CN109584033A - To public repayment method, device, equipment and computer readable storage medium - Google Patents
To public repayment method, device, equipment and computer readable storage medium Download PDFInfo
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- CN109584033A CN109584033A CN201710906464.2A CN201710906464A CN109584033A CN 109584033 A CN109584033 A CN 109584033A CN 201710906464 A CN201710906464 A CN 201710906464A CN 109584033 A CN109584033 A CN 109584033A
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- Prior art keywords
- refund
- public
- client
- information
- loaning bill
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The invention discloses one kind to public repayment method, device, equipment and computer readable storage medium, and described includes: to obtain the refund information of refund client when detecting refund request to public repayment method；Based on the corresponding loaning bill product of the refund information matches；Based on matched loaning bill product, refund information is sent to the refund processing subsystem of the matched loaning bill product, so that the refund processing subsystem carries out the processing of refund information.The present invention originally aims to solve the problem that the prior art wastes more, the low technical problem of user experience to public refund process human and material resources.
Description
Technical field
The present invention relates to insurance business field, more particularly to it is a kind of to public repayment method, device, equipment and computer-readable
Storage medium.
Background technique
Client is referred to after bank loan to public affairs refund, if being more than the payback period, third party guarantees company goes back instead of client
Repayment amount is answered by clear bank, and refund to client by third party guarantees company and urge money, during client refunds, client
In addition to need the to refund compensatory capital of third party guarantees company, compensatory interest, client also need the third party guarantees company that refunds
Corresponding Guarantee fee, administration fee, compensatory default interest, Late Payment Fee for collecting etc., after money is urged in refund, if client turns repayment amount
For account into corporation account, Corporate Finance executes items to public refund process based on the repayment amount that corporation account receives, and is passing
System in public refund process, since the mode of a variety of loaning bill products and payback period are different, thus getting client also
When money account and corresponding repayment amount, need which kind of loaning bill product refund and receipt by manually matching client belong to, which kind of is also
The mode etc. in money time limit causes the waste of financial human and material resources, reduces user experience.
Summary of the invention
The main purpose of the present invention is to provide one kind to public repayment method, device, equipment and computer-readable storage
Medium, it is intended to solve the prior art and more, the low technical problem of user experience is wasted to public refund process human and material resources.
To achieve the above object, the present invention provides a kind of to public repayment method, described to include: to public repayment method
When detecting refund request, the refund information of refund client is obtained；
Based on the corresponding loaning bill product of the refund information matches；
Based on matched loaning bill product, the refund that refund information is sent to the matched loaning bill product is handled into subsystem
System, so that the refund processing subsystem carries out the processing of refund information.
Optionally, described to be based on matched loaning bill product, refund information is sent to the refund of the matching loaning bill product
Processing subsystem, so that the processing step that the refund processing subsystem carries out refund information includes:
When detecting the multiple loaning bill products of refund information matches, obtain the multiple loaning bill product prestored first is preferential
Grade sequence；
Based on first priority orders, corresponding refund information is sent respectively from high to low according to priority, for excellent
The loaning bill product alignment processing subsystem of first grade from high to low is one by one handled received refund information.
Optionally, to achieve the above object, the present invention also provides another kinds to public repayment method, described to public repayment method
Applied to refund processing subsystem, the refund information includes repayment amount, described to include: to public repayment method
Receive refund client refund information, obtain refund client fund detail to be refunded and it is described to also
Leisurely the second priority orders of item detail；
Repayment amount working out distribution is carried out based on second priority orders, until the repayment amount is completed to refund.
Optionally, described to include: based on second priority orders progress repayment amount working out distribution step
The refund for obtaining refund client is exceeded the time limit the time, and obtains the interest rate rule after corresponding loaning bill product exceeds the time limit；
Guarantee administration fee, compensatory interest based on time of the exceeding the time limit refund client corresponding with interest rate rule accounting,
Compensatory default interest and Late Payment Fee；
Successively to the guarantee administration fee, compensatory interest, compensatory default interest and Late Payment Fee, the distribution of repayment amount is carried out.
Optionally, the refund information includes refund client borrower name, refund account and passport NO., described
Include: before obtaining the fund detail step to be refunded of refund client
Based on the refund information, the receipt information of client in corresponding refund processing subsystem is traversed；
When detecting that corresponding receipt information is consistent with refund client borrower name, refund account and passport NO.
When, execute obtain refund client fund detail to be refunded the step of.
Optionally, the refund information includes refund account, described to carry out repayment amount based on second priority orders
Working out distribution, until including: after repayment amount completion refund step
If detecting, the repayment amount, will be more more than the corresponding refund account of repayment amount when answering repayment amount, is obtained
Remaining repayment amount is retracted into the refund account；
When detecting that refund process is completed, electronic certificate accreditation processing is carried out.
