CN104361518A - Data processing method and device - Google Patents
Data processing method and device Download PDFInfo
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- CN104361518A CN104361518A CN201410594379.3A CN201410594379A CN104361518A CN 104361518 A CN104361518 A CN 104361518A CN 201410594379 A CN201410594379 A CN 201410594379A CN 104361518 A CN104361518 A CN 104361518A
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Abstract
An embodiment of the invention discloses a data processing method and device. The data processing method includes: receiving operation instructions inputted by a user, wherein the operation instructions include an agreed-amount setting instruction and a repayment amount adjusting instruction; according to the agreed-amount setting instrument, setting agreed amount of repayment; according to the repayment amount adjusting instruction, adjusting the amount of repayment of each period to the agreed amount of repayment. Users can flexibly adjust the amount of repayment of each period as required, and convenience and rapidness of repayment business handling are improved.
Description
Technical field
The present invention relates to areas of information technology, be specifically related to a kind of data processing method and equipment.
Background technology
Along with people's life and the raising of the level of consumption, increasing people is bought house by loan, buying car, and personal loan has become a kind of financial product that people more and more commonly use.The loan system of current Ge Jia bank, what support is all the equal principal of standard, the mode of repayment of single-candidate capital, the disposable standard such as to repay capital with interest, on the one hand, when each issue client refunds, the amount of money of client's this refund that system is good ahead of time, client can only refund according to this fixing amount of money; On the other hand, if client thinks to give back part capital ahead of time, bank can only be arrived ahead of time and handle, and each refund all needs bank to handle, and makes client can not handle reimbursement business quickly and easily.
Summary of the invention
Embodiments provide a kind of data processing method and equipment, the refund amount needing to adjust neatly each issue according to client can be realized, improve the convenience that reimbursement business is handled.
A kind of data processing method, comprising:
Receive the operational order of user's input, described operational order comprises agreement amount and arranges instruction and refund amount adjustment instruction;
Instruction is set according to described agreement amount, agreement amount to pay is set;
According to described refund amount adjustment instruction, the amount to pay adjusting each issue is described agreement amount to pay.
A kind of data processing equipment, comprising:
Receiving element, for receiving the operational order of user's input, described operational order comprises agreement amount and arranges instruction and refund amount adjustment instruction;
Setting unit, for arranging instruction according to described agreement amount, arranges agreement amount to pay;
Adjustment unit, for adjusting instruction according to described refund amount, the amount to pay adjusting each issue is described agreement amount to pay.
In the embodiment of the present invention, receive the operational order of user's input, this operational order comprises agreement amount and arranges instruction and refund amount adjustment instruction; Instruction is set according to this agreement amount, agreement amount to pay is set; According to this refund amount adjustment instruction, the amount to pay adjusting each issue is this agreement amount to pay.Compared with prior art, the embodiment of the present invention no longer requires that client can only refund according to the fixing amount that system budget is good for each issue, thus the embodiment of the present invention can realize the refund amount needing to adjust neatly each issue according to client, improve the convenience that reimbursement business is handled.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme in the embodiment of the present invention, below the accompanying drawing used required in describing embodiment is briefly described, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is the first embodiment schematic flow sheet of a kind of data processing method that the embodiment of the present invention provides;
Fig. 2 is the second embodiment schematic flow sheet of a kind of data processing method that the embodiment of the present invention provides;
Fig. 3 is the 3rd embodiment schematic flow sheet of a kind of data processing method that the embodiment of the present invention provides;
Fig. 4 is the first example structure schematic diagram of a kind of data processing equipment that the embodiment of the present invention provides;
Fig. 5 is the second example structure schematic diagram of a kind of data processing equipment that the embodiment of the present invention provides;
Fig. 6 is the 3rd example structure schematic diagram of a kind of data processing equipment that the embodiment of the present invention provides.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
The embodiment of the present invention provides a kind of data processing method and equipment, can realize the refund amount needing to adjust neatly each issue according to client, improves the convenience that reimbursement business is handled.
