CN108446974B - Data processing apparatus, method and computer-readable storage medium - Google Patents

Data processing apparatus, method and computer-readable storage medium Download PDF

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CN108446974B
CN108446974B CN201810184779.5A CN201810184779A CN108446974B CN 108446974 B CN108446974 B CN 108446974B CN 201810184779 A CN201810184779 A CN 201810184779A CN 108446974 B CN108446974 B CN 108446974B
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repayment
amount
sub
data processing
bills
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CN108446974A (en
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陈磊
夏学军
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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Priority to PCT/CN2018/089182 priority patent/WO2019169758A1/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/407—Cancellation of a transaction

Abstract

The invention discloses a data processing device, which comprises a memory and a processor, wherein a data processing program capable of running on the processor is stored in the memory, and the program realizes the following steps when being executed by the processor: a1, obtaining repayment account information bound to the user account, calculating the amount to be repayed and generating a repayment bill; a2, sending a collection-on-behalf request to a resource system according to the repayment account information and the repayment bill; a3, if the prompt message of insufficient balance is received, dividing the current repayment bill into a plurality of sub repayment bills, and judging whether the plurality of sub repayment bills are all smaller than a preset threshold value; a4, if not, taking the plurality of sub payment bills as the current payment bills to sequentially execute the step A2; and A5, if yes, calculating the amount of successful repayment and the amount of failed repayment. The invention also provides a data processing method and a computer readable storage medium. The invention solves the technical problem that effective additional payment of loans cannot be realized in the prior art.

Description

Data processing apparatus, method and computer-readable storage medium
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a data processing apparatus and method, and a computer-readable storage medium.
Background
With the improvement of living and consumption level of people, more and more people buy houses and cars through loan, and personal loan becomes a financial product which is more and more commonly used by people. Various loan businesses in the market at present are various, for example, many types of small loan businesses, many of which directly initiate collection actions on a bank card bound to an account according to a repayment amount, but when the bound bank card is insufficient in amount, collection and repayment failures occur, and actually the bank card still has a certain balance which is less than the repayment amount, and because a bank system is in consideration of user information security, a loan institution cannot inquire the balance of a user in the bank system across systems, and only directly initiates a collection request according to the repayment amount required, so that successful collection cannot be achieved, and effective recourse of loans cannot be realized.
Disclosure of Invention
The invention provides a data processing device, a data processing method and a computer readable storage medium, and mainly aims to solve the technical problem that effective recourse of loans cannot be realized in the prior art.
To achieve the above object, the present invention provides a data processing apparatus, which includes a memory and a processor, wherein the memory stores a data processing program operable on the processor, and the data processing program implements the following steps when executed by the processor:
a1, when detecting that a repayment deadline of a user account is up, acquiring repayment account information bound with the user account, calculating an amount to be repayed, and generating a repayment bill according to the amount to be repayed;
a2, sending a collection-replacing request to the resource system according to the repayment account information, the repayment bill and a collection-replacing protocol between the resource systems corresponding to the repayment account information;
a3, if prompt information of insufficient balance returned by the resource system based on the collection request is received, splitting the current repayment bill into a plurality of sub repayment bills according to the amount of money to be repayed, and judging whether the repayment amounts of the sub repayment bills are all smaller than a preset threshold value;
a4, if not, respectively taking the plurality of sub payment bills as current payment bills, and sequentially executing the step A2;
and A5, if yes, calculating the sum of successful repayment and the sum of failed repayment, and recording.
Optionally, the step of splitting the current repayment bill into a plurality of sub repayment bills according to the amount to be repayed includes:
and averagely dividing the current repayment bill into a plurality of sub repayment bills according to the amount to be repayed.
Optionally, the data processing program is further executable by the processor to, after the step A2, further implement the steps of:
and if the repayment initiated by the resource system based on the collection request is received and the repayment amount is equal to the total amount of the repayment to be paid by the user account, updating the state of the user account to be the completion of the repayment.
Optionally, the data processing program may be further executable by the processor to, between the step A1 and the step A2, further implement the steps of:
acquiring a single transferable resource limit corresponding to the repayment account information;
if the amount to be paid is less than or equal to the single transferable resource amount, executing the step A2;
if the amount to be paid is larger than the single transferable resource amount, splitting the repayment bill into a plurality of sub repayment bills which are equal to or smaller than the single transferable resource amount, and executing the step A4.
Optionally, the step of calculating the amount to be paid comprises:
inquiring loan information of the user account, wherein the loan information comprises a loan amount, a loan interest rate and a loan duration;
and calculating the amount of money to be paid according to the inquired borrowing amount, loan interest rate and loan period.
