CN109410033A - Determination method, apparatus, computer equipment and the storage medium of interest-free loan amount - Google Patents
Determination method, apparatus, computer equipment and the storage medium of interest-free loan amount Download PDFInfo
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Abstract
The embodiment of the invention discloses determination method, apparatus, computer equipment and the storage medium of a kind of interest-free loan amount, include the following steps: to obtain the loan requests that client is sent, the loan requests include the qualification information and amount to be checked and approved of user；Determine that the user can borrow or lend money amount according to the qualification information；Amount and the amount to be checked and approved can be borrowed or lent money described in comparison, borrow or lend money amount greater than described in when checking and approving amount when described, amount can be borrowed or lent money described in determination as the amount of the interest-free loan.Amount can be borrowed or lent money by being determined by the qualification information of user, when be greater than user request when checking and approving amount, by the higher amount borrowed or lent money amount and be determined as user's interest-free loan of amount, which flexible operation, on the basis of ensuring money collecting, the experience of user can also be improved, while improving payment for goods application rate.
Description
Technical field
The present embodiments relate to financial field, especially a kind of determination method, apparatus of interest-free loan amount, computer
Equipment and storage medium.
Background technique
With economic continuous development, financial class service is more and more convenient.For example, when people provide in real life
When the problem of golden shortage, it can be solved by way of loan.Currently, more and more petty loads free of interest are emerged, by
It makes loans in petty load free of interest fast, convenient more and more welcomed by the people.
Existing petty load free of interest is all made of downpayment free of interest for all users, the mode disposably refunded, due to
The qualification multiplicity of user, and pattern of lending and mode of repayment solidification, cause the experience of user poor.
Summary of the invention
The embodiment of the present invention provide it is a kind of according to user or sell people ease of Use can insure to client push
Product simultaneously carries out highlighted method to the main points in insurance products.
In order to solve the above technical problems, the technical solution that the embodiment of the invention uses is: providing a kind of nothing
The determination method for ceasing loan limit, includes the following steps:
The loan requests that client is sent are obtained, the loan requests include the qualification information and amount to be checked and approved of user；
Determine that the user can borrow or lend money amount according to the qualification information；
Amount and the amount to be checked and approved can be borrowed or lent money described in comparison, when the amount of borrowing or lending money is greater than the amount to be checked and approved
When, determine described in can borrow or lend money amount be the interest-free loan amount.
It is further, described to determine that the user borrow or lend money amount according to the qualification information, comprising:
According to the credit scoring of the qualification acquisition of information user；
The loan limit that there are mapping relations with the credit scoring is searched in preset credit line list；
The loan limit is determined as lendable loan limit.
Further, the qualification information includes: the personal information of user, loan repayment capacity information and reference information；It is described
According to the credit scoring of the qualification acquisition of information user, comprising:
The personal information, loan repayment capacity information and reference information are converted to individual according to preset transformation rule to comment
Divide, loan repayment capacity scoring and reference are scored；
By the personal scoring, loan repayment capacity scoring and reference scoring respectively with preset first weight, the second weight and
Third multiplied by weight and by the product addition after multiplication, obtains the credit scoring of the user.
Further, it is described determine that the user can borrow or lend money amount according to the qualification information after, further includes:
When it is described borrow or lend money amount be greater than or equal to it is described when checking and approving amount, according to the amount to be checked and approved from preset
The financial product that amount is greater than or equal to the amount to be checked and approved can be borrowed or lent money by searching in financial product database；
The information of the financial product is sent to the client.
Further, after amount can be borrowed or lent money described in the determination as the amount of the interest-free loan, further includes:
Obtain the information for the mode of repayment that client is sent；
When the mode of repayment is disposable refunds, searched and the credit scoring in preset credit period list
Payback period with mapping relations；
Using the payback period as the payback period of the interest-free loan.
Further, when the mode of repayment is installment reimbursement, the mode of repayment information includes: refund number；It is described
After the information for obtaining user's mode of repayment that client is sent, further includes:
Obtain the information of amount to be refunded；
According to preset installment reimbursement method calculate according to the refund number pay off it is described wait refund amount when each issue
Repayment amount；
The information of the repayment amount is sent to the client.
