicable to the accounting processing in the current period, namely, the embodiment of the invention adopts the mode that the overdue balance in all repayment execution results is arranged at the forefront of the clearing task, and the normal account part is cleared according to the clearing sequence.

An embodiment of the present invention provides an application example for executing a score clearing operation, and refer to an interface diagram for executing a score clearing operation shown in fig. 3, which refers to the following first step to seventh step:

the first step is as follows: the query condition input by the user is obtained, wherein the query condition may include an accounting date (i.e., the feedback term) and a leasing company identifier, and in one embodiment, a clearing operation interface may be displayed to the user, and an operator inputs the accounting date and selects a leasing company to be cleared on the interface, it should be noted that the date cannot input a date of a next account period, i.e., the date cannot be cleared in advance of the account period.

The second step is that: and inquiring the information of the lessees who meet the conditions and have the receivable amounts (the receivable amount of the current schedule, the overdue rent and the late arround amount) larger than 0 and the recognized money (the manual recognized money in the initial payment and the automatic recognized rent and the arround amount except the initial payment) in all the accounts from the previous clearing date to the current date into the total amount of the unsewn part of the rent and the arround amount.

Step three: selecting the score rule (i.e., the score model), optionally, each configuration item may only default to one item, or may configure other options.

The fourth step: a lessee is selected to make an inventory and if an inventory has been made and no accounts receivable, it is not present in the list.

The fifth step: and according to the configured liquidation rule, automatically calculating the actual repayment amount of each equipment in each order of each lessee one by one according to the receivable information of each leased equipment. For example, if a device has 3 overdue, the device will appear 4 times in the list of the clearing task, including information of the overdue number, overdue amount and late amount (the overdue amount is not summed up and should be visually reflected in each account) and the current receivable amount, and the calculation task will match the real-time receivable amount and late amount of each term according to the account entry condition of the rent and late amount. It should be noted that because there are cases where a partial rent is returned in advance, it is not necessary to calculate the overdue on a daily basis, and the calculation of the overdue is started only after the last payment date of the current term. Optionally, the result state after automatic calculation is a "to-be-confirmed" state. In addition, the transaction detail information of the last clearing is to record and know which amount to use for each renting plan of each device, the amount of money to be rented after expiration, the amount of money to be held, the time to be kept (date of entering account), the date of clearing and the like. If the amount after payment is confirmed is less than the total amount to be collected, under the condition that the past payment is overdue and the late payment is insufficient, the overdue treatment (calculation of the late payment) is continuously carried out on the part which is not yet subjected to the past payment, under the condition that the current time is insufficient after the overdue treatment, the actual payment amount and the unreported amount after the payment is finished are only recorded when the last payment day of the current time is not reached, and even if the past payment amount is insufficient, the overdue treatment is not carried out, and the previous overdue amount and the late payment are calculated after the last payment day of the current time; if the sum after the payment is confirmed is larger than the total sum of the sum to be collected, the part after the overdue and the normal rent of the current period is cleared and is subjected to posting, and the part subjected to posting is cleared firstly when the next period is cleared and then the part subjected to posting is cleared.

And a sixth step: on the basis of the automatic calculation result, the operator can select a certain number of scores to manually adjust the result after the scores are cleared, the actual sum of money of each device of each order is modified, and the manually adjusted state is still a state to be confirmed.

The seventh step: after the automatic clearing and the manual adjustment are finished, result confirmation is required to be carried out, the sum of the sum to be collected of all 'to-be-confirmed' clearing results is prompted to be compared with the sum of the actually already-cleared money, an operator is allowed to confirm whether the current clearing result is stored, and after the confirmation, the state of all 'to-be-confirmed' is changed into 'finished'.

