CN108335197A - Automatic repayment method, bank server, storage medium and device of refunding automatically - Google Patents
Automatic repayment method, bank server, storage medium and device of refunding automatically Download PDFInfo
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- CN108335197A CN108335197A CN201810076641.3A CN201810076641A CN108335197A CN 108335197 A CN108335197 A CN 108335197A CN 201810076641 A CN201810076641 A CN 201810076641A CN 108335197 A CN108335197 A CN 108335197A
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- Prior art keywords
- debt
- card number
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- account
- mark
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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
- G06Q20/08—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
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
Abstract
The invention discloses automatic repayment method, bank server, storage medium and devices of refunding automatically.In the present invention when receiving the log-on message of VTM transmissions, corresponding user identifier is determined according to log-on message, corresponding each target card number mark is found in card number mapping relations according to user identifier, and send target card number mark to VTM, so that VTM obtains card number input by user and chooses instruction, it is chosen during instruction is identified from target card number according to card number and chooses and feed back refund card number mark, debt card number mark is extracted from log-on message, debt card number mark and refund card number mark are bound, refund operation is carried out to the corresponding account of debt card number mark to identify corresponding account by refund card number.The debt that can be identified to debt card number in the present invention is refunded automatically, carries out refund operation without user, user's operation is more convenient, to solve inconvenient technical problem of refunding when carrying out credit card repayment.
Description
Technical field
The present invention relates to finance device fields, more particularly to automatic repayment method, bank server, storage medium and automatic
Refund device.
Background technology
It is gradually popularized with the use of credit card, people are consumed using credit card more and more or carry out it
His currency is movable.But credit card will form bill after consuming certain amount of money, holder needs to carry out before the defined date
It refunds, if refunding after the defined date, certain interest will be added.
But for the holder of credit card, the mode of repayment that current each banking institution provides it is all relatively complicated or
Person is inconvenient, for example, sales counter is refunded, holder can carry out refund operation to bank counter by Receptionist；ATM
(Automated Teller Machine, ATM machine) refunds, and operation save to pay credit card account by using ATM machine
It is single；Network is refunded, can be by third parties' financial instrument such as Alipay, to realize the payment etc. for Credit Statement.It is apparent that
Above-mentioned a variety of modes of repayment are required for holder before repayment date or the same day carries out refund operation, relatively complicated and trouble, institute
With when carrying out credit card repayment, there are inconvenient technical problems for existing mode of repayment.
The above is only used to facilitate the understanding of the technical scheme, and is not represented and is recognized that the above is existing skill
Art.
Invention content
The main purpose of the present invention is to provide automatic repayment method, bank server, storage medium and automatic dresses of refunding
It sets, it is intended to solve inconvenient technical problem of refunding when carrying out credit card repayment.
To achieve the above object, the present invention provides a kind of automatic repayment method, and the automatic repayment method includes following step
Suddenly：
When receiving the log-on message that long-distance video automatic teller machine VTM is sent, determined according to the log-on message corresponding
User identifier；
Find in card number mapping relations corresponding each target card number mark according to the user identifier, and to described
VTM sends the target card number mark and is selected according to the card number so that the VTM obtains card number input by user and chooses instruction
Refund card number mark is chosen from target card number mark and is fed back in instruction fetch, and the card number mapping relations include user identifier
Correspondence between being identified with card number；
When receiving the refund card number mark, debt card number mark is extracted from the log-on message, is owed described
Money card number is identified to be bound with refund card number mark, is owed to described with identifying corresponding account by the refund card number
Money card number identifies corresponding account and carries out refund operation.
Preferably, described when receiving the refund card number mark, debt card number mark is extracted from the log-on message
Know, debt card number mark and refund card number mark are bound, it is corresponding to be identified by the refund card number
After account carries out refund operation to the corresponding account of debt card number mark, the automatic repayment method further includes：
Whether detection current date is default repayment date, when the current date is the default repayment date, obtain with
The debt card number identifies corresponding debt amount；
Obtain each currency type mark corresponding with the debt amount；
Judge in the currency type mark whether to include that foreign currency identifies, includes the foreign currency mark in currency type mark
When, the deposit amount in refund account is exchanged automatically, the foreign currency deposit after exchanging is transferred accounts to debt account, with to institute
The foreign currency debt for stating debt account is refunded automatically, and the refund account is corresponding with the refund card number mark, the debt
Account is corresponding with the debt card number mark.
Preferably, described to judge in the currency type mark whether to include that foreign currency identifies, include institute in currency type mark
When stating foreign currency mark, the deposit amount in refund account is exchanged automatically, the foreign currency deposit after exchanging is transferred accounts to debt
Account is refunded automatically with the foreign currency debt to the debt account, including：
Judge in the currency type mark whether to include foreign currency mark and home currency mark；
When currency type mark includes the foreign currency mark and home currency mark, obtains and preset refund order；
When the default refund order is that foreign currency debt is preferential, the deposit amount in refund account certainly move
It converges, the foreign currency deposit after exchanging is transferred accounts to debt account, is refunded automatically with the foreign currency debt to the debt account；
After to foreign currency debt refund automatically, the remaining deposit amount in the refund account is transferred accounts to described and is owed
Money account is refunded automatically with the home currency debt to the debt account.