Further, it is described determine that the user can borrow or lend money amount according to the qualification information after, further includes:
Amount is borrowed or lent money less than or equal to described when checking and approving amount when described, and it is the nothing that amount can be borrowed or lent money described in determination
Cease the amount of loan.
In order to solve the above technical problems, the technical solution that the embodiment of the invention uses is: providing a kind of nothing
The determining device of loan limit is ceased, including
Module is obtained, for obtaining the loan requests of client transmission, the loan requests include the qualification information of user
With amount to be checked and approved；
Processing module, for determining that the user can borrow or lend money amount according to the qualification information；
Execution module, for compare it is described can borrow or lend money amount and the amount to be checked and approved, borrow or lend money the big institute of amount when described
It states when checking and approving amount, the amount that amount is the interest-free loan can be borrowed or lent money described in determination.
Further, the processing module includes:
First acquisition submodule, for the credit scoring according to the qualification acquisition of information user；
First searching module has mapping relations with the credit scoring for searching in preset credit line list
Loan limit；
First implementation sub-module, for the loan limit to be determined as lendable loan limit.
Further, the qualification information includes: the personal information of user, loan repayment capacity information and reference information；It is described
Processing module includes:
Conversion module is used for the personal information, loan repayment capacity information and reference information according to preset transformation rule
Be converted to personal scoring, loan repayment capacity scoring and reference scoring；
First computing module, for by the personal scoring, loan repayment capacity scoring and reference scoring respectively with preset the
One weight, the second weight and third multiplied by weight and by the product addition after being multiplied, obtain the credit scoring of the user.
Further, further includes:
Second searching module, for borrowing or lending money amount more than or equal to described when checking and approving amount, according to described when described
Amount to be checked and approved is searched from preset financial product database can borrow or lend money the gold that amount is greater than or equal to the amount to be checked and approved
Melt product；
First sending module, for the information of the financial product to be sent to the client.
Further, further includes:
Second acquisition submodule, the information of the mode of repayment for obtaining client transmission；
Third searches submodule, is used for when the mode of repayment is disposable refunds, in preset credit period list
Middle lookup has the payback period of mapping relations with the credit scoring；
Second implementation sub-module, for using the payback period as the payback period of the interest-free loan.
Further, when the mode of repayment is installment reimbursement, the mode of repayment information includes: refund number；Also wrap
It includes:
Third acquisition submodule, for obtaining the information of amount to be refunded；
Second computing module, for according to preset installment reimbursement method calculate according to the refund number pay off it is described to
Each issue of repayment amount when refund amount；
Second sending module, for the information of the repayment amount to be sent to the client.
Further, further includes:
Determining module, for when it is described borrow or lend money amount be less than or equal to it is described when checking and approving amount, determine described in can borrow
Borrow the amount that amount is the interest-free loan.
In order to solve the above technical problems, the embodiment of the present invention also provides a kind of computer equipment, including memory and processing
Device is stored with computer-readable instruction in the memory, when the computer-readable instruction is executed by the processor, so that
The processor executes the step of determination method of interest-free loan amount described above.
In order to solve the above technical problems, the embodiment of the present invention also provides a kind of storage Jie for being stored with computer-readable instruction
Matter, when the computer-readable instruction is executed by one or more processors, so that one or more processors execute above-mentioned institute
The step of stating the determination method of interest-free loan amount.
The beneficial effect of the embodiment of the present invention is: amount can be borrowed or lent money by being determined by the qualification information of user, be used when being greater than
Family request when checking and approving amount, by the higher amount borrowed or lent money amount and be determined as user's interest-free loan of amount, which behaviour
Make flexibly, on the basis of ensuring money collecting, the experience of user can also be improved, while improving payment for goods application rate.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment
Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for
For those skilled in the art, without creative efforts, it can also be obtained according to these attached drawings other attached
Figure.
