CN112581255A - Method, apparatus, device and computer readable medium for processing loan - Google Patents
Method, apparatus, device and computer readable medium for processing loan Download PDFInfo
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Abstract
The invention discloses a method, a device, equipment and a computer readable medium for processing loan, and relates to the technical field of computers. One embodiment of the method comprises: knowing the actual available amount of the loan based on the identification of the loan, wherein the identification of the loan is sent by a client through a loan request; receiving a payment request of a client, wherein the payment request comprises currency and payment amount; converting the payment amount into the amount of money of the amount and the currency according to the real-time exchange rate and the currency, and judging whether the amount of the amount and the currency meets the loan condition or not according to the actual available amount of the loan; and feeding back a payment result to the client according to the judgment result of the amount of the money amount. This embodiment can shorten the time for processing the loan.
Description
Technical Field
The present invention relates to the field of computer technology, and more particularly, to a method, apparatus, device, and computer-readable medium for processing a loan.
Background
Loans are a form of credit activity in which a bank or other financial institution borrows monetary funds at a rate and must return. The bank puts in the centralized currency and the currency fund in a loan mode, and meanwhile, the bank can obtain the income of loan interest and increase the accumulation of the bank.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art: in the actual loan process, the loan is processed for a long time because the loan is limited in the branch currency and the time for determining the available credit of the loan is long.
Disclosure of Invention
Embodiments of the present invention provide a method, apparatus, device and computer readable medium for processing a loan, which can shorten the time for processing the loan.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a method of processing a loan, including:
knowing the actual available amount of the loan based on the identification of the loan, wherein the identification of the loan is sent by a client through a loan request;
receiving a payment request of a client, wherein the payment request comprises currency and payment amount;
converting the payment amount into the amount of money of the amount and the currency according to the real-time exchange rate and the currency, and judging whether the amount of the amount and the currency meets the loan condition or not according to the actual available amount of the loan;
and feeding back a payment result to the client according to the judgment result of the amount of the money amount.
The loan request is received via application software.
The loan-based identification is used for knowing the actual available amount of the loan, and comprises the following steps:
if the guarantee mode of the loan identifier is credit guarantee, the actual usable limit of the credit guarantee is used as the credit granting limit of the loan;
and determining the actual usable limit of the loan based on the credit granting limit of the loan.
The loan-based identification is used for knowing the actual available amount of the loan, and comprises the following steps:
if the guarantee mode of the loan identifier is quality guarantee, the quality evaluation value of the quality guarantee is used as the credit granting amount of the loan;
and determining the actual usable limit of the loan based on the credit granting limit of the loan.
If the guarantee mode of the loan identifier is quality guarantee, the method takes the quality valuation of the quality guarantee as the credit granting amount of the loan and comprises the following steps:
the guarantee mode of the loan identifier is a quality guarantee, the guarantee information is uploaded to a server, and the guarantee evaluation value is received;
and using the value of the security of the quality guarantee as the credit line of the loan.
The uploading of the escort information to the server and the receiving of the escort valuation comprise:
and uploading the changed escorting information to a server, and receiving the changed escorting valuation.
The step of determining the actual usable limit of the loan based on the credit granting limit of the loan comprises the following steps:
and determining the actual usable limit of the loan based on the credit granting limit of the loan and the historical use limit of the loan.
And displaying the credit granting amount of the loan and the actual usable amount of the loan on an output page.
The receiving of the customer's request for payment includes:
a customer's request for payment is received by the application software.
And the currency belongs to a processing currency corresponding to the identifier of the loan.
Converting the payment amount into the amount of money of the money type according to the real-time exchange rate and the money type, and the method comprises the following steps:
inquiring the real-time exchange rate by the currency to obtain the exchange rate of the currency and the amount currency;
and converting the payment amount into the money amount of the money type according to the exchange rate of the money type and the money type of the money amount.
Before the querying the real-time exchange rate by the currency, the method further comprises:
and updating the real-time exchange rate.
The step of judging whether the money amount of the money amount currency accords with the loan condition or not according to the actual available money amount of the loan comprises the following steps:
the actual available amount of the loan is larger than or equal to the amount of the amount currency, and the amount of the amount currency accords with the loan condition;
and if the actual available amount of the loan is smaller than the amount of the amount currency, the amount of the amount currency does not accord with the loan condition.
