CN109255695A - The loan repayment treating method and apparatus of online trade platform - Google Patents
The loan repayment treating method and apparatus of online trade platform Download PDFInfo
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- CN109255695A CN109255695A CN201710565476.3A CN201710565476A CN109255695A CN 109255695 A CN109255695 A CN 109255695A CN 201710565476 A CN201710565476 A CN 201710565476A CN 109255695 A CN109255695 A CN 109255695A
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
- G06Q20/0652—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash with decreasing value according to a parameter, e.g. time
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- 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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Abstract
The present invention provides a kind of loan repayment treating method and apparatus of online trade platform, which comprises determine user online trade platform loan account refund time cycle and user the online trade platform business revenue of the business revenue account within the refund time cycle to the account time；In the business revenue to account time, according to business revenue to account data and the data to be refunded of the loan account, triggering is executed to be operated to the refund of the loan account.The loan repayment treating method and apparatus of online trade platform provided by the invention can reduce the loan bad credit rate of online trade platform.
Description
Technical field
The present invention relates to Internet technology more particularly to the loan repayment processing methods and dress of a kind of online trade platform
It sets.
Background technique
Online trade platform is a third-party business safety control platform.Both parties can be flat by online transaction
Platform is traded, to ensure safety that both parties trade on the net, it is sincere the problems such as.Currently, common online transaction
Platform has business to business (Business-to-Business, B2B) platform, quotient to visitor (Business-to-Customer,
B2C) platform etc..B2C platform mentioned here for example can be with shopping platform, trip platform etc..
By taking platform of going on a journey as an example, the end B for platform of going on a journey is driver end, and C-terminal is passenger end.Driver's end subscriber (i.e. driver),
After opening the trip platform being installed on terminal device, the net about vehicle that passenger's end subscriber is issued on trip platform can receive
Order (referred to as: order).Then, driver can drive that getting on the bus in net about vehicle order is gone to a little to meet passenger, and passenger is sent to
Destination in net about vehicle order, to earn reward.
Currently, above-mentioned trip platform releases loan system, by the loan system, platform of going on a journey can provide loan for driver
Money service.The loan system can provide two kinds of modes of repayment, actively refund one is driver (i.e. before specified repayment date,
Driver is actively by institute's monetary allowance volume also to the account of loan system), another kind is that loan system withholds refund (i.e. in specified refund
Day, loan system from the reimbursement bank card that driver binds in the loan system, deducts driver institute monetary allowance volume automatically).But
When being refunded using above-mentioned mode of repayment constraint driver, bad credit rate is higher.
Summary of the invention
The present invention provides a kind of loan repayment treating method and apparatus of online trade platform, flat to reduce online transaction
The loan bad credit rate of platform.
First aspect present invention provides a kind of loan repayment processing method of online trade platform, comprising:
Determine user in the refund time cycle of the loan account of online trade platform and user in the online transaction
The business revenue account of platform is in the business revenue refunded in the time cycle to account time；
In the business revenue to account time, according to business revenue to account data and the data to be refunded of the loan account, triggering
It executes and is operated to the refund of the loan account.
In a kind of possible embodiment, in the business revenue to account time, according to business revenue to account data and the loan
The data to be refunded of money account, triggering is executed to be operated to the refund of the loan account, is specifically included:
If the business revenue is less than the data to be refunded to account data, borrowed using described in the business revenue to account data offset
The part of money account data to be refunded, and the loan is updated using the difference of the data to be refunded and the business revenue to account data
The data to be refunded of money account；
Alternatively,
If the business revenue is greater than or equal to the data to be refunded to account data, by the amount of money to be gone back of the loan account
According to being updated to 0.
In alternatively possible embodiment, if the business revenue is greater than or equal to the data to be refunded to account data,
The method also includes:
It is sent to the corresponding financial system server of the business revenue account and provides request, in the granting request described in carrying
Business revenue account information and the business revenue to account data and the data to be refunded difference data so that the business revenue account is corresponding
Financial system server using the difference data as provide the amount of money transfer accounts to the business revenue account.
In alternatively possible embodiment, if the business revenue is last in the refund time cycle to the account time
Business revenue is to the account time and the business revenue to account data is less than the data to be refunded, then the method also includes:
When the time cycle of refunding expires, transfer request is sent to the corresponding financial system server of the refund account,
The account information of the refund account, the account information and transfer data of the loan account are carried in the transfer request, with
Execute the corresponding financial system server of the refund account from the refund account to the loan according to the transfer data
The refund of money account operates, wherein transfer data is the difference data of the data to be refunded and the business revenue to account data.
In alternatively possible embodiment, the method also includes:
To the refund information of loan account described in the corresponding client push of the loan account, the refund packet
It includes: the updated data to be refunded of loan account.
In alternatively possible embodiment, the method also includes:
The inquiry of historical data request is sent to the corresponding financial system server of the business revenue account, the historical data is looked into
Ask the account information that the business revenue account is carried in request；
Receive the history business revenue data for the business revenue account that the corresponding financial system server of the business revenue account is sent；
According to the history business revenue data of the business revenue account, the loan limit data of the loan account are determined.
In alternatively possible embodiment, the history business revenue data according to the business revenue account, determine described in
The loan limit data of loan account, comprising:
According to the history business revenue data of the business revenue account, the average business revenue data of the business revenue account are determined；
According to the average business revenue data of the user and default business revenue coefficient, the loan value degree of the loan account is determined
According to.
Second aspect of the present invention provides a kind of loan repayment processing unit of online trade platform, comprising:
Determining module, for determining that user exists in the refund time cycle of the loan account of online trade platform and user
The business revenue account of the online trade platform is in the business revenue refunded in the time cycle to account time；
Processing module, in the business revenue to account time, according to business revenue to account data and the loan account to
Refund data, triggering is executed to be operated to the refund of the loan account.