In addition, to achieve the above object, the present invention further provides a data processing method, including:
b1, when detecting that the repayment deadline of a user account is expired, acquiring repayment account information bound by the user account, calculating the amount of money to be repayed, and generating a repayment bill according to the amount of money to be repayed;
b2, sending a collection-replacing request to the resource system according to the repayment account information, the repayment bill and a collection-replacing protocol between the resource systems corresponding to the repayment account information;
b3, if the prompt information that the balance is insufficient and is returned by the resource system based on the collection request is received, splitting the current repayment bill into a plurality of sub repayment bills according to the amount to be repayed, and judging whether the repayment amounts of the sub repayment bills are all smaller than a preset threshold value;
b4, if not, respectively taking the plurality of sub payment bills as current payment bills, and sequentially executing the step B2;
and B5, if yes, calculating the amount of successful repayment and the amount of failed repayment, and recording.
Optionally, the step of splitting the current repayment bill into a plurality of sub repayment bills according to the amount to be repayed includes:
and averagely dividing the current repayment bill into a plurality of sub repayment bills according to the amount to be repayed.
Optionally, after the step B2, the method further includes the steps of:
and if the repayment initiated by the resource system based on the collection request is received and the repayment amount is equal to the total amount of the repayment to be paid by the user account, updating the state of the user account to be the completion of the repayment.
Optionally, between the step B1 and the step B2, the method further includes:
acquiring a single transferable resource limit corresponding to the repayment account information;
if the amount to be paid is less than or equal to the single transferable resource amount, executing a step B2;
if the amount to be paid is larger than the single transferable resource amount, splitting the repayment bill into a plurality of sub repayment bills which are equal to or smaller than the single transferable resource amount, and executing the step B4.
Further, to achieve the above object, the present invention also provides a computer-readable storage medium having stored thereon a data processing program, the data processing program being executable by one or more processors to implement the steps of the data processing method as described above.
When the payment deadline of the user account is detected to be expired, repayment account information bound by the user account is obtained, the amount to be repayed is calculated and a repayment bill is generated, a repayment request is sent to a resource system according to the repayment account information, the repayment bill and a payment agreement between resource systems corresponding to the repayment account information, if insufficient balance prompting information returned by the resource system based on the payment agreement is received, the current repayment bill is divided into a plurality of sub repayment bills according to the amount to be repayment, when the repayment amount of the sub repayment bill is larger than or equal to a preset threshold value, the repayment request is respectively sent to the resource systems according to the sub repayment amounts, whether the sub repayment amount is continuously divided is determined according to a feedback result of the resource system, the division is stopped until the split sub repayment amount is smaller than the preset threshold value, when the repayment amount of the split sub repayment bill is smaller than the preset threshold value, the successful repayment amount and the maximum repayment amount of the repayment account can be recorded in a loan mode, and the repayment is realized.
Drawings
FIG. 1 is a diagram of a data processing apparatus according to a preferred embodiment of the present invention;
FIG. 2 is a flowchart of a data processing method according to a first embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The invention provides a data processing apparatus. FIG. 1 is a diagram of a data processing apparatus according to a preferred embodiment of the present invention.
In this embodiment, the data processing apparatus may be a PC (Personal Computer), or may be a terminal device such as a smartphone, a tablet Computer, or a mobile Computer.
The data processing device comprises at least a memory 11, a processor 12, a communication bus 13, and a network interface 14.
The memory 11 includes at least one type of readable storage medium, which includes a flash memory, a hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a magnetic memory, a magnetic disk, an optical disk, and the like. The memory 11 may in some embodiments be an internal storage unit of the data processing apparatus, for example a hard disk of the data processing apparatus. The memory 11 may also be an external storage device of the data processing apparatus in other embodiments, such as a plug-in hard disk provided on the data processing apparatus, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like. Further, the memory 11 may also include both an internal storage unit and an external storage device of the data processing apparatus. The memory 11 may be used not only to store application software installed in the data processing apparatus and various types of data, such as codes of data processing programs, etc., but also to temporarily store data that has been output or is to be output.
The processor 12 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor or other data Processing chip in some embodiments, and is used for executing program codes stored in the memory 11 or Processing data, such as executing a data Processing program.
The communication bus 13 is used to realize connection communication between these components.
The network interface 14 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface), typically used to establish a communication link between the apparatus and other electronic devices.
Fig. 1 shows only a data processing apparatus with components 11-14 and a data processing program, but it should be understood that not all of the shown components are required to be implemented, and that more or fewer components may be implemented instead.
Optionally, the device may further comprise a user interface, which may comprise a Display (Display), an input unit such as a Keyboard (Keyboard), and an optional user interface which may also comprise a standard wired interface, a wireless interface. Alternatively, in some embodiments, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch device, or the like. The display, which may also be referred to as a display screen or display unit, is suitable for displaying information processed in the data processing device and for displaying a visualized user interface.
