CN108446974A - Data processing equipment, method and computer readable storage medium - Google Patents
Data processing equipment, method and computer readable storage medium Download PDFInfo
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- CN108446974A CN108446974A CN201810184779.5A CN201810184779A CN108446974A CN 108446974 A CN108446974 A CN 108446974A CN 201810184779 A CN201810184779 A CN 201810184779A CN 108446974 A CN108446974 A CN 108446974A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
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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
- G06Q40/03—Credit; Loans; Processing thereof
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- G06—COMPUTING; CALCULATING OR COUNTING
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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- 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/407—Cancellation of a transaction
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Abstract
The invention discloses a kind of data processing equipment, including memory and processor, it is stored with the data processor that can be run on a processor on memory, which realizes following steps when being executed by processor：A1, the refund account information for obtaining user account binding, calculating wait for that repayment amount generates refund bill；A2, according to refund account information, refund bill, send collection request to resource system；If A3, receiving the prompt message that Sorry, your ticket has not enough value, current refund bill is split as multiple sub- refund bills, and judges whether multiple sub- refund bills are respectively less than predetermined threshold value；A4, if it is not, multiple sub- refund bills are then executed step A2 successively as current refund bill；A5, the successful amount of money and the amount of money to fail of refunding if so, calculating is refunded.The present invention also proposes a kind of data processing method and a kind of computer readable storage medium.The present invention solves the technical issues of effective recovery that cannot achieve loan in the prior art.
Description
Technical field
The present invention relates to field of computer technology more particularly to a kind of data processing equipment, method and computer-readable deposit
Storage media.
Background technology
With the improvement of people's living and consumption levels, more and more people are bought house by loan, buying car, personal loan is
As a kind of more and more common financial product of people.All kinds of loan transactions at present on the market are various, such as numerous types
Small loan business is all much that the bank card directly being initiated to bind account according to repayment amount withholds action, still, works as binding
Bank card insufficient in amount when, refund failure will be withheld, and the actually bank card also has certain remaining sum, only should
Remaining sum be less than repayment amount, and due to banking system be in user information safety the considerations of, lending agency can not be interdepartmental
System inquires the user in the remaining sum of banking system, repayment amount directly can only initiate collection request as needed, causing cannot
It successfully withholds, leads to not the effective recovery for realizing loan.
Invention content
A kind of data processing equipment of present invention offer, method and computer readable storage medium, main purpose are to solve
The technical issues of certainly cannot achieve effective recovery of loan in the prior art.
To achieve the above object, the present invention provides a kind of data processing equipment, which includes memory and processor, institute
The data processor that is stored with and can run on the processor in memory is stated, the data processor is by the processing
Device realizes following steps when executing：
A1, when detect payback period of user account to when, obtain the refund account letter of user account binding
Breath, calculating waits for repayment amount, and waits for that repayment amount generates refund bill according to described；
A2, according to the refund account information, refund bill, and resource system corresponding with the refund account information
Between collection agreement, to the resource system send collection request；
If A3, receiving the resource system and returning to the prompt message that Sorry, your ticket has not enough value based on collection request,
According to waiting for that current refund bill is split as multiple sub- refund bills by repayment amount, and judge the multiple sub- refund bill
Whether repayment amount is respectively less than predetermined threshold value；
A4, if it is not, then respectively using the multiple sub- refund bill as current refund bill, execute step A2 successively；
A5, the successful amount of money and the amount of money to fail of refunding if so, calculating is refunded, and recorded.
Optionally, described according to waiting for that the step of current refund bill is split as multiple sub- refund bills by repayment amount wrap
It includes：
According to waiting for that current refund bill is fifty-fifty split as multiple sub- refund bills by repayment amount.
Optionally, the data processor can also be executed by the processor, after the step A2, also to realize
Following steps：
If receiving refund of the resource system based on collection request initiation and repayment amount being equal to user's account
Family should refund total value, then be updated to refund by the state of the user account and complete.
Optionally, the data processor can also be executed by the processor, in the step A1 and the step
Between A2, following steps are also realized：
Obtain the transferable resource amount of the corresponding single of the refund account information；
If described wait for that repayment amount is less than or equal to the transferable resource amount of the single, A2 is thened follow the steps；
If described wait for that repayment amount is more than the transferable resource amount of the single, the refund bill is split as multiple
Equal to or less than the sub- refund bill of the transferable resource amount of the single, and execute step A4.
Optionally, described calculating the step of waiting for repayment amount, includes：
The credit information of the user account is inquired, wherein the credit information includes the amount of the loan, loan interest rate and loan
During money；
Repayment amount is waited for according to being calculated during the amount issued of inquiry, loan interest rate and loan.
In addition, to achieve the above object, the present invention also provides a kind of data processing method, this method includes：
B1, when detect payback period of user account to when, obtain the refund account letter of user account binding
Breath, calculating waits for repayment amount, and waits for that repayment amount generates refund bill according to described；
B2, according to the refund account information, refund bill, and resource system corresponding with the refund account information
Between collection agreement, to the resource system send collection request；
If B3, receiving the resource system and returning to the prompt message that Sorry, your ticket has not enough value based on collection request,
According to waiting for that current refund bill is split as multiple sub- refund bills by repayment amount, and judge the multiple sub- refund bill
Whether repayment amount is respectively less than predetermined threshold value；
B4, if it is not, then respectively using the multiple sub- refund bill as current refund bill, and execute step successively
B2；
B5, the successful amount of money and the amount of money to fail of refunding if so, calculating is refunded, and recorded.