Preferably, described when the default refund order is that foreign currency debt is preferential, by the deposit amount in refund account
Automatically it is exchanged, the foreign currency deposit after exchanging is transferred accounts to debt account, to be carried out to the foreign currency debt of the debt account
It is automatic to refund, including：
When the default refund order is that foreign currency debt is preferential, currency rate is obtained, and judge that the current exchange rate is
It is no to be within the scope of the default exchange rate, when the current exchange rate is within the scope of the default exchange rate, by depositing in refund account
Amount of money degree is exchanged automatically according to the currency rate, and the foreign currency deposit after exchanging is transferred accounts to debt account, with to described
The foreign currency debt of debt account is refunded automatically.
Preferably, described when the default refund order is that foreign currency debt is preferential, currency rate is obtained, and described in judgement
Whether the current exchange rate, when the current exchange rate is within the scope of the default exchange rate, will refund within the scope of the default exchange rate
Deposit amount in account is exchanged automatically, and the foreign currency deposit after exchanging is transferred accounts to debt account, with to the debt account
Before the foreign currency debt at family refund automatically, the automatic repayment method further includes：
The last historical rate refunded when exchanging is inquired in refunding record from history foreign currency, and is based on the historical rate
It generates and presets exchange rate range.
Preferably, described to judge after whether being identified including foreign currency mark and home currency in the currency type mark, it is described automatic
Repayment method further includes：
When currency type mark includes the foreign currency mark and home currency mark, the home currency for obtaining refund account is deposited
Amount of money degree, and obtain the home currency debt amount and foreign currency debt amount of debt account；
Currency rate is obtained, the local currency deposit amount is scaled by foreign currency deposit amount according to the currency rate, it will
The foreign currency deposit amount is compared with the foreign currency debt amount；
When the foreign currency deposit amount is less than the foreign currency debt amount, by the local currency deposit amount and the home currency
Debt amount is compared；
When the local currency deposit amount is more than or equal to the home currency debt amount, by the deposit in the refund account
Degree is transferred accounts to the debt account, is refunded automatically with the home currency debt to the debt account.
Preferably, described when receiving the refund card number mark, debt card number mark is extracted from the log-on message
Know, debt card number mark and refund card number mark are bound, it is corresponding to be identified by the refund card number
After account carries out refund operation to the corresponding account of debt card number mark, the automatic repayment method further includes：
Whether detection current date is default repayment date, when the current date is the default repayment date, is read pre-
If mode of repayment, corresponding repayment amount is determined according to the default mode of repayment, by the repayment amount in refund account
Transfer accounts to debt account, to be refunded according to the repayment amount by the debt account, the refund account with it is described
Refund card number mark corresponds to, and the debt account is corresponding with the debt card number mark.
In addition, to achieve the above object, the present invention also provides a kind of bank server, the bank server includes：It deposits
Reservoir, processor and be stored on the memory and can run on the processor automatic refund program, it is described it is automatic also
Money program is arranged for carrying out the step of automatic repayment method as described above.
In addition, to achieve the above object, the present invention also provides a kind of storage medium, being stored on the storage medium automatic
Refund program, the step of automatic repayment method as described above is realized when the automatic refund program is executed by processor.
In addition, to achieve the above object, the present invention also provides a kind of automatic refund device, the automatic refund device packet
It includes：User log-in block, mark enquiry module and refund binding module；
The user log-in block, for when receiving the log-on message that long-distance video automatic teller machine VTM is sent, according to institute
It states log-on message and determines corresponding user identifier；
The mark enquiry module, for finding corresponding each mesh in card number mapping relations according to the user identifier
Card number mark is marked, and the target card number mark is sent to the VTM, so that the VTM obtains card number input by user and chooses
Instruction is chosen during instruction is identified from the target card number according to the card number and chooses and feed back refund card number mark, the card number
Mapping relations include the correspondence between user identifier and card number mark；
The refund binding module, for when receiving the refund card number mark, being extracted from the log-on message
Debt card number identifies, and debt card number mark and refund card number mark is bound, to pass through the refund card number
It identifies corresponding account and refund operation is carried out to the corresponding account of debt card number mark.
Debt card number can be identified by VTM and be bound with refund card number mark by user in the present invention, to realize
It is refunded automatically to the debt that debt card number identifies in repayment date, is not necessarily to advance of the user in the repayment date same day or repayment date
Row, which is refunded, to be operated and directly carries out handling for the function by VTM, and user's operation is more convenient, and letter is being carried out to solve
It refunds when being refunded with card inconvenient technical problem.