Referring to Fig. 1, is the first embodiment schematic flow sheet of a kind of data processing method that the embodiment of the present invention provides.As shown in Figure 1, this data processing method can comprise the following steps:
The operational order of S101, reception user input, described operational order comprises agreement amount and arranges instruction and refund amount adjustment instruction.
In specific implementation, above-mentioned agreement amount refers to that the agreement refund amount of money of each issue that client and credit agency decide through consultation, above-mentioned refund amount refer to the amount of money of should refunding of client each issue.
S102, instruction is set according to described agreement amount, agreement amount to pay is set.
In specific implementation, above-mentioned agreement amount arranges the concrete numerical value that instruction comprises agreement amount to pay, lending server is after the agreement amount receiving user's input arranges instruction, in the loan ledger table of database, search agreement amount to pay field, after finding agreement amount to pay field, the value of its correspondence is set to the concrete numerical value that above-mentioned agreement amount arranges the agreement amount to pay comprised in instruction.Above-mentioned agreement amount to pay includes but are not limited to should go back capital, should go back interest and the capital that exceeds the quata.
S103, according to described refund amount adjustment instruction, the amount to pay adjusting each issue is described agreement amount to pay.
In specific implementation, the amount to pay of above-mentioned each issue is defaulted as lending server minimum amount to pay good in advance, when lending server receives the refund amount adjustment instruction of user's input, the amount to pay of above-mentioned each issue is adjusted to the agreement amount to pay arranged in step S102.
In the embodiment of the present invention, lending server receives the operational order of user's input, and this operational order comprises agreement amount and arranges instruction and refund amount adjustment instruction; Arrange instruction according to this agreement amount, lending server arranges agreement amount to pay; According to this refund amount adjustment instruction, the amount to pay that lending server adjustment is each issue is this agreement amount to pay.Compared with prior art, the embodiment of the present invention no longer requires that client can only refund according to the fixing amount that system budget is good for each issue, thus the embodiment of the present invention can realize the refund amount needing to adjust neatly each issue according to client, improve the convenience that reimbursement business is handled.
Referring to Fig. 2, is the second embodiment schematic flow sheet of a kind of data processing method that the embodiment of the present invention provides.As shown in Figure 2, this data processing method can comprise the following steps:
S201, to arrange current interest value be the first interest rate value.
In specific implementation, client is when providing a loan to credit agency, and need to bear the interest produced by loan principal during providing a loan, the interest rate value that above-mentioned interest specifies with credit agency is relevant.
The credit information of S202, acquisition user input, described credit information comprises the amount of the loan and the length of maturity.
In specific implementation, when opening an account to credit agency's loan, client is applicable to the amount of the loan and the length of maturity of oneself according to the loan Scheme Choice that credit agency provides.After customer selecting loan scheme, lending server by the amount of the loan and the length of maturity stored in loan ledger table, the above-mentioned loan ledger table record relevant information of a loan, the such as amount of the loan, the length of maturity etc.
S203, according to described current interest value and described credit information, calculate the minimum amount to pay of each issue.
In specific implementation, according to the amount of the loan obtained in the current interest value arranged in step S201 and step S202 and the length of maturity, lending server utilizes refund amount of money computing formula to calculate the amount of money of should refunding of each issue, and using the above-mentioned amount of money of should refunding as the minimum amount to pay of each issue.The type of above-mentioned refund amount of money computing formula can be equal principal or single-candidate capital etc.Particularly,
Equal principal: every amount of monthly repayment=[loan principal × rate per month × (1+ rate per month) ^ refund moon number] ÷ [(1+ rate per month) ^ refund moon number-1].
Single-candidate capital: every amount of monthly repayment=(loan principal/refund moon number)+(loan principal-add up to go back capital) × rate per month.
Concrete refund amount of money computing formula is selected according to actual needs, and the embodiment of the present invention is not construed as limiting.
The operational order of S204, reception user input, described operational order comprises agreement amount and arranges instruction and refund amount adjustment instruction.