In the embodiment of the apparatus shown in fig. 1, a data processing program is stored in the memory 11; the processor 12, when executing the data processing program stored in the memory 11, implements the following steps:
a1, when detecting that the repayment deadline of a user account is up, acquiring repayment account information bound by the user account, calculating the amount of money to be repayed, and generating a repayment bill according to the amount of money to be repayed;
a2, sending a collection-replacing request to the resource system according to the repayment account information, the repayment bill and a collection-replacing protocol between the resource systems corresponding to the repayment account information;
a3, if prompt information of insufficient balance returned by the resource system based on the collection request is received, splitting the current repayment bill into a plurality of sub repayment bills according to the amount of money to be repayed, and judging whether the repayment amounts of the sub repayment bills are all smaller than a preset threshold value;
a4, if not, respectively taking the plurality of sub payment bills as current payment bills, and sequentially executing the step A2;
and A5, if yes, calculating the amount of successful repayment and the amount of failed repayment, and recording.
In this embodiment, the account management system is deployed in the data processing device, the user account numbers under the account management system are loan account numbers, each user account number is bound with repayment account information for repayment, such as a bank card number, and the repayment account information corresponds to the resource system, that is, the bank management system corresponding to the bank card. There is an authorized collection agreement between the account management system and the resource transfer system.
The account management system monitors the repayment deadline of each user account in the system regularly or in real time, acquires repayment account information bound to the user account when the repayment deadline of the user account is monitored to be up, calculates the amount M to be repayed, and generates a repayment bill according to the amount to be repayed. And initiating a repayment request to a repayment system based on the user information of the user account, the repayment bill and a repayment agreement between the systems.
Optionally, as an embodiment, the step of calculating the amount to be paid includes: inquiring loan information of the user account, wherein the loan information comprises a loan amount, a loan interest rate and a loan duration; and calculating the amount of money to be paid according to the inquired borrowing amount, loan interest rate and loan period.
When the resource system receives a collection request, the resource system acquires repayment account information and the amount of money to be repayed in the collection request, inquires the residual amount of the repayment account information in the resource system, and judges whether the residual resource is greater than or equal to the amount of money to be repayed; if yes, directly responding to the collection request, transferring the amount to be paid to the user account in the account management system according to a payment protocol, and sending a prompt message of successful payment to a user terminal bound by the user account; and if the residual resources are less than the amount of the money to be paid, sending prompt information of insufficient balance to the account management system.
When the account management system receives the prompt information of insufficient balance sent by the resource system, the repayment bill is split into a plurality of sub-repayment bills according to the amount of money to be repayed, namely, the amount of money to be repayed of the repayment bill is divided into N, each sub-repayment bill corresponds to one, wherein N is more than or equal to 2, it needs to be stated that the splitting method can be used for randomly dividing the amount of money to be repayed into N sub-repayment amounts which are M, namely, the amount of each sub-repayment amount is random, and the method is only required to be carried out as long as the sum of the N sub-repayment amounts is equal to M. Or in other embodiments, the amount M to be paid is divided into N equally, wherein N is more than or equal to 2, N sub-payment amounts with each amount being M/N are obtained, and rounding processing is performed to convert the sub-payment amounts into integers when decimal places exist.
Taking the example of averagely splitting the amount M to be paid into N, after the payment bills are split, the payment amount of each sub-payment bill is M/N, starting from the first sub-payment bill, respectively taking a plurality of sub-payment bills as the current payment bills, sequentially executing the step A2 based on the current sub-payment bills, namely starting from the 1 st sub-payment bill, sequentially sending the nth first generation collection request to the resource system based on the nth sub-payment bill, wherein N is not less than 1 and not more than N, and if the balance sent by the resource system based on the current request is receivedIf the current balance of the repayment account information is less than the repayment amount of the sub-repayment bill corresponding to the request, the transmission of the collection-substituting request is suspended, the sub-repayment bill corresponding to the prompt information is continuously split, here, the plurality of sub-repayment bills can be split and obtained in the same way as the last splitting way, namely, the repayment amount M/N of the sub-repayment bills is split into N, and each repayment amount M/N is obtained 2 And the plurality of sub payment bills initiate collection requests to the payment system one by one according to the same process as the process until the prompt information of insufficient balance sent by the resource system is received. According to the above-mentioned process, circularly repeating, making secondary separation of secondary repayment amount receiving prompt message of insufficient balance, until secondary repayment amount M/N obtained after X times of separation X And if the value is less than the preset threshold value, stopping splitting, calculating the repayment successful amount and the repayment failed amount, recording, and further sending the information of the repayment successful amount and the repayment failed amount to the user terminal bound by the user account.