In a kind of possible embodiment, the processing module is specifically used for being less than institute in the business revenue to account data
State wait refund data when, using the part of loan account described in the business revenue to account data offset data to be refunded, and use institute
The difference for stating data to be refunded and the business revenue to account data updates the data to be refunded of the loan account；Alternatively, described
Business revenue to account data be greater than or equal to it is described wait refund data when, the data to be refunded of the loan account are updated to 0.
In alternatively possible embodiment, described device further include:
Sending module, for the business revenue to account data be greater than or equal to it is described wait refund data when, to the business revenue
The corresponding financial system server of account, which is sent, provides request, grantings request in carry the business revenue account information and described
Business revenue to account data and the data to be refunded difference data so that the corresponding financial system server of the business revenue account will
The difference data are transferred accounts as the amount of money is provided to the business revenue account.
In alternatively possible embodiment, if the business revenue is last in the refund time cycle to the account time
Business revenue is to the account time and the business revenue to account data is less than the data to be refunded, then described device further include:
Sending module is used for when the time cycle of refunding expires, to the corresponding financial system server of the refund account
Transfer request is sent, carries the account information of the refund account, the account information of the loan account in the transfer request
And transfer data, so that the corresponding financial system server of the refund account is executed according to the transfer data from the refund
Account is operated to the refund of the loan account, wherein transfer data is the data to be refunded and the business revenue to account data
Difference data.
In alternatively possible embodiment, the processing module is also used to client corresponding to the loan account
End pushes the refund information of the loan account, and the refund information includes: the updated data to be refunded of the loan account.
In alternatively possible embodiment, described device further include:
Sending module, for sending the inquiry of historical data request to the corresponding financial system server of the business revenue account,
The account information of the business revenue account is carried in the inquiry of historical data request；
Receiving module, for receiving the business revenue account that the corresponding financial system server of the business revenue account is sent
History business revenue data；
The determining module is also used to the history business revenue data according to the business revenue account, determines the loan account
Loan limit data.
In alternatively possible embodiment, the determining module, specifically for the history according to the business revenue account
Business revenue data determine the average business revenue data of the business revenue account；According to the average business revenue data of the user and default business revenue
Coefficient determines the loan limit data of the loan account.
The loan repayment treating method and apparatus of online trade platform provided by the invention, when user using oneself online
The loan account of transaction platform, by installing the client of online trade platform on the terminal device to online trade platform
After server successfully applies for loan, server is determining user in week refund time of the loan account of online trade platform
Phase and user online trade platform business revenue account after the business revenue to account time in the time cycle of refunding, Ke Yi
Business revenue is executed according to business revenue to account data and the data to be refunded of loan account, automatic trigger to loan account to the account time
Refund operation.In this way, the loan bad credit rate of online trade platform can be reduced, while can be improved going back for user
Money experience.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.
Fig. 1 is a kind of flow diagram of the loan repayment processing method of online trade platform provided by the invention；
Fig. 2 is the flow diagram of the loan repayment processing method of another online trade platform provided by the invention；
Fig. 3 is a kind of structural schematic diagram of the loan repayment processing unit of online trade platform provided by the invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
The loan repayment treating method and apparatus of online trade platform provided by the invention, to reduce online trade platform
Loan bad credit rate.Technical solution of the present invention is described in detail with specifically embodiment below.These are specific below
Embodiment can be combined with each other, the same or similar concept or process may be repeated no more in some embodiments.
Fig. 1 is a kind of flow diagram of the loan repayment processing method of online trade platform provided by the invention.This reality
The executing subject for applying example can be the server (referred to as: server) of online trade platform.What is involved is servers for the present embodiment
According to user online trade platform business revenue to account data and user online trade platform loan account wait refund
Data, triggering execute the detailed process of the refund operation to loan account.As shown in Figure 1, this method may include:
S101, determine user in the refund time cycle of the loan account of online trade platform and user in online transaction
Business revenue of the business revenue account of platform within the time cycle of refunding is to the account time.
Specifically, above-mentioned online trade platform can be B2B platform, or B2C platform.When above-mentioned online transaction is flat
When platform is B2C platform (such as: shopping platform, trip platform etc.) when, above-mentioned described user is that the end B of online trade platform is used
Family (i.e. trade company).
In the present embodiment, it oneself is set in the loan account of online trade platform by being mounted on terminal when user uses
The user end to server of standby upper online trade platform is successfully applied after providing a loan taking (after making loans to the loan account of user)
Business device can determine user in the refund time cycle of the loan account of online trade platform and user in online trade platform
Business revenue of the business revenue account within the time cycle of refunding to the account time.
Wherein, the above-mentioned refund time cycle specifically can according to user on online trade platform selected loan product
It determines.Above-mentioned business revenue can specifically be sent out to the account time according to the corresponding financial system server of business revenue account of from server to user
The period of the granting request for providing business revenue to user is sent to determine, i.e. period of the online trade platform to user's granting business revenue.
Business revenue mentioned here is operating income of the user in online trade platform.
By with user orientation server application be " daily bear interest " loan product for, it is assumed that user's selection is interest-bearing day
The loan that number is 10 days, then the above-mentioned refund time cycle is in 10 days started successfully application loan day.Successfully to apply providing a loan
Day is on July 7th, 2017, then the above-mentioned refund time cycle is on July 16,7 days to 2017 July in 2017.It is assumed that above-mentioned
Online trade platform each Tuesday provides business revenue to user, then business revenue account of the above-mentioned user in online trade platform is being refunded
Business revenue in time cycle to the account time for example can be on July 11st, 2017.
By with user orientation server application be " monthly bear interest " loan product for, it is assumed that the interest-bearing months of user's selection
For 3 months loans, then the above-mentioned refund time cycle was 3 months started successfully application loan day.Successfully to apply for day of providing a loan
For on July 7th, 2017, then the above-mentioned refund time cycle is on October 6,7 days to 2017 July in 2017.It is assumed that above-mentioned net
Upper transaction platform every month 10 provided business revenue to user, then above-mentioned user is in the business revenue account of online trade platform when refunding
Between business revenue in the period to the account time for example can be on the August 10, of on July 10th, 2017,2017, on September 10th, 2017.