Optionally, described according to waiting for that the step of current refund bill is split as multiple sub- refund bills by repayment amount wrap
It includes：
According to waiting for that current refund bill is fifty-fifty split as multiple sub- refund bills by repayment amount.
Optionally, after the step B2, the method further includes following steps：
If receiving refund of the resource system based on collection request initiation and repayment amount being equal to user's account
Family should refund total value, then be updated to refund by the state of the user account and complete.
Optionally, between the step B1 and the step B2, the method further includes：
Obtain the transferable resource amount of the corresponding single of the refund account information；
If described wait for that repayment amount is less than or equal to the transferable resource amount of the single, B2 is thened follow the steps；
If described wait for that repayment amount is more than the transferable resource amount of the single, the refund bill is split as multiple
Equal to or less than the sub- refund bill of the transferable resource amount of the single, and execute step B4.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Data processor is stored on storage medium, the data processor can be executed by one or more processor, with reality
Now the step of data processing method as described above.
Data processing equipment, method and computer readable storage medium proposed by the present invention, when having detected user account
Payback period to when, obtain the user account binding refund account information, calculating wait for repayment amount and generate refund account
It is single, according to the collection agreement between refund account information, refund bill and resource system corresponding with refund account information,
Collection request is sent to resource system, if receive resource system returns to the prompt letter that Sorry, your ticket has not enough value based on collection request
Breath, according to waiting for that current refund bill is split as multiple sub- refund bills by repayment amount, in the refund gold for having sub- refund bill
When volume is more than or equal to predetermined threshold value, collection request is initiated respectively according to multiple sub- repayment amounts, is sent to resource one by one
System determines whether to continue to split sub- repayment amount according to the feedback result of resource system, until the son after splitting is also
The money amount of money is less than predetermined threshold value, then stops splitting, when the repayment amount of the sub- refund bill after fractionation is respectively less than predetermined threshold value,
It calculates the amount of money of the refund successful amount of money and failure of refunding and is recorded, it in this way can be to greatest extent in user
Account binding refund account residual amount it is insufficient in the case of, realize effective recovery of loan.
Description of the drawings
Fig. 1 is the schematic diagram of data processing equipment preferred embodiment of the present invention；
Fig. 2 is the flow chart of data processing method 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.
The present invention provides a kind of data processing equipment.It is data processing equipment preferred embodiment of the present invention shown in referring to Fig.1
Schematic diagram.
In the present embodiment, data processing equipment can be PC (Personal Computer, PC), can also
It is the terminal devices such as smart mobile phone, tablet computer, pocket computer.
The data processing equipment includes at least memory 11, processor 12, communication bus 13 and network interface 14.
Wherein, memory 11 include at least a type of readable storage medium storing program for executing, the readable storage medium storing program for executing include flash memory,
Hard disk, multimedia card, card-type memory (for example, SD or DX memories etc.), magnetic storage, disk, CD etc..Memory 11
Can be the internal storage unit of data processing equipment, such as the hard disk of the data processing equipment in some embodiments.Storage
Device 11 can also be in further embodiments the External memory equipment of data processing equipment, such as is equipped on data processing equipment
Plug-in type hard disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card,
Flash card (Flash Card) etc..Further, memory 11 can also both include the internal storage unit of data processing equipment
Also include External memory equipment.Memory 11 can be not only used for storage and be installed on the application software of data processing equipment and all kinds of
Data, for example, data processor code etc., can be also used for temporarily storing the data that has exported or will export.
Processor 12 can be in some embodiments a central processing unit (Central Processing Unit,
CPU), controller, microcontroller, microprocessor or other data processing chips, the program for being stored in run memory 11
Code or processing data, such as execute data processor etc..
Communication bus 13 is for realizing the connection communication between these components.
Network interface 14 may include optionally standard wireline interface and wireless interface (such as WI-FI interface), be commonly used in
Communication connection is established between the device and other electronic equipments.
Fig. 1 illustrates only the data processing equipment with component 11-14 and data processor, it should be understood that
It is, it is not required that implement all components shown, the implementation that can be substituted is more or less component.
Optionally, which can also include user interface, and user interface may include display (Display), input
Unit such as keyboard (Keyboard), optional user interface can also include standard wireline interface and wireless interface.It is optional
Ground, in some embodiments, display can be light-emitting diode display, liquid crystal display, touch-control liquid crystal display and OLED
(Organic Light-Emitting Diode, Organic Light Emitting Diode) touches device etc..Wherein, display can also be appropriate
Referred to as display screen or display unit, for being shown in the information handled in data processing equipment and for showing visual use
Family interface.
In device embodiment shown in Fig. 1, data processor is stored in memory 11；Processor 12 executes storage
Following steps are realized when the data processor stored in device 11：
A1, when detect payback period of user account to when, obtain the refund account letter of user account binding
Breath, calculating waits for repayment amount, and waits for that repayment amount generates refund bill according to described；
A2, according to the refund account information, refund bill, and resource system corresponding with the refund account information
Between collection agreement, to the resource system send collection request；
If A3, receiving the resource system and returning to the prompt message that Sorry, your ticket has not enough value based on collection request,
According to waiting for that current refund bill is split as multiple sub- refund bills by repayment amount, and judge the multiple sub- refund bill
Whether repayment amount is respectively less than predetermined threshold value；
A4, if it is not, then respectively using the multiple sub- refund bill as current refund bill, execute step A2 successively；
A5, the successful amount of money and the amount of money to fail of refunding if so, calculating is refunded, and recorded.