It can be understood that when a repayment initiated by the resource system based on the collection-by-collection request is received, the current balance of the repayment account information is described to be greater than or equal to the repayment amount corresponding to the request, and then the repayment situation is recorded.
In addition, in the above process, after each splitting of the current amount to be paid, it is necessary to determine whether a sub-repayment amount among the plurality of sub-repayment amounts obtained after the splitting is greater than or equal to a preset threshold, if so, a collection-by-collection request is sent, if all the plurality of sub-repayment amounts obtained after the splitting are less than the preset threshold, collection is completed, and the amount of successful repayment and the amount of failed repayment are calculated and recorded.
For the sake of understanding, the following describes the solution of the present embodiment by taking an actual application scenario. In the application scenario, the repayment bill is averagely split into two sub repayment bills. The amount of money to be paid of a user is 10 thousands, the balance of a bank card account number bound under the user account for payment is assumed to be 8 thousands at the moment, and the preset threshold value is set to be 2000. If 10 ten thousand collection requests are directly sent to the bank corresponding to the bank card, collection fails. According to the scheme of the embodiment, a repayment bill with a repayment amount of 10 ten thousand is split into two 5 ten thousand sub repayment bills, a collection generation request is initiated based on a first 5 universal bank system, at the moment, the bank system initiates 5 repayment due to 8 ten thousand account balances of a bank card, namely, the first collection generation is successful, then, a collection generation request is initiated based on a second 5 universal bank system, at the moment, the balance is 3 ten thousand after the bank card accounts are repayed, and the second 5 ten thousand collection generations are failed, so that the second 5 ten thousand copies are continuously split into two 25000 sub pending repayment amounts, the first collection is successful, the second collection pen is failed, and the remaining balance of the bank card is 5000; then 25000 is continuously divided into two sub-payment amounts to be paid of 12500, and the first payment fails; then the 12500 is continuously divided into two sub-payment amounts of 6250, and the first payment fails; continuing to split 6250 into two sub-payment amounts 3125, the first payment is successful, the second payment is failed, and the bank card remains 1875; and continuously performing secondary splitting on the 3125 list to split the list into two 1563 (rounded up after splitting) sub-to-be-paid amounts, and at this time, if the split sub-to-be-paid amount is less than the preset threshold 2000, then the operations of collection and splitting are not continued, and collection is terminated. 78125 payment is finally and successfully made by the user, and the purpose of payment as much as possible is achieved.
It can be understood that the preset threshold 3000 in the foregoing practical application scenario is only an example, and in practical applications, a user may set the preset threshold as needed, for example, the preset threshold is set to be one tenth or one hundredth of the amount to be paid.
In addition, if the balance corresponding to the repayment account information is sufficient and is sufficient for repaying the loan at one time, the resource system can directly initiate repayment to the account management system when receiving the collection-substituting request for the first time, that is, if the account management system receives the repayment initiated by the resource system based on the collection-substituting request and the repayment amount is equal to the total amount of the repayment due to the user account, the state of the user account is updated to be that the repayment is completed.
The data processing device provided by this embodiment obtains repayment account information bound by a user account when it is detected that a repayment deadline of the user account expires, calculates a to-be-repayment amount and generates a repayment bill, according to the repayment account information, the repayment bill and a payment agreement between resource systems corresponding to the repayment account information, sends a payment substitution request to the resource systems, if a prompt message that the balance returned by the resource systems based on the payment substitution request is insufficient is received, splits the current repayment bill into a plurality of sub-repayment bills according to the to-be-repayment amount, when the repayment amount of the sub-repayment bills is greater than or equal to a preset threshold, respectively sends the payment substitution requests to the resource systems according to the plurality of sub-repayment amounts, determines whether to continue splitting the sub-repayment amount according to a feedback result of the resource systems until the split sub-repayment amount is less than the preset threshold, stops splitting, when the repayment amount after splitting is less than the preset threshold, calculates a successful repayment amount and records the repayment amount, and performs effective repayment under the condition that the user account is bound to the maximum limit.
A second embodiment of the data processing device of the invention is proposed on the basis of the first embodiment. In this embodiment, the data processing program is further executable by the processor 12 to implement the following steps between step A1 and step A2:
acquiring a single transferable resource limit corresponding to the repayment account information;
if the amount to be paid is less than or equal to the single transferable resource limit, executing the step A2;
if the amount to be paid is larger than the single transferable resource amount, splitting the repayment bill into a plurality of sub repayment bills which are equal to or smaller than the single transferable resource amount, and executing the step A4.