Description of the drawings
Fig. 1 is the bank server structural schematic diagram for the hardware running environment that the embodiment of the present invention is related to；
Fig. 2 is the flow diagram of the automatic repayment method first embodiment of the present invention；
Fig. 3 is the flow diagram of the automatic repayment method second embodiment of the present invention；
Fig. 4 is the flow diagram of the automatic repayment method 3rd embodiment of the present invention；
Fig. 5 is the flow diagram of the automatic repayment method fourth embodiment of the present invention；
Fig. 6 is the structure diagram of the automatic refund device first embodiment of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
Referring to Fig.1, Fig. 1 is the bank server structural representation for the hardware running environment that the embodiment of the present invention is related to
Figure.
As shown in Figure 1, the bank server may include：Processor 1001, such as CPU, communication bus 1002, Yong Hujie
Mouth 1003, network interface 1004, memory 1005.Wherein, communication bus 1002 is logical for realizing the connection between these components
Letter.User interface 1003 may include display screen (Display), and optional user interface 1003 can also connect including the wired of standard
Mouth, wireless interface, the wireline interface for user interface 1003 can be USB interface in the present invention.Network interface 1004 is optional
May include standard wireline interface and wireless interface (such as WI-FI interfaces).Memory 1005 can be high-speed RAM memory,
Can also be stable memory (non-volatile memory), such as magnetic disk storage.Memory 1005 optionally may be used also
To be independently of the storage device of aforementioned processor 1001.
It, can be with it will be understood by those skilled in the art that structure shown in Fig. 1 does not constitute the restriction to bank server
Including than illustrating more or fewer components, either combining certain components or different components arrangement.
As shown in Figure 1, as may include that operating system, network are logical in a kind of memory 1005 of computer storage media
Believe module, Subscriber Interface Module SIM and program of refunding automatically.
In bank server shown in Fig. 1, network interface 1004 is mainly used for connecting background server, with the backstage
Server is into row data communication；User interface 1003 is mainly used for connecting peripheral hardware；The bank server passes through processor 1001
The automatic refund program stored in memory 1005 is called, and executes automatic repayment method provided in an embodiment of the present invention.
Based on above-mentioned hardware configuration, the embodiment of the automatic repayment method of the present invention is proposed.
With reference to the flow diagram that Fig. 2, Fig. 2 are the automatic repayment method first embodiment of the present invention.
In the first embodiment, the automatic repayment method includes the following steps：
Step S10：It is true according to the log-on message when receiving the log-on message that long-distance video automatic teller machine VTM is sent
Fixed corresponding user identifier；
It is understood that the executive agent of the present embodiment is bank server.In order to realize the automatic of Credit Statement
It refunds so that holder need not be before repayment date or the repayment date same day carries out refund operation, can be by the credit card of debt
It is bound with the bank card account for having certain amount of money, it, will be automatically from the silver for having certain amount of money when the date is repayment date
The certain amount of money of row card account transfer refunds automatically to Credit Statement with realizing to the credit card of debt.In order to reach
To the above-mentioned effect refunded automatically, user can carry out the setting of " automatic to refund " in advance, for example, long-distance video cabinet can be used in user
Member's machine (Video Teller Machine, VTM) carries out the setting of " automatic to refund ", completes the setting for " automatic to refund "
Afterwards, often to repayment date, will refund operation be carried out automatically.
Step S20：Corresponding each target card number mark is found in card number mapping relations according to the user identifier, and
The target card number mark is sent to the VTM, so that the VTM obtains card number input by user and chooses instruction, according to described
Card number chooses instruction and refund card number mark is chosen and fed back from target card number mark, and the card number mapping relations include using
Family identifies the correspondence between card number mark；
It should be understood that the setting up procedure of " automatic to refund " function is specifically, user can first log on VTM machines
Operation, for example, credit card A can be inserted into the card slot of VTM machines by user, VTM machines will be read out credit card A, to obtain letter
1356 are identified with the card number of card A, meanwhile, user will input credit clip pin on VTM machines, so, the login for being sent to VTM is believed
Breath refers to card number mark 1356 and credit clip pin.Bank server is after the log-on message for receiving VTM transmissions, it may be verified that should
Whether log-on message can be identified with the card number stored in customer data base and the equal successful match of credit clip pin, in successful match
When, then corresponding user identifier can be found, which can be the ID card No. 111111 of user.
In the concrete realization, after getting user identifier 111111, it is contemplated that same person may be in a bank
There are multiple debit cards and credit card simultaneously, so, card number mapping relations will be previously stored in bank server, which reflects
Relationship is penetrated for uniformly recording all bank cards under each user name.So can be reflected based on card number by user identifier 111111
The relationship of penetrating searches the card number mark of all bank cards under the user name.For the ease of statistics, card number mark can directly be bank
The card number of card.