In the present embodiment, account management system is deployed in data processing equipment, user's account under account management system
Number for loan account, the binding of each user account is useful for the refund account information refunded, such as bank's card number, the refund
Account information corresponds to resource system, the i.e. corresponding bank management system of bank card.In account management system and resource transfers system
There is the collection agreement by mandate between system.
Account management system timing or the in real time payback period of each user account in monitoring system, when monitoring has
The payback period of user account to when, obtain the user account binding refund account information, calculating wait for repayment amount M, and
Wait for that repayment amount generates refund bill according to described.Between user information, refund bill and system based on the user account
Agreement for the repayment of money to refund system initiate refund request.
Optionally, as an implementation, calculating the step of waiting for repayment amount includes：Inquire the loan of the user account
Money information, wherein during the credit information includes the amount of the loan, loan interest rate and loan；According to the amount issued of inquiry,
It is calculated during loan interest rate and loan and waits for repayment amount.
Resource system obtains the refund account information in collection request and waits refunding when receiving collection request
The amount of money inquires the residual amount of the refund account information in resource system, judges whether surplus resources are more than or equal to and waits for
Repayment amount；If so, being asked directly in response to the collection, it will wait for that repayment amount is transferred to account management system according to agreement for the repayment of money
The user account in system, while the user terminal bound to the user account sends successful prompt message of refunding；If remaining
Resource, which is less than, waits for repayment amount, then sends the prompt message that Sorry, your ticket has not enough value to account management system.
Account management system is when receiving resource system and sending the prompt message that Sorry, your ticket has not enough value, according to waiting for repayment amount
Refund bill is split as multiple sub- refund bills, i.e., bill of refunding is waited for that M points of repayment amount is N parts, per a corresponding one
Height refund bill, wherein N >=2, it should be noted that the method for fractionation can random will wait for that repayment amount is divided into and is
The amount of the N one's share of expenses for a joint undertaking repayment amounts of M, i.e., each one's share of expenses for a joint undertaking repayment amount is random, as long as the sum of N one's share of expenses for a joint undertaking repayment amounts are equal to M.
Alternatively, in other embodiments, will wait for that repayment amount M is fifty-fifty divided into N parts, wherein N >=2, it is M/N's to obtain each share degree
N number of sub- repayment amount, when there is decimal place, the processing that round up is converted to integer.
For it will wait for that repayment amount M is fifty-fifty split as N parts, after the completion of splitting refund bill, each height is also
The repayment amount of money bill is M/N, since the first one's share of expenses for a joint undertaking refund bill, is gone back respectively using multiple sub- refund bills as current
Money bill executes step A2 based on current sub- refund bill, i.e., since the 1st one's share of expenses for a joint undertaking sub- refund bill, is based on successively successively
N-th one's share of expenses for a joint undertaking sub- refund bill sends n-th of first collections request, 1≤n≤N, if receiving resource system base to resource system
The prompt message that Sorry, your ticket has not enough value is sent in this request, then illustrates that the current balance of refund account information is corresponded to less than the request
Sub- refund bill repayment amount, then suspend and send collection request, sub- refund bill corresponding to the prompt message carries out
Continue to split, can split according to mode identical with last fractionation mode and obtain multiple sub- refund bills herein, i.e., will
The repayment amount M/N of sub- refund bill is split as N parts, and it is M/N to obtain each repayment amount2Multiple sub- refund bills, and press
Collection request is initiated to refund system one by one according to process same as described above, until receiving the remaining of resource system transmission
The insufficient prompt message of volume.It moves in circles as procedure described above, to receiving the sub- repayment amount for the prompt message that Sorry, your ticket has not enough value
It is split again, until the sub- repayment amount M/N obtained after splitting X timesXLess than predetermined threshold value, then stop splitting, calculate also
The amount of money of the successful amount of money of money and failure of refunding, and recorded, will further refund the successful amount of money and failure of refunding
The information of the amount of money is sent to the user terminal of user account binding.
It is understood that when receiving the refund that resource system is initiated based on collection request, illustrate refund account
The current balance of information is more than or equal to this corresponding repayment amount of request, then records this refund situation.
In addition, in above process, each time to current after repayment amount fractionation, needing to judge to obtain after splitting
Multiple sub- repayment amounts in whether have sub- repayment amount be more than or equal to predetermined threshold value, if so, send collection request,
If obtained multiple sub- repayment amounts are respectively less than predetermined threshold value after fruit splits, complete to collect money, calculate refund the successful amount of money and
The amount of money of refund failure, and recorded.
Below in order to make it easy to understand, enumerating a practical application scene to be illustrated to the scheme of the present embodiment.It answers at this
Refund bill is fifty-fifty split as two one's share of expenses for a joint undertaking refund bills in scene.One user's waits for that repayment amount is 100,000, it is assumed that this
When the user account under bind for refund bank card account number remaining sum be 80,000, setting predetermined threshold value be 2000.If directly
The collection request that 100,000 are initiated to the corresponding bank of the bank card, can collect money and fail.According to the scheme of the present embodiment, will refund
The refund bill that the amount of money is 100,000 is split as two 50,000 sub- refund bills, is first based on first 5 universal banking system and initiates generation
Gathering request, at this point, since bank card account number remaining sum is 80,000, banking system can initiate 5 refund, i.e., the first stroke collection at
Work(then initiates collection request based on second 5 universal banking system, since remaining sum is 3 after bank card account number refund at this time
Ten thousand, second 50,000 collection failure then continues to decouple list to the carry out two of this 50,000, is split into two 25000 sons and waits for also
The money amount of money, the first stroke are collected money successfully, second gathering failure, the remaining sum of bank card residue 5000；Then continue to carry out two by 25000
Partition is single, is split into two 12500 sons and waits for repayment amount, the first stroke gathering failure；Then continue to carry out two partition lists by 12500,
It is split into two 6250 sons and waits for repayment amount, the first stroke gathering failure；Then continue to carry out two partition lists by 6250, is split into two
3125 son waits for that repayment amount, the first stroke are collected money successfully, second gathering failure, the remaining sum of bank card residue 1875；Then continue
Two partition lists are carried out by 3125, the son for being split into two 1563 (having decimal point after fractionation, rounded up) waits for repayment amount,
At this point, the son after splitting waits for that repayment amount is less than predetermined threshold value 2000, then the operation collected money and split is not continued to, gathering is eventually
Only.The user finally successfully refunds 78125, has achieved the purpose that refund as much as possible.