In specific implementation, above-mentioned agreement amount refers to that the agreement refund amount of money of each issue that client and credit agency decide through consultation, above-mentioned refund amount refer to the amount of money of should refunding of client each issue.
S205, instruction is set according to described agreement amount, agreement amount to pay is set.
In specific implementation, above-mentioned agreement amount arranges the concrete numerical value that instruction comprises agreement amount to pay, lending server is after the agreement amount receiving user's input arranges instruction, in the loan ledger table of database, search agreement amount to pay field, after finding agreement amount to pay field, the value of its correspondence is set to the concrete numerical value that above-mentioned agreement amount arranges the agreement amount to pay comprised in instruction.Above-mentioned agreement amount to pay includes but are not limited to should go back capital, should go back interest and the capital that exceeds the quata.
S206, according to described refund amount adjustment instruction, the amount to pay adjusting each issue is described agreement amount to pay.
In specific implementation, the amount to pay of above-mentioned each issue is defaulted as lending server minimum amount to pay good in advance, when lending server receives the refund amount adjustment instruction of user's input, the amount to pay of above-mentioned each issue is adjusted to the agreement amount to pay arranged in step S205.Above-mentioned agreement amount to pay must higher than the minimum amount to pay calculated in step S203.
S207, when receive user input refund amount reset indication time, according to described refund amount reset indication, the amount to pay resetting described each issue is described minimum amount to pay.
In specific implementation, if client is owing to being provided with agreement amount to pay, cause the amount to pay of each issue more above, refund below and feel pressure, want the amount to pay reducing by each issue next, then when lending server receives refund amount reset indication, the amount to pay of above-mentioned each issue is revised as minimum amount to pay by current agreement amount to pay by lending server.This step can in step S201 ~ S206 before or after arbitrary step, and the embodiment of the present invention is not construed as limiting.
S208, when described current interest value changes, described current interest value is adjusted to the second interest rate value by described first interest rate value;
In specific implementation, only when above-mentioned current interest value changes, just step S209 can be performed.This step can in step S201 ~ S207 before or after arbitrary step, and the embodiment of the present invention is not construed as limiting.
S209, according to the described current interest value after adjustment and described credit information, the minimum amount to pay of each issue of reruning.
In specific implementation, when above-mentioned current interest value changes, client needs the interest paid to credit agency to change during providing a loan, and simultaneously the minimum amount to pay of client each issue also can change accordingly.Now, lending server according to the above-mentioned current interest value after adjustment and described credit information, can recalculate the minimum amount to pay of client each issue.
In the embodiment of the present invention, it is the first interest rate value that lending server arranges current interest value, and obtains the credit information of user's input; According to this current interest value and this credit information, lending server calculates the minimum amount to pay of each issue; Lending server receives the operational order of user's input, and this operational order comprises agreement amount and arranges instruction and refund amount adjustment instruction; Arrange instruction according to this agreement amount, lending server arranges agreement amount to pay; According to this refund amount adjustment instruction, the amount to pay that lending server adjustment is each issue is this agreement amount to pay; When lending server receives the refund amount reset indication of user's input, according to this refund amount reset indication, the amount to pay resetting each issue is this minimum amount to pay; When interest rate value changes in this prior, this current interest value is adjusted to the second interest rate value by this first interest rate value by lending server; According to this current interest value after adjustment and this credit information, lending server recalculates the minimum amount to pay of each issue.Compared with prior art, the embodiment of the present invention no longer requires that client can only refund according to the fixing amount that system budget is good for each issue, simultaneously, the amount to pay of each issue can be re-set as minimum amount to pay good in advance when client causes later stage refund pressure larger because refund in early stage amount is higher, thus the embodiment of the present invention can realize the refund amount needing to adjust neatly each issue according to client, improve the convenience that reimbursement business is handled.