By with user orientation server application be " fixed fee " loan product for, it is assumed that user selection the loan phase
It is limited to 2 months, then the above-mentioned refund time cycle is 2 months started successfully application loan day.Successfully to apply providing a loan, day is
For on July 7th, 2017, then the above-mentioned refund time cycle is on September 6th, 7 days 1 July in 2017.It is assumed that above-mentioned online
Transaction platform every month 10 and No. 25 provide business revenue to user, then above-mentioned user is in the business revenue account of online trade platform also
Business revenue in the money time cycle to the account time for example can be on July 10th, 2017, on July 25th, 2017, August 10 in 2017
Day, on August 25, on September 10th, 2,017 2017.
S102, it triggers and executes according to business revenue to account data and the data to be refunded of loan account in business revenue to account time
It is operated to the refund of loan account.
Specifically, in the present embodiment, above-mentioned server determine user online trade platform loan account also
Money time cycle and user online trade platform business revenue account after the business revenue to account time in the time cycle of refunding,
It can be in business revenue to account time, according to business revenue to account data (being referred to as the business revenue amount of money) and the amount of money to be gone back of loan account
According to (being referred to as to repayment amount), automatic trigger executes the operation of the refund to loan account.That is, by user in online transaction
The operating income of platform is preferentially repaid.In this way, loan repayment success rate can be improved, reduce online trade platform
Loan bad credit rate, while can be improved the refund experience of user.
Wherein, above-mentioned data to be refunded may include: the loan data and interest number on the day of business revenue to account time
According to, or, the fixed fee data of loan data and loan on the day of business revenue to account time, it specifically can be according to user
In online trade platform, applied loan product is determined.
How according to business revenue to account data and the data to be refunded of loan account, triggering is executed to loan above-mentioned server
The refund of account operates, and can specifically be determined according to the preset mode of repayment in online trade platform.For example, above-mentioned server can be with
According to business revenue to account data and default ratio of loan repayment, determine this business revenue into account data for the business revenue of refund to account data.
When this for refund business revenue to account data be less than wait refund data when, using this for refund business revenue to account data offset loan
The part of money account data to be refunded, and updated and borrowed using the difference of data to be refunded and the business revenue for being used to refund to account data
The data to be refunded of money account.Above-mentioned server can be greater than or equal to amount of money to be gone back to account data in the business revenue for refund
According to the data to be refunded of loan account are then updated to 0.
The present embodiment does not limit above-mentioned server and can determine and this time seek according to business revenue to account data and default ratio of loan repayment
Receive the mode in account data for the business revenue of refund to account data.For example, when above-mentioned predetermined coefficient is greater than or equal to 0 and is less than
When 1, business revenue to account data can be multiplied by above-mentioned server with default ratio of loan repayment, obtain this business revenue and be used for into account data
The business revenue of refund is to account data.When above-mentioned predetermined coefficient is greater than or equal to 1, above-mentioned server can by business revenue to account data and
Default ratio of loan repayment is divided by, and obtains this business revenue into account data for business revenue of refund to account data etc..
Illustratively, by taking above-mentioned default ratio of loan repayment is 0.8 as an example, it is assumed that above-mentioned business revenue to account data is 2000, to also
Amount of money according to be 3000, above-mentioned server determine this business revenue into account data for refund business revenue to account data be 2000 and
0.8 product (i.e. 1600).Then above-mentioned server can use the part data to be refunded of the 1600 counteracting loan account (i.e.
1600).Meanwhile the data to be refunded of loan account can be updated to 1400 by above-mentioned server.It is assumed that above-mentioned data to be refunded
It is 1000, then above-mentioned server can be using 1000 in 1600 data to be refunded for offsetting loan accounts.Meanwhile above-mentioned clothes
The data to be refunded of loan account can be updated to 0 by business device.
It should be noted that working as above-mentioned user within the refund time cycle of the loan account of online trade platform in the presence of more
A business revenue is to the account time, then above-mentioned server can execute method shown in above-mentioned steps S102 in each business revenue to account time,
Until the data to be refunded of loan account are 0.
The loan repayment processing method of online trade platform provided by the invention, when user is flat in online transaction using oneself
The loan account of platform, the user end to server by installing online trade platform on the terminal device successfully apply for loan
Afterwards, server is determining user in the refund time cycle of the loan account of online trade platform and user in online transaction
The business revenue account of platform, can be in business revenue to the account time, according to business revenue after the business revenue to account time in the time cycle of refunding
To account data and the data to be refunded of loan account, automatic trigger executes the operation of the refund to loan account.Pass through this side
Formula, can reduce the loan bad credit rate of online trade platform, while can be improved the refund experience of user.
Further, on the basis of the above embodiments, what is involved is above-mentioned servers according to business revenue to account for the present embodiment
The data to be refunded of data and loan account, triggering execute the process of the refund operation to loan account.Then above-mentioned S102 can
To include the following two kinds situation:
The first situation: business revenue to account data is less than data to be refunded.That is, business revenue can not offset amount of money to be gone back to account data
According to.Under the scene, above-mentioned server can be using the part data to be refunded of business revenue to account data offset loan account, and adopt
The data to be refunded of loan account are updated to the difference of account data with data to be refunded and business revenue.
Illustratively, it is assumed that above-mentioned business revenue to account data is 2000, and data to be refunded are 3000, then above-mentioned server can be with
Using the part data to be refunded (i.e. 2000) of the 2000 counteracting loan account.Meanwhile above-mentioned server can be by loan account
Data to be refunded be updated to 1000.