It is understood that existing simultaneously multiple card number marks under one's name due to same user, user can block according to every
The amount of funds deposited voluntarily choose one card be credit card refunded automatically.So will show each target card number mark on VTM machines
Know, for example, 3333,4444 and 5555 etc., if the refund card number that user chooses is identified as 3333, refund card number can be identified
3333 are bound with the card number mark that debt card number mark 1356 is credit card A.
Step S30：When receiving the refund card number mark, debt card number mark is extracted from the log-on message,
Debt card number mark and refund card number mark are bound, to identify corresponding account by the refund card number
Corresponding account is identified to the debt card number and carries out refund operation.
It should be understood that by bank server side by refund card number mark 3333 with debt card number mark 1356 into
Having gone binding, will be automatic if there are debit notes in the credit card 1356 of debt card number mark when the date is repayment date
Transfer accounts out of refund card number mark 3333 account debit note the amount of money to credit card 1356, to realize for credit card
The automatic refund of bill is not necessarily to individual subscriber before repayment date or the same day carries out any refund operation, more convenient.
Debt card number can be identified by VTM and be bound with refund card number mark by user in the present embodiment, to realize
It is refunded automatically to the debt that debt card number identifies in repayment date, without user before the repayment date same day or repayment date
It carries out refund operation and handling for the function is directly carried out by VTM, user's operation is more convenient, is being carried out to solve
It refunds when credit card repayment inconvenient technical problem.
With reference to the flow diagram that Fig. 3, Fig. 3 are the automatic repayment method second embodiment of the present invention, based on shown in above-mentioned Fig. 2
First embodiment, propose the second embodiment of the automatic repayment method of the present invention.
In a second embodiment, after the step S30, the automatic repayment method further includes：
Step S40：Whether detection current date is default repayment date, is the default repayment date in the current date
When, obtain debt amount corresponding with the debt card number mark；
It is understood that in view of Credit Statement may be simultaneously present home currency bill and foreign currency bill, by the people
Coin bill regards as home currency bill, wherein currency account digital ratio such as dollar bill can be automatic in order to when being refunded automatically
Unified refund is carried out to home currency bill and foreign currency bill, foreign currency debt can be first judged whether, and buy foreign exchange automatically, with reality
Referring now to the refund of foreign currency debt.
Step S50：Obtain each currency type mark corresponding with the debt amount；
It should be understood that debt amount can be obtained first, and identified according to the currency type in debt amount to judge credit card
It whether there is home currency bill and foreign currency bill in bill.So may be simultaneously present multiple coin in the debt amount of credit card
Kind mark.Wherein, currency type mark is for distinguishing different currency types, for example, currency type mark can be home currency mark or foreign currency mark.
Step S60：Judge in the currency type mark whether to include that foreign currency identifies, includes described outer in currency type mark
When coin identifies, the deposit amount in refund account is exchanged automatically, the foreign currency deposit after exchanging is transferred accounts to debt account,
It is refunded automatically with the foreign currency debt to the debt account, the refund account is corresponding with the refund card number mark, institute
It is corresponding with the debt card number mark to state debt account.
In the concrete realization, it is 15 days of that month in current date for example, default repayment date can be set to monthly 15 days
When, will make a credit inquiry the card 1356 i.e. debt situation of debt card number mark.If in credit card 1356, there are 100,000 RMB and 10,000
The bills due of dollar will the preferential refund for carrying out foreign currency debt since there are dollar debts in the debt amount of credit card 1356.Institute
If 10,000 dollars commercially available according to 70,000 RMB of currency rate, first 70,000 people can be taken out of refund card number mark 3333 account
People's coin is bought foreign exchange to obtain 10,000 dollars of deposit, by 10,000 dollars of deposit transfer in refund account to credit card 1356 with
Realize the preferential payments for foreign currency debt in credit card.
In view of there may be foreign currency debts in Credit Statement in the present embodiment, in order to realize going back for foreign currency debt
Money can be bought foreign exchange automatically to realize the refund for foreign currency debt, and that is manually exchanged and refunded without user is cumbersome
Operating process.
With reference to the flow diagram that Fig. 4, Fig. 4 are the automatic repayment method 3rd embodiment of the present invention, based on shown in above-mentioned Fig. 3
Second embodiment, propose the 3rd embodiment of the automatic repayment method of the present invention.
In the third embodiment, the step S60, including:
Step S601:Judge in the currency type mark whether to include foreign currency mark and home currency mark；
It is understood that Credit Statement both may have RMB debt simultaneously, there is also dollar debts, in order to same
When two kinds of currency types of reply while refund, default refund order can be set, and the default refund order is for determining different currency types
Refund sequence because, it is contemplated that refund card number mark 3333 account in deposit quantity not necessarily have the ability and meanwhile prop up
It refunds while paying two kinds of currency types.