It is understood that the predetermined threshold value 3000 in above-mentioned practical application scene is by way of example only, in practical application
In, user can be arranged as required to predetermined threshold value, for example, by predetermined threshold value be set as waiting for repayment amount 1/10th or
1 percent.
In addition, if the corresponding remaining sum of refund account information is sufficient, it is sufficient to which repay in a lump sum loan, then resource system is the
When once receiving collection request, you can directly initiate to refund to account management system, that is to say, that if account management system
If receiving refund of the resource system based on collection request initiation and repayment amount being equal to the user account and should refund
The state of the user account then is updated to refund and be completed by total value.
The data processing equipment that the present embodiment proposes, when detect payback period of user account to when, obtaining should
The refund account information of user account binding, calculating wait for repayment amount and generate refund bill, according to refund account information, refund
Collection agreement between bill and resource system corresponding with refund account information sends collection to resource system and asks
It asks, if receive resource system returns to the prompt message that Sorry, your ticket has not enough value based on collection request, according to waiting for that repayment amount will work as
Preceding refund bill is split as multiple sub- refund bills, is more than or equal to predetermined threshold value in the repayment amount for having sub- refund bill
When, collection request is initiated respectively according to multiple sub- repayment amounts, resource system is sent to one by one, according to the feedback of resource system
As a result determine whether to continue to split sub- repayment amount, until the sub- repayment amount after splitting is less than predetermined threshold value, then stop
It only splits, when the repayment amount of the sub- refund bill after fractionation is respectively less than predetermined threshold value, calculates the successful amount of money of refund and go back
The amount of money of money failure is simultaneously recorded, in this way can be remaining in the refund account of user account binding to greatest extent
In the case of insufficient in amount, effective recovery of loan is realized.
The second embodiment of data processing equipment of the present invention is proposed based on first embodiment.In the present embodiment, at data
Reason program can also be executed by processor 12, between step A1 and step A2, also to realize following steps：
Obtain the transferable resource amount of the corresponding single of the refund account information；
If described wait for that repayment amount is less than or equal to the transferable resource amount of the single, A2 is thened follow the steps；
If described wait for that repayment amount is more than the transferable resource amount of the single, the refund bill is split as multiple
Equal to or less than the sub- refund bill of the transferable resource amount of the single, and execute step A4.
In the scheme that the present embodiment proposes, before first time initiates collection request, consider that refund account information is set
The transferable resource amount of single set splits refund bill if waiting for that repayment amount is more than the transferable resource amount of single
It is equal to or less than the sub- refund bill of the transferable resource amount of single for multiple repayment amounts, sends collection request successively,
For example, user's waits for that repayment amount is 200,000, the corresponding remaining sum of refund account information is 180,000, and the transferable resource amount of single is
50000, then it is split as 50,000,50,000,50,000,50,000 by 200,000.First three pen 5 is all ages collected money successfully, and the 4th collection failure then continues
The 50000 sub- refund bill is circularly split according to the method in above-mentioned first embodiment, until after splitting
Repayment amount is less than predetermined threshold value.Details are not described herein for the process.Wherein, the transferable resource amount of single can be by resource
System initiates inquiry request to obtain.
Optionally, in other embodiments, before first time initiates collection request, consider the setting of refund account information
Odd-numbered day transferable resource amount, specifically, data processor can also be executed by processor 12, in step A1 and step A2
Between, also realize following steps：
Obtain the refund account information corresponding odd-numbered day transferable resource amount；If what is be calculated waits for that repayment amount is small
In or equal to the odd-numbered day transferable resource amount, A2 is thened follow the steps；If what is be calculated waits for repayment amount more than described
Odd-numbered day transferable resource amount, then the refund bill being split as multiple repayment amounts can turn equal to or less than the odd-numbered day
Move the sub- refund bill of resource amount；It is current that collection only is carried out to first sub- refund bill that fractionation obtains, and record surplus
Remaining repayment amount carried out collection at second day to second sub- refund bill, and so on, until completing to all sons also
The collection of money bill, wherein to the collection of each sub- repayment amount also according to the mode in above-mentioned first embodiment
It is withheld.
In addition, the present invention also provides a kind of data processing methods.With reference to shown in Fig. 2, being data processing method of the present invention the
The flow chart of one embodiment.This method can be executed by a device, which can be by software and or hardware realization.