Optionally, above-mentioned server can also be corresponding to loan account after update loan account is wait data of refunding
Client push loan account refund information.Wherein, which may include: that loan account is updated wait refund
Data, the data offset.With continued reference to above-mentioned example, then the corresponding client push loan account of server loan account
Refund information for example can be with are as follows: the remaining amount of money 1000 to be gone back, currently used business revenue have repaid 2000.In this way, make
The refund situation of loan can timely be known by obtaining user, improve the refund experience of user.
Optionally, if business revenue to the account time be refund the time cycle in last time business revenue is to the account time and business revenue arrives
Account data are less than data to be refunded, and explanation can not be provided a loan using the business revenue of user to account data offset within the time cycle of refunding
The data to be refunded of account, then above-mentioned server can also be when the time cycle of refunding expires, to the corresponding finance of refund account
System server sends transfer request.Wherein, which can carry the account information of refund account, loan account
Account information and transfer data, so that the corresponding financial system server of refund account is executed according to transfer data from refund account
It is operated to the refund of loan account, transfer data is the difference data of data to be refunded and business revenue to account data.
Wherein, the account information of above-mentioned described refund account for example may include: the name in an account book and account of account.The refund
Account can be user's refund account bound on online trade platform.In some embodiments, which may be used also
Think that user receives the account for the loan that online trade platform is provided.The account information of above-mentioned loan account may include: to borrow
The name in an account book and account of financial system, loan account where money account.
With continued reference to above-mentioned example, it is assumed that business revenue to account time is on June 8th, 2017, and the above-mentioned refund time cycle is
In on June 10,1 day to 2017 June in 2017, above-mentioned business revenue to account data is 2000, data to be refunded are 3000, and the business revenue
It is the last time business revenue refunded in the time cycle to the account time to the account time, then above-mentioned server can also be all in the time of refunding
When the phase expired (i.e. on June 10th, 2017), transfer request is sent to the corresponding financial system server of refund account.Wherein, should
Transfer request can carry the account information of refund account, the account information of loan account and transfer data (i.e. 1000).Also
This 1000 can be gone to loan from refund account after receiving the transfer request by the corresponding financial system server of money account
Money account, to complete the refund operation from refund account to loan account.
Second situation: business revenue to account data is greater than or equal to data to be refunded.That is, business revenue to account data can offset to
Refund data.Under the scene, above-mentioned server can be greater than or equal to data to be refunded in business revenue to account data, then will loan
The data to be refunded of account are updated to 0.
Illustratively, it is assumed that above-mentioned business revenue to account data is 2000, and data to be refunded are 1000, then above-mentioned server can be with
Using 1000 data to be refunded for offsetting loan accounts in 2000.Meanwhile above-mentioned server can by loan account to
Refund data are updated to 0.
Optionally, above-mentioned server can also be corresponding to loan account after update loan account is wait data of refunding
Client push loan account refund information.Wherein, which may include: that loan account is updated wait refund
Data, the data offset.With continued reference to above-mentioned example, then the corresponding client push loan account of server loan account
Refund information for example can be with are as follows: the remaining amount of money 0 to be gone back, currently used business revenue have repaid 1000.In this way, so that with
Family can timely know the refund situation of loan, improve the refund experience of user.
Optionally, if business revenue is greater than data to be refunded to account data, illustrate that business revenue is offsetting loan account to account data
After data of refunding, there are also surplus for business revenue to account data.Then above-mentioned server can also be to the corresponding Faculty of Finance of business revenue account
Server of uniting, which is sent, provides request, provides the difference that business revenue account information and business revenue are carried in request to account data and data to be refunded
Specified number evidence, so that the corresponding financial system server of business revenue account is transferred accounts using difference data as the amount of money is provided to business revenue account.
Wherein, above-mentioned business revenue account can be for example bank account, Alipay account, wechat account etc., can specifically be existed according to user
Account bound in online trade platform determines.When specific implementation, above-mentioned server can be from the corresponding gold of trend business revenue account
Melt system server and send granting request, user can also received by being mounted on terminal device in business revenue to account time
On online trade platform user end to server send for extracting business revenue to the request of account data after, above-mentioned server
It can just be sent to the corresponding financial system server of business revenue account and provide request etc..
With continued reference to above-mentioned example, when above-mentioned business revenue to account data is 2000, when data of refunding are 1000, above-mentioned service
Device can also send to the corresponding financial system server of business revenue account and provide request, provide and carry business revenue account information in request
And business revenue is to the difference data 1000 of account data and data to be refunded, so that the corresponding financial system server of business revenue account should
1000 transfer accounts as the amount of money is provided to business revenue account.
The loan repayment processing method of online trade platform provided by the invention, when user is flat in online transaction using oneself
The loan account of platform, the user end to server by installing online trade platform on the terminal device successfully apply for loan
Afterwards, server is determining user in the refund time cycle of the loan account of online trade platform and user in online transaction
The business revenue account of platform, can be in business revenue to the account time, according to business revenue after the business revenue to account time in the time cycle of refunding
To account data and the data to be refunded of loan account, automatic trigger executes the operation of the refund to loan account.Pass through this side
Formula, can reduce the loan bad credit rate of online trade platform, while can be improved the refund experience of user.
Below by taking online trade platform is trip platform as an example, to the loan repayment of online trade platform provided by the invention
Processing method is illustrated.Wherein, above-mentioned described user can be the driver at the driver end (i.e. the end B) of trip platform.
In the present embodiment, above-mentioned trip platform includes: loan system and Accounting system.Wherein, the service of loan system
Device can be driver's service of offering a loan at driver end, and the server of Accounting system can provide business revenue to the business revenue account of driver
To account data.Optionally, the server of the server of above-mentioned loan system and Accounting system can be the same server, may be used also
Think different servers.
By taking the server of the server of above-mentioned loan system and Accounting system is different server as an example, this method can be with
Include:
Step A, the server of loan system determine driver trip platform loan account the refund time cycle and
Driver trip platform business revenue of the business revenue account within the time cycle of refunding to the account time.
