CN109472580A - A kind of repaying expense charging method and device - Google Patents
A kind of repaying expense charging method and device Download PDFInfo
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- CN109472580A CN109472580A CN201811283413.XA CN201811283413A CN109472580A CN 109472580 A CN109472580 A CN 109472580A CN 201811283413 A CN201811283413 A CN 201811283413A CN 109472580 A CN109472580 A CN 109472580A
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- 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
- G06Q20/14—Payment architectures specially adapted for billing systems
- G06Q20/145—Payments according to the detected use or quantity
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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Abstract
The application provides a kind of repaying expense charging method and device, and method includes: to obtain loan product identification information；The cost information custom tabular to match with the identification information is transferred, includes preset configuration parameter in the cost information custom tabular；The every configuration parameter for including in the cost information custom tabular is configured according to user operation instruction；After the every configuration parameter configuration for including in the cost information custom tabular is completed, judge whether the life cycle of the cost information custom tabular starts, if started, refund expense is calculated according to the every configuration parameter configuration for including in the cost information custom tabular, and knot expense processing is carried out according to the refund expense being calculated and the mode of deducting fees, realize the flexible configuration of the charging regulation of cost information custom tabular.
Description
Technical field
The present invention relates to technical field of data processing, and in particular to a kind of repaying expense charging method and device.
Background technique
Because the country is stringent for loan charge limitation, domestic banking system does not have to provide and related charge of providing a loan substantially
Function.Overseas loan is in contrast more market-oriented, the business department of offshore loan can according to market situation, fund come
The factor designs such as source, the strategy of current row and risk partiality various loan charging items relevant to each loan product, charging method,
Billing frequency, toll condition, charge time point etc..According to internal rating situation, funds source, the Yi Jitong of loan when offering loans
The agreed every charging clause of client.After toll condition is triggered, bank can be according to the actual situation to the expense of relevant contract
Increased or is reduced or remitted.And standard also same country origin, local market, industry, Reserve Fund rate, the customers' credit, fund of expense customization
The many factors such as source, management cost are related.
In the prior art, charge mode when offshore loan generallys use T+P charging mode and carries out charging to loan transaction,
The function of bank charge is only supported to customize by product and transaction dimension in T+P charging mode, and expense formulation mode is single, can not
Meets the needs of business.
Summary of the invention
In view of this, the embodiment of the present invention provides a kind of repaying expense message accounting method and repaying expense charging dress
Set, by solve the problems, such as in the prior art loan cost formulate in a manner of it is single.
To achieve the above object, the embodiment of the present invention provides the following technical solutions:
A kind of repaying expense charging method, comprising:
Obtain loan product identification information；
The cost information custom tabular to match with the identification information is transferred, includes in the cost information custom tabular
Have preset configuration parameter, the configuration parameter includes at least: charge section, knot expense frequency, billing parameter, is divided cumulative frequency
Layer information, expense generating mode and mode of deducting fees；
The every configuration parameter for including in the cost information custom tabular is configured according to user operation instruction；
After the every configuration parameter configuration for including in the cost information custom tabular is completed, the expense letter is judged
Whether the life cycle of breath custom tabular starts, if started, matches according to the items for including in the cost information custom tabular
It sets parameter configuration and calculates refund expense, and carry out knot expense processing according to the refund expense being calculated and the mode of deducting fees.
Preferably, in above-mentioned repaying expense charging method, when the items for including in the cost information custom tabular are matched
After setting parameter configuration completion, before the life cycle of the cost information custom tabular starts, further includes:
Judge whether to get tentative calculation instruction, if so, matching according to the items for including in the cost information custom tabular
It sets parameter configuration and calculates refund expense, and show calculated result to user.
Preferably, described to configure the cost information according to user operation instruction in above-mentioned repaying expense charging method
The every configuration parameter for including in custom tabular, comprising:
User is got described in judging whether to refer to the adjusting for the configuration parameter for including in the cost information custom tabular
It enables, if so, adjusting the size of the configuration parameter according to user's regulating command, otherwise, the configuration parameter is configured to write from memory
Recognize value.
Preferably, in above-mentioned repaying expense charging method, it is fixed to transfer the cost information to match with the identification information
After list processed, further includes:
Obtain the attribute information of money-lender；
The target default value of every configuration parameter in the cost information custom tabular to match with the attribute information is obtained,
Every configuration parameter in the cost information custom tabular is configured according to the target default value.