The update period of the real-time exchange rate is 24 hours.
The method further comprises the following steps:
setting the actual use amount to zero in response to the loan amount cancellation request.
The feeding back a payment result to the client according to the judgment result of the amount of the money amount, comprising:
feeding back a payment result to the client in a preset mode according to the judgment result of the amount of the money amount, wherein the preset mode comprises one or more of the following modes: phone, text message, social media information, and application message.
The actual available credit of the loan is updated in real time.
According to a second aspect of the embodiments of the present invention, there is provided an apparatus for processing a loan, including:
the information module is used for acquiring the actual available amount of the loan based on the identification of the loan, and the identification of the loan is sent by a client through a loan request;
the receiving module is used for receiving a payment request of a client, wherein the payment request comprises currency and payment amount;
the conversion module is used for converting the payment amount into the amount of the money type according to the real-time exchange rate and the money type, and judging whether the amount of the money type accords with the loan condition or not according to the actual available amount of the loan;
and the feedback module is used for feeding back a payment result to the client according to the judgment result of the amount of the money amount.
According to a third aspect of the embodiments of the present invention, there is provided an electronic apparatus for processing a loan, including:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method as described above.
According to a fourth aspect of embodiments of the present invention, there is provided a computer readable medium, on which a computer program is stored, which when executed by a processor, implements the method as described above.
One embodiment of the above invention has the following advantages or benefits: knowing the actual available amount of the loan based on the identification of the loan, wherein the identification of the loan is sent by a client through a loan request; receiving a payment request of a client, wherein the payment request comprises currency and payment amount; converting the payment amount into the amount of money of the amount and the currency according to the real-time exchange rate and the currency, and judging whether the amount of the amount and the currency meets the loan condition or not according to the actual available amount of the loan; and feeding back a payment result to the client according to the judgment result of the amount of the money amount. In the process of processing the loan, the money type of the loan is not limited, and the available credit of the loan can be determined in time, thereby shortening the time for processing the loan.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic view of the main flow of a method of processing a loan, according to an embodiment of the invention;
FIG. 2 is a schematic flow chart of learning the actual available amount of a loan based on the identification of the loan, according to an embodiment of the invention;
FIG. 3 is another schematic flow diagram for learning the actual available amount of a loan based on the identification of the loan, in accordance with an embodiment of the invention;
FIG. 4 is a flow diagram illustrating the process of using a pledge valuation of a pledge as a credit line for a loan, in accordance with an embodiment of the present invention;
FIG. 5 is a schematic diagram of a process for converting a payment amount into a monetary amount according to an embodiment of the present invention;
fig. 6 is a schematic diagram of the main structure of an apparatus for processing a loan according to an embodiment of the invention;
FIG. 7 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 8 is a schematic structural diagram of a computer system suitable for implementing a terminal device or a server according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Currently, the loan is limited in the currency of the loan, and the time to determine the amount of the loan available is long, so the time to process the loan is long.
In order to solve the technical problem of long loan processing time, the following technical scheme in the embodiment of the invention can be adopted.
Referring to fig. 1, fig. 1 is a schematic diagram of the main flow of a method for processing a loan, in which the actual available quota of the loan is updated in real time and the loan result is fed back in time in response to a loan request according to an embodiment of the invention. As shown in fig. 1, the method specifically comprises the following steps:
s101, the actual usable limit of the loan is known based on the identification of the loan, and the identification of the loan is sent by the client through a loan request.
In an embodiment of the invention, the loan may be a portfolio mortgage loan. Differentiation is identified for each loan. The client knows the actual available amount of the loan by sending a loan request.
In an embodiment of the present invention, the technical solution in the embodiment of the present invention may be implemented in application software. The application software is specifically applied to a mobile terminal or a computer terminal.
The customer sends a loan request through the application software. Then, after receiving a loan request sent by a client through the application software, the actual available limit of the loan is further known based on the identification of the loan. As one example, the actual available amount of the loan is updated in real time.
The actual amount of credit available for the loan is a measure of the currency the loan may currently use. For the same loan, the customer may make multiple payments, but the total payment needs to be less than the credit line of the loan. It will be appreciated that the actual amount of credit available for the loan is a value that varies with the client's spending.