Above-mentioned driver, in the loan account of trip platform, passes through the trip platform of installation on the terminal device using oneself
Server from client to loan system successfully apply loan after (to the loan account of driver make loans after), above-mentioned loan system
Server determine driver trip platform loan account refund time cycle and driver trip platform business revenue account
Business revenue of the family within the time cycle of refunding is to the account time.
Wherein, the above-mentioned refund time cycle specifically can be true in selected loan product on platform of going on a journey according to driver
It is fixed.Above-mentioned business revenue can specifically be sent to the account time according to the corresponding financial system server of business revenue account of from server to driver
Period for providing from the granting request of business revenue to driver determines that platform of going on a journey provides the period of business revenue to driver.Here institute
The business revenue said is operating income of the driver in trip platform.
By application from driver to loan system be " fixed fee " loan product for, it is assumed that driver selection loan
The money time limit is 1 month, the amount of the loan 1000.Then the above-mentioned refund time cycle is 1 month started successfully application loan day.With
Success applies loan day for on June 7th, 2017, then the above-mentioned refund time cycle is July 67 days to 2017 June in 2017
Day.It is assumed that above-mentioned trip platform each Tuesday provides business revenue to driver, then above-mentioned driver exists in the business revenue account of trip platform
Refund the time cycle in business revenue to the account time for example can be on June 13rd, 2017, on June 20th, 2017, June 27 in 2017
Day, on July 4th, 2017.
Step B, the server of loan system sends inquiry request to the server of Accounting system in business revenue to account time.
Wherein, the inquiry request is for obtaining the business revenue to account time corresponding business revenue to account data.
With continued reference to above-mentioned example, the server of above-mentioned loan system can when reaching first business revenue to the account time,
Inquiry request is sent to the server of Accounting system on June 13rd, 2017.
Step C, the business revenue that the server that the server of loan system receives Accounting system is sent is corresponding to the account time
Business revenue is to account data.
Step D, the server of loan system determines whether business revenue is less than data to be refunded to account data.If so, executing
Step E, if it is not, thening follow the steps F.
Since driver is after application loan, does not cross also also and provide a loan, therefore, the data to be refunded of the loan account of driver are
The amount of the loan adds fixed fee.It is assumed that fixed fee is 20, then current data to be refunded are 1020.
Step E, the server of loan system uses business revenue to the part data to be refunded of account data offset loan account, and
It sends to update to repayment amount to the server of Accounting system and request.
Wherein, above-mentioned that the difference that request may include: data to be refunded with business revenue to account data is updated to repayment amount.
Assuming that on June 13rd, 2017 corresponding business revenue to account data be 300.I.e. driver is 300 in the business revenue of trip platform.
At this point, the business revenue is less than data to be refunded to account time corresponding business revenue to account data.Therefore, the server of above-mentioned loan system
The part data 300 to be refunded of loan account are offset using the business revenue to account data 300, and are sent to the server of Accounting system
Carry 720 to repayment amount update request.In this way, the server of Accounting system receive this to repayment amount update ask
After asking, the data to be refunded of the loan account of driver can be updated to 720.
That is, the server of above-mentioned loan system can preferentially repay driver in the operating income of trip platform.It is logical
This mode is crossed, the loan repayment success rate of trip platform can be improved, reduces the loan bad credit rate of trip platform, while can
Improve the refund experience of driver.
After executing step E, B is returned to step.That is, the server of loan system is in next business revenue to account time
(i.e. on June 20th, 2017) continues to execute step B and subsequent operation.
For example, it is assumed that on June 20th, 2017 corresponding business revenue to account data be 200.That is business revenue of the driver in trip platform
It is 200.At this point, the business revenue is less than data 720 to be refunded to account time corresponding business revenue to account data.Therefore, above-mentioned loan system
The server of system using the business revenue to the part data to be refunded of the counteracting loan account of account data 200, and to the clothes of Accounting system
Business device send carry 520 to repayment amount update request.In this way, the server of Accounting system is receiving the gold to be refunded
After volume updates request, the data to be refunded of the loan account of driver can be updated to 520.After executing step E, return
Execute step B.That is, the server of loan system continues to execute step in next business revenue to account time (i.e. on June 27th, 2017)
Rapid B and subsequent operation.
For example, it is assumed that on June 27th, 2017 corresponding business revenue to account data be 200.That is business revenue of the driver in trip platform
It is 200.At this point, the business revenue is less than data 520 to be refunded to account time corresponding business revenue to account data.Therefore, above-mentioned loan system
The server of system using the business revenue to the part data to be refunded of the counteracting loan account of account data 200, and to the clothes of Accounting system
Business device send carry 320 to repayment amount update request.In this way, the server of Accounting system is receiving the gold to be refunded
After volume updates request, the data to be refunded of the loan account of driver can be updated to 320.After executing step E, return
Execute step B.That is, the server of loan system continues to execute step in next business revenue to account time (i.e. on July 4th, 2017)
B and subsequent operation.
For example, it is assumed that on July 4th, 2017 corresponding business revenue to account data be 300.I.e. driver is in the business revenue of trip platform
300.At this point, the business revenue is less than data 320 to be refunded to account time corresponding business revenue to account data.Therefore, above-mentioned loan system
Server using the business revenue to the part data to be refunded of the counteracting loan account of account data 300, and the service to Accounting system
Device send carry 20 to repayment amount update request.In this way, the server of Accounting system is receiving this to repayment amount
After updating request, the data to be refunded of the loan account of driver can be updated to 20.Since the business revenue to account time is also
The last one payment period in the money period, therefore, the server of above-mentioned loan system will not return again after executing step E
Receipt row step B.