A kind of repaying expense message accounting, comprising:
Product information acquisition unit, for obtaining loan product identification information；
Custom tabular transfers unit, described for transferring the cost information custom tabular to match with the identification information
It include preset configuration parameter in cost information custom tabular, the configuration parameter includes at least: charge section, accumulative frequency
Rate, knot expense frequency, billing parameter, hierarchical information, expense generating mode and mode of deducting fees；
Parameter adjustment unit, for configuring the items for including in the cost information custom tabular according to user operation instruction
Configuration parameter；
Charging Detail Record unit, after working as the every configuration parameter for including in cost information custom tabular configuration completion,
Judge whether the life cycle of the cost information custom tabular starts, if started, according to the cost information custom tabular
In include the configuration of every configuration parameter calculate refund expense, and carried out according to the refund expense that is calculated and the mode of deducting fees
Knot takes processing.
Preferably, in above-mentioned repaying expense message accounting, further includes:
Tentative calculation unit gets tentative calculation instruction for judging whether, if so, according in the cost information custom tabular
The every configuration parameter configuration for including calculates refund expense, and shows calculated result to user.
Preferably, in above-mentioned repaying expense message accounting, the Charging Detail Record unit is configuring institute according to user operation instruction
When stating the every configuration parameter for including in cost information custom tabular, it is specifically used for:
User is got described in judging whether to refer to the adjusting for the configuration parameter for including in the cost information custom tabular
It enables, if so, adjusting the size of the configuration parameter according to user's regulating command, otherwise, the configuration parameter is configured to write from memory
Recognize value.
Preferably, in above-mentioned repaying expense message accounting, further includes:
Cost information custom tabular configuration unit, for obtaining the attribute information of money-lender；It obtains and the attribute information
The target default value of every configuration parameter in the cost information custom tabular to match, according to described in target default value configuration
Every configuration parameter in cost information custom tabular.
Based on the above-mentioned technical proposal, above scheme provided in an embodiment of the present invention, the letter of the expense needed for getting user
Cease custom tabular after, can according to the demand of user and staff to the configuration parameter in the cost information custom tabular into
Row adjustment, staff can be directed to different user flexibilities and configure parameters in the cost information custom tabular,
It is flexible and changeable to realize the cost information custom tabular, to meet the market demand.
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
The embodiment of invention for those of ordinary skill in the art without creative efforts, can also basis
The attached drawing of offer obtains other attached drawings.
Fig. 1 is the flow diagram of repaying expense charging method disclosed in the embodiment of the present application；
Fig. 2 is a kind of flow diagram for repaying expense charging method that another embodiment of the application provides；
Fig. 3 is a kind of flow diagram for repaying expense charging method that another embodiment of the application provides；
Fig. 4 is a kind of structural schematic diagram of repaying expense message accounting disclosed in the embodiment of the present application；
Fig. 5 is a kind of structural schematic diagram of repaying expense message accounting disclosed in another embodiment of the application.
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.
It is directed to the inflexible problem of loan charging regulation in the prior art, the present invention is by original product+transaction
Pricing method has been changed to product+account+transaction pricing model, and can take into account can also be propped up by the product unified price of bank's sale
It holds and negotiates a price respectively under point different accounts with client, while can also be by the amount of money and loan durations ranking charging.
On the other hand, on the basis of based on parametrization customization charge, system increases a large amount of toll administration and automation
Processing capacity helps business personnel to be detached from the status handled by hand.Such as: system provides the automatic accumulative, receipts of accumulative expense
The state after charge item automatically processes can be inquired at any time, and can be adjusted at any time with recovery function, teller by taking；System provides
By fixed cycle triggering charge and by payment period triggering charge and by specific transactions state (such as overdue) triggering charge etc.
A variety of automated process flows；System provides a variety of tentative calculations such as refund tentative calculation, payment beforehand tentative calculation, reservation payment beforehand tentative calculation
The middle tentative calculation and predictive ability increased to charge item.
Several concepts involved in the application are illustrated below:
It is bank according to local Central Bank's regulatory requirements in the scope of signified all expenses of the invention, is received for different clients
The service fee taken, including but not limited to payment beforehand penalize the forms such as expense, overdue administration fee, deposit service charges.