The credit line refers to a stock management index of a short-term credit service approved by a commercial bank for a client, and can be generally divided into a single credit line for loan, a line for borrowing enterprises and a line for group borrowing enterprises. As long as the credit balance does not exceed the corresponding business variety index, no matter what the accumulated issued amount and the issuing times are, the business banking department can quickly provide short-term credit for the client, namely, the enterprise can conveniently and circularly use the short-term credit fund of the bank, thereby meeting the requirements of the client on the rapidness and convenience of financial service.
Referring to fig. 2, fig. 2 is a schematic flow chart illustrating the process of knowing the actual available amount of the loan based on the identification of the loan, wherein the guarantee mode is credit guarantee, according to the embodiment of the invention. The method specifically comprises the following steps:
s201, if the guarantee mode of the loan mark is credit guarantee, the actual usable limit of the credit guarantee is used as the credit granting limit of the loan.
The manner in which the loan is secured may be known based on the identification of the loan. As an example, the loan is secured in a database, which may be queried based on the identification of the loan.
The credit guarantee does not relate to a security, and the actual usable limit of the credit guarantee may be the granted limit of the loan. As an example, the actual amount of credit guarantee available is 500 RMB, and the credit line of the loan is 500 RMB.
S202, determining the actual usable limit of the loan based on the credit limit of the loan.
The credit line of the loan is the maximum value of the actual available line of the loan. When the historical use limit of the loan is zero, the actual use limit of the loan is the credit limit of the loan. The historical use limit of the loan is the sum of the existing use limits of the loan.
In one embodiment of the invention, the actual amount of use of the loan is determined based on the amount of credit granted to the loan and the historical amount of use of the loan. Specifically, the actual amount of use of the loan is equal to the difference between the amount of credit of the loan and the historical amount of use of the loan.
In one embodiment of the invention, the amount of credit of the loan and the actual amount of credit of the loan are both displayed on the output page in order to notify the customer in a timely manner.
As an example, if a client sends a loan request through application software of a mobile terminal, the credit line of the loan and the actual usable line of the loan may be seen on the output page of the mobile terminal.
As another example, if a client sends a loan request through the application software on the computer side, the credit line of the loan and the actual available line of the loan may be seen on the output page of the computer side.
In the embodiment of FIG. 2, for credit guarantees, the actual amount of use may be determined based on the amount of credit granted.
Referring to fig. 3, fig. 3 is another flow diagram illustrating the process of knowing the actual available amount of a loan based on the identification of the loan, in a guarantee manner of a pledge, according to an embodiment of the invention. The method specifically comprises the following steps:
s301, if the guarantee mode of the loan mark is quality guarantee, the quality evaluation value of the quality guarantee is used as the credit granting amount of the loan.
Pledge is a way to secure debts, i.e., a debtor may use a mobile or legitimate rights voucher with his own right as a mobile to a creditor, or a third party may use a mobile or legitimate rights voucher with his own right as a mobile to a creditor to provide a guarantee to the debtor.
If the guarantee mode of the loan identifier is a pledge, the value of the pledge is used as the credit line of the loan.
Referring to fig. 4, fig. 4 is a schematic flow chart of using a value of a pledge as a credit line of a loan according to an embodiment of the present invention, which specifically includes the following steps:
s401, the guarantee mode of the loan identification is quality guarantee, the guarantee information is uploaded to the server, and the guarantee evaluation value is received.
The guarantee mode of the loan identification is quality guarantee, a preset component is called when a security is newly added, and security information is uploaded to a server so as to add security information in a database and receive security evaluation value and security serial number.
S402, the quality evaluation value of the quality guarantee is used as the credit granting amount of the loan.
The security number fed back by the database is saved in the loan. The loan number is associated with the loan, and the value of the pledge is used as the credit line of the loan.
In one embodiment of the invention, when the escort information needs to be changed, the changed escort information can be uploaded to the server and the changed escort evaluation value can be received. And further updating the security information.
In the embodiment of fig. 4, for a pledge, a collateral valuation is received from the server, which in turn learns the credit line.
S302, determining the actual usable limit of the loan based on the credit limit of the loan.
The credit line of the loan is the maximum value of the actual available line of the loan. When the historical use limit of the loan is zero, the actual use limit of the loan is the credit limit of the loan. The historical use limit of the loan is the sum of the use limit of the loan.