Referring to Fig. 3, is the 3rd embodiment schematic flow sheet of a kind of data processing method that the embodiment of the present invention provides.As shown in Figure 3, this data processing method can comprise the following steps:
The operational order of S301, reception user input, described operational order comprises agreement amount and arranges instruction and refund amount adjustment instruction.
In specific implementation, above-mentioned agreement amount refers to that the agreement refund amount of money of each issue that client and credit agency decide through consultation, above-mentioned refund amount refer to the amount of money of should refunding of client each issue.
S302, instruction is set according to described agreement amount, agreement amount to pay is set.
In specific implementation, above-mentioned agreement amount arranges the concrete numerical value that instruction comprises agreement amount to pay, lending server is after the agreement amount receiving user's input arranges instruction, in the loan ledger table of database, search agreement amount to pay field, after finding agreement amount to pay field, the value of its correspondence is set to the concrete numerical value that above-mentioned agreement amount arranges the agreement amount to pay comprised in instruction.Above-mentioned agreement amount to pay includes but are not limited to should go back capital, should go back interest and the capital that exceeds the quata.
S303, according to described refund amount adjustment instruction, the amount to pay adjusting each issue is described agreement amount to pay.
In specific implementation, the amount to pay of above-mentioned each issue is defaulted as lending server minimum amount to pay good in advance, when lending server receives the refund amount adjustment instruction of user's input, the amount to pay of above-mentioned each issue is adjusted to the agreement amount to pay arranged in step S302.
S304, according to described agreement amount to pay, from user account, deduct corresponding fund.
In specific implementation, lending server is according to the agreement amount to pay arranged in step S302, and the mode adopting deficiency to withhold deducts the corresponding amount of money from the refund account of client.The amount of money of deduction is divided into several fixing part, comprises: gone back capital, also interest, the capital that exceeds the quata, exceed the time limit capital, default interest etc., after having withholdd, above-mentioned several part has been kept accounts in table stored in the refund in database.Deficiency is withholdd and is referred to that the basis amount of money good is in advance withholdd to account of withholing accordingly, if the amount of money of withholing in account is less than deducted amount and is not 0, then all amount of money in the deduct account, this is withholdd successfully.Above-mentioned refund account can be bank account, Third-party payment platform account etc., and the embodiment of the present invention is not construed as limiting.
S305, judge whether the detained amount of money is less than described minimum amount to pay.
In specific implementation, in lending server determining step S304 detain the amount of money and whether be less than above-mentioned minimum amount to pay, if so, then perform step S306, if not, then the current period withholds end.
S306, continue to be spaced apart the cycle with the very first time and withhold from described user account, until detain amount of money sum and be not less than described minimum amount to pay.
In specific implementation, when step S305 judges that the detained amount of money is less than above-mentioned minimum amount to pay, show that user does not pay off the nil-norm that the current period should refund, now lending server can continue to be spaced apart the cycle with the very first time and withholds from above-mentioned user account, until detain amount of money sum and be not less than above-mentioned agreement amount to pay and be not more than above-mentioned agreement amount to pay.If at the end of the current period detain amount of money sum and be still less than above-mentioned minimum amount to pay, then above-mentioned minimum amount to pay is deducted the difference of detaining the amount of money and is designated as and exceeds the time limit, and start to calculate default interest, until the complete above-mentioned difference of middle button of withholing afterwards.Above-mentioned very first time interval can be one day, two days or one week, and concrete duration is determined according to the scheme of withholing by credit agency, and the embodiment of the present invention is not construed as limiting.
In the embodiment of the present invention, lending server receives the operational order of user's input, and this operational order comprises agreement amount and arranges instruction and refund amount adjustment instruction; Arrange instruction according to this agreement amount, lending server arranges agreement amount to pay; According to this refund amount adjustment instruction, the amount to pay that lending server adjustment is each issue is this agreement amount to pay; According to this agreement amount to pay, lending server deducts corresponding fund from user account; When judging that the detained amount of money is less than this minimum amount to pay, lending server continues to be spaced apart the cycle with the very first time and withholds from this user account, until detain amount of money sum and be not less than this minimum amount to pay.Compared with prior art, the embodiment of the present invention no longer requires that client can only refund according to the fixing amount that system budget is good for each issue, simultaneously, take deficiency to withhold and make deduction mode more efficient, flexible, thus the embodiment of the present invention can realize the refund amount needing to adjust neatly each issue according to client, improve the convenience that reimbursement business is handled.