T+P charging mode refers to: billing parameters are defined on gas producing formation (P), when trading, according to the receipts of transaction definition
The charge type for taking range and Product Definition, collects the expense both defined.
Accumulative expense refers to: meeting certain condition, adds up Fee Amount by the certain frequency period, in scheduled also Fei Sheng
At Fee Amount is in arrears with, unsuccessful expense pending accounts of charging, it is subsequent can recovery always.Such as deposit service charges, overdue administration fee etc..
Non- accumulative expense: on-line transaction triggers charge in real time, and success of deducting fees is traded successfully, deducts fees unsuccessful, on-line transaction
Rollback together.Such as payment beforehand penalizes expense.When payment beforehand transaction occurs, payment beforehand principal and interest and expense are successfully taken off, then
It trades successfully, if it is unsuccessful to penalize expense to collect, payment beforehand transaction is also refused together.
It is directed in the prior art, when carrying out charging to loan, expense specific mode is single, can not be according to different loans
The problem of money user specifies the expense computation rule to match, is unable to satisfy the demand of business, this application discloses a kind of repayings
Money expense charging method, comprising:
Fig. 1 is the flow diagram of repaying expense charging method disclosed in the embodiment of the present application, referring to Fig. 1, the application
Repaying expense charging method disclosed in embodiment, comprising:
Step S101: loan product identification information is obtained；
When the user that provides a loan provides a loan, different loan products has different identification informations, and the loan product refers to
Be loan product that bank releases, every kind of loan product has oneself a set of independent charging regulation, and each loan product is matched
It is equipped with different identification informations, the loan product also refers to A type loan, Type B loan, c-type loan etc., and user can be according to
Corresponding loan product is selected according to the demand of itself, after the loan product determines, the identification information of the loan product
Also it determines that.
Step S102: the cost information custom tabular to match with the identification information, the cost information customization are transferred
It include preset configuration parameter in list, the configuration parameter includes at least: charge section, cumulative frequency, knot expense frequency, meter
Take parameter, hierarchical information, expense generating mode and mode of deducting fees；
Disclosed in the embodiment of the present application in technical solution, the cost information custom tabular of the loan product is defined on production
In cost information recalcitrant submodule in product layer, also, disclosed in initiate the embodiment of the present application before method, in gas producing formation
Customize the default value of each configuration parameter relevant parameter in the cost information custom tabular, including charge valid interval, charge
Frequency, trigger condition, cumulative frequency, toll amount, charge calculation, layering section, collecting mode etc., specifically, these
How configuration parameter is arranged can be according to the demand sets itself of staff.
Step S103: the every configuration ginseng for including in the cost information custom tabular is configured according to user operation instruction
Number；
It, can will be described when not getting the operational order of user disclosed in the embodiment of the present application in technical solution
Every configuration parameter in cost information custom tabular is configured to default value, customizes column to the cost information when getting user
It, can be according to the adjustable configuration ginseng stated described in user's operation setting in cost information custom tabular when the operational order of table
Number, and the adjustable range that non-configuration parameter is provided with a permission is each adjusted, staff can only be in the adjusting model
Enclose the interior size for adjusting the configuration parameter.
Further, disclosed in the embodiment of the present application in technical solution, the expense can be determined according to user property
Whether the configuration parameter in information custom tabular is adjustable, for example, when the attribute of user is personal or the loan of user gold
When volume is less than setting value, the configuration parameter in the cost information custom tabular is non-adjustable, when the attribute of user is enterprise or
When the amount of the loan of user is greater than the setting value, setting the preset configuration parameter in the cost information custom tabular to can
It adjusts, also, whether can also determine which configuration parameter in the cost information custom tabular according to the attribute information of user
It is adjustable.
To sum up, referring to fig. 2, Fig. 2 is a kind of process for repaying expense charging method that another embodiment of the application provides
Schematic diagram；
In technical method disclosed in the above embodiments of the present application, further includes:
Step S201: the attribute information of loan user is obtained；
The attribute information is personal or enterprise for characterizing but being not limited to user, the intended use of the loan of user, user's
The target of the amount of the loan, user is refunded date etc., and the attribute information also may include the age information of user, job specification letter
Information is provided a loan and taken in breath, marital status information, wrong other, under one's name whether there is or not house property etc., these information can pass through user
Information collection list obtains.