Fig. 1 is the basic procedure schematic diagram of the determination method of interest-free loan of embodiment of the present invention amount；
Fig. 2 is the basic procedure schematic diagram for the determination method that one kind provided in an embodiment of the present invention can borrow or lend money amount；
Fig. 3 is a kind of basic procedure schematic diagram of the calculation method of credit scoring provided in an embodiment of the present invention；
Fig. 4 is that a kind of basic procedure of choosing method of financial product provided in an embodiment of the present invention is intended to；
Fig. 5 is the basic procedure schematic diagram of the determination method of interest-free loan payback period provided in an embodiment of the present invention；
Fig. 6 is the basic procedure signal of the determination method of another interest-free loan payback period provided in an embodiment of the present invention
Figure；
Fig. 7 is the determining device basic structure block diagram of interest-free loan of embodiment of the present invention amount；
Fig. 8 is computer equipment of embodiment of the present invention basic structure block diagram.
Specific embodiment
In order to enable those skilled in the art to better understand the solution of the present invention, below in conjunction in the embodiment of the present invention
Attached drawing, technical scheme in the embodiment of the invention is clearly and completely described.
In some processes of the description in description and claims of this specification and above-mentioned attached drawing, contain according to
Multiple operations that particular order occurs, but it should be clearly understood that these operations can not be what appears in this article suitable according to its
Sequence is executed or is executed parallel, and serial number of operation such as 101,102 etc. is only used for distinguishing each different operation, serial number
It itself does not represent and any executes sequence.In addition, these processes may include more or fewer operations, and these operations can
To execute or execute parallel in order.It should be noted that the description such as " first " herein, " second ", is for distinguishing not
Same message, equipment, module etc., does not represent sequencing, does not also limit " first " and " second " and be different type.
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, those skilled in the art's every other implementation obtained without creative efforts
Example, shall fall within the protection scope of the present invention.
Embodiment
Those skilled in the art of the present technique are appreciated that " terminal " used herein above, " terminal device " both include wireless communication
The equipment of number receiver, only has the equipment of the wireless signal receiver of non-emissive ability, and including receiving and emitting hardware
Equipment, have on bidirectional communication link, can execute two-way communication reception and emit hardware equipment.This equipment
It may include: honeycomb or other communication equipments, shown with single line display or multi-line display or without multi-line
The honeycomb of device or other communication equipments；PCS (Personal Communications Service, PCS Personal Communications System), can
With combine voice, data processing, fax and/or communication ability；PDA (Personal Digital Assistant, it is personal
Digital assistants), it may include radio frequency receiver, pager, the Internet/intranet access, web browser, notepad, day
It goes through and/or GPS (Global Positioning System, global positioning system) receiver；Conventional laptop and/or palm
Type computer or other equipment, have and/or the conventional laptop including radio frequency receiver and/or palmtop computer or its
His equipment." terminal " used herein above, " terminal device " can be it is portable, can transport, be mounted on the vehicles (aviation,
Sea-freight and/or land) in, or be suitable for and/or be configured in local runtime, and/or with distribution form, operate in the earth
And/or any other position operation in space." terminal " used herein above, " terminal device " can also be communication terminal, on
Network termination, music/video playback terminal, such as can be PDA, MID (Mobile Internet Device, mobile Internet
Equipment) and/or mobile phone with music/video playing function, it is also possible to the equipment such as smart television, set-top box.
Client terminal in present embodiment is above-mentioned terminal.
Specifically, referring to Fig. 1, Fig. 1 is the basic procedure schematic diagram of the determination method of the present embodiment interest-free loan amount.
As shown in Figure 1, the determination method of interest-free loan amount includes the following steps:
S1100, the loan requests that client is sent are obtained；
Loan requests are used to indicate to the requests such as company, petty load platform free of interest, the bank for carrying out financial business debt-credit
Payment for goods free of interest, qualification information and amount to be checked and approved including user, wherein the qualification information of user includes the personal letter of user
Breath, loan repayment capacity information and reference information.Wherein, personal information includes name, age, address, work unit of user etc., is gone back
Money ability information includes the monthly income of user, expenditure etc., and reference information is user's history loan documentation, the information such as record of refunding.
Amount to be checked and approved is the amount for the payment for goods free of interest that user needs to borrow or lend money.
Under normal conditions, user logs in financing corporation, petty load platform free of interest, the website of bank and at this by terminal
Personal account information is registered in website, and sends loan requests by client, wherein user inputs when registering personal account
Personal information, loan repayment capacity information and reference information, in this way, server can be simultaneously when receiving the loan requests that client is sent
Obtain above- mentioned information.