In the present embodiment, data processing method includes：
Step S10, when detect payback period of user account to when, obtain the refund account of user account binding
Family information, calculating waits for repayment amount, and waits for that repayment amount generates refund bill according to described；
Step S20, according to the refund account information, refund bill, and money corresponding with the refund account information
Collection agreement between the system of source sends collection request to the resource system；
If step S30, receive the resource system returns to the prompt letter that Sorry, your ticket has not enough value based on collection request
Breath then according to waiting for that current refund bill is split as multiple sub- refund bills by repayment amount, and judges the multiple sub- refund
Whether the repayment amount of bill is respectively less than predetermined threshold value；
Step S40, it if it is not, then respectively using the multiple sub- refund bill as current refund bill, and executes successively
Step S20；
Step S50, it if so, calculating the amount of money of the refund successful amount of money and failure of refunding, and is recorded.
In the following contents, the embodiment of the method for invention is illustrated using data processing equipment as executive agent.Account
System deployment is managed in data processing equipment, the user account under account management system is loan account, each user's account
Number all binding is useful for the refund account information refunded, such as bank's card number, which corresponds to resource system, i.e.,
The corresponding bank management system of bank card.There is the collection association by mandate between account management system and resource transfers system
View.
Account management system timing or the in real time payback period of each user account in monitoring system, when monitoring has
The payback period of user account to when, obtain the user account binding refund account information, calculating wait for repayment amount M, and
Wait for that repayment amount generates refund bill according to described.Between user information, refund bill and system based on the user account
Agreement for the repayment of money to refund system initiate refund request.
Optionally, as an implementation, calculating the step of waiting for repayment amount includes：Inquire the loan of the user account
Money information, wherein during the credit information includes the amount of the loan, loan interest rate and loan；According to the amount issued of inquiry,
It is calculated during loan interest rate and loan and waits for repayment amount.
Resource system obtains the refund account information in collection request and waits refunding when receiving collection request
The amount of money inquires the residual amount of the refund account information in resource system, judges whether surplus resources are more than or equal to and waits for
Repayment amount；If so, being asked directly in response to the collection, it will wait for that repayment amount is transferred to account management system according to agreement for the repayment of money
The user account in system, while the user terminal bound to the user account sends successful prompt message of refunding；If remaining
Resource, which is less than, waits for repayment amount, then sends the prompt message that Sorry, your ticket has not enough value to account management system.
Account management system is when receiving resource system and sending the prompt message that Sorry, your ticket has not enough value, according to waiting for repayment amount
Refund bill is split as multiple sub- refund bills, i.e., bill of refunding is waited for that M points of repayment amount is N parts, per a corresponding one
Height refund bill, wherein N >=2, it should be noted that the method for fractionation can random will wait for that repayment amount is divided into and is
The amount of the N one's share of expenses for a joint undertaking repayment amounts of M, i.e., each one's share of expenses for a joint undertaking repayment amount is random, as long as the sum of N one's share of expenses for a joint undertaking repayment amounts are equal to M.
Alternatively, in other embodiments, will wait for that repayment amount M is fifty-fifty divided into N parts, wherein N >=2, it is M/N's to obtain each share degree
N number of sub- repayment amount, when there is decimal place, the processing that round up is converted to integer.
For it will wait for that repayment amount M is fifty-fifty split as N parts, after the completion of splitting refund bill, each height is also
The repayment amount of money bill is M/N, since the first one's share of expenses for a joint undertaking refund bill, is gone back respectively using multiple sub- refund bills as current
Money bill executes step A2 based on current sub- refund bill, i.e., since the 1st one's share of expenses for a joint undertaking sub- refund bill, is based on successively successively
N-th one's share of expenses for a joint undertaking sub- refund bill sends n-th of first collections request, 1≤n≤N, if receiving resource system base to resource system
The prompt message that Sorry, your ticket has not enough value is sent in this request, then illustrates that the current balance of refund account information is corresponded to less than the request
Sub- refund bill repayment amount, then suspend and send collection request, sub- refund bill corresponding to the prompt message carries out
Continue to split, can split according to mode identical with last fractionation mode and obtain multiple sub- refund bills herein, i.e., will
The repayment amount M/N of sub- refund bill is split as N parts, and it is M/N to obtain each repayment amount2Multiple sub- refund bills, and press
Collection request is initiated to refund system one by one according to process same as described above, until receiving the remaining of resource system transmission
The insufficient prompt message of volume.It moves in circles as procedure described above, to receiving the sub- repayment amount for the prompt message that Sorry, your ticket has not enough value
It is split again, until the sub- repayment amount M/N obtained after splitting X timesXLess than predetermined threshold value, then stop splitting, calculate also
The amount of money of the successful amount of money of money and failure of refunding, and recorded, will further refund the successful amount of money and failure of refunding
The information of the amount of money is sent to the user terminal of user account binding.
It is understood that when receiving the refund that resource system is initiated based on collection request, illustrate refund account
The current balance of information is more than or equal to this corresponding repayment amount of request, then records this refund situation.
In addition, in above process, each time to current after repayment amount fractionation, needing to judge to obtain after splitting
Multiple sub- repayment amounts in whether have sub- repayment amount be more than or equal to predetermined threshold value, if so, send collection request,
If obtained multiple sub- repayment amounts are respectively less than predetermined threshold value after fruit splits, complete to collect money, calculate refund the successful amount of money and
The amount of money of refund failure, and recorded.