In one embodiment of the invention, the actual amount of use of the loan is determined based on the amount of credit granted to the loan and the historical amount of use of the loan. Specifically, the actual amount of use of the loan is equal to the difference between the amount of credit of the loan and the historical amount of use of the loan.
In one embodiment of the invention, the amount of credit of the loan and the actual amount of credit of the loan are both displayed on the output page in order to notify the customer in a timely manner.
As an example, if a client sends a loan request through application software of a mobile terminal, the credit line of the loan and the actual usable line of the loan may be seen on the output page of the mobile terminal.
As another example, if a client sends a loan request through the application software on the computer side, the credit line of the loan and the actual available line of the loan may be seen on the output page of the computer side.
In the embodiment of fig. 3, the guarantee mode is a quality guarantee, and the value of the security is used as the authorized amount, and then the actual usable amount is determined.
It will be appreciated that the actual amount of credit, whether credit or pledge, may be updated in real time to meet the real-time processing requirements for the loan. Of course, the real-time available quota may also be updated according to a preset period, such as: the preset period is equal to 24 hours.
S102, receiving a payment request of a client, wherein the payment request comprises currency and payment amount.
The payment is the actual loan placement for the customer. A customer's request for a purchase may be received by the application software. As an example, the application software is application software of a mobile terminal, and a customer's request for payment may be received through the mobile terminal. As another example, the application software is computer-side application software, and the request for supporting may be received by a client through the computer side.
The currency and the payment amount are included in the request for payment. Wherein, the currency belongs to the processing currency corresponding to the loan identifier.
S103, converting the payment amount into the amount of the credit and the currency according to the real-time exchange rate and the currency, and judging whether the amount of the credit and the currency meets the loan condition or not according to the actual available credit of the loan.
The exchange rate has larger fluctuation along with the time, and the payment amount can be converted into the amount of the money according to the real-time exchange rate and the money type, so as to judge whether the amount of the money type accords with the loan condition.
Referring to fig. 5, fig. 5 is a schematic flow chart of converting a payment amount into a money amount according to an embodiment of the present invention, which specifically includes the following steps:
s501, inquiring the real-time exchange rate according to the currency to obtain the exchange rate of the currency and the amount and the currency.
If the currency type in the request is different from the money amount type, the real-time exchange rate is inquired by the currency type to obtain the exchange rate of the currency type and the money amount type. The money type is the money type corresponding to the actual available money.
In one embodiment of the invention, because the exchange rate is updated in real time, exchange rate conversion is required during the loan phase. To improve conversion accuracy, the real-time exchange rate may be updated before the real-time exchange rate is queried by currency.
As an example, the update period of the real-time exchange rate is 24 hours, i.e. the exchange rate is updated once every 24 hours.
S502, converting the payment amount into the amount of the money type according to the exchange rate of the money type and the money type.
The product of the sum of money and exchange rate, i.e. the sum of money and currency, wherein the exchange rate is the exchange rate between the currency and the sum of money.
In the embodiment of FIG. 5, the amount of credit in the credit request may be converted to a monetary amount.
Whether the amount of the money is in line with the loan condition or not is judged, and the following two conditions are provided:
the first condition is as follows:
if the actual available amount of the loan is larger than or equal to the amount of the amount currency, the amount currency conforms to the loan condition.
When the actual available amount of the loan is larger than or equal to the amount of the amount currency, the loan can meet the demand of the client, namely, the amount currency conforms to the loan condition.
Case two:
if the actual available amount of the loan is less than the amount of money, the amount of money does not accord with the loan condition.
When the actual available amount of the loan is less than the amount of money, the loan cannot meet the customer's request for payment, namely, the amount of money does not meet the loan condition.
S104, feeding back a payment result to the client according to the judgment result of the amount of the money.
After the judgment result of the amount of money is obtained, the payment result can be fed back to the client. As an example, if the credit amount of the amount currency is judged to be in accordance with the loan condition, the successful payment is fed back to the client; if the judgment result of the amount of money is that the loan condition is not met, the successful payment is fed back to the client.
In an embodiment of the present invention, the supporting result may also be fed back to the client through a preset manner. Namely, according to the judgment result of the amount of the money amount, the payment result is fed back to the client in a preset mode, and the preset mode comprises one or more of the following modes: phone, text message, social media information, and application message. The social media information refers to information received by the client in the social media. An application message is a message that a client receives in application software. Such as: a message received in an application software of a mobile terminal.