Step S202: the attribute information according to the user judge the cost information custom tabular configuration parameter whether
It is adjustable；
Step S203: when determine the cost information custom tabular configuration parameter can timing, category according to the user
Property information determines the adjustable configuration parameter of the cost information custom tabular；
Step S204: setting adjustable for the attribute information of the adjustable configuration parameter, gets user to work as
Operational order when adjust these configuration parameters.
Step S104: after the every configuration parameter configuration for including in the cost information custom tabular is completed, judgement
Whether the life cycle of the cost information custom tabular starts, if started, executes step S105；
It in this step, can after the every configuration parameter configuration for including in the cost information custom tabular is completed
It is executed in list so that the cost information custom tabular that configuration is completed first is stored in band, when loan user reaches an agreement with bank side
After, started by the life cycle that preset trigger action triggers the cost information custom tabular；
When cost information custom tabular is before life cycle starts, it can be transferred according to demand and modify the expense letter
Cease the configuration parameter in custom tabular.
Step S105: refund expense is calculated according to the every configuration parameter configuration for including in the cost information custom tabular
With, and knot expense processing is carried out according to the refund expense being calculated and the mode of deducting fees；
Disclosed in the embodiment of the present application in technical solution, when the life cycle of the cost information custom tabular start with
Afterwards, each issue of refund expense, and foundation are calculated according to the every configuration parameter configuration for including in the cost information custom tabular
The preset mode of deducting fees, which executes, in the cost information custom tabular carries out knot expense processing, when knot takes processing failure, generates tired
Charging.
By technical solution disclosed in the above embodiments of the present application as it can be seen that due to matching in the cost information custom tabular
Parameter adjustable is set, staff can be directed to the items that different user flexibilities configures in the cost information custom tabular and join
Number, to meet the market demand.
Disclosed in the embodiment of the present application in technical solution, show that user is every to loan user in order to more intuitive
The amount of money refunded needed for phase enables a user to so that user's selection is suitble to the loan product of oneself, can also foundation take
Tentative calculation is carried out with the configuration information in information custom tabular, the trial result may include each issue of repayment amount, total gold of refunding
Volume etc., therefore, in above scheme, after the every configuration parameter configuration for including in the cost information custom tabular is completed,
Before the life cycle of the cost information custom tabular starts, further includes:
Judge whether to get tentative calculation instruction, if so, pop-up tentative calculation window, according in the cost information custom tabular
The every configuration parameter configuration for including calculates refund expense, shows calculated result to user by the tentative calculation window.
Also, user can also carry out the tentative calculation of payment beforehand by the tentative calculation window, reserve the tentative calculation of payment beforehand
Etc., to show detail of refunding needed for the loan in the case of payment beforehand to user.
Further, disclosed in the embodiment of the present application in technical solution, due to different money-lenders creditworthiness not
Same, loan repayment capacity difference, the risk that bank side is undertaken is also just different, and therefore, for different users, the application can be institute
It states the configuration parameter in cost information custom tabular and configures different default values；
In view of this, referring to Fig. 3, in technical solution disclosed in the above embodiments of the present application, can also include:
Step S301: the attribute information of money-lender is obtained；
Step S302: the mesh of every configuration parameter in the cost information custom tabular to match with the attribute information is obtained
Mark default value；
Step S303: every configuration parameter in the cost information custom tabular is configured according to the target default value.
In the above-mentioned methods, the attribute information of user is different, shows that the loan repayment capacity of user is different, is directed to different refund
The money-lender of ability configures different cost basis approaches, so that cost information custom tabular configuration is more flexible.
Through the above scheme as it can be seen that the above embodiments of the present application provide technical solution, in loan product layer configuring product
The billing parameters of the cost parameters Automatic generation of information account of one or more products may be selected when opening an account for billing parameters information
Information, and can specifically be negotiated a price according to account, such as the amount of money is preferential, and rate is preferential etc..Support parametrization customisation costs
Calculation formula at trigger condition, the exact date deducted fees etc. that expense generating mode, expense generate, supports that hierarchical information parameter is fixed
System, customizable whether count mention and arrearage pending accounts.It is customized by parametrization, new expense kind can be automatically generated by configuring.Expense ginseng
The maintenance system of number information has flowing water log registration and inquiry.The charging mechanism that can be negotiated a price can either attract top-tier customer and increase small
Contribution of the client to profit of bank also can reflect bank to the preference of product and client, guide client's choosing by taking kind of rate
Select the product for being more in line with banking service strategy.