Under the implementation, the server of above-mentioned loan system can expire (i.e. in July, 2017 in the time cycle of refunding
6 days) when, it transfers accounts and asks in the corresponding financial system server transmission of refund account that the loan system of trip platform is bound to driver
It asks.Wherein, the account information of refund account, the account information and transfer data 20 of loan account are carried in the transfer request.Also
The corresponding financial system server of money account can be executed according to transfer data from refund account after receiving the transfer request
It is operated to the refund of loan account, to complete driver in the refund of the loan of trip platform.After executing the step, this time provide a loan
The process of refund terminates.
In the present embodiment, the server of above-mentioned loan system can be performed automatically aforesaid operations, do without driver any
Operation improves the refund experience of driver.
Step F, the server of loan system sends to update to repayment amount to the server of Accounting system and request, and will borrow
The data to be refunded of money account are updated to 0.
When driver a certain business revenue to account time corresponding business revenue to account data be greater than loan account data to be refunded, then
The server of above-mentioned loan system sends to update to repayment amount to the server of Accounting system and request, by loan account to
Refund data are updated to 0.After executing the step, this time the process of loan repayment terminates.
Assuming that on June 13rd, 2017 corresponding business revenue to account data be 1300.I.e. driver is in the business revenue of trip platform
1300.At this point, the business revenue is greater than data to be refunded to account time corresponding business revenue to account data.Therefore, above-mentioned loan system
Server using the business revenue to the data to be refunded 1020 of the counteracting loan account of account data 1020, and to the server of Accounting system
Send carry 0 to repayment amount update request.In this way, the server of Accounting system is receiving this to repayment amount update
After request, the data to be refunded of the loan account of driver can be updated to 0.That is, using driver in the business revenue of platform of going on a journey
To account data, driver has been completed in the refund of the loan of trip platform.After executing the step, the process of this loan repayment
Terminate.
Then under the implementation, the server of above-mentioned Accounting system can be to business revenue account of the driver on trip platform
Corresponding financial system server, which is sent, provides request, wherein provides and carries business revenue account information and business revenue in request to account number
According to difference data (i.e. above-mentioned 280), so that the corresponding financial system server of business revenue account 280 makees this with data to be refunded
It transfers accounts to provide the amount of money to the business revenue account of driver.Wherein, above-mentioned business revenue account for example can be bank account, Alipay account
Family, wechat account etc. can specifically be determined according to driver's account bound in trip platform.When specific implementation, above-mentioned account
The server of system can send from the corresponding financial system server of trend business revenue account and provide request, can also arrive in business revenue
The account time is used in the user end to server transmission for receiving the online trade platform of driver on the terminal device by installation
After extracting business revenue to the request of account data, above-mentioned server just can send hair to the corresponding financial system server of business revenue account
Put request etc..
Optionally, the server of above-mentioned loan system can also every time update loan account wait data of refunding after,
To the refund information of the client push loan account of the trip platform of the driver.In this way, so that driver can and
When the refund situation for knowing loan, improve driver refund experience.
The loan repayment processing method of online trade platform provided by the invention, when driver using oneself in trip platform
Loan account, the client by installing trip platform on the terminal device successfully apply borrowing to the loan system of trip platform
After money, the server of loan system is determining refund time cycle and driver of the driver in the loan account of trip platform
Trip platform business revenue account refund the time cycle in business revenue to account time after, can be in business revenue to account time, root
According to business revenue to account data and the data to be refunded of loan account, automatic trigger executes the operation of the refund to loan account.Pass through
This mode, can reduce the loan bad credit rate of trip platform, while can be improved the refund experience of driver.
Fig. 2 is the flow diagram of the loan repayment processing method of another online trade platform provided by the invention.This
What is involved is above-mentioned servers for embodiment how according to the history business revenue data of user, determines the loan value of the loan account of user
Degree.As shown in Fig. 2, this method can also include:
S201, the inquiry of historical data request, the inquiry of historical data are sent to the corresponding financial system server of business revenue account
The account information of business revenue account is carried in request.
Specifically, in the present embodiment, server can send history to the corresponding financial system server of business revenue account
Data inquiry request, to obtain the history business revenue data of business revenue account.Wherein, above-mentioned the inquiry of historical data request can carry battalion
The account information (such as name in an account book and account of business revenue account) at receipt on account family.Above-mentioned history business revenue data can be gone through for user default
The history period can also be all history business revenue data of the user in online trade platform in the business revenue data of online trade platform
Deng.Above-mentioned default historical time section can specifically be determined according to the setting of online trade platform.It such as can be the battalion in past 1 year
Receive data etc..
Optionally, in some embodiments, if being stored with the history business revenue data of user in the database of server oneself,
Then above-mentioned server can also obtain the history business revenue data of user by inquiry local data base.
S202, the history business revenue data for receiving the business revenue account that the corresponding financial system server of business revenue account is sent.
Specifically, above-mentioned server is sending the inquiry of historical data request to the corresponding financial system server of business revenue account
Later, the corresponding financial system server of business revenue account can be based on the account information of business revenue account, in the database of oneself
The history business revenue data of user are inquired, and the history business revenue data inquired are sent to server.
S203, the history business revenue data according to business revenue account, determine the loan limit data of loan account.
Specifically, server is receiving going through for the business revenue account of the corresponding financial system server transmission of the business revenue account
After history business revenue data, the loan limit data of loan account can be determined according to the history business revenue data of the business revenue account.
Optionally, above-mentioned server can determine the average battalion of business revenue account according to the history business revenue data of business revenue account
Receive data.Wherein, the average business revenue data of the business revenue account can be the data as unit of the moon, can also be for as unit of year
Data.Then, above-mentioned server can average business revenue data according to user and default business revenue coefficient, determine loan account
Loan limit data.When above-mentioned default business revenue coefficient can be the number greater than 0 and less than or equal to 1, above-mentioned server can be incited somebody to action
The loan limit data of the average business revenue data of user and the product of default business revenue coefficient as user's loan account.When above-mentioned pre-
It anchors a tent and receives coefficient when can be for number greater than 1, above-mentioned server can be by the average business revenue data of user and default business revenue coefficient
Loan limit data of the quotient as user's loan account.
