CN108446974A - Data processing equipment, method and computer readable storage medium - Google Patents

Data processing equipment, method and computer readable storage medium Download PDF

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Publication number
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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China
Prior art keywords
refund
amount
bill
sub
resource
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CN201810184779.5A
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Chinese (zh)
Inventor
陈磊
夏学军
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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Priority to CN201810184779.5A priority Critical patent/CN108446974A/en
Publication of CN108446974A publication Critical patent/CN108446974A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • G06Q40/025Credit processing or loan processing, e.g. risk analysis for mortgages
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102Bill distribution or payments
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/403Solvency checks
    • G06Q20/4037Remote solvency checks
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/407Cancellation of a transaction

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

Data processing equipment, method and computer readable storage medium
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.
CN201810184779.5A 2018-03-06 2018-03-06 Data processing equipment, method and computer readable storage medium Pending CN108446974A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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
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
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

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101515349A (en) * 2009-02-25 2009-08-26 上海付费通信息服务有限公司 Payment bill housekeeping management method and system thereof
CN101847298A (en) * 2009-03-24 2010-09-29 统一超商股份有限公司 Electronic bill paying device

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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
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
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
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

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