Referring to Fig. 4, is the first example structure schematic diagram of a kind of data processing equipment that the embodiment of the present invention provides.As shown in Figure 4, this data processing equipment can comprise:
Receiving element 10, for receiving the operational order of user's input, described operational order comprises agreement amount and arranges instruction and refund amount adjustment instruction.
Setting unit 20, for arranging instruction according to described agreement amount, arranges agreement amount to pay.
Adjustment unit 30, for adjusting instruction according to described refund amount, the amount to pay adjusting each issue is described agreement amount to pay.
Above-mentioned agreement amount to pay comprises but is not limited only to go back capital, should goes back interest and the capital that exceeds the quata.
In the embodiment of the present invention, receiving element 10 receives the operational order of user's input, and this operational order comprises agreement amount and arranges instruction and refund amount adjustment instruction; Arrange instruction according to the agreement amount that receiving element 10 receives, setting unit 20 arranges agreement amount to pay; The refund amount adjustment instruction received according to receiving element 10, the amount to pay that adjustment unit 30 adjusts each issue is this agreement amount to pay.Compared with prior art, the embodiment of the present invention no longer requires that client can only refund according to the fixing amount that system budget is good for each issue, thus the embodiment of the present invention can realize the refund amount needing to adjust neatly each issue according to client, improve the convenience that reimbursement business is handled.
Referring to Fig. 5, is the second example structure schematic diagram of a kind of data processing equipment that the embodiment of the present invention provides.Wherein, the data processing equipment shown in Fig. 5 is that data processing equipment is as shown in Figure 4 optimized and obtains.This data processing equipment can also comprise:
Acquiring unit 40, for receive at described receiving element 10 user input operational order before, obtain user input credit information, described credit information comprises the amount of the loan and the length of maturity.
Computing unit 50, for according to described current interest value and described credit information, calculates the minimum amount to pay of each issue.
Reset cell 60, for receive when described receiving element 10 user input refund amount reset indication time, according to described refund amount reset indication, the amount to pay resetting described each issue is described minimum amount to pay.
In the embodiment of the present invention, arranging current interest value by setting unit 20 is the first interest rate value; After acquiring unit 40 obtains the credit information of user's input, according to this current interest value and this credit information, computing unit 50 calculates the minimum amount to pay of each issue; Receiving element 10 receives the operational order of user's input, and this operational order comprises agreement amount and arranges instruction and refund amount adjustment instruction; Arrange instruction according to the agreement amount that receiving element 10 receives, setting unit 20 arranges agreement amount to pay; The refund amount adjustment instruction received according to receiving element 10, the amount to pay that adjustment unit 30 adjusts each issue is this agreement amount to pay; When receiving element 10 receives the refund amount reset indication of user's input, according to this refund amount reset indication, the amount to pay that reset cell 60 resets each issue is this minimum amount to pay; When interest rate value changes in this prior, this current interest value is adjusted to the second interest rate value by this first interest rate value by adjustment unit 30; According to this current interest value after adjustment and this credit information, computing unit 50 recalculates the minimum amount to pay of each issue.Compared with prior art, the embodiment of the present invention no longer requires that client can only refund according to the fixing amount that system budget is good for each issue, simultaneously, the amount to pay of each issue can be re-set as minimum amount to pay good in advance when client causes later stage refund pressure larger because refund in early stage amount is higher, thus the embodiment of the present invention can realize the refund amount needing to adjust neatly each issue according to client, improve the convenience that reimbursement business is handled.