Illustratively, it is assumed that above-mentioned server can determine business revenue account according to the history business revenue data of business revenue account
Average business revenue data are every month 3000.Then above-mentioned server can be according to 3000 (i.e. the average business revenue data of user) and pre-
It anchors a tent and receives coefficient (it is assumed that 0.7), determine that the loan limit data of loan account are 2100.In this way, above-mentioned server can be with base
In this 2100 as every time to the user provide a loan maximum amount, for user make loans.That is, user is in online trade platform
It can at most apply for 2100 loan.
Since user is in the history business revenue data of the business revenue account of online trade platform, it is able to reflect out the refund energy of user
Power.Therefore, by, in the history business revenue data of the business revenue account of online trade platform, determining the loan account of user according to user
Loan limit data mode, it can be ensured that the accuracy of identified loan limit data, so as to reduce loan
Bad credit rate.
Optionally, above-mentioned server can be according to the history business revenue data of business revenue account, will be minimum in history business revenue data
Loan limit data of the data as loan account.Optionally, above-mentioned server can be according to the history business revenue of business revenue account
Data, using maximum data in history business revenue data as the loan limit data of loan account.Optionally, above-mentioned server is also
The loan limit data of loan account can be determined according to the history business revenue data of business revenue account using existing other modes,
This is no longer repeated one by one.
The loan repayment processing method of online trade platform provided by the invention, by according to user in online trade platform
Business revenue account history business revenue data, determine the mode of the loan limit data of the loan account of user, it can be ensured that institute really
The accuracy of fixed loan limit data, so as to reduce the bad credit rate of loan.
Those of ordinary skill in the art will appreciate that: realize that all or part of the steps of above method embodiment can pass through
The relevant hardware of program instruction is completed, and program above-mentioned can be stored in a computer readable storage medium, the program
When being executed, step including the steps of the foregoing method embodiments is executed；And storage medium above-mentioned includes: ROM, RAM, magnetic disk or light
The various media that can store program code such as disk.
Fig. 3 is a kind of structural schematic diagram of the loan repayment processing unit of online trade platform provided by the invention.Such as Fig. 3
Shown, the loan repayment processing unit of the online trade platform can be implemented in combination with service by software, hardware or both
Device it is some or all of.The loan repayment processing unit of the online trade platform may include: determining module 11 and processing mould
Block 12；Wherein,
Determining module 11, for determining user in the refund time cycle of the loan account of online trade platform and user
The online trade platform business revenue of the business revenue account within the refund time cycle to the account time；
Processing module 12, in the business revenue to account time, according to business revenue to account data and the loan account
Data to be refunded, triggering is executed to be operated to the refund of the loan account.
Optionally, above-mentioned processing module 12, specifically for the business revenue to account data be less than it is described wait refund data when,
Using the part of loan account described in the business revenue to account data offset data to be refunded, and using the data to be refunded and institute
The difference for stating business revenue to account data updates the data to be refunded of the loan account；Alternatively, being greater than in the business revenue to account data
Or equal to it is described wait refund data when, the data to be refunded of the loan account are updated to 0.
With continued reference to above-mentioned Fig. 3, optionally, in some embodiments, above-mentioned apparatus can also include:
Sending module 13, for the business revenue to account data be greater than or equal to it is described wait refund data when, to the battalion
The corresponding financial system server in receipt on account family, which is sent, provides request, carries the business revenue account information and institute in the granting request
State business revenue to account data and the data to be refunded difference data so that the corresponding financial system server of the business revenue account
It transfers accounts using the difference data as the amount of money is provided to the business revenue account.
With continued reference to above-mentioned Fig. 3, optionally, in some embodiments, if the business revenue to the account time be the refund when
Between last time business revenue in the period is to the account time and the business revenue to account data is less than the data to be refunded, then above-mentioned dress
Setting to include:
Sending module 13 is used for when the time cycle of refunding expires, to the corresponding financial system service of the refund account
Device sends transfer request, and the account information of the refund account, the account letter of the loan account are carried in the transfer request
Breath and transfer data are gone back so that the corresponding financial system server of the refund account is executed according to the transfer data from described
Money account is operated to the refund of the loan account, wherein transfer data is the data to be refunded and the business revenue to account number
According to difference data.
Optionally, in some embodiments, above-mentioned processing module 12 is also used to client corresponding to the loan account
The refund information of the loan account is pushed, the refund information includes: the updated data to be refunded of the loan account.
With continued reference to above-mentioned Fig. 3, in some embodiments, above-mentioned apparatus can also include:
Sending module 13 is asked for sending the inquiry of historical data to the corresponding financial system server of the business revenue account
It asks, the account information of the business revenue account is carried in the inquiry of historical data request；
Receiving module 14, the business revenue account sent for receiving the corresponding financial system server of the business revenue account
History business revenue data；
The determining module 11 is also used to the history business revenue data according to the business revenue account, determines the loan account
Loan limit data.For example, determining module 11 determines institute specifically for the history business revenue data according to the business revenue account
State the average business revenue data of business revenue account；According to the average business revenue data of the user and default business revenue coefficient, the loan is determined
The loan limit data of money account.
The loan repayment processing unit of online trade platform provided by the invention, can execute above method embodiment,
The realization principle and technical effect are similar, and details are not described herein.
Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present invention., rather than its limitations；To the greatest extent
Pipe present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that: its according to
So be possible to modify the technical solutions described in the foregoing embodiments, or to some or all of the technical features into
Row equivalent replacement；And these are modified or replaceed, various embodiments of the present invention technology that it does not separate the essence of the corresponding technical solution
The range of scheme.