In addition, to achieve the above object, the present invention also provides one kind to public refund equipment, described to public refund equipment packet
Include: memory, processor, communication bus and be stored on the memory to public refund program,
The communication bus is for realizing the communication connection between processor and memory；
The processor is described to public refund program for executing, to perform the steps of
When detecting refund request, the refund information of refund client is obtained；
Based on the corresponding loaning bill product of the refund information matches；
Based on matched loaning bill product, the refund that refund information is sent to the matched loaning bill product is handled into subsystem
System, so that the refund processing subsystem carries out the processing of refund information.
Optionally, described to be based on matched loaning bill product, refund information is sent to the refund of the matching loaning bill product
Processing subsystem, so that the processing step that the refund processing subsystem carries out refund information includes:
When detecting the multiple loaning bill products of refund information matches, obtain the multiple loaning bill product prestored first is preferential
Grade sequence；
Based on first priority orders, corresponding refund information is sent respectively from high to low according to priority, for excellent
The loaning bill product alignment processing subsystem of first grade from high to low is one by one handled received refund information.
Optionally, to achieve the above object, the present invention also provides another kinds to public repayment method, described to public repayment method
Applied to refund processing subsystem, the refund information includes repayment amount, described to include: to public repayment method
Receive refund client refund information, obtain refund client fund detail to be refunded and it is described to also
Leisurely the second priority orders of item detail；
Repayment amount working out distribution is carried out based on second priority orders, until the repayment amount is completed to refund.
Optionally, described to include: based on second priority orders progress repayment amount working out distribution step
The refund for obtaining refund client is exceeded the time limit the time, and obtains the interest rate rule after corresponding loaning bill product exceeds the time limit；
Guarantee administration fee, compensatory interest based on time of the exceeding the time limit refund client corresponding with interest rate rule accounting,
Compensatory default interest and Late Payment Fee；
Successively to the guarantee administration fee, compensatory interest, compensatory default interest and Late Payment Fee, the distribution of repayment amount is carried out.
Optionally, the refund information includes refund client borrower name, refund account and passport NO., described
Include: before obtaining the fund detail step to be refunded of refund client
Based on the refund information, the receipt information of client in corresponding refund processing subsystem is traversed；
When detecting that corresponding receipt information is consistent with refund client borrower name, refund account and passport NO.
When, execute obtain refund client fund detail to be refunded the step of.
Optionally, the refund information includes refund account, described to carry out repayment amount based on second priority orders
Working out distribution, until including: after repayment amount completion refund step
If detecting, the repayment amount, will be more more than the corresponding refund account of repayment amount when answering repayment amount, is obtained
Remaining repayment amount is retracted into the refund account；
When detecting that refund process is completed, electronic certificate accreditation processing is carried out.
In addition, to achieve the above object, the present invention also provides one kind to public refund device, described to public refund device packet
It includes:
First obtains module, for obtaining the refund information of refund client when detecting refund request；
Matching module, for being based on the corresponding loaning bill product of the refund information matches；
Refund information is sent to the matched loaning bill product for being based on matched loaning bill product by refund module
Refund processing subsystem, so that the refund processing subsystem carries out the processing of refund information.
Optionally, to achieve the above object, the present invention also provides another kinds to public refund device, described to public refund device
Further include:
Second obtains module, for receiving the refund information of refund client, obtains the fund to be refunded of refund client
Second priority orders of detail and the fund detail to be refunded；
Distribution module, for carrying out repayment amount working out distribution based on second priority orders, until refund gold
Volume is completed to refund.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Storage medium be stored with one perhaps more than one program the one or more programs can by one or one with
On processor execute to be used for:
When detecting refund request, the refund information of refund client is obtained；
Based on the corresponding loaning bill product of the refund information matches；
Based on matched loaning bill product, the refund that refund information is sent to the matched loaning bill product is handled into subsystem
System, so that the refund processing subsystem carries out the processing of refund information.
Optionally, to achieve the above object, the present invention also provides a kind of computer readable storage mediums, and the computer can
Reading storage medium is stored with one, and perhaps more than one program the one or more programs can be by one or one
Above processor is executed to be used for:
Receive refund client refund information, obtain refund client fund detail to be refunded and it is described to also
Leisurely the second priority orders of item detail；
Repayment amount working out distribution is carried out based on second priority orders, until the repayment amount is completed to refund.