Below in order to make it easy to understand, enumerating a practical application scene to be illustrated to the scheme of the present embodiment.It answers at this
Refund bill is fifty-fifty split as two one's share of expenses for a joint undertaking refund bills in scene.One user's waits for that repayment amount is 100,000, it is assumed that this
When the user account under bind for refund bank card account number remaining sum be 80,000, setting predetermined threshold value be 2000.If directly
The collection request that 100,000 are initiated to the corresponding bank of the bank card, can collect money and fail.According to the scheme of the present embodiment, will refund
The refund bill that the amount of money is 100,000 is split as two 50,000 sub- refund bills, is first based on first 5 universal banking system and initiates generation
Gathering request, at this point, since bank card account number remaining sum is 80,000, banking system can initiate 5 refund, i.e., the first stroke collection at
Work(then initiates collection request based on second 5 universal banking system, since remaining sum is 3 after bank card account number refund at this time
Ten thousand, second 50,000 collection failure then continues to decouple list to the carry out two of this 50,000, is split into two 25000 sons and waits for also
The money amount of money, the first stroke are collected money successfully, second gathering failure, the remaining sum of bank card residue 5000；Then continue to carry out two by 25000
Partition is single, is split into two 12500 sons and waits for repayment amount, the first stroke gathering failure；Then continue to carry out two partition lists by 12500,
It is split into two 6250 sons and waits for repayment amount, the first stroke gathering failure；Then continue to carry out two partition lists by 6250, is split into two
3125 son waits for that repayment amount, the first stroke are collected money successfully, second gathering failure, the remaining sum of bank card residue 1875；Then continue
Two partition lists are carried out by 3125, the son for being split into two 1563 (having decimal point after fractionation, rounded up) waits for repayment amount,
At this point, the son after splitting waits for that repayment amount is less than predetermined threshold value 2000, then the operation collected money and split is not continued to, gathering is eventually
Only.The user finally successfully refunds 78125, has achieved the purpose that refund as much as possible.
It is understood that the predetermined threshold value 3000 in above-mentioned practical application scene is by way of example only, in practical application
In, user can be arranged as required to predetermined threshold value, for example, by predetermined threshold value be set as waiting for repayment amount 1/10th or
1 percent.
In addition, if the corresponding remaining sum of refund account information is sufficient, it is sufficient to which repay in a lump sum loan, then resource system is the
When once receiving collection request, you can directly initiate to refund to account management system, that is to say, that if account management system
If receiving refund of the resource system based on collection request initiation and repayment amount being equal to the user account and should refund
The state of the user account then is updated to refund and be completed by total value.
The data processing method that the present embodiment proposes, when detect payback period of user account to when, obtaining should
The refund account information of user account binding, calculating wait for repayment amount and generate refund bill, according to refund account information, refund
Collection agreement between bill and resource system corresponding with refund account information sends collection to resource system and asks
It asks, if receive resource system returns to the prompt message that Sorry, your ticket has not enough value based on collection request, according to waiting for that repayment amount will work as
Preceding refund bill is split as multiple sub- refund bills, is more than or equal to predetermined threshold value in the repayment amount for having sub- refund bill
When, collection request is initiated respectively according to multiple sub- repayment amounts, resource system is sent to one by one, according to the feedback of resource system
As a result determine whether to continue to split sub- repayment amount, until the sub- repayment amount after splitting is less than predetermined threshold value, then stop
It only splits, when the repayment amount of the sub- refund bill after fractionation is respectively less than predetermined threshold value, calculates the successful amount of money of refund and go back
The amount of money of money failure is simultaneously recorded, in this way can be remaining in the refund account of user account binding to greatest extent
In the case of insufficient in amount, effective recovery of loan is realized.
The second embodiment of data processing method of the present invention is proposed based on first embodiment.In the present embodiment, in step
Between S10 and step S20, this method further includes following steps：
Obtain the transferable resource amount of the corresponding single of the refund account information；
If described wait for that repayment amount is less than or equal to the transferable resource amount of the single, S20 is thened follow the steps；
If described wait for that repayment amount is more than the transferable resource amount of the single, the refund bill is split as multiple
Equal to or less than the sub- refund bill of the transferable resource amount of the single, and execute step S40.
In the scheme that the present embodiment proposes, before first time initiates collection request, consider that refund account information is set
The transferable resource amount of single set splits refund bill if waiting for that repayment amount is more than the transferable resource amount of single
It is equal to or less than the sub- refund bill of the transferable resource amount of single for multiple repayment amounts, sends collection request successively,
For example, user's waits for that repayment amount is 200,000, the corresponding remaining sum of refund account information is 180,000, and the transferable resource amount of single is
50000, then it is split as 50,000,50,000,50,000,50,000 by 200,000.First three pen 5 is all ages collected money successfully, and the 4th collection failure then continues
The 50000 sub- refund bill is circularly split according to the method in above-mentioned first embodiment, until after splitting
Repayment amount is less than predetermined threshold value.Details are not described herein for the process.Wherein, the transferable resource amount of single can be by resource
System initiates inquiry request to obtain.
Optionally, in other embodiments, before first time initiates collection request, consider the setting of refund account information
Odd-numbered day transferable resource amount, specifically, data processor can also be executed by processor 12, in step S10 and step
Between S20, following steps are also realized：
Obtain the refund account information corresponding odd-numbered day transferable resource amount；If what is be calculated waits for that repayment amount is small
In or equal to the odd-numbered day transferable resource amount, S20 is thened follow the steps；If what is be calculated waits for repayment amount more than described
Odd-numbered day transferable resource amount, then the refund bill being split as multiple repayment amounts can turn equal to or less than the odd-numbered day
Move the sub- refund bill of resource amount；It is current that collection only is carried out to first sub- refund bill that fractionation obtains, and record surplus
Remaining repayment amount carried out collection at second day to second sub- refund bill, and so on, until completing to all sons also
The collection of money bill, wherein to the collection of each sub- repayment amount also according to the mode in above-mentioned first embodiment
It is withheld.