Referring to Fig. 6, is the 3rd example structure schematic diagram of a kind of data processing equipment that the embodiment of the present invention provides.Wherein, the data processing equipment shown in Fig. 6 is that data processing equipment is as shown in Figure 4 optimized and obtains.This data processing equipment can also comprise:
Judging unit 80, for judging whether the detained amount of money is less than described minimum amount to pay.
To withhold unit 70, for adjusting instruction at described adjustment unit 30 according to described refund amount, after the amount to pay adjusting each issue is described agreement amount to pay, according to described agreement amount to pay, corresponding fund is deducted from user account, when the judged result of described judging unit 80 is for being, continues to be spaced apart the cycle with the very first time and withholing from this user account, until detain amount of money sum and be not less than described minimum amount to pay.
In the embodiment of the present invention, receiving element 10 receives the operational order of user's input, and this operational order comprises agreement amount and arranges instruction and refund amount adjustment instruction; Arrange instruction according to the agreement amount that receiving element 10 receives, setting unit 20 arranges agreement amount to pay; The refund amount adjustment instruction received according to receiving element 10, the amount to pay that adjustment unit 30 adjusts each issue is this agreement amount to pay; According to this agreement amount to pay, unit 70 of withholing deducts corresponding fund from user account; When judging unit 80 judges that the detained amount of money is less than this minimum amount to pay, unit 70 of withholing continues to be spaced apart the cycle with the very first time and withholds from this user account, until detain amount of money sum and be not less than this minimum amount to pay.Compared with prior art, the embodiment of the present invention no longer requires that client can only refund according to the fixing amount that system budget is good for each issue, simultaneously, adopt deficiency to withhold and make deduction mode more efficient, flexible, thus the embodiment of the present invention can realize the refund amount needing to adjust neatly each issue according to client, improve the convenience that reimbursement business is handled.
One of ordinary skill in the art will appreciate that all or part of flow process realized in above-described embodiment method, that the hardware that can carry out instruction relevant by computer program has come, described program can be stored in a computer read/write memory medium, this program, when performing, can comprise the flow process of the embodiment as above-mentioned each side method.Wherein, described storage medium can be magnetic disc, CD, read-only store-memory body (Read-Only Memory, ROM) or random access memory (Random Access Memory is called for short RAM) etc.
A kind of data processing method provided the embodiment of the present invention above and equipment are described in detail, apply specific case herein to set forth principle of the present invention and embodiment, the explanation of above embodiment just understands method of the present invention and core concept thereof for helping; Meanwhile, for one of ordinary skill in the art, according to thought of the present invention, all will change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention.
Claims (14)
1. a data processing method, is characterized in that, comprising:
Receive the operational order of user's input, described operational order comprises agreement amount and arranges instruction and refund amount adjustment instruction;
Instruction is set according to described agreement amount, agreement amount to pay is set;
According to described refund amount adjustment instruction, the amount to pay adjusting each issue is described agreement amount to pay.
2. method according to claim 1, is characterized in that, before the operational order of described reception user input, also comprises:
Arranging current interest value is the first interest rate value;
Obtain the credit information of user's input, described credit information comprises the amount of the loan and the length of maturity;
According to described current interest value and described credit information, calculate the minimum amount to pay of each issue.
3. method according to claim 2, is characterized in that, also comprises:
When receiving the refund amount reset indication of user's input, according to described refund amount reset indication, the amount to pay resetting described each issue is described minimum amount to pay.
4. method according to claim 3, is characterized in that, also comprises:
When described current interest value changes, described current interest value is adjusted to the second interest rate value by described first interest rate value;
According to the described current interest value after adjustment and described credit information, the minimum amount to pay of each issue of reruning.
5. method according to claim 2, is characterized in that, described according to described refund amount adjustment instruction, and the amount to pay adjusting each issue also comprises after being described agreement amount to pay:
According to described agreement amount to pay, from user account, deduct corresponding fund.
6. method according to claim 5, is characterized in that, also comprises:
Judge whether the detained amount of money is less than described minimum amount to pay, if so, then continue to be spaced apart the cycle with the very first time and withhold from described user account, until detain amount of money sum and be not less than described minimum amount to pay.