In the scheme provided in this embodiment, before initiating the collection-as-received request for the first time, the single transferable resource amount set by the repayment account information is considered, if the amount to be repayed is greater than the single transferable resource amount, the repayment bill is split into a plurality of sub-repayment bills with repayment amounts equal to or less than the single transferable resource amount, and the collection-as-received request is sequentially sent, for example, the amount to be repayed of the user is 20 ten thousands, the balance corresponding to the repayment account information is 18 thousands, and the single transferable resource amount is 5 thousands, the 20 thousands are split into 5 thousands, and 5 thousands. If the first three 5 ten thousand payments are successfully collected and the fourth payment fails, the 5 ten thousand sub-payment bills are continuously split in a circulating and reciprocating manner according to the method in the first embodiment until the split payment amount is smaller than the preset threshold value. This process is not described in detail herein. Wherein, the resource limit which can be transferred once can be obtained by initiating a query request to the resource system.
Optionally, in other embodiments, before initiating the collection-by-agency request for the first time, considering the single-day transferable resource amount set by the payment account information, specifically, the data processing program may be further executed by the processor 12, so as to implement the following steps between step A1 and step A2:
acquiring a single-day transferable resource limit corresponding to the repayment account information; if the calculated amount of money to be paid is less than or equal to the single-day transferable resource limit, executing the step A2; if the calculated amount to be paid is larger than the single-day transferable resource amount, dividing the repayment bill into a plurality of sub repayment bills of which the repayment amount is equal to or smaller than the single-day transferable resource amount; currently, collection of money is performed only on the first sub-repayment bill obtained by splitting, the remaining repayment amount is recorded, collection of money is performed on the second sub-repayment bill in the next day, and so on until collection of money for all the sub-repayment bills is completed, wherein collection of money for each sub-repayment amount is performed according to the method in the first embodiment.
In addition, the invention also provides a data processing method. Fig. 2 is a flowchart of a data processing method according to a first embodiment of the present invention. The method may be performed by an apparatus, which may be implemented by software and/or hardware.
In this embodiment, the data processing method includes:
step S10, when detecting that the repayment deadline of a user account is expired, acquiring repayment account information bound by the user account, calculating the amount of money to be repayed, and generating a repayment bill according to the amount of money to be repayed;
step S20, sending a collection-replacing request to the resource system according to the repayment account information, the repayment bill and a collection-replacing protocol between the resource systems corresponding to the repayment account information;
step S30, if prompt information of insufficient balance returned by the resource system based on the collection request is received, splitting the current repayment bill into a plurality of sub repayment bills according to the amount to be repayed, and judging whether the repayment amounts of the sub repayment bills are all smaller than a preset threshold value;
step S40, if not, respectively taking the plurality of sub payment bills as current payment bills, and sequentially executing step S20;
and S50, if yes, calculating the amount of successful repayment and the amount of failed repayment, and recording.
In the following, embodiments of the method of the invention are described with reference to a data processing apparatus as the executing entity. The account management system is deployed in the data processing device, user accounts under the account management system are loan accounts, each user account is bound with repayment account information for repayment, such as a bank card number, and the repayment account information corresponds to a resource system, namely a bank management system corresponding to the bank card. There is an authorized collection agreement between the account management system and the resource transfer system.
The account management system monitors the repayment deadline of each user account in the system regularly or in real time, acquires repayment account information bound to the user account when the repayment deadline of the user account is monitored to expire, calculates the amount M to be repayed, and generates a repayment bill according to the amount M to be repayed. And initiating a repayment request to a repayment system based on the user information of the user account, the repayment bill and a repayment agreement between the systems.
Optionally, as an embodiment, the step of calculating the amount to be paid includes: inquiring loan information of the user account, wherein the loan information comprises a loan amount, a loan interest rate and a loan duration; and calculating the amount of money to be paid according to the inquired borrowing amount, loan interest rate and loan period.
When the resource system receives a collection request, the resource system acquires repayment account information and the amount of money to be repayed in the collection request, inquires the residual amount of the repayment account information in the resource system, and judges whether the residual resource is greater than or equal to the amount of money to be repayed; if yes, directly responding to the collection request, transferring the amount to be paid to the user account in the account management system according to a payment protocol, and sending a prompt message of successful payment to a user terminal bound by the user account; and if the residual resources are less than the amount of money to be paid, sending a prompt message of insufficient balance to the account management system.