In practical applications, for the more comprehensive qualification information for obtaining user, server can be according to user's registration
The personal information inputted when account obtains reference information, the consuming capacity of user and the loan repayment capacity of user in third-party platform
Information.
S1200, determine that user can borrow or lend money amount according to qualification information；
Qualification information is the information for evaluating user's loan repayment capacity and refund credit.Under normal conditions, the refund of user
Ability is stronger and refund credit is higher, then it is assumed that the probability that debt-credit is steam again to the fund of user is higher, and such user is high-quality use
Family can borrow or lend money the higher fund of amount, conversely, the loan repayment capacity of user is weak and refund credit is low, then it is assumed that debt-credit is to user
Fund steam again probability it is lower, borrow or lend money to such user the amount of money it is then fewer.The preset appraisal procedure of server by utilizing according to
The qualification information calculating of user can borrow or lend money amount.
S1300, comparison can borrow or lend money amount and amount to be checked and approved, and be greater than when checking and approving amount when that can borrow or lend money amount, determination can
Borrow or lend money the amount that amount is interest-free loan.
Server borrows or lends money calculated amount and user the amount of debt-credit is requested to be compared, big when that can borrow or lend money amount
In when checking and approving amount, i.e. the qualification of user is higher, and when can borrow or lend money amount greater than the amount that user itself requests, server is determined
It is higher to borrow or lend money the amount that amount is user's payment for goods free of interest.For example, the amount to be checked and approved of user's request is 100,000 yuan, clothes
Business device is 200,000 yuan according to the amount of borrowing or lending money of the qualification information evaluation of user, at this point, determining the volume that 200,000 yuan are payment for goods free of interest
Degree.
It optionally, include the qualification information of user in loan requests.The qualification information of server by utilizing user directly determines
The amount of the lendable payment for goods free of interest of the user, the enthusiasm that can effectively stimulate user to provide a loan improve interest-free loan rate.
Optionally, one embodiment of the present of invention is less than or equal to when checking and approving amount when that can borrow or lend money amount, and determination can borrow
Borrow the amount that amount is interest-free loan.
In above embodiment, amount can be borrowed or lent money by being determined by the qualification information of user, when be greater than user request to
When checking and approving amount, by the higher amount borrowed or lent money amount and be determined as user's interest-free loan of amount, which flexible operation, true
It protects on the basis of money collecting, the experience of user can also be improved, while improving payment for goods application rate.
One embodiment of the present of invention, referring to Fig. 2, Fig. 2 is that one kind provided in an embodiment of the present invention can borrow or lend money amount
Determine the basic procedure schematic diagram of method.
As shown in Fig. 2, step S1200 includes:
S1210, according to the credit scoring of qualification acquisition of information user；
Qualification information includes: the personal information of user, loan repayment capacity information and reference information.Credit scoring is to indicate user
The comprehensive score of loan repayment capacity and refund credit.In order to accurately assess the loan repayment capacity and refund credit of each user, this hair
Bright embodiment provides the calculation method of credit scoring.Referring to Fig. 3, Fig. 3 is a kind of credit scoring provided in an embodiment of the present invention
Calculation method basic procedure schematic diagram.
As shown in figure 3, step S1210 includes:
S1211, it personal information, loan repayment capacity information and reference information is converted into individual according to preset transformation rule comments
Divide, loan repayment capacity scoring and reference are scored；
One embodiment of the present of invention, personal information includes name, the age, personal educational background, wed no, work unit etc..This
In inventive embodiments in personal information per first information is by corresponding score, in the specific implementation process, believe according to individual
The corresponding score value of breath is converted to personal scoring.
For example, score value corresponding to the age 20~25 is 2 points, 26~30 corresponding score values are 3 points, 31~35 corresponding points
Value is 4 points.The corresponding score value of post-secondary education is 2 points, and the corresponding score value of undergraduate course educational background is 4 points, the corresponding score value of postgraduate's educational background
It is 6 points.Respectively will be every in personal information, the corresponding score value of information is added the personal scoring for obtaining user.
Assume that personal scoring is P1；
P1=X1+X2+X3+ ... Xn (n is natural number)
Wherein, Xn is the corresponding score value of information each in personal information.