Step S602:When currency type mark includes the foreign currency mark and home currency mark, acquisition is default also
Money order；
It should be understood that when the debt for determining credit card exists simultaneously the debt of two kinds of currency types, default go back can be read
Money order, the default refund order can voluntarily determine by user, and user can set default refund order to that " foreign currency debt is excellent
First ", i.e., it " first repays foreign currency debt and repays home currency debt again ", may be alternatively provided as " home currency debt is preferential ", i.e., " first repay home currency to owe
Money repays foreign currency debt again ".
Step S603:The default refund order be foreign currency debt it is preferential when, by the deposit amount in refund account into
Row is exchanged automatically, and the foreign currency deposit after exchanging is transferred accounts to debt account, to be carried out certainly to the foreign currency debt of the debt account
It is dynamic to refund；
If it is understood that being set as " foreign currency debt is preferential ", there are 100,000 RMB and 10,000 are beautiful in credit card 1356
Member bills due, refund card number mark 3333 account in there are the deposits of 80,000 RMB.If currency rate is that 70,000 RMB can
10,000 dollars are bought, then will first take 70,000 RMB in refund account to buy foreign exchange to obtain 10,000 dollars of deposit, and will refund
10,000 dollars of deposit transfer in account is to credit card 1356 to realize the preferential payments for foreign currency debt in credit card.
Step S604:After to foreign currency debt refund automatically, the remaining deposit amount in the refund account is turned
Account is refunded to the debt account with the home currency debt to the debt account automatically.
It should be understood that refund account complete for the repayment of the foreign currency debt of debt account after, in refund account
By the deposit of remaining 10,000 RMB, due to the remaining debt for depositing not enough 100,000 RMB of payment, then be finally only completed for
The refund of foreign currency debt can inquire corresponding user according to user identifier and join due to cannot successfully refund to home currency debt
It is mode, for example, phone number or email address, to send prompt message to user according to user contact details, with prompt
The current refund progress of user.
Certainly, it if remaining deposit pays home currency debt enough in refund account, can automatically be refunded to home currency debt.
Refund order is preset by setting in the present embodiment, the refund that user can freely choose different currency type debts is preferential
Grade so that user can be refunded automatically more flexiblely.Also, in view of the debt amount of different currency types may be different,
By the way that priority is arranged, it can flexibly be refunded for debt amount, be conducive to the financial situation of user management individual.
With reference to the flow diagram that Fig. 5, Fig. 5 are the automatic repayment method fourth embodiment of the present invention, based on shown in above-mentioned Fig. 4
3rd embodiment, propose the fourth embodiment of the automatic repayment method of the present invention.
In the fourth embodiment, the step S603, including：
Step S603'：When the default refund order is that foreign currency debt is preferential, currency rate is obtained, and described in judgement
Whether the current exchange rate, when the current exchange rate is within the scope of the default exchange rate, will refund within the scope of the default exchange rate
Deposit amount in account is exchanged automatically according to the currency rate, and the foreign currency deposit after exchanging is transferred accounts to debt account
Family is refunded automatically with the foreign currency debt to the debt account.
It is understood that when credit card memory is in foreign currency debt, it is contemplated that when carrying out foreign currency refund, take more
RMB is first converted into dollar according to currency rate, then carries out refund operation.But there are certain mobility, institutes for the exchange rate
The acceptable exchange rate range of a user can be arranged, can just be carried out when currency rate is fallen within the scope of the default exchange rate outer
The refund of coin operates, and otherwise, refunds and operates without foreign currency, to prompt user manually to be refunded, to reduce automatic go back
The risk that exchange rate when money is excessively high too low and brings.
In the concrete realization, if for example, currency rate is 0.15, the default exchange rate is ranging from from 0.11 to 0.17, due to working as
Day exchange rate falls into default exchange rate range, then can carry out the automatic refund of foreign currency debt.
Further, before the step S603', the automatic repayment method can also include：It refunds from history foreign currency
The last historical rate refunded when exchanging is inquired in record, and is generated based on the historical rate and preset exchange rate range.
In the concrete realization, for the determination of default exchange rate range, it can be manually configured in the sides VTM by user, also may be used
It is determined by historical rate.For example, if currency rate of the user when carrying out foreign currency refund last month is 0.16, due to last month
It is refunded, it may be assumed that user more approves historical rate 0.16, then can be generated based on 0.16 exchange rate default
Exchange rate range.Wherein, the default exchange rate range can be the exchange rate range for including historical rate, for example, default exchange rate range can
For the exchange rate range of determination by median of historical rate, for example, with 0.16 for median, preset exchange rate range can be from
0.14 to 0.18 range.
Further, after the step S601, the automatic repayment method can also include：
When currency type mark includes the foreign currency mark and home currency mark, the home currency for obtaining refund account is deposited
Amount of money degree, and obtain the home currency debt amount and foreign currency debt amount of debt account；
It is understood that when credit card debt exists simultaneously foreign currency debt with home currency debt, it not only can be according to default
Refund order carries out the refund successively of foreign currency and home currency, also can first judge that deposit enough changes which class debt then first goes back such debt.