In one embodiment of the present invention, the actual use amount may also be set to zero for the client's request for cancellation of the loan amount. That is, in response to the loan amount cancellation request, the actual usable amount is set to zero. Wherein the request for cancellation of the credit line may be received through the application software.
In the above embodiment, the actual available amount of the loan is known based on the identification of the loan, which is sent by the client through the loan request; receiving a payment request of a client, wherein the payment request comprises currency and payment amount; converting the payment amount into the amount of money of the amount and the currency according to the real-time exchange rate and the currency, and judging whether the amount of the amount and the currency meets the loan condition or not according to the actual available amount of the loan; and feeding back a payment result to the client according to the judgment result of the amount of the money amount. In the process of processing the loan, the money type of the loan is not limited, and the available credit of the loan can be determined in time, thereby shortening the time for processing the loan.
The technical scheme in the embodiment of the invention is that aiming at the current development characteristics when the credit business of the new generation is rapidly developed, a new characteristic mode of the property combination pledge loan is provided, and the invention mainly has the following characteristics:
multi-currency loan payment for a portfolio mortgage. At present, the rules that the payment must be consistent with the principal promised currency in the ' new generation ' personal loan system are modified, and the ' payment is not limited by the supported currency, and the payment of multiple currencies are supported.
The system supports cyclic support for the property group pledge loan in the 'new generation' loan system. And the overrun check of the multi-currency payment is realized, and the check comprises the real-time update of the loan process.
Referring to fig. 6, fig. 6 is a schematic diagram of a main structure of an apparatus for processing a loan, which may implement a method for processing a loan, according to an embodiment of the present invention, as shown in fig. 6, the apparatus for processing a loan specifically includes:
the information module 601 is used for knowing the actual available limit of the loan based on the identification of the loan, wherein the identification of the loan is sent by a client through a loan request;
a receiving module 602, configured to receive a payment request of a customer, where the payment request includes a currency and a payment amount;
the conversion module 603 is used for converting the payment amount into a money amount of a money amount according to the real-time exchange rate and the money type, and judging whether the money amount of the money amount meets the loan condition or not according to the actual available amount of the loan;
the feedback module 604 is configured to feed back a payment result to the client according to the determination result of the amount of the money.
In one embodiment of the invention, the loan request is received through application software.
In an embodiment of the present invention, the information module 601, specifically, if the guarantee mode of the identifier for the loan is credit guarantee, uses an actual available line of the credit guarantee as the credit line granted to the loan;
and determining the actual usable limit of the loan based on the credit granting limit of the loan.
In an embodiment of the present invention, the information module 601, specifically, if the guarantee mode for the identifier of the loan is a pledge, uses a value of a pledge of the pledge as the credit line of the loan;
and determining the actual usable limit of the loan based on the credit granting limit of the loan.
In an embodiment of the present invention, the information module 601, specifically, the guarantee mode for the identifier of the loan is a pledge, uploads pledge information to the server, and receives the pledge valuation;
and using the value of the security of the quality guarantee as the credit line of the loan.
In an embodiment of the present invention, the information module 601 is specifically configured to upload the modified security information to the server, and receive the modified security evaluation value.
In an embodiment of the present invention, the information module 601 is specifically configured to determine an actual available limit of the loan based on the credit line of the loan and the historical usage limit of the loan.
In one embodiment of the invention, the amount of credit of the loan and the actual amount of credit of the loan are both displayed in an output page.
In an embodiment of the present invention, the receiving module 602 is specifically configured to receive a request for a customer to use through application software.
In one embodiment of the invention, the currency belongs to a processing currency corresponding to the identification of the loan.
In an embodiment of the present invention, the conversion module 603 is specifically configured to query the real-time exchange rate according to the currency to obtain the exchange rate between the currency and the amount currency;
and converting the payment amount into the money amount of the money type according to the exchange rate of the money type and the money type of the money amount.
In an embodiment of the present invention, the scaling module 603 is further configured to update the real-time exchange rate.
In an embodiment of the present invention, the conversion module 603 is specifically configured to determine that the actual available amount of the loan is greater than or equal to the amount of the amount currency, and the amount of the amount currency meets the loan condition;
and if the actual available amount of the loan is smaller than the amount of the amount currency, the amount of the amount currency does not accord with the loan condition.