Further, in technical solution disclosed in the embodiment of the present application, the cost information can also flexibly be specified to customize
The type of configuration parameter in list, for example, user can delete the ginseng of the configuration in the cost information custom tabular according to demand
Number, specifically, detailed process is as follows when user deletes the configuration parameter in the cost information custom tabular:
User is obtained to the edit instruction of the cost information custom tabular；
It is configured to each configuration parameter in the cost information custom tabular that can delete state, it is herein, described to delete
Subtract and refer to a certain configuration by being deleted in configuration class table, rather than refers to being adjusted its numerical value；
The configuration parameter in the cost information custom tabular is deleted according to user operation instruction；
When detecting that user triggers increase configuration parameter control, configuration parameter list is shown to user, is selected according to user
It selects to instruct and increases user in the cost information custom tabular by the configuration parameter that selects in configuration parameter list；Wherein, institute
Configuration parameter list is stated for showing that various types of configuration parameters of preset value, every kind of configuration parameter are corresponding with a kind of charging rule
Then.
Corresponding to the above method, referring to fig. 4, Fig. 4 is a kind of repaying expense message accounting disclosed in the embodiment of the present application
Structural schematic diagram, the specific works content of each unit of repaying expense message accounting disclosed in the present embodiment refers to
The content of above method embodiment is below described loan cost message accounting provided by the embodiments of the present application, hereafter retouches
The loan cost message accounting stated can correspond to each other reference with above-described loan cost charging method.
Referring to fig. 4, repaying expense message accounting disclosed in the embodiment of the present application, comprising:
Product information acquisition unit 100, it is corresponding with step S101 in the above method, for obtaining loan product mark
Information；
Custom tabular transfers unit 200, corresponding with step S102 in the above method, believes for transferring with the mark
Manner of breathing matched cost information custom tabular includes preset configuration parameter in the cost information custom tabular, described to match
It sets parameter to include at least: charge section, cumulative frequency, knot expense frequency, billing parameter, hierarchical information, expense generating mode and button
Take mode；
Parameter adjustment unit 300, it is corresponding with step S103 in the above method, for matching according to user operation instruction
Set the every configuration parameter for including in the cost information custom tabular；
Charging Detail Record unit 400, it is corresponding with step S103 in the above method, for when in the cost information custom tabular
After the every configuration parameter configuration for including is completed, judge whether the life cycle of the cost information custom tabular starts, such as
Fruit starts, and calculates refund expense according to the every configuration parameter configuration for including in the cost information custom tabular, and according to meter
Obtained refund expense and the mode of deducting fees carry out knot expense processing.
Specifically, referring to Fig. 5, the Charging Detail Record unit 400 may include:
Expense adds up submodule 410: for judging whether it is accumulative expense, according to loan account state and cumulative frequency
Setting judges whether to trigger cumulative calculation, such as triggers and add up, then it is accumulative to carry out expense.
Expense knot takes submodule 420: for judging whether it is accumulative expense, taking set of frequency according to knot, judges whether
Knot expense of setting out carries out knot expense if triggering knot takes, and knot is time-consuming to carry out pending accounts for expense.
Online triggering charge calculates 430: when for loan on-line transaction to occur, collect non-accumulative expense if necessary, then into
The online real-time calculating expense of row is then chosen the element in layering according to transaction actual conditions and is calculated if there is hierarchical attribute
Expense is traded successfully, and expense takes off success, and expense is taken off unsuccessfully, and transaction then fails together.
It corresponds to the above method, can also include: tentative calculation unit 500 in above-mentioned apparatus referring to Fig. 5, be for judgement
It is no to get tentative calculation instruction, if so, being calculated according to the every configuration parameter configuration for including in the cost information custom tabular
Refund expense, and calculated result is shown to user.