In the concrete realization, for example, the local currency deposit amount of refund account is 70,000 RMB, and the home currency of debt account
Debt amount is 40,000 RMB and foreign currency debt amount is 20,000 dollars,
Currency rate is obtained, the local currency deposit amount is scaled by foreign currency deposit amount according to the currency rate, it will
The foreign currency deposit amount is compared with the foreign currency debt amount；
If it is understood that commercially available 10,000 dollars according to 70,000 RMB of currency rate, and local currency deposit amount
Only 70,000 RMB, then the foreign currency deposit amount after converting are 10,000 dollars, and still, foreign currency debt amount is 20,000 dollars, institute
With, can not cash payment on account account completely foreign currency debt.
When the foreign currency deposit amount is less than the foreign currency debt amount, by the local currency deposit amount and the home currency
Debt amount is compared；
It should be understood that consider the debt that can pay off of senior refunding, can by 70,000 RMB of local currency deposit amount with
40,000 RMB of home currency debt amount is compared.
When the local currency deposit amount is more than or equal to the home currency debt amount, by the deposit in the refund account
Degree is transferred accounts to the debt account, is refunded automatically with the home currency debt to the debt account.
In the concrete realization, since 70,000 RMB of local currency deposit amount is more than 40,000 RMB of home currency debt amount,
Home currency debt can be then paid off, so, 40,000 RMB in refund account can be transferred accounts to debt account to pay off home currency debt.
Due to only having paid off home currency debt, there is also foreign currency debts, contact method corresponding with user identifier can be inquired, according to the contact
Mode prompts user's foreign currency debt not refund.
Further, after the step S30, the automatic repayment method can also include：Whether detect current date
It to preset repayment date, when the current date is the default repayment date, reads and presets mode of repayment, preset also according to described
Money mode determines corresponding repayment amount, and the repayment amount in refund account is transferred accounts to debt account, described to pass through
Debt account is refunded according to the repayment amount, and the refund account is corresponding with the refund card number mark, the debt
Account is corresponding with the debt card number mark.
It is understood that currently when being refunded, the available refund amount of bank is generally two kinds, in full to refund
And minimum amount is refunded, it is typically 10% fully to refund which, which refunds,.It refunds for the ease of user, it can
A variety of repayment amounts are provided so that user chooses, for example, in full 80% for refunding, fully refunding, fully refund 50%, it is in full
30% and minimum amount refund refunded etc..User setting is automatic refund when, a kind of mode of repayment can be chosen as default
Mode of repayment, to when actually carrying out automatic refund operation, calculate the preset percentage of amount owed so that it is determined that refunding
The amount of money, to realize the repayment amount of refunding.So the present embodiment can provide a variety of repayment amounts so that user can be more flexible
Automatically it is refunded on ground.
Further, the step S20 may include：When receiving bank's selection instruction that the VTM is sent, root
Instruction is chosen according to the bank and determines corresponding inter-bank server, and the user identifier is sent to the inter-bank server, so that
The inter-bank server inquires corresponding each target card number in the inter-bank user information being locally stored according to the user identifier
Mark, and feed back the target card number mark；When receiving the target card number mark, the target is sent to the VTM
Card number identifies, so that the VTM obtains card number input by user and chooses instruction, instruction is chosen from the target according to the card number
It is chosen in card number mark and feeds back refund card number mark.
It is understood that usually taking borrowing for one's own profession when binding debt card number mark with refund card number mark more
In a manner of note card is bound the refund to carry out credit card with credit card.But the present embodiment provides one's own profession debt card simultaneously
Number mode bound with the refund card numbers of other banks, is repaid with the debt to one's own profession.
In the concrete realization, user can log in the debt card number 1234 of bank A on VTM machines, and still, user is intended to owe this
The card number 6789 of money card number 1234 and bank B is bound, to realize when debt occurs in debt card number 1234 by card number 6789
Actively carry out refund operation.Certainly, in order to ensure the safety used, the debt card number 1234 of bank A and the refund card of bank B
Numbers 6789 can all be the card of same people, and the user identifier both shown is identical, and user identifier can be the identification card number of user.
It should be understood that after bank server determines the user identifier of user, which can be sent to across
Row server with inquire user other banks card number.Wherein, the inter-bank user information is for recording user in other silver
The card number mark for the bank card that row is handled.Each card number mark that user handles in other banks is shown on VTM, user can be wherein
A card number mark is chosen as the card number for binding the debt card number 1234 with bank A, to realize the card number chosen from user
It carries out transferring accounts automatically in the account of mark, to realize the refund for debt card number 1234, going back to realize the automatic of inter-bank
Money.
Exchange rate range is preset by setting in the present embodiment, the default exchange rate range whether can be fallen into according to currency rate
Come judge carry out foreign currency debt refund operation, to reduce refund risk.
In addition, the embodiment of the present invention also proposes a kind of storage medium, automatic refund program is stored on the storage medium,
The step of automatic repayment method as described above is realized when the automatic refund program is executed by processor.