In addition, the embodiment of the present invention also proposes a kind of computer readable storage medium, the computer readable storage medium
On be stored with data processor, the data processor can be executed by one or more processors, to realize following operation：
B1, when detect payback period of user account to when, obtain the refund account letter of user account binding
Breath, calculating waits for repayment amount, and waits for that repayment amount generates refund bill according to described；
B2, according to the refund account information, refund bill, and resource system corresponding with the refund account information
Between collection agreement, to the resource system send collection request；
If B3, receiving the resource system and returning to the prompt message that Sorry, your ticket has not enough value based on collection request,
According to waiting for that current refund bill is split as multiple sub- refund bills by repayment amount, and judge the multiple sub- refund bill
Whether repayment amount is respectively less than predetermined threshold value；
B4, if it is not, then respectively using the multiple sub- refund bill as current refund bill, and execute step successively
B2；
B5, the successful amount of money and the amount of money to fail of refunding if so, calculating is refunded, and recorded.
Computer readable storage medium specific implementation mode of the present invention and above-mentioned data processing equipment and each embodiment of method
It is essentially identical, do not make tired state herein.
It should be noted that the embodiments of the present invention are for illustration only, can not represent the quality of embodiment.And
The terms "include", "comprise" herein or any other variant thereof is intended to cover non-exclusive inclusion, so that packet
Process, device, article or the method for including a series of elements include not only those elements, but also include being not explicitly listed
Other element, or further include for this process, device, article or the intrinsic element of method.Do not limiting more
In the case of, the element that is limited by sentence "including a ...", it is not excluded that in the process including the element, device, article
Or there is also other identical elements in method.
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 one as described above
In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions use so that a station terminal equipment (can be mobile phone,
Computer, server 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 data processing equipment, which is characterized in that described device includes memory and processor, is stored on the memory
There is the data processor that can be run on the processor, is realized such as when the data processor is executed by the processor
Lower step：
A1, when detect payback period of user account to when, obtain the refund account information of user account binding, meter
Calculation waits for repayment amount, and waits for that repayment amount generates refund bill according to described；
A2, according to the refund account information, refund bill, and between resource system corresponding with the refund account information
Collection agreement, to the resource system send collection request；
If A3, receiving the resource system and returning to the prompt message that Sorry, your ticket has not enough value based on collection request, according to
It waits for that current refund bill is split as multiple sub- refund bills by repayment amount, and judges the refund of the multiple sub- refund bill
Whether the amount of money is respectively less than predetermined threshold value；
A4, if it is not, then respectively using the multiple sub- refund bill as current refund bill, execute step A2 successively；
A5, the successful amount of money and the amount of money to fail of refunding if so, calculating is refunded, and recorded.
2. data processing equipment as described in claim 1, which is characterized in that described according to waiting for repayment amount by current refund
Bill is split as the step of multiple sub- refund bills and includes：
According to waiting for that current refund bill is fifty-fifty split as multiple sub- refund bills by repayment amount.
3. data processing equipment as claimed in claim 1 or 2, which is characterized in that the data processor can also be described
Processor executes, after the step A2, also to realize following steps：
If receiving refund of the resource system based on collection request initiation and repayment amount being answered equal to the user account
The state of the user account then is updated to refund and be completed by refund total value.
4. data processing equipment as claimed in claim 1 or 2, which is characterized in that the data processor can also be described
Processor executes, between the step A1 and the step A2, also to realize following steps：
Obtain the transferable resource amount of the corresponding single of the refund account information；
If described wait for that repayment amount is less than or equal to the transferable resource amount of the single, A2 is thened follow the steps；
If described wait for that repayment amount is more than the transferable resource amount of the single, the refund bill is split as multiple be equal to
Or the sub- refund bill less than the transferable resource amount of the single, and execute step A4.
5. data processing equipment as claimed in claim 4, which is characterized in that described calculating the step of waiting for repayment amount includes：
The credit information of the user account is inquired, wherein the credit information includes the amount of the loan, loan interest rate and loan phase
Between；
Repayment amount is waited for according to being calculated during the amount issued of inquiry, loan interest rate and loan.
6. a kind of data processing method, which is characterized in that the method includes：
B1, when detect payback period of user account to when, obtain the refund account information of user account binding, meter
Calculation waits for repayment amount, and waits for that repayment amount generates refund bill according to described；
B2, according to the refund account information, refund bill, and between resource system corresponding with the refund account information
Collection agreement, to the resource system send collection request；
If B3, receiving the resource system and returning to the prompt message that Sorry, your ticket has not enough value based on collection request, according to
It waits for that current refund bill is split as multiple sub- refund bills by repayment amount, and judges the refund of the multiple sub- refund bill
Whether the amount of money is respectively less than predetermined threshold value；
B4, if it is not, then respectively using the multiple sub- refund bill as current refund bill, and execute step B2 successively；
B5, the successful amount of money and the amount of money to fail of refunding if so, calculating is refunded, and recorded.
7. data processing method as claimed in claim 6, which is characterized in that described according to waiting for repayment amount by current refund
Bill is split as the step of multiple sub- refund bills and includes：
According to waiting for that current refund bill is fifty-fifty split as multiple sub- refund bills by repayment amount.
8. data processing method as claimed in claims 6 or 7, which is characterized in that after the step B2, the method is also wrapped
Include following steps：
If receiving refund of the resource system based on collection request initiation and repayment amount being answered equal to the user account
The state of the user account then is updated to refund and be completed by refund total value.