When the account management system receives the prompt information of insufficient balance sent by the resource system, the repayment bill is split into a plurality of sub-repayment bills according to the amount of money to be repayed, namely, the amount of money to be repayed of the repayment bill is divided into N, each sub-repayment bill corresponds to one, wherein N is more than or equal to 2, it needs to be stated that the splitting method can be used for randomly dividing the amount of money to be repayed into N sub-repayment amounts which are M, namely, the amount of each sub-repayment amount is random, and the method is only required to be carried out as long as the sum of the N sub-repayment amounts is equal to M. Or in other embodiments, the amount M to be paid is divided into N equally, wherein N is more than or equal to 2, N sub-payment amounts with each amount being M/N are obtained, and rounding processing is performed to convert the sub-payment amounts into integers when decimal places exist.
Taking the example of averagely splitting the amount M to be paid into N, after the payment bills are split, the payment amount of each sub-payment bill is M/N, starting from the first sub-payment bill, respectively taking a plurality of sub-payment bills as the current payment bills, sequentially executing the step A2 based on the current sub-payment bills, namely starting from the 1 st sub-payment bill, sequentially sending the nth first generation collection request to the resource system based on the nth sub-payment bill, wherein N is not less than 1 and not more than N, and if the nth first generation collection request is sent by the resource system based on the current request if the nth first generation collection request is receivedSending prompt information with insufficient balance, namely, if the current balance of the repayment account information is smaller than the repayment amount of the sub-repayment bill corresponding to the request, pausing sending the collection-substituted request, continuously splitting the sub-repayment bill corresponding to the prompt information, splitting the sub-repayment bill to obtain a plurality of sub-repayment bills in the same way as the last splitting way, namely, splitting the repayment amount M/N of the sub-repayment bill into N parts, and obtaining each repayment amount M/N 2 And the plurality of sub payment bills initiate collection requests to the payment system one by one according to the same process as the process until the prompt information of insufficient balance sent by the resource system is received. According to the above-mentioned process, circularly repeating, making secondary separation of secondary repayment amount receiving prompt message of insufficient balance, until secondary repayment amount M/N obtained after X times of separation X And if the value is less than the preset threshold value, stopping splitting, calculating the repayment successful amount and the repayment failed amount, recording, and further sending the information of the repayment successful amount and the repayment failed amount to the user terminal bound by the user account.
It can be understood that when a repayment initiated by the resource system based on the collection-by-collection request is received, the current balance of the repayment account information is described to be greater than or equal to the repayment amount corresponding to the request, and then the repayment situation is recorded.
In addition, in the above process, after splitting the current amount to be paid each time, it needs to be determined whether a sub-repayment amount is greater than or equal to a preset threshold value in the multiple sub-repayment amounts obtained after splitting, if yes, a collection-substituted request is sent, if all the multiple sub-repayment amounts obtained after splitting are less than the preset threshold value, collection is completed, and the amount of successful repayment and the amount of failed repayment are calculated and recorded.
For the convenience of understanding, the following describes the solution of the present embodiment by taking a practical application scenario. In the application scenario, the repayment bill is averagely split into two sub repayment bills. The amount of money to be paid of a user is 10 thousands, the balance of a bank card account number bound under the user account for payment is assumed to be 8 thousands at the moment, and the preset threshold value is set to be 2000. If 10 ten thousand collection requests are directly sent to the bank corresponding to the bank card, collection fails. According to the scheme of the embodiment, a repayment bill with a repayment amount of 10 ten thousand is split into two 5 ten thousand sub repayment bills, a collection generation request is initiated based on a first 5 universal bank system, at the moment, the bank system initiates 5 repayment due to 8 ten thousand account balances of a bank card, namely, the first collection generation is successful, then, a collection generation request is initiated based on a second 5 universal bank system, at the moment, the balance is 3 ten thousand after the bank card accounts are repayed, and the second 5 ten thousand collection generations are failed, so that the second 5 ten thousand copies are continuously split into two 25000 sub pending repayment amounts, the first collection is successful, the second collection pen is failed, and the remaining balance of the bank card is 5000; the 25000 is continuously divided into two division lists which are divided into two 12500 sub-sum to be paid, and the first collection fails; then the 12500 is continuously divided into two sub-payment amounts of 6250, and the first payment fails; continuing to split 6250 into two sub-payment amounts 3125, the first payment is successful, the second payment is failed, and the bank card remains 1875; and continuously performing secondary splitting on the 3125 list to split the list into two 1563 (rounded up after splitting) sub-to-be-paid amounts, and at this time, if the split sub-to-be-paid amount is less than the preset threshold 2000, then the operations of collection and splitting are not continued, and collection is terminated. The user finally succeeds in paying 78125, and the purpose of paying as much as possible is achieved.
It can be understood that the preset threshold 3000 in the foregoing practical application scenario is only an example, and in practical applications, a user may set the preset threshold as needed, for example, the preset threshold is set to be one tenth or one hundredth of the amount to be paid.