In addition, with reference to Fig. 6, the embodiment of the present invention also proposes that a kind of automatic refund device, the automatic refund device include：
User log-in block 10, mark enquiry module 20 and refund binding module 30；
The user log-in block 10, for when receiving the log-on message that long-distance video automatic teller machine VTM is sent, according to
The log-on message determines corresponding user identifier；
The mark enquiry module 20, it is corresponding each for being found in card number mapping relations according to the user identifier
Target card number identifies, and sends the target card number mark to the VTM, so that the VTM obtains card number choosing input by user
Instruction fetch is chosen during instruction is identified from the target card number according to the card number and chooses and feed back refund card number mark, the card
Number mapping relations include the correspondence between user identifier and card number mark；
The refund binding module 30, for when receiving the refund card number mark, being carried from the log-on message
It takes debt card number to identify, debt card number mark and refund card number mark is bound, to be blocked by the refund
Number corresponding account of mark identifies corresponding account to the debt card number and carries out refund operation.
Debt card number can be identified by VTM and be bound with refund card number mark by user in the present embodiment, to realize
It is refunded automatically to the debt that debt card number identifies in repayment date, without user before the repayment date same day or repayment date
It carries out refund operation and handling for the function is directly carried out by VTM, user's operation is more convenient, is being carried out to solve
It refunds when credit card repayment inconvenient technical problem.
It should be noted that herein, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that process, method, article or system including a series of elements include not only those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including this
There is also other identical elements in the process of element, method, article or system.
The embodiments of the present invention are for illustration only, can not represent the quality of embodiment.Word first, second, with
And the use of third etc. does not indicate that any sequence, can be title by these word explanations.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical scheme of the present invention substantially in other words does the prior art
Going out the part of contribution can be expressed in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions are used so that a station terminal equipment (can be mobile phone, computer, silver
Row server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
It these are only the preferred embodiment of the present invention, be not intended to limit the scope of the invention, it is every to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of automatic repayment method, which is characterized in that the automatic repayment method includes the following steps：
When receiving the log-on message that long-distance video automatic teller machine VTM is sent, corresponding user is determined according to the log-on message
Mark；
Corresponding each target card number mark is found in card number mapping relations according to the user identifier, and is sent out to the VTM
It send the target card number to identify, so that the VTM obtains card number input by user and chooses instruction, is chosen and instructed according to the card number
Refund card number mark is chosen and fed back from target card number mark, and the card number mapping relations include user identifier and card number
Correspondence between mark；
When receiving the refund card number mark, debt card number mark is extracted from the log-on message, by the debt card
Number mark is bound with refund card number mark, with by the corresponding account of refund card number mark to the debt card
Number corresponding account of mark carries out refund operation.
2. automatic repayment method as described in claim 1, which is characterized in that described to receive the refund card number mark
When, debt card number mark is extracted from the log-on message, and debt card number mark and refund card number mark are carried out
Binding carries out refund operation to identify corresponding account by the refund card number to the corresponding account of debt card number mark
Later, the automatic repayment method further includes：
Whether detection current date is default repayment date, when the current date is the default repayment date, obtain with it is described
Debt card number identifies corresponding debt amount；
Obtain each currency type mark corresponding with the debt amount；
Judge in the currency type mark whether to include that foreign currency identifies, it, will when currency type mark includes the foreign currency mark
Deposit amount in refund account is exchanged automatically, and the foreign currency deposit after exchanging is transferred accounts to debt account, to be owed to described
The foreign currency debt of money account is refunded automatically, and the refund account is corresponding with the refund card number mark, the debt account
It is corresponding with the debt card number mark.
3. automatic repayment method as claimed in claim 2, which is characterized in that it is described judge during the currency type identifies whether include
Foreign currency identifies, and when currency type mark includes the foreign currency mark, the deposit amount in refund account certainly move
It converges, the foreign currency deposit after exchanging is transferred accounts to debt account, is refunded automatically with the foreign currency debt to the debt account, wrap
It includes：
Judge in the currency type mark whether to include foreign currency mark and home currency mark；
When currency type mark includes the foreign currency mark and home currency mark, obtains and preset refund order；
When the default refund order is that foreign currency debt is preferential, the deposit amount in refund account is exchanged automatically, it will
Foreign currency deposit after exchanging is transferred accounts to debt account, is refunded automatically with the foreign currency debt to the debt account；
After to foreign currency debt refund automatically, the remaining deposit amount in the refund account is transferred accounts to the debt account
Family is refunded automatically with the home currency debt to the debt account.