Further, the embodiments of the present invention further supplement the score-clearing rule, see (1) to (7) below: (1) the leasing company and the accounting date in the inquiry function of the incoming account and the inventory are necessary options, and the accounting date is selected to be a month, namely the account receivable record of a certain month of a certain leasing company is inquired. (2) The conditions which can be inquired out and displayed in the list need to satisfy the amount which is receivable >0 and the real rent >0 besides the conditions of the accounting date and the leasing company, and the condition that the account is receivable and the payment is paid can be understood as that the account can be cleared only under the condition that the account is receivable and the payment is paid, otherwise, the account clearing is meaningless. (3) The amount due (amount due to the current time of the customer) = the amount due (amount due to overdue by due + late + no rent for the current time) for each device. (4) The actual rent amount in the list = the sum of the available amount in the posting running water from the end of the last minute day to the day of the minute. (5) The liquidated money = the liquidated result actual collection after automatic calculation or the liquidated result actual collection after manual adjustment (if manual adjustment is made). (6) The comparison result = real rental amount-liquidated amount. (7) If the amount to be paid is greater than the real rent amount, the fact that the money collected in the current period is not enough to pay the debt is proved, the already-cleared amount after the clearing is finished is = the real rent amount, the comparison result =0 is shown, if the last day of the account period happens, the overdue amount in every other day is increased, the late-dated amount is increased, if the amount to be paid is = the real rent amount, the fact that the debt is just paid in full is proved, the already-cleared amount after the clearing is finished is = the real rent amount = the receivable amount, if the amount to be paid is less than the real rent amount, the account entry flow rate paid by the lessee is smaller than the receivable amount, the debt can be paid in full, the already-cleared amount after the clearing is finished is = the real rent amount, and the rest (the available amount in the account flow query) remains, and the rest can be preferentially paid in the next clearing. Checking whether the sum of the cleared amount and the available amount in the account running query is equal to the real rent amount.

In one embodiment, the rules for liquidation may be configured by the asset management company, and the specific rules are explained as follows: the asset management company configures differentiated clearing rules for different cooperative leasing companies; the method comprises the steps that the renting order and the renting equipment which are distributed to the renting equipment correspondingly only need to be collected by each lessee (the sum of the rent and the late fund + the late fund after the client finishes the distribution = the sum of the late fund + the available sum of the late fund + the available sum of the client), and the main part of the liquidity distributes the rent and the late fund of the lessee to the renting equipment correspondingly until the sum of the late fund + the unavailable sum of the client is more than 0 and the sum of the late fund + the available sum of the client is more than 0 And (6) clearing and grading. In addition, the payment sequence (general principle of payment) includes: (1) overdue first and then current: and each repayment is carried out according to the sequence of the long distance and the short distance of the equipment repayment plan, if the past is overdue, the overdue debt is carried out, and then the normal rent is repacked, and if the past is overdue, the normal rent is directly cleared and divided into the rent of the current period. (2) Lazy fund sequence (account period for which lazy funds are generated only after past overdue plays a role). (3) Late rent: the sorting sequence is that the rent and the late deposit are used for partially sorting the incomplete late deposit, the overdue deposit and the current deposit (attention sequence), the incomplete overdue deposit and the current deposit are sorted by the rent (attention sequence), if only the rent is identified and the overdue deposit and the current deposit are sorted, if the residual late deposit and the current deposit are sorted, the late deposit is sorted again, and if the residual is subjected to hanging account processing. (4) Rent first and late reserve: the sorting sequence is that the overdue rent and the current rent are sorted by the rent part (paying attention to the sequencing), the overdue rent, the current rent and the late rent are not yet finished by the rent and the late rent (paying attention to the sequencing), if only the rent is accepted and the overdue rent and the current rent are sorted, if the residual is reserved, the residual is subjected to hanging up treatment. In addition, the current installment sequence (except the overdue normal rent installment) includes: (1) sorting equipment in sequence: the method is characterized in that the clearing of the rent of the period is the clearing of the remaining part of the full amount after the overdue amount is still finished according to the order and the serial number sequence of the equipment, the overdue is not included, because the 'overdue before the current due' is selected, the overdue is processed preferentially, and the rule is applicable to the financial processing of the period. (2) The sum of money should be sorted from big to small: the method is characterized in that the clearing of the rent in the period is the clearing of the amount of the rent which is required to be received by the equipment in the period from large to small according to the order sequence (from far to near). In addition, the payment rule includes direct clearing to the next lease: and the overflowed payment part directly clears the rent of the next period after the clearing of the period is finished. The account hanging processing comprises the following steps: and (4) account hanging identification of the overflowed payment part, and processing by matching with account hanging processing rules subsequently. The account hanging processing rule comprises that the current account is cleared into rent: whether the account amount is available is judged firstly when the current period is made, and if the account amount is available, the account amount is taken as the rent liquidation, and the liquidation of the money is confirmed in the current period.