In addition, if the balance corresponding to the repayment account information is sufficient and is sufficient for repaying the loan at one time, the resource system can directly initiate repayment to the account management system when receiving the collection-substituting request for the first time, that is, if the account management system receives the repayment initiated by the resource system based on the collection-substituting request and the repayment amount is equal to the total amount of the repayment due to the user account, the state of the user account is updated to be that the repayment is completed.
According to the data processing method provided by the embodiment, when the payment deadline of a user account is detected to be up, the payment account information bound by the user account is obtained, the amount to be paid is calculated, a payment bill is generated, a payment account is sent to a resource system according to the payment account information, the payment bill and a payment agreement between resource systems corresponding to the payment account information, if a prompt message that the balance returned by the resource system based on the payment account information is insufficient is received, the current payment bill is split into a plurality of sub payment bills according to the amount to be paid, when the payment amount of the sub payment bills is larger than or equal to a preset threshold value, payment substitution requests are sent to the resource system respectively according to the plurality of sub payment amounts, whether the sub payment amount is split continuously or not is determined according to a feedback result of the resource system, the splitting is stopped until the split sub payment amount is smaller than the preset threshold value, when the split sub payment amounts are all smaller than the preset threshold value, the successful payment amount and the maximum effective payment amount of the payment account can be recorded, and the payment of the user can be realized through the maximum effective payment account amount binding in the mode.
A second embodiment of the data processing method of the present invention is proposed based on the first embodiment. In the present embodiment, between step S10 and step S20, the method further includes the steps of:
acquiring a single transferable resource limit corresponding to the repayment account information;
if the amount to be paid is less than or equal to the single transferable resource limit, executing step S20;
if the amount to be paid is larger than the single transferable resource amount, splitting the repayment bill into a plurality of sub repayment bills which are equal to or smaller than the single transferable resource amount, and executing the step S40.
In the scheme provided in this embodiment, before initiating the collection-as-received request for the first time, the single transferable resource amount set by the repayment account information is considered, if the amount to be repayed is greater than the single transferable resource amount, the repayment bill is split into a plurality of sub-repayment bills with repayment amounts equal to or less than the single transferable resource amount, and the collection-as-received request is sequentially sent, for example, the amount to be repayed of the user is 20 ten thousands, the balance corresponding to the repayment account information is 18 thousands, and the single transferable resource amount is 5 thousands, the 20 thousands are split into 5 thousands, and 5 thousands. If the first three 5 ten thousand payments are successfully collected and the fourth payment fails, the 5 ten thousand sub-payment bills are continuously split in a circulating and reciprocating manner according to the method in the first embodiment until the split payment amount is smaller than the preset threshold value. This process is not described in detail herein. Wherein, the resource limit which can be transferred once can be obtained by initiating a query request to the resource system.
Optionally, in other embodiments, before initiating the collection-by-agency request for the first time, considering the single-day transferable resource amount set by the payment account information, in particular, the data processing program may be further executed by the processor 12, so as to implement the following steps between step S10 and step S20:
acquiring a single-day transferable resource limit corresponding to the repayment account information; if the calculated amount of money to be paid is less than or equal to the single-day transferable resource limit, executing the step S20; if the calculated amount to be paid is larger than the single-day transferable resource amount, dividing the repayment bill into a plurality of sub repayment bills of which the repayment amount is equal to or smaller than the single-day transferable resource amount; currently, collection of money is performed only on the first sub-repayment bill obtained by splitting, the remaining repayment amount is recorded, collection of money is performed on the second sub-repayment bill in the next day, and so on until collection of money for all the sub-repayment bills is completed, wherein collection of money for each sub-repayment amount is performed according to the method in the first embodiment.
Furthermore, an embodiment of the present invention also provides a computer-readable storage medium, where a data processing program is stored, and the data processing program is executable by one or more processors to implement the following operations:
b1, when detecting that the repayment deadline of a user account is expired, acquiring repayment account information bound by the user account, calculating the amount of money to be repayed, and generating a repayment bill according to the amount of money to be repayed;
b2, sending a collection-replacing request to the resource system according to the repayment account information, the repayment bill and a collection-replacing protocol between the resource systems corresponding to the repayment account information;
b3, if the prompt information that the balance is insufficient and is returned by the resource system based on the collection request is received, splitting the current repayment bill into a plurality of sub repayment bills according to the amount to be repayed, and judging whether the repayment amounts of the sub repayment bills are all smaller than a preset threshold value;
b4, if not, respectively taking the plurality of sub payment bills as current payment bills, and sequentially executing the step B2;
and B5, if yes, calculating the amount of successful repayment and the amount of failed repayment, and recording.
The embodiment of the computer readable storage medium of the present invention is substantially the same as the embodiments of the data processing apparatus and method, and will not be described herein in a repeated manner.