7. the method according to any one of claim 2 ~ 4, is characterized in that,
Described agreement amount to pay must higher than described minimum amount to pay.
8. a data processing equipment, is characterized in that, comprising:
Receiving element, for receiving the operational order of user's input, described operational order comprises agreement amount and arranges instruction and refund amount adjustment instruction;
Setting unit, for arranging instruction according to described agreement amount, arranges agreement amount to pay;
Adjustment unit, for adjusting instruction according to described refund amount, the amount to pay adjusting each issue is described agreement amount to pay.
9. equipment according to claim 8, is characterized in that,
Described setting unit, also for before the operational order of described receiving element reception user input, arranging current interest value is the first interest rate value;
Described equipment also comprises:
Acquiring unit, for obtaining the credit information of user's input, described credit information comprises the amount of the loan and the length of maturity;
Computing unit, for according to described current interest value and described credit information, calculates the minimum amount to pay of each issue.
10. equipment according to claim 9, is characterized in that,
Described receiving element, also for receiving the refund amount reset indication of user's input;
Described equipment also comprises:
Reset cell, for receive when described receiving element user input refund amount reset indication time, according to described refund amount reset indication, the amount to pay resetting described each issue is described minimum amount to pay.
11. equipment according to claim 10, is characterized in that,
Described adjustment unit, also for when described current interest value changes, is adjusted to the second interest rate value by described current interest value by described first interest rate value;
Described computing unit, also for according to the described current interest value after adjustment and described credit information, the minimum amount to pay of each issue of reruning.
12. equipment according to claim 9, is characterized in that, also comprise:
To withhold unit, at described adjustment unit according to described refund amount adjustment instruction, the amount to pay adjusting each issue according to described agreement amount to pay, deducts corresponding fund after being described agreement amount to pay from user account.
13. equipment according to claim 12, is characterized in that,
Judging unit, for judging whether the detained amount of money is less than described minimum amount to pay;
Described unit of withholing, also for when the judged result of described judging unit is for being, continuing to be spaced apart the cycle with the very first time and withholing from described user account, until detain amount of money sum and be not less than described minimum amount to pay.
14., according to the equipment described in claim 9 ~ 11, is characterized in that,
Described agreement amount to pay must higher than described minimum amount to pay.
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| CN201410594379.3A CN104361518A (en) | 2014-10-29 | 2014-10-29 | Data processing method and device |
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| CN201410594379.3A CN104361518A (en) | 2014-10-29 | 2014-10-29 | Data processing method and device |
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| CN109102257A (en) * | 2018-09-04 | 2018-12-28 | 山东浪潮通软信息科技有限公司 | A kind of method and device that customized repayment schedule table generates |
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| WO2019157773A1 (en) * | 2018-02-13 | 2019-08-22 | 平安科技（深圳）有限公司 | Method and system for splitting credit repayments by halves in credit repayment service |
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| CN107798595A (en) * | 2016-09-05 | 2018-03-13 | 上海前隆信息科技有限公司 | A kind of method and device of amount adjustment |
| CN109492845A (en) * | 2017-09-12 | 2019-03-19 | 兴业消费金融股份公司 | Method and apparatus for dynamically adjusting repayment schedule |
| CN109492845B (en) * | 2017-09-12 | 2022-07-22 | 兴业消费金融股份公司 | Method and apparatus for dynamically adjusting a payment plan |
| WO2019157773A1 (en) * | 2018-02-13 | 2019-08-22 | 平安科技（深圳）有限公司 | Method and system for splitting credit repayments by halves in credit repayment service |
| CN109102257A (en) * | 2018-09-04 | 2018-12-28 | 山东浪潮通软信息科技有限公司 | A kind of method and device that customized repayment schedule table generates |
| CN109472580A (en) * | 2018-10-31 | 2019-03-15 | 中国银行股份有限公司 | A kind of repaying expense charging method and device |
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