Another embodiment of the invention, loan repayment capacity information include: a month net income, real estate information, movable property information etc.,
Corresponding score value similarly is searched according to preset loan repayment capacity information table, addition obtains loan repayment capacity scoring P2.
Yet another embodiment of the present invention, reference information include: history refund record information, credit card repayment information, together
Reason, which has according to no debt without the record that exceeds the time limit, without debt, the corresponding score value such as exceeds the time limit to record (according to duration subdivision of exceeding the time limit), has debt
It is added, obtains reference scoring P3.
S1212, by individual scoring, loan repayment capacity scoring and reference scoring respectively with preset first weight, the second weight
With third multiplied by weight and by the product addition after being multiplied, the credit scoring of user is obtained.
One embodiment of the present of invention, the credit scoring of user are P, then
P=P1* η 1+P2* η 2+P3* η 3,
Wherein, η 1 is the weight of personal scoring, and η 2 is the weight of loan repayment capacity scoring, and η 3 is the weight of reference scoring,
Middle η 1+ η 2+ η 3=1, each weighted value can be in the light of actual conditions configured.
S1220, the loan limit that there are mapping relations with credit scoring is searched in preset credit line list；
Credit line list is to record the list of the mapping relations of credit scoring and interest-free loan amount.As shown in the table,
Following table is credit line list provided in an embodiment of the present invention, and the information in credit line list shown in table 1 is only to illustrate
Property.
Table 1
| Credit scoring | Loan limit |
| 5 | 100000 |
| 6 | 150000 |
| 7 | 200000 |
S1230, loan limit is determined as lendable loan limit.
In the present embodiment, server is using the loan limit found from credit line list as lendable loan value
Degree.
In practical applications, when wait check and approve amount be less than can borrow or lend money amount when, i.e., server is according to the qualification information of user
When determining loan limit requests the amount of debt-credit lower than user, in order to meet the needs of user borrows or lends money amount, the present invention is implemented
Example provides a kind of choosing method of financial product, referring to Fig. 4, Fig. 4 is a kind of financial product provided in an embodiment of the present invention
The basic procedure of choosing method is intended to.
As described in Figure 4, include: after step S1300
S1311, when can borrow or lend money amount be greater than or equal to when checking and approving amount, according to amount to be checked and approved from it is preset finance produce
The financial product that amount is greater than or equal to amount to be checked and approved can be borrowed or lent money by searching in product database；
Financial product database includes the financial product of a variety of loan classes, such as other types of petty load free of interest, has
Breath loan etc..
In the present embodiment, it is greater than when checking and approving amount when amount can be borrowed or lent money, determination can borrow or lend money the volume that amount is interest-free loan
Degree, i.e., user cannot borrow required amount, at this point, the qualification information that server inquires user in financial product database can
With the financial product more than or equal to amount to be checked and approved borrowed or lent money, it can be so supplied to the selection of user's others, improved
User experience.
S1312, the information of financial product is sent to client.
In practical applications, the link of financial product is sent to client so that user selects by server.
After the amount of interest-free loan has been determined, the payback period of interest-free loan should be also determined.The embodiment of the present invention provides
A kind of method of interest-free loan payback period, referring to Fig. 5, Fig. 5 is the interest-free loan payback period provided in an embodiment of the present invention
Determination method basic procedure schematic diagram.
As shown in figure 5, after step S1300 further include:
S1321, the information for obtaining the mode of repayment that client is sent；
Mode of repayment can be disposable refund and installment reimbursement.It include that user applies in the loan requests that client is sent
Mode of repayment information.
S1322, when mode of repayment is disposable refunds, search in preset credit period list and have with credit scoring
There is the payback period of mapping relations；
When for disposable refund, server searches the payback period from credit period list, within the payback period also
Money is refund free of interest.
S1323, using the payback period as the payback period of interest-free loan.
The embodiment of the present invention provides the method for interest-free loan payback period a kind of, when mode of repayment is installment reimbursement, refund
Mode information includes: refund number.Referring to Fig. 6, Fig. 6 is another interest-free loan payback period provided in an embodiment of the present invention
Determination method basic procedure schematic diagram.
As shown in fig. 6, after step S1321 further include:
S1324, the information for obtaining amount to be refunded；
It should be noted that the acquisition of mode of repayment information can obtain loan requests in obtain, can also according to
The wish at family obtains during refund, in the present embodiment, be subject to last time obtain mode of repayment information.