4. automatic repayment method as claimed in claim 3, which is characterized in that described to be owed for foreign currency in the default refund order
When money is preferential, the deposit amount in refund account is exchanged automatically, the foreign currency deposit after exchanging is transferred accounts to debt account,
It is refunded automatically with the foreign currency debt to the debt account, including：
When the default refund order is that foreign currency debt is preferential, currency rate is obtained, and judge whether the current exchange rate is located
In presetting within the scope of the exchange rate, when the current exchange rate is within the scope of the default exchange rate, by the deposit in refund account
Degree is exchanged automatically according to the currency rate, the foreign currency deposit after exchanging is transferred accounts to debt account, with to the debt
The foreign currency debt of account is refunded automatically.
5. automatic repayment method as claimed in claim 4, which is characterized in that described to be owed for foreign currency in the default refund order
When money is preferential, currency rate is obtained, and judges the current exchange rate whether within the scope of the default exchange rate, in the current exchange rate
When within the scope of the default exchange rate, the deposit amount in refund account is exchanged automatically, the foreign currency after exchanging is deposited
Money is transferred accounts to debt account, before to the progress of the foreign currency debt of the debt account automatically refund, the automatic repayment method
Further include：
The last historical rate refunded when exchanging is inquired in refunding record from history foreign currency, and is generated based on the historical rate
Default exchange rate range.
6. automatic repayment method as claimed in claim 3, which is characterized in that it is described judge during the currency type identifies whether include
Foreign currency is identified with after home currency mark, and the automatic repayment method further includes：
When currency type mark includes the foreign currency mark and home currency mark, the local currency deposit volume of refund account is obtained
Degree, and obtain the home currency debt amount and foreign currency debt amount of debt account；
Currency rate is obtained, the local currency deposit amount is scaled by foreign currency deposit amount according to the currency rate, it will be described
Foreign currency deposit amount is compared with the foreign currency debt amount；
When the foreign currency deposit amount is less than the foreign currency debt amount, by the local currency deposit amount and the home currency debt
Amount is compared；
When the local currency deposit amount is more than or equal to the home currency debt amount, the deposit amount in the refund account is turned
Account is refunded to the debt account with the home currency debt to the debt account automatically.
7. such as automatic repayment method according to any one of claims 1 to 6, which is characterized in that described to receive described go back
When money card number identifies, debt card number mark is extracted from the log-on message, and debt card number mark is blocked with the refund
Number mark is bound, with by the refund card number identify corresponding account to the debt card number identify corresponding account into
Row is refunded after operation, and the automatic repayment method further includes：
Whether detection current date is that default repayment date reads and presets also when the current date is the default repayment date
Money mode determines corresponding repayment amount according to the default mode of repayment, the repayment amount in refund account is transferred accounts
To debt account, to be refunded according to the repayment amount by the debt account, the refund account and the refund
Card number mark corresponds to, and the debt account is corresponding with the debt card number mark.
8. a kind of bank server, which is characterized in that the bank server includes：It memory, processor and is stored in described
Automatic refund program can be run on memory and on the processor, when the automatic refund program is executed by the processor
The step of realizing the automatic repayment method as described in any one of claim 1 to 7.
9. a kind of storage medium, which is characterized in that be stored with automatic refund program, the automatic refund journey on the storage medium
The step of automatic repayment method as described in any one of claim 1 to 7 is realized when sequence is executed by processor.
10. a kind of automatic refund device, which is characterized in that the automatic refund device includes：User log-in block, mark inquiry
Module and refund binding module；
The user log-in block, for when receiving the log-on message that long-distance video automatic teller machine VTM is sent, being stepped on according to described
Record information determines corresponding user identifier；
The mark enquiry module, for finding corresponding each object card in card number mapping relations according to the user identifier
Number mark, and target card number mark is sent to the VTM, so that the VTM obtains card number input by user and chooses instruction,
Instruction being chosen according to the card number, refund card number mark being chosen and fed back from target card number mark, the card number mapping is closed
System includes the correspondence between user identifier and card number mark；
The refund binding module, for when receiving the refund card number mark, debt to be extracted from the log-on message
Card number identifies, and debt card number mark and refund card number mark are bound, to be identified by the refund card number
Corresponding account identifies corresponding account to the debt card number and carries out refund operation.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810076641.3A CN108335197A (en) | 2018-01-25 | 2018-01-25 | Automatic repayment method, bank server, storage medium and device of refunding automatically |
| PCT/CN2018/083878 WO2019144533A1 (en) | 2018-01-25 | 2018-04-20 | Automatic repayment method, bank server, storage medium, and automatic repayment device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810076641.3A CN108335197A (en) | 2018-01-25 | 2018-01-25 | Automatic repayment method, bank server, storage medium and device of refunding automatically |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108335197A true CN108335197A (en) | 2018-07-27 |
Family
ID=62925768
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810076641.3A Pending CN108335197A (en) | 2018-01-25 | 2018-01-25 | Automatic repayment method, bank server, storage medium and device of refunding automatically |
Country Status (2)
| Country | Link |
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| CN (1) | CN108335197A (en) |
| WO (1) | WO2019144533A1 (en) |
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| WO2019144533A1 (en) | 2019-08-01 |
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Application publication date: 20180727 |