In one embodiment of the invention, the update period of the real-time exchange rate is 24 hours.
In an embodiment of the present invention, the information module 601 is further configured to set the actual available credit to zero in response to a request for canceling the credit limit.
In an embodiment of the present invention, the feedback module 604 is specifically configured to feed back a payment result to the client in a preset manner according to a determination result of the amount of the money amount, where the preset manner includes one or more of the following: phone, text message, social media information, and application message.
In one embodiment of the invention, the actual available credit of the loan is updated in real time.
Fig. 7 illustrates an exemplary system architecture 700 for a method of processing a loan or an apparatus for processing a loan, to which embodiments of the invention may be applied.
As shown in fig. 7, the system architecture 700 may include terminal devices 701, 702, 703, a network 704, and a server 705. The network 704 serves to provide a medium for communication links between the terminal devices 701, 702, 703 and the server 705. Network 704 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.
A user may use the terminal devices 701, 702, 703 to interact with a server 705 over a network 704, to receive or send messages or the like. The terminal devices 701, 702, 703 may have installed thereon various communication client applications, such as a shopping-like application, a web browser application, a search-like application, an instant messaging tool, a mailbox client, social platform software, etc. (by way of example only).
The terminal devices 701, 702, 703 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 705 may be a server providing various services, such as a background management server (for example only) providing support for shopping websites browsed by users using the terminal devices 701, 702, 703. The backend management server may analyze and perform other processing on the received data such as the product information query request, and feed back a processing result (for example, target push information, product information — just an example) to the terminal device.
It should be noted that the method for processing a loan provided by the embodiment of the present invention is generally executed by the server 705, and accordingly, a device for processing a loan is generally disposed in the server 705.
It should be understood that the number of terminal devices, networks, and servers in fig. 7 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 8, shown is a block diagram of a computer system 800 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 8 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 8, the computer system 800 includes a Central Processing Unit (CPU)801 that can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. In the RAM 803, various programs and data necessary for the operation of the system 800 are also stored. The CPU 801, ROM 802, and RAM 803 are connected to each other via a bus 804. An input/output (I/O) interface 805 is also connected to bus 804.
The following components are connected to the I/O interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including a signal such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that a computer program read out therefrom is mounted on the storage section 808 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. The computer program executes the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 801.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes an information module, a receiving module, a scaling module, and a feedback module. Where the names of these modules do not in some way constitute a limitation on the modules themselves, for example, the information element may also be described as "for knowing the actual amount of credit available for the loan based on the identification of the loan that the customer sent through the loan request".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise:
knowing the actual available amount of the loan based on the identification of the loan, wherein the identification of the loan is sent by a client through a loan request;
receiving a payment request of a client, wherein the payment request comprises currency and payment amount;
converting the payment amount into the amount of money of the amount and the currency according to the real-time exchange rate and the currency, and judging whether the amount of the amount and the currency meets the loan condition or not according to the actual available amount of the loan;
and feeding back a payment result to the client according to the judgment result of the amount of the money amount.
According to the technical scheme of the embodiment of the invention, the actual available limit of the loan is obtained based on the identification of the loan, and the identification of the loan is sent by a client through a loan request; receiving a payment request of a client, wherein the payment request comprises currency and payment amount; converting the payment amount into the amount of money of the amount and the currency according to the real-time exchange rate and the currency, and judging whether the amount of the amount and the currency meets the loan condition or not according to the actual available amount of the loan; and feeding back a payment result to the client according to the judgment result of the amount of the money amount. In the process of processing the loan, the money type of the loan is not limited, and the available credit of the loan can be determined in time, thereby shortening the time for processing the loan.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (20)
1. A method for processing a loan, comprising:
knowing the actual available amount of the loan based on the identification of the loan, wherein the identification of the loan is sent by a client through a loan request;
receiving a payment request of a client, wherein the payment request comprises currency and payment amount;
converting the payment amount into the amount of money of the amount and the currency according to the real-time exchange rate and the currency, and judging whether the amount of the amount and the currency meets the loan condition or not according to the actual available amount of the loan;
and feeding back a payment result to the client according to the judgment result of the amount of the money amount.