In practical applications, it is possible that user has applied for one-off, but is selected again during refund
Serial situation, therefore, server inquire the user and wait refunding after the mode of repayment information for receiving client transmission
The information of amount.
S1325, according to preset installment reimbursement method calculate according to refund number pay off wait refund amount when each issue also
The money amount of money；
Installment reimbursement method is used to calculate the total value for the principal and interest refunded every time.In the present embodiment, server by utilizing
Refund number and preset refund number interval time calculate the total duration paid off under the refund number, and choose according to total duration
Installment reimbursement method.Correspondingly, when installment reimbursement method there are many being prestored in server, every kind of method and total each refund
It is long to correspond to.
One embodiment of the present of invention, the gap periods refunded each time are one month, can be calculated also according to refund number
Money total duration is calculated according to the length of time exceeded according to installment reimbursement method when total duration exceeds refund duration free of interest
Principal and interest.
S1326, the information of repayment amount is sent to client.
Repayment amount information be include the time limit refunded every time, repayment amount (principal and interest).In the present embodiment, in order to
So that user is refunded in time, sends refund prompting message in the time limit day.In the present embodiment, payback period free of interest freely, flexibly, can be with
When according to user actual conditions change mode of repayment, so as to improve user debt-credit experience, improve debt-credit rate.
The embodiment of the present invention also provides a kind of determining device of interest-free loan amount to solve above-mentioned technical problem.Specifically ask
It is the determining device basic structure block diagram of interest-free loan of embodiment of the present invention amount refering to Fig. 7, Fig. 7.
As shown in fig. 7, a kind of determining device of interest-free loan amount, comprising: obtain module 2100,2200 and of processing module
Execution module 2300.Wherein, module is obtained, for obtaining the loan requests of client transmission, the loan requests include user
Qualification information and amount to be checked and approved；Processing module, for determining that the user can borrow or lend money amount according to the qualification information；It holds
Row module, for compare it is described can borrow or lend money amount and the amount to be checked and approved, when it is described borrow or lend money amount it is big described in volume to be checked and approved
When spending, the amount that amount is the interest-free loan can be borrowed or lent money described in determination.
The determining device of interest-free loan amount is determined by the qualification information of user can borrow or lend money amount, ask when greater than user
Ask when checking and approving amount, by the higher amount borrowed or lent money amount and be determined as user's interest-free loan of amount, which operation spirit
It is living, on the basis of ensuring money collecting, the experience of user can also be improved, while improving payment for goods application rate.
In some embodiments, in the determining device of interest-free loan amount, the processing module includes: the first acquisition
Module, for the credit scoring according to the qualification acquisition of information user；First searching module, in preset credit line
The loan limit that there are mapping relations with the credit scoring is searched in list；First implementation sub-module is used for the loan
Amount is determined as lendable loan limit.
In some embodiments, qualification information described in the determining device of interest-free loan amount includes: the individual of user
Information, loan repayment capacity information and reference information；The processing module includes: conversion module, is used for the personal information, refund
Ability information and reference information are converted to personal scoring, loan repayment capacity scoring and reference according to preset transformation rule and score；The
One computing module, for by the personal scoring, loan repayment capacity scoring and reference scoring respectively with preset first weight, second
Weight obtains the credit scoring of the user with third multiplied by weight and by the product addition after being multiplied.
In some embodiments, the determining device of interest-free loan amount further include: the second searching module, for when described
Can borrow or lend money amount be greater than or equal to it is described when checking and approving amount, according to the amount to be checked and approved from preset financial product database
Middle lookup can borrow or lend money the financial product that amount is greater than or equal to the amount to be checked and approved；First sending module is used for the gold
The information for melting product is sent to the client.
In some embodiments, the determining device of interest-free loan amount further include: the second acquisition submodule, for obtaining
The information for the mode of repayment that client is sent；Third searches submodule, for being disposably to refund when the mode of repayment, pre-
If credit period list in search with the credit scoring have mapping relations payback period；Second implementation sub-module is used
In using the payback period as the payback period of the interest-free loan.