It should be noted that, the above numbers of the embodiments of the present invention are only for description, and do not represent the advantages and disadvantages of the embodiments. And the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, apparatus, article, or method that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, apparatus, article, or method. Without further limitation, an element defined by the phrase "comprising a … …" does not exclude the presence of another identical element in a process, apparatus, article, or method that comprises the element.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. 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 (e.g., ROM/RAM, magnetic disk, optical disk) as described above and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.

Claims (10)

1. A data processing apparatus, characterized in that the apparatus comprises a memory and a processor, the memory having stored thereon a data processing program operable on the processor, the data processing program realizing the following steps when executed by the processor:
a1, an account management system monitors repayment time limit of each user account in the system regularly or in real time, when detecting that the repayment time limit of the user account is up, the repayment account information bound with the user account is obtained, the amount to be repayed is calculated, a repayment bill is generated according to the amount to be repayed, and a single transferable resource limit corresponding to the repayment account information is obtained;
a2, sending a collection-replacing request to the resource system according to the repayment account information, the repayment bill and a collection-replacing protocol between the resource systems corresponding to the repayment account information;
a3, if prompt information of insufficient balance returned by the resource system based on the collection request is received, when the amount to be paid is larger than the single transferable resource amount, splitting the current repayment bill into a plurality of sub repayment bills which are equal to or smaller than the single transferable resource amount, and judging whether the repayment amounts of the sub repayment bills are all smaller than a preset threshold value;
a4, if not, respectively taking the plurality of sub payment bills as current payment bills, and sequentially executing the step A2;
and A5, if yes, calculating the amount of successful repayment and the amount of failed repayment, and recording.
2. The data processing apparatus of claim 1, wherein the splitting of the current repayment bill into a plurality of sub repayment bills equal to or less than the single transferable resource amount comprises:
and averagely splitting the current repayment bill into a plurality of sub repayment bills according to the amount to be repayed.
3. The data processing apparatus according to claim 1 or 2, wherein the data processing program is further executable by the processor to, after the step A2, further implement the steps of:
and if the repayment initiated by the resource system based on the collection request is received and the repayment amount is equal to the total amount of the repayment to be paid by the user account, updating the state of the user account to be the completion of the repayment.
4. The data processing apparatus according to claim 1 or 2, wherein the data processing program is further executable by the processor to, between the step A1 and the step A2, further implement the steps of:
and if the amount to be paid is less than or equal to the single transferable resource limit, executing the step A2.
5. The data processing apparatus of claim 1, wherein the step of calculating an amount to be paid comprises:
inquiring loan information of the user account, wherein the loan information comprises a loan amount, a loan interest rate and a loan duration;
and calculating the amount to be paid according to the inquired loan amount, loan interest rate and loan duration.
6. A method of data processing, the method comprising:
b1, the account management system monitors the repayment period of each user account in the system regularly or in real time, and when the repayment period of the user account is detected to be expired, the repayment account information bound to the user account is acquired, the amount to be repayed is calculated, a repayment bill is generated according to the amount to be repayed, and a single transferable resource limit corresponding to the repayment account information is acquired;
b2, sending a collection-replacing request to the resource system according to the repayment account information, the repayment bill and a collection-replacing protocol between the resource systems corresponding to the repayment account information;
b3, if the prompt information of insufficient balance returned by the resource system based on the collection request is received, when the amount to be paid is larger than the single transferable resource limit, splitting the current repayment bill into a plurality of sub repayment bills which are equal to or smaller than the single transferable resource limit, and judging whether the repayment amounts of the sub repayment bills are all smaller than a preset threshold value;
b4, if not, respectively taking the plurality of sub repayment bills as current repayment bills, and sequentially executing the step B2;
and B5, if yes, calculating the amount of successful repayment and the amount of failed repayment, and recording.
7. The data processing method of claim 6, wherein the splitting of the current repayment bill into a plurality of sub repayment bills equal to or smaller than the single transferable resource amount comprises:
and averagely dividing the current repayment bill into a plurality of sub repayment bills according to the amount to be repayed.
8. The data processing method according to claim 6 or 7, characterized in that after said step B2, said method further comprises the steps of:
and if the repayment initiated by the resource system based on the collection request is received and the repayment amount is equal to the total amount of the repayment to be paid by the user account, updating the state of the user account to be the completion of the repayment.
9. The data processing method according to claim 6 or 7, wherein between said step B1 and said step B2, said method further comprises:
and if the amount to be paid is less than or equal to the single transferable resource limit, executing the step B2.
10. A computer-readable storage medium having stored thereon a data processing program executable by one or more processors to perform the steps of the data processing method of any one of claims 6 to 9.
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