9. data processing method as claimed in claims 6 or 7, which is characterized in that between the step B1 and the step B2,
The method further includes：
Obtain the transferable resource amount of the corresponding single of the refund account information；
If described wait for that repayment amount is less than or equal to the transferable resource amount of the single, B2 is thened follow the steps；
If described wait for that repayment amount is more than the transferable resource amount of the single, the refund bill is split as multiple be equal to
Or the sub- refund bill less than the transferable resource amount of the single, and execute step B4.
10. a kind of computer readable storage medium, which is characterized in that be stored at data on the computer readable storage medium
Program is managed, the data processor can be executed by one or more processor, to realize as any in claim 6 to 9
Described in data processing method the step of.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810184779.5A CN108446974B (en) | 2018-03-06 | 2018-03-06 | Data processing apparatus, method and computer-readable storage medium |
| PCT/CN2018/089182 WO2019169758A1 (en) | 2018-03-06 | 2018-05-31 | Data processing device and method and computer readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810184779.5A CN108446974B (en) | 2018-03-06 | 2018-03-06 | Data processing apparatus, method and computer-readable storage medium |
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| CN108446974B CN108446974B (en) | 2023-03-24 |
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| WO (1) | WO2019169758A1 (en) |
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| CN108776893A (en) * | 2018-04-28 | 2018-11-09 | 拉卡拉支付股份有限公司 | Information-pushing method, device, electronic equipment and computer readable storage medium |
| CN109359984A (en) * | 2018-09-18 | 2019-02-19 | 深圳壹账通智能科技有限公司 | Refund processing method, device, computer equipment and storage medium |
| CN109618070A (en) * | 2018-12-03 | 2019-04-12 | 中国移动通信集团江苏有限公司 | Bill charging method, device, equipment and medium |
| CN109658218A (en) * | 2018-09-27 | 2019-04-19 | 深圳壹账通智能科技有限公司 | It provides a loan singulated method, apparatus, equipment and readable storage medium storing program for executing |
| CN109670939A (en) * | 2018-11-08 | 2019-04-23 | 深圳壹账通智能科技有限公司 | Refund data processing method, device, equipment and computer readable storage medium |
| CN109816374A (en) * | 2018-12-14 | 2019-05-28 | 平安普惠企业管理有限公司 | Repayment method and device |
| CN109829815A (en) * | 2019-01-12 | 2019-05-31 | 杭州复杂美科技有限公司 | Receiving agent's method, equipment and storage medium |
| CN111179047A (en) * | 2019-12-31 | 2020-05-19 | 中信百信银行股份有限公司 | Business data checking method and device, computer equipment and readable storage medium |
| CN111190910A (en) * | 2019-07-11 | 2020-05-22 | 腾讯科技（深圳）有限公司 | Quota resource processing method and device, electronic equipment and readable storage medium |
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| CN108776893A (en) * | 2018-04-28 | 2018-11-09 | 拉卡拉支付股份有限公司 | Information-pushing method, device, electronic equipment and computer readable storage medium |
| CN109359984A (en) * | 2018-09-18 | 2019-02-19 | 深圳壹账通智能科技有限公司 | Refund processing method, device, computer equipment and storage medium |
| CN109658218A (en) * | 2018-09-27 | 2019-04-19 | 深圳壹账通智能科技有限公司 | It provides a loan singulated method, apparatus, equipment and readable storage medium storing program for executing |
| CN109670939A (en) * | 2018-11-08 | 2019-04-23 | 深圳壹账通智能科技有限公司 | Refund data processing method, device, equipment and computer readable storage medium |
| CN109618070B (en) * | 2018-12-03 | 2021-03-23 | 中国移动通信集团江苏有限公司 | Call bill charging method, device, equipment and medium |
| CN109618070A (en) * | 2018-12-03 | 2019-04-12 | 中国移动通信集团江苏有限公司 | Bill charging method, device, equipment and medium |
| CN109816374A (en) * | 2018-12-14 | 2019-05-28 | 平安普惠企业管理有限公司 | Repayment method and device |
| CN109829815A (en) * | 2019-01-12 | 2019-05-31 | 杭州复杂美科技有限公司 | Receiving agent's method, equipment and storage medium |
| CN109829815B (en) * | 2019-01-12 | 2021-10-01 | 杭州复杂美科技有限公司 | Method, apparatus and storage medium for collecting agent |
| CN111190910A (en) * | 2019-07-11 | 2020-05-22 | 腾讯科技（深圳）有限公司 | Quota resource processing method and device, electronic equipment and readable storage medium |
| CN111190910B (en) * | 2019-07-11 | 2024-01-09 | 腾讯科技（深圳）有限公司 | Method and device for processing quota resources, electronic equipment and readable storage medium |
| CN111179047A (en) * | 2019-12-31 | 2020-05-19 | 中信百信银行股份有限公司 | Business data checking method and device, computer equipment and readable storage medium |
| CN111179047B (en) * | 2019-12-31 | 2024-01-05 | 中信百信银行股份有限公司 | Service data checking method, device, computer equipment and readable storage medium |
| CN111415145A (en) * | 2020-03-26 | 2020-07-14 | 支付宝(杭州)信息技术有限公司 | Processing method and device for deduction service and electronic equipment |
| CN113762946A (en) * | 2021-07-22 | 2021-12-07 | 北京房江湖科技有限公司 | Account deposit and withdrawal method, device, electronic equipment, medium and program product |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2019169758A1 (en) | 2019-09-12 |
| CN108446974B (en) | 2023-03-24 |
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