2. A method for processing a loan as claimed in claim 1, wherein the loan request is received via application software.
3. The method of processing a loan as claimed in claim 1, wherein the learning of the actual available amount of the loan based on the identification of the loan comprises:
if the guarantee mode of the loan identifier is credit guarantee, the actual usable limit of the credit guarantee is used as the credit granting limit of the loan;
and determining the actual usable limit of the loan based on the credit granting limit of the loan.
4. The method of processing a loan as claimed in claim 1, wherein the learning of the actual available amount of the loan based on the identification of the loan comprises:
if the guarantee mode of the loan identifier is quality guarantee, the quality evaluation value of the quality guarantee is used as the credit granting amount of the loan;
and determining the actual usable limit of the loan based on the credit granting limit of the loan.
5. The method of processing a loan of claim 4, wherein if the identified type of guarantee of the loan is a pledge, then using the value of the pledge as the credit line of the loan comprises:
the guarantee mode of the loan identifier is a quality guarantee, the guarantee information is uploaded to a server, and the guarantee evaluation value is received;
and using the value of the security of the quality guarantee as the credit line of the loan.
6. The method of processing a loan of claim 5, wherein uploading collateral information to a server and receiving the collateral valuations comprises:
and uploading the changed escorting information to a server, and receiving the changed escorting valuation.
7. The method for processing loan according to claim 4 or 5, wherein the determining the actual available amount of the loan based on the amount of credit granted to the loan comprises:
and determining the actual usable limit of the loan based on the credit granting limit of the loan and the historical use limit of the loan.
8. The method of processing a loan according to claim 7, wherein the credit line of the loan and the actual available line of the loan are both displayed on an output page.
9. A method for processing a loan according to any of claims 1 to 4, wherein the receiving a request for a purchase by a customer comprises:
a customer's request for payment is received by the application software.
10. The method for processing the loan according to any of the claims 1 to 4, wherein the currency belongs to the processing currency corresponding to the identifier of the loan.
11. The method for processing loan according to any of claims 1 to 4, wherein said converting the amount of credit to an amount of currency according to the real-time exchange rate and the currency comprises:
inquiring the real-time exchange rate by the currency to obtain the exchange rate of the currency and the amount currency;
and converting the payment amount into the money amount of the money type according to the exchange rate of the money type and the money type of the money amount.
12. The method for processing a loan of claim 11, wherein said querying said real-time rate by said currency further comprises, prior to:
and updating the real-time exchange rate.
13. The method for processing loan according to any of claims 1 to 4, wherein the determining whether the amount of the money is in accordance with the loan condition according to the actual available amount of the loan comprises:
the actual available amount of the loan is larger than or equal to the amount of the amount currency, and the amount of the amount currency accords with the loan condition;
and if the actual available amount of the loan is smaller than the amount of the amount currency, the amount of the amount currency does not accord with the loan condition.
14. A method for processing loan according to any of claims 1 to 4, wherein the update period of the real-time rate is 24 hours.
15. A method for processing a loan according to any of claims 1 to 4, characterized in that the method further comprises:
setting the actual use amount to zero in response to the loan amount cancellation request.
16. The method for processing loan according to any of claims 1 to 4, wherein the feeding back the result of payment to the client based on the determination result of the monetary amount comprises:
feeding back a payment result to the client in a preset mode according to the judgment result of the amount of the money amount, wherein the preset mode comprises one or more of the following modes: phone, text message, social media information, and application message.
17. The method for processing loan according to any of claims 1 to 4, wherein the actual available amount of the loan is updated in real time.
18. An apparatus for processing a loan, comprising:
the information module is used for acquiring the actual available amount of the loan based on the identification of the loan, and the identification of the loan is sent by a client through a loan request;
the receiving module is used for receiving a payment request of a client, wherein the payment request comprises currency and payment amount;
the conversion module is used for converting the payment amount into the amount of the money type according to the real-time exchange rate and the money type, and judging whether the amount of the money type accords with the loan condition or not according to the actual available amount of the loan;
and the feedback module is used for feeding back a payment result to the client according to the judgment result of the amount of the money amount.
19. An electronic device for processing a loan, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-17.
20. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-17.
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| CN202011479071.6A CN112581255A (en) | 2020-12-14 | 2020-12-14 | Method, apparatus, device and computer readable medium for processing loan |
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| CN202011479071.6A CN112581255A (en) | 2020-12-14 | 2020-12-14 | Method, apparatus, device and computer readable medium for processing loan |
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