In some embodiments, in the determining device of interest-free loan amount, when the mode of repayment is installment reimbursement, institute
Stating mode of repayment information includes: refund number；Further include: third acquisition submodule, for obtaining the information of amount to be refunded；The
Two computing modules, for according to preset installment reimbursement method calculate according to the refund number pay off it is described wait refund amount when
Each issue of repayment amount；Second sending module, for the information of the repayment amount to be sent to the client.
In some embodiments, the determining device of interest-free loan amount further include: determining module, for that can be borrowed when described
Borrow amount be less than or equal to it is described when checking and approving amount, determine described in can borrow or lend money the amount that amount is the interest-free loan.
In order to solve the above technical problems, the embodiment of the present invention also provides computer equipment.It is this referring specifically to Fig. 8, Fig. 8
Embodiment computer equipment basic structure block diagram.
As shown in figure 8, the schematic diagram of internal structure of computer equipment.As shown in figure 8, the computer equipment includes passing through to be
Processor, non-volatile memory medium, memory and the network interface of bus of uniting connection.Wherein, the computer equipment is non-easy
The property lost storage medium is stored with operating system, database and computer-readable instruction, can be stored with control information sequence in database
Column, when which is executed by processor, may make processor to realize a kind of determination method of interest-free loan amount.
The processor of the computer equipment supports the operation of entire computer equipment for providing calculating and control ability.The computer
It can be stored with computer-readable instruction in the memory of equipment, when which is executed by processor, may make place
Reason device executes a kind of determination method of interest-free loan amount.The network interface of the computer equipment is used for and terminal connection communication.
It will be understood by those skilled in the art that structure shown in Fig. 8, the only frame of part-structure relevant to application scheme
Figure, does not constitute the restriction for the computer equipment being applied thereon to application scheme, specific computer equipment can wrap
It includes than more or fewer components as shown in the figure, perhaps combines certain components or with different component layouts.
Processor obtains module 2100, processing module 2200 and execution module for executing in present embodiment in Fig. 7
2300 particular content, program code and Various types of data needed for memory is stored with the above-mentioned module of execution.Network interface is used for
To the data transmission between user terminal or server.Memory in present embodiment is stored with the determination of interest-free loan amount
Program code needed for executing all submodules in method and data, server are capable of the program code and data of invoking server
Execute the function of all submodules.
Computer equipment is determined by the qualification information of user can borrow or lend money amount, when the volume to be checked and approved for being greater than user's request
When spending, by the higher amount borrowed or lent money amount and be determined as user's interest-free loan of amount, which flexible operation is ensuring fund
On the basis of the withdrawal of currency from circulation, the experience of user can also be improved, while improving payment for goods application rate.
The present invention also provides a kind of storage mediums for being stored with computer-readable instruction, and the computer-readable instruction is by one
When a or multiple processors execute, so that one or more processors execute interest-free loan amount described in any of the above-described embodiment
The step of determining method.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, which can be stored in a computer-readable storage and be situated between
In matter, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, storage medium above-mentioned can be
The non-volatile memory mediums such as magnetic disk, CD, read-only memory (Read-Only Memory, ROM) or random storage note
Recall body (Random Access Memory, RAM) etc..
It should be understood that although each step in the flow chart of attached drawing is successively shown according to the instruction of arrow,
These steps are not that the inevitable sequence according to arrow instruction successively executes.Unless expressly stating otherwise herein, these steps
Execution there is no stringent sequences to limit, can execute in the other order.Moreover, at least one in the flow chart of attached drawing
Part steps may include that perhaps these sub-steps of multiple stages or stage are not necessarily in synchronization to multiple sub-steps
Completion is executed, but can be executed at different times, execution sequence, which is also not necessarily, successively to be carried out, but can be with other
At least part of the sub-step or stage of step or other steps executes in turn or alternately.
The above is only some embodiments of the invention, it is noted that for the ordinary skill people of the art
For member, various improvements and modifications may be made without departing from the principle of the present invention, these improvements and modifications are also answered
It is considered as protection scope of the present invention.