In addition, the embodiment of the invention also provides an implementation mode for modifying the transaction detail information, which can respond to the modification operation of the user on the transaction detail information, obtain the modification data of the user on the transaction detail information, obtain the modified transaction detail information, then calculate the modified resource quantity based on the modification data, and store the modified transaction detail information if the modified resource quantity is equal to the resource feedback quantity. Referring to fig. 4, a modification interface of transaction detail information is shown, wherein if the operator considers that the total amount of the automatic liquidation of a certain lessee is not correct, the lessee (all devices which have not yet liquidated the rent and late deposit before the current period (including the current period)) can be selected to be liquidated again. The first step is as follows: upon entering this page "accounts receivable" = "planned liquidation" (place a) = accounts receivable for the customer), which is consistent with the "liquidation completion" (place B), proving that the results of the liquidation and liquidation are consistent. The second step is that: if the rules for selecting the scores are not consistent with the rules for the scores at this time, the operator is allowed to reselect the scores rules again (only one default value is supported in the first period), and the descriptions of the scores are shown in the flow and rule description of the score of the caller, see point B. The third step: recalculated, automatically fills in the numerical portion of the following form, see at C. The fourth step: the manual adjustment of the score results may be selected until satisfied, see position D. The fourth step: looking at 'plan liquidation amount' > = 'totaling after liquidation is finished', if equal, the full liquidation is proved to be finished, if greater, the insufficient liquidation is proved (the remaining money is not enough to be charged), otherwise, the verification cannot be passed, see E. The fifth step: and E, under the condition that the results at F are consistent, the score clearing result can be confirmed to be stored. If the operator considers that the total amount has no problem and the liquidation of the individual devices is incorrect (for example, when the devices can be controlled to pay by priority), only the actual amount of the individual devices needs to be adjusted. The first step is as follows: modify the value at D. The second step is that: looking at 'plan liquidation amount' > = 'totaling after liquidation is finished', if equal, the full liquidation is proved to be finished, if greater, the insufficient liquidation is proved (the remaining money is not enough to be charged), otherwise, the verification cannot be passed, see E. The third step: only if the second pass is verified, the score-clearing result can be confirmed and stored, see F.

In addition, the embodiment of the present invention further provides a query function, which can respond to a query operation of a user for a first resource party, and display one or more of a second resource party corresponding to the first resource party, historical feedback information of the second resource party, a resource feedback plan of the second resource party, and a total amount of resources to be fed back of the second resource party. In practical application, in order to facilitate early reminding and urging of rent payment by financial staff, running information of money made by lessees every day in an account period needs to be displayed, the financial staff can see whether each lessee has a money to be paid or not when a repayment date is up or whether the money amount covered to rent, late payment and the like or not at a glance, and if the money amount is wrong, the call is made in time for inquiry. The function is mainly that the financial staff of the asset management company can timely know the sum (overdue rent + late fund + no-charge-date) to be received before (including the selected account date) the own account date of each lessee of cooperation (indispensable for inquiring condition leasing companies) of a certain leasing company, the total amount of the second resource fed back in the time of the own account date of the lessee and whether the second resource enough is fed back on the last repayment date, and if the second resource enough is not fed back on the last repayment date, the business staff of the asset management company can prompt the lessee.