It corresponds to the above method, the Charging Detail Record unit 400 is fixed according to the user operation instruction configuration cost information
When the every configuration parameter for including in list processed, it is specifically used for:
User is got described in judging whether to refer to the adjusting for the configuration parameter for including in the cost information custom tabular
It enables, if so, adjusting the size of the configuration parameter according to user's regulating command, otherwise, the configuration parameter is configured to write from memory
Recognize value.
It corresponds to the above method, can also include cost information custom tabular configuration unit in above-mentioned apparatus, for obtaining
Take the attribute information of money-lender；Obtain every configuration parameter in the cost information custom tabular to match with the attribute information
Target default value configures every configuration parameter in the cost information custom tabular according to the target default value.
It corresponds to the above method, the cost information custom tabular configuration unit is configuring the cost information customization column
When table, it is also used to execute following movement:
The attribute information of loan user is obtained, the attribute information according to the user judges the cost information custom tabular
Configuration parameter it is whether adjustable；When determine the cost information custom tabular configuration parameter can timing, according to the user's
Attribute information determines the adjustable configuration parameter of the cost information custom tabular；The attribute of the adjustable configuration parameter is believed
Breath is set as adjustable, to adjust these configuration parameters when getting the operational order of user.
In the prior art, overseas financial market dog-eat-dog, Market Orientation is high, and loan charge operation scene is complicated, respectively
Row fees policy and business are different, and traditional method relies primarily on artificial Attended Operation, lead to inefficiency, are easy error.Book
Technical solution disclosed in application embodiment can integrate the business scenario of the existing charge of each row, generate flexible customization charge configuration side
Method provides basis for full-automatic charge processing, can either attract top-tier customer and increase contribution of the small client to profit of bank,
Also it can reflect bank to the preference of product and client, guide client's selection to be more in line with banking service strategy by expense kind rate
Product.
For convenience of description, it is divided into various modules when description system above with function to describe respectively.Certainly, implementing this
The function of each module can be realized in the same or multiple software and or hardware when application.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system
For (device) or system embodiment, since it is substantially similar to the method embodiment, so describe fairly simple, related place
Illustrate referring to the part of embodiment of the method.System and system embodiment described above is only schematical, wherein
The unit as illustrated by the separation member may or may not be physically separated, component shown as a unit
It may or may not be physical unit, it can it is in one place, or may be distributed over multiple network units
On.Some or all of the modules therein can be selected to achieve the purpose of the solution of this embodiment according to the actual needs.Ability
Domain those of ordinary skill can understand and implement without creative efforts.
Professional further appreciates that, unit described in conjunction with the examples disclosed in the embodiments of the present disclosure
And algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware and
The interchangeability of software generally describes each exemplary composition and step according to function in the above description.These
Function is implemented in hardware or software actually, the specific application and design constraint depending on technical solution.Profession
Technical staff can use different methods to achieve the described function each specific application, but this realization is not answered
Think beyond the scope of this invention.
The step of method described in conjunction with the examples disclosed in this document or algorithm, can directly be held with hardware, processor
The combination of capable software module or the two is implemented.Software module can be placed in random access memory (RAM), memory, read-only deposit
Reservoir (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technology
In any other form of storage medium well known in field.
It should also be noted that, herein, relational terms such as first and second and the like are used merely to one
Entity or operation are distinguished with another entity or operation, without necessarily requiring or implying between these entities or operation
There are any actual relationship or orders.Moreover, the terms "include", "comprise" or its any other variant are intended to contain
Lid non-exclusive inclusion, so that the process, method, article or equipment including a series of elements is not only wanted including those
Element, but also including other elements that are not explicitly listed, or further include for this process, method, article or equipment
Intrinsic element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that
There is also other identical elements in process, method, article or equipment including the element.
The foregoing description of the disclosed embodiments enables those skilled in the art to implement or use the present invention.
Various modifications to these embodiments will be readily apparent to those skilled in the art, as defined herein
General Principle can be realized in other embodiments without departing from the spirit or scope of the present invention.Therefore, of the invention
It is not intended to be limited to the embodiments shown herein, and is to fit to and the principles and novel features disclosed herein phase one
The widest scope of cause.