Claims (10)
1. a kind of determination method of interest-free loan amount characterized by comprising
The loan requests that client is sent are obtained, the loan requests include the qualification information and amount to be checked and approved of user；
Determine that the user can borrow or lend money amount according to the qualification information；
Amount and the amount to be checked and approved can be borrowed or lent money described in comparison, borrow or lend money amount greater than described when checking and approving amount when described,
The amount that amount is the interest-free loan can be borrowed or lent money described in determination.
2. the determination method of interest-free loan amount according to claim 1, which is characterized in that described to be believed according to the qualification
Breath determines that the user can borrow or lend money amount, comprising:
According to the credit scoring of the qualification acquisition of information user；
The loan limit that there are mapping relations with the credit scoring is searched in preset credit line list；
The loan limit is determined as lendable loan limit.
3. the determination method of interest-free loan amount according to claim 2, which is characterized in that the qualification information includes:
Personal information, loan repayment capacity information and the reference information of user；The credit scoring according to the qualification acquisition of information user,
Include:
The personal information, loan repayment capacity information and reference information are converted into personal scoring according to preset transformation rule, gone back
The scoring of money ability and reference scoring；
By the personal scoring, loan repayment capacity scoring and reference scoring respectively with preset first weight, the second weight and third
Multiplied by weight and by the product addition after multiplication, obtains the credit scoring of the user.
4. the determination method of interest-free loan amount according to claim 1, which is characterized in that described to be believed according to the qualification
After breath determines that the user can borrow or lend money amount, further includes:
When it is described borrow or lend money amount be greater than or equal to it is described when checking and approving amount, according to the amount to be checked and approved from preset finance
The financial product that amount is greater than or equal to the amount to be checked and approved can be borrowed or lent money by searching in product database；
The information of the financial product is sent to the client.
5. the determination method of interest-free loan amount according to claim 2, which is characterized in that can be borrowed or lent money described in the determination
After amount is the amount of the interest-free loan, further includes:
Obtain the information for the mode of repayment that client is sent；
When the mode of repayment is disposable refunds, searching in preset credit period list has with the credit scoring
The payback period of mapping relations；
Using the payback period as the payback period of the interest-free loan.
6. the determination method of interest-free loan amount according to claim 5, which is characterized in that when the mode of repayment is point
Phase refunds, and the mode of repayment information includes: refund number；It is described obtain client send user's mode of repayment information it
Afterwards, further includes:
Obtain the information of amount to be refunded；
According to preset installment reimbursement method calculate according to the refund number pay off it is described wait refund amount when each issue of refund
The amount of money；
The information of the repayment amount is sent to the client.
7. the determination method of interest-free loan amount according to claim 1, which is characterized in that described to be believed according to the qualification
After breath determines that the user can borrow or lend money amount, further includes:
Amount is borrowed or lent money less than or equal to described when checking and approving amount when described, and it is the loan free of interest that amount can be borrowed or lent money described in determination
The amount of money.
8. a kind of determining device of interest-free loan amount characterized by comprising
Obtain module, for obtain client transmission loan requests, the loan requests include user qualification information and to
Check and approve amount；
Processing module, for determining that the user can borrow or lend money amount according to the qualification information；
Execution module, for compare it is described can borrow or lend money amount and the amount to be checked and approved, when it is described borrow or lend money amount it is big described in
When checking and approving amount, the amount that amount is the interest-free loan can be borrowed or lent money described in determination.
9. a kind of computer equipment, including memory and processor, it is stored with computer-readable instruction in the memory, it is described
When computer-readable instruction is executed by the processor, so that the processor executes such as any one of claims 1 to 7 right
It is required that the step of determination method of the interest-free loan amount.
10. a kind of storage medium for being stored with computer-readable instruction, the computer-readable instruction is handled by one or more
When device executes, so that one or more processors execute the interest-free loan volume as described in any one of claims 1 to 7 claim
The step of determination method of degree.
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| CN201811137549.XA CN109410033A (en) | 2018-09-28 | 2018-09-28 | Determination method, apparatus, computer equipment and the storage medium of interest-free loan amount |
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| CN201811137549.XA CN109410033A (en) | 2018-09-28 | 2018-09-28 | Determination method, apparatus, computer equipment and the storage medium of interest-free loan amount |
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| CN115829730A (en) * | 2023-02-17 | 2023-03-21 | 江西汉辰信息技术股份有限公司 | Financial institution unified quota management method and system |
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