Referring to a schematic diagram of an inquiry interface shown in fig. 5, an inquiry list is displayed in the inquiry interface, the inquiry list is a list in which repayment flow of tenants is horizontally displayed according to the time of one account period, and each tenant only has one record displayed therein, that is, the sum of the amount of money to be repacked by all devices in the account period under each tenant and the sum of daily posting amount from the day after the end of the previous account period to the last day of the account period are displayed. After the liquidation is finished, the user can check the liquidation history, and the liquidation history shows the liquidation results of three levels of lessees, lease orders and lease equipment which are required to be returned for each time, as shown in fig. 5. The following information of each inventory to the lessee, the lease order and the lease equipment can be seen in the result of the inventory: the method comprises the following steps of charging rent, charging late fee, real return late fee, overdue amount, charging amount, account date and clearing date, wherein result display of a lessee and a lease order level is sum of results of clearing of all lease equipment of the lessee or the lease order item. The amount of the refund rent of the rent real plan is calculated by the overdue rent part before the current clearing, the refund rent is actually divided into the amount of the rent part, the amount of the refund fund is divided into the amount of the late part when the refund fund is actually returned, the overdue amount is the amount of the refund part when the account deposit fund is not enough for clearing the current account, namely the account balance is summed, the part of the refund rent of the current period is the overdue amount, the amount to be paid is the part of the amount which is paid to the leasing company by the asset management company, and the refund is made for the overdue part of the lessee firstly.

Referring to table 2, if the check-in condition is found to be the account of month 4, assuming that the latest repayment date is 25 days, XXX clients have two orders in month 4, the total account receivable (overdue rent + late fund + no-return) of order a is 5000 yuan, the total account receivable (overdue rent + late fund + no-return) of order B is 3000 yuan, the lessee makes 300 yuan at 27 days ofmonth 3, makes 2000 yuan at 23 days of month 4, the lessee displays the following in the list, the lessee feeds back enough second resources, and the service staff of 24 days of month 4 reminds the lessee.

TABLE 2

Lessee name	Date of rent return	Should be paid	Amount of charge	…	23	…	23
								XXX client	4 month and 25 days	8000	2300		300		2000

In an implementation manner, the rental platform provided in the embodiment of the present invention may further provide a function of providing a worker money for the user, and may respond to a payment approval operation of the user for the second resource, acquire usage information of the second resource sent by the user, initiate a usage approval prompt to the user based on a payment approval resource amount of the payment approval operation, and store the usage information of the second resource if a confirmation operation of the user for a feedback of the usage approval prompt is received. When the step of initiating a use confirmation prompt to a user based on the resource amount of the payment operation is executed, the basic principle is as follows: the last recognized amount > = (the recognized amount of each subject is summed), and a clear prompt must be given when the user selects to save, including the prompt of "you confirm to save the result of this recognized amount when the last recognized amount > = the recognized amount of this time is summed, the result can not be modified after being saved! ", the sum of the current recognized money is larger than the last recognized money and cannot be saved! Please note that: the sum of the current money amount < = the last money amount recognized ", on the money recognizing operation page, the user can select the completed money recognizing result to be directly stored, or select to store the current money recognizing result and automatically load the next money to continue to make the recognition of the money. The current payment amount is also the payment resource amount.

For the sake of understanding, refer to a schematic flow chart of manual payment as shown in fig. 6, which includes the following steps S602 to S608:

step S602, first/other money-manual money identification.

Step S604, selecting the payment subject, amount, order/equipment.

In step S606, the result of the payment is recorded.

In step S608, the deposit is determined as rent and late fund again for posting.

In practical application, the recognition is divided into first recognition or second recognition, the first recognition is a purpose identifier of the posting running water pushed by a bank before the landing of a platform, the second recognition is adjustment of the first recognition or previous recognition, and the adjustment may be made by using the second recognition if the automatic recognition has problems or is not a real fund purpose. The financial staff selects an account to enter into the payment operation page, manual payment is needed to be associated with the account and the order, namely payment is recognized to be on each order, the usable amount of the account is subject to the recognition decomposition according to different purposes (recognition subjects), which needs to be selected to be recognized, the subjects are specially configured for the leasing company with the selected account by the asset management company in the payment subject function, and the 'payment for the first time' is not formed, the basic principle is that the usable amount of each account is larger than or equal to the payment amount, namely the credit available amount > = the sum of the recognized money (the sum of the recognized money of each subject), when the user selects to save, an explicit prompt must be given, which comprises a prompt of "you confirm to save the result of the current recognition when the recognized money < = the available money is saved, and the result cannot be modified again after being saved! "please note" when the amount of money confirmed > the amount of money available: the total amount of the recognized money cannot be greater than the available amount ". It should be noted that the last payment subject is not allowed to be selected again here. For example, if the user does not approve the deposit again, the subject of the deposit is not allowed to approve the deposit again, and if the deposit is not approved with the full amount, the sum of the subject of the deposit of the last approval subject = the sum of the last approval sum and the current approval sum.