Claims (14)
1. a kind of loan repayment processing method of online trade platform, which is characterized in that the described method includes:
Determine user in the refund time cycle of the loan account of the online trade platform and user in the online transaction
The business revenue account of platform is in the business revenue refunded in the time cycle to account time；
In the business revenue to account time, according to business revenue to account data and the data to be refunded of the loan account, triggering is executed
It is operated to the refund of the loan account.
2. the method according to claim 1, wherein in the business revenue to account time, according to business revenue to account data
And the data to be refunded of the loan account, triggering is executed to be operated to the refund of the loan account, it specifically includes:
If the business revenue is less than the data to be refunded to account data, using account of providing a loan described in the business revenue to account data offset
The part at family data to be refunded, and the loan account is updated using the difference of the data to be refunded and the business revenue to account data
The data to be refunded at family；
Alternatively,
If the business revenue is greater than or equal to the data to be refunded to account data, more by the data to be refunded of the loan account
New is 0.
3. according to the method described in claim 2, it is characterized in that, if the business revenue be greater than or equal to account data it is described to also
Amount of money evidence, the method also includes:
It is sent to the corresponding financial system server of the business revenue account and provides request, carry the business revenue in the granting request
Account information and the business revenue to account data and the data to be refunded difference data so that the corresponding gold of the business revenue account
Melt system server to transfer accounts using the difference data as the amount of money is provided to the business revenue account.
4. according to the method described in claim 2, it is characterized in that, if the business revenue to the account time be the refund time cycle
Interior last time business revenue is to the account time and the business revenue is to account data data to be refunded less than described in, then the method is also wrapped
It includes:
When the time cycle of refunding expires, transfer request is sent to the corresponding financial system server of the refund account, it is described
The account information of the refund account, the account information and transfer data of the loan account are carried in transfer request, so that institute
The corresponding financial system server of refund account is stated to be executed according to the transfer data from the refund account to the loan account
The refund at family operates, wherein transfer data is the difference data of the data to be refunded and the business revenue to account data.
5. according to the method described in claim 2, it is characterized in that, the method also includes:
To the refund information of loan account described in the corresponding client push of the loan account, the refund information includes: institute
State the updated data to be refunded of loan account.
6. method according to claim 1-5, which is characterized in that the method also includes:
The inquiry of historical data request is sent to the corresponding financial system server of the business revenue account, the inquiry of historical data is asked
Seek the middle account information for carrying the business revenue account；
Receive the history business revenue data for the business revenue account that the corresponding financial system server of the business revenue account is sent；
According to the history business revenue data of the business revenue account, the loan limit data of the loan account are determined.
7. according to the method described in claim 6, it is characterized in that, the history business revenue data according to the business revenue account,
Determine the loan limit data of the loan account, comprising:
According to the history business revenue data of the business revenue account, the average business revenue data of the business revenue account are determined；
According to the average business revenue data of the user and default business revenue coefficient, the loan limit data of the loan account are determined.
8. a kind of loan repayment processing unit of online trade platform, which is characterized in that described device includes:
Determining module, for determining that the user exists in the refund time cycle of the loan account of online trade platform and user
The business revenue account of the online trade platform is in the business revenue refunded in the time cycle to account time；
Processing module, in the business revenue to account time, according to business revenue to account data and the loan account wait refund
Data, triggering is executed to be operated to the refund of the loan account.
9. device according to claim 8, which is characterized in that the processing module is specifically used in the business revenue to account
Data be less than it is described wait refund data when, using the part of loan account described in the business revenue to account data offset amount of money to be gone back
According to, and the difference of the data to be refunded described in and the business revenue to account data updates the data to be refunded of the loan account；
Alternatively, the business revenue to account data be greater than or equal to it is described wait refund data when, by the data to be refunded of the loan account
It is updated to 0.
10. device according to claim 9, which is characterized in that described device further include:
Sending module, for the business revenue to account data be greater than or equal to it is described wait refund data when, to the business revenue account
Corresponding financial system server, which is sent, provides request, carries the business revenue account information and the business revenue in the granting request
To the difference data of account data and the data to be refunded, so that the corresponding financial system server of the business revenue account will be described
Difference data are transferred accounts as the amount of money is provided to the business revenue account.
11. device according to claim 9, which is characterized in that if the business revenue is that the refund time is all to the account time
Last time business revenue in phase is to the account time and the business revenue to account data is less than the data to be refunded, then described device is also
Include:
Sending module, for being sent to the corresponding financial system server of the refund account when the time cycle of refunding expires
Transfer request carries the account information of the refund account, the account information of the loan account in the transfer request and turns
Account data, so that the corresponding financial system server of the refund account is executed according to the transfer data from the refund account
It is operated to the refund of the loan account, wherein transfer data is the difference of the data to be refunded and the business revenue to account data
Specified number evidence.
12. device according to claim 9, which is characterized in that the processing module is also used to the loan account pair
The refund information of loan account described in the client push answered, the refund information include: the loan account it is updated to
Refund data.
13. according to the described in any item devices of claim 8-12, which is characterized in that described device further include:
Sending module, it is described for sending the inquiry of historical data request to the corresponding financial system server of the business revenue account
The account information of the business revenue account is carried in the inquiry of historical data request；
Receiving module, for receiving the history for the business revenue account that the corresponding financial system server of the business revenue account is sent
Business revenue data；
The determining module is also used to the history business revenue data according to the business revenue account, determines the loan of the loan account
Quota data.
14. device according to claim 13, which is characterized in that the determining module is specifically used for according to the business revenue
The history business revenue data of account determine the average business revenue data of the business revenue account；According to the average business revenue data of the user
With default business revenue coefficient, the loan limit data of the loan account are determined.
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| WO2023277805A1 (en) * | 2021-06-30 | 2023-01-05 | Gp Network Asia Pte. Ltd. | Repayment server and method for providing payback of a loan |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2023277805A1 (en) * | 2021-06-30 | 2023-01-05 | Gp Network Asia Pte. Ltd. | Repayment server and method for providing payback of a loan |
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