Claims (8)
1. a kind of repaying expense charging method characterized by comprising
Obtain loan product identification information；
The cost information custom tabular to match with the identification information is transferred, includes pre- in the cost information custom tabular
If configuration parameter, the configuration parameter includes at least: charge section, cumulative frequency, knot expense frequency, billing parameter, layering letter
Breath, expense generating mode and mode of deducting fees；
The every configuration parameter for including in the cost information custom tabular is configured according to user operation instruction；
After the every configuration parameter configuration for including in the cost information custom tabular is completed, judge that the cost information is fixed
Whether the life cycle of list processed starts, if started, according to the every configuration ginseng for including in the cost information custom tabular
Number configuration calculates refund expense, and carries out knot expense processing according to the refund expense being calculated and the mode of deducting fees.
2. repaying expense charging method according to claim 1, which is characterized in that when the cost information custom tabular
In include every configuration parameter configuration complete after, before the life cycle of the cost information custom tabular starts, also wrap
It includes:
Judge whether to get tentative calculation instruction, if so, according to the every configuration ginseng for including in the cost information custom tabular
Number configuration calculates refund expense, and shows calculated result to user.
3. repaying expense charging method according to claim 1, which is characterized in that described to match according to user operation instruction
Set the every configuration parameter for including in the cost information custom tabular, comprising:
Regulating command of the user to the configuration parameter for including in the cost information custom tabular is got described in judging whether, such as
Fruit is otherwise the size for adjusting the configuration parameter according to user's regulating command configures default value for the configuration parameter.
4. repaying expense charging method according to claim 1, which is characterized in that transfer and the identification information phase
After the cost information custom tabular matched, further includes:
Obtain the attribute information of money-lender；
Obtain the target default value of every configuration parameter in the cost information custom tabular to match with the attribute information, foundation
The target default value configures every configuration parameter in the cost information custom tabular.
5. a kind of repaying expense message accounting characterized by comprising
Product information acquisition unit, for obtaining loan product identification information；
Custom tabular transfers unit, for transferring the cost information custom tabular to match with the identification information, the expense
It include preset configuration parameter in information custom tabular, the configuration parameter includes at least: charge section, cumulative frequency, knot
Take frequency, billing parameter, hierarchical information, expense generating mode and mode of deducting fees；
Parameter adjustment unit, for configuring the every configuration for including in the cost information custom tabular according to user operation instruction
Parameter；
Charging Detail Record unit, for judging after the every configuration parameter configuration for including in the cost information custom tabular is completed
Whether the life cycle of the cost information custom tabular starts, if started, according to wrapping in the cost information custom tabular
The every configuration parameter configuration contained calculates refund expense, and carries out knot expense according to the refund expense being calculated and the mode of deducting fees
Processing.
6. repaying expense message accounting according to claim 5, which is characterized in that further include:
Tentative calculation unit gets tentative calculation instruction for judging whether, if so, according to including in the cost information custom tabular
Every configuration parameter configuration calculate refund expense, and to user show calculated result.
7. repaying expense message accounting according to claim 5, which is characterized in that the Charging Detail Record unit is according to user
When operational order configures the every configuration parameter for including in the cost information custom tabular, it is specifically used for:
Regulating command of the user to the configuration parameter for including in the cost information custom tabular is got described in judging whether, such as
Fruit is otherwise the size for adjusting the configuration parameter according to user's regulating command configures default value for the configuration parameter.
8. repaying expense message accounting according to claim 5, which is characterized in that further include:
Cost information custom tabular configuration unit, for obtaining the attribute information of money-lender；It obtains and the attribute information phase
The target default value of every configuration parameter in the cost information custom tabular matched, configures the expense according to the target default value
Every configuration parameter in information custom tabular.
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| CN201811283413.XA CN109472580A (en) | 2018-10-31 | 2018-10-31 | A kind of repaying expense charging method and device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811283413.XA CN109472580A (en) | 2018-10-31 | 2018-10-31 | A kind of repaying expense charging method and device |
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| CN109472580A true CN109472580A (en) | 2019-03-15 |
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| CN111681093A (en) * | 2020-04-28 | 2020-09-18 | 上海淇馥信息技术有限公司 | Method and device for displaying resource page and electronic equipment |
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| CN104361518A (en) * | 2014-10-29 | 2015-02-18 | 中国建设银行股份有限公司 | Data processing method and device |
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