In summary, the method for determining the resource transaction details provided by the embodiment of the present invention mainly has the following characteristics:

(1) complete account system: the method is characterized in that a matched account support system conforming to the service scene of a new capacity leasing platform is realized through cooperation with a financial institution, a virtual secondary account for the lessee of a user to make a payment is automatically opened on line under a settlement account item opened by a leasing company, the accounts are opened in the platform and have records, and the accounts are butted with a financial development platform of the financial institution, so that the flow and account information of each account of the client can be obtained in real time, and each order and each device of the lessee are matched with each other according to the payment result and the clearing rule of the platform and then are paid to each lessee.

(2) The process and the rule of the payment: the method is characterized in that a client makes a payment to an account for a purpose that the payment cannot be made clearly, at the moment, a payment function is needed to make a purpose identification of the payment, the purpose identification is used for a fund such as rent, guarantee fund, default fund or insurance fund, the payment is divided into automatic payment and manual payment, the automatic payment needs to be configured with a payment rule in advance in each leasing company, the configuration can be a time line configuration or a payment sequence configuration, a platform automatically triggers a payment task to complete the payment according to the time of each payment, the manual payment is a purpose completion identification of each running bill made by a financial staff, and the purpose of the payment can be adjusted again before the start of the payment no matter the result of the automatic payment or the manual payment is obtained.

(3) Intelligent sorting flow and rules: when the bank pushes the entering flow to the platform in real time, the flow of clearing can be triggered after the money is recognized, and the clearing can be divided into automatic clearing and manual clearing, or can be real-time single-stroke clearing or batch clearing.

For the method for determining the resource transaction details provided in the foregoing embodiment, an embodiment of the present invention further provides a device for determining the resource transaction details, where the device is applied to a server, the server stores a primary user corresponding to a first resource party and a secondary user corresponding to a second resource party, the server is further configured with at least one score clearing model, the first resource party provides a first resource to the second resource party, and the second resource party feeds back a second resource to the primary user through the secondary user based on the first resource, with reference to a schematic structural diagram of the device for determining the resource transaction details shown in fig. 7, the device mainly includes the following components:

an information obtaining module 702, configured to obtain resource feedback information generated when the second-level user feeds back the second resource to the first-level user.

And a purpose identification module 704, configured to determine a target score model from the respective score models, and identify purpose information of the second resource according to the resource feedback information.

And the scoring module 706 is configured to perform scoring operation on the second resource based on the target scoring model and the usage information, so as to obtain transaction detail information of the second resource relative to the first resource.

The resource transaction detail determining device provided by the embodiment of the invention is characterized in that the server is provided with the score clearing model, and when the resource feedback information is received, the second resource can be subjected to score clearing operation by using the use information and the target score clearing model which are obtained based on resource feedback information identification, so that the transaction detail information is obtained.

In one embodiment, the usage identification module 704 is further configured to: judging whether the secondary users feed back the second resources to the primary users for the first time or not based on the resource feedback information; if yes, generating a resource feedback plan for the secondary user to feed back the second resource to the primary user; the resource feedback plan is used for representing the feedback time limit and the target resource amount of the second resource fed back to the primary user by the secondary user; usage information for the second resource is determined based on the resource feedback plan.

In one embodiment, the scoring module 706 is further configured to: calculating the total amount of the resources to be fed back based on the target resource amount and the historical detail information; and performing a sorting operation on the second resource based on the total amount of the resource to be fed back, the target sorting model and the use information to obtain transaction detail information of the second resource relative to the first resource.

In one embodiment, the first resource comprises at least one first sub-resource; the target scoring model is used for representing various kinds of use information of the second resources and/or scoring priority of each first sub-resource; the scoring module 706 is further configured to: if the resource feedback quantity of the second resource is larger than or equal to the total quantity of the resource to be fed back, determining the corresponding relation between the second resource of the total quantity of the resource to be fed back and each first sub-resource based on the use information, obtaining the transaction detail information of the second resource of the total quantity of the resource to be fed back relative to the first resource, and performing account posting processing on the rest second resource; and if the resource feedback quantity of the second resource is less than the total quantity of the resources to be fed back, determining the corresponding relation between the second resource and each first sub-resource based on the use information, the clearing priority of the use information and the clearing priority of the first sub-resources, and obtaining the transaction detail information of the second resource relative to the first resource.

In one embodiment, the apparatus further comprises a modification module configured to: responding to the modification operation of the user on the transaction detail information, and acquiring the modification data of the user on the transaction detail information to obtain modified transaction detail information; calculating a modified resource amount based on the modification data; and if the modified resource amount is equal to the resource feedback amount, storing the modified transaction detail information.

In one embodiment, the apparatus further includes a query module configured to: responding to the query operation of the user for the first resource party, and displaying one or more of a second resource party corresponding to the first resource party, historical feedback information of the second resource party, a resource feedback plan of the second resource party and the total amount of resources to be fed back of the second resource party.

In one embodiment, the apparatus further comprises a manual payment module configured to: responding to the payment operation of the user for the second resource, and acquiring the use information of the second resource sent by the user; initiating a use confirmation prompt to a user based on the money confirmation resource amount of the money confirmation operation; and if the confirmation operation of the user for the purpose confirmation prompt feedback is received, saving the purpose information of the second resource.

The device provided by the embodiment of the present invention has the same implementation principle and technical effect as the method embodiments, and for the sake of brief description, reference may be made to the corresponding contents in the method embodiments without reference to the device embodiments.

The embodiment of the invention provides a server, which particularly comprises a processor and a storage device; the storage means has stored thereon a computer program which, when executed by the processor, performs the method of any of the above described embodiments.

Fig. 8 is a schematic structural diagram of a server according to an embodiment of the present invention, where theserver 100 includes: the device comprises aprocessor 80, amemory 81, a bus 82 and acommunication interface 83, wherein theprocessor 80, thecommunication interface 83 and thememory 81 are connected through the bus 82; theprocessor 80 is arranged to execute executable modules, such as computer programs, stored in thememory 81.

TheMemory 81 may include a high-speed Random Access Memory (RAM) and may also include a non-volatile Memory (non-volatile Memory), such as at least one disk Memory. The communication connection between the network element of the system and at least one other network element is realized through at least one communication interface 83 (which may be wired or wireless), and the internet, a wide area network, a local network, a metropolitan area network, etc. may be used.

Bus 82 may be an ISA bus, PCI bus, EISA bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 8, but that does not indicate only one bus or one type of bus.

Thememory 81 is used for storing a program, theprocessor 80 executes the program after receiving an execution instruction, and the method executed by the apparatus defined by the flow process disclosed in any of the foregoing embodiments of the present invention may be applied to theprocessor 80, or implemented by theprocessor 80.

Theprocessor 80 may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware or instructions in the form of software in theprocessor 80. TheProcessor 80 may be a general-purpose Processor, and includes a Central Processing Unit (CPU), a Network Processor (NP), and the like; the device can also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA), or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of the present invention may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the method disclosed in connection with the embodiments of the present invention may be directly implemented by a hardware decoding processor, or implemented by a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in amemory 81, and theprocessor 80 reads the information in thememory 81 and performs the steps of the above method in combination with its hardware.

The computer program product of the readable storage medium provided in the embodiment of the present invention includes a computer readable storage medium storing a program code, where instructions included in the program code may be used to execute the method described in the foregoing method embodiment, and specific implementation may refer to the foregoing method embodiment, which is not described herein again.

The functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.

Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present invention, which are used for illustrating the technical solutions of the present invention and not for limiting the same, and the protection scope of the present invention is not limited thereto, although the present invention is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.