The present invention is by obtaining the refund information of refund client when detecting refund request；Believed based on the refund
Breath matches corresponding loaning bill product；Based on matched loaning bill product, refund information is sent to the matched loaning bill product
Refund processing subsystem, so that the refund processing subsystem carries out the processing of refund information.Since the present invention is by going back public affairs
Money system, realize obtain client refund information after, can Auto-matching loaning bill product, rather than need manually will refund
Information is directed respectively into different subsystems the matching for carrying out loaning bill product, and then has saved the process refunded to public affairs, reduces
The waste of task material resources, the user experience is improved, solves in the prior art to public refund process human and material resources wave
Fei Duo, the low technical problem of user experience.
Detailed description of the invention
Fig. 1 is flow diagram of the present invention to public repayment method first embodiment；
Fig. 2 is flow diagram of the present invention to public repayment method second embodiment；
Fig. 3 is the device structure schematic diagram for the hardware running environment that present invention method is related to；
Fig. 4 is the schematic diagram of a scenario of the embodiment of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides one kind to public repayment method, in first embodiment of the present invention to public repayment method, referring to figure
1, it is described to include: to public repayment method
Step S10 obtains the refund information of refund client when detecting refund request；
When detecting refund request, the refund information of refund client is obtained, wherein refund request can be client and exist
It is generated when being refunded on client end interface by touch or clicking operation confirmation, specifically, client is on client refund APP
Refund interface on, input complete refund information after, click confirmation refund i.e. produce refund request, exist to public refund system
After detecting refund request, the refund information of refund client is obtained.
In this application, refund information includes the account of refund people or the identity card of client refund account, borrower
Number, repayment amount and the loaning bill product type of refund etc., particularly, in this application, which can be a variety of.
When loaning bill product type is more than a kind of, client can be refunded in batches by same account in different time sections.In addition, being
It avoids the problem that the waste of manpower and material resources and avoids refund entanglement, it, can be in client when loaning bill product is more than a kind of
Refund interface on refund APP carries out the setting of the priority of loaning bill product.
Step S20 is based on the corresponding loaning bill product of the refund information matches；
After obtaining refund information, it is based on the corresponding loaning bill product of refund information matches, which can be: obtaining visitor
The refund account at family end, that is, client refund account, and traverse the client's refund account saved to public refund system difference loaning bill product
Number, when detecting account consistent with client refund account in public refund system, being obtained based on the consistent account should
The loaning bill product of account mapping, wherein pre- to client's refund account in public refund system and the first mapping relations of loaning bill product
It is stored in in public refund system.
In addition, can also identify that plug-in unit identifies that the loaning bill product in refund information, words identify plug-in unit identification also by words
Loaning bill product process in money information can be: obtaining the fixation display position of loaning bill product type, shows position obtaining the fixation
It postpones, the dictionary words in traversal matching plug-in unit is carried out to the words on fixed display position and is identified, or by display position
The analysis identification loaning bill product type that the words set carries out words form matches corresponding loaning bill product after the completion of identification.
In addition, obtaining the digit of the ID card No. of client borrower, refund is identified based on the digit
The ID card No. of borrower in information, the ID card No. traversal based on borrower protect public refund system difference loaning bill product
The ID card No. of the borrower deposited, it is consistent with the ID card No. of client borrower when being detected in public refund system
Identity card when, based on the consistent identity card obtain the identity card mapping loaning bill product, wherein to client in public refund system
ID card No. and the second mapping relations of loaning bill product are pre-stored in in public refund system.
Due to the ID card No. in borrower's refund information, refund account etc. can all match loaning bill product, especially by
Which kind of mode can be configured on to public refund system, optionally, by borrower's ID card No. in refund information into
The confirmation of row loaning bill product causes loaning bill product to match to avoid because borrower refunds using other people refund account
The problem of mistake.
Step S30 is based on matched loaning bill product, refund information is sent at the refund of the matched loaning bill product
Subsystem is managed, so that the refund processing subsystem carries out the processing of refund information.
To public refund system after obtaining refund information, matched loaning bill is sent to by refund information to public refund system and is produced
The refund processing subsystem of product is handled, it should be noted that includes each refund processing subsystem to public refund system, such as
Shown in Fig. 4.
It is described to be based on matched loaning bill product, the refund that refund information is sent to the matching loaning bill product is handled into subsystem
System, so that the processing step that the refund processing subsystem carries out refund information includes:
When detecting the multiple loaning bill products of refund information matches, obtain the multiple loaning bill product prestored first is preferential
Grade sequence；
Based on first priority orders, corresponding refund information is sent respectively from high to low according to priority, for excellent
The loaning bill product alignment processing subsystem of first grade from high to low is one by one handled received refund information.
When detecting the multiple loaning bill products of refund information matches, obtain the multiple loaning bill product prestored first is preferential
In this application the fractionation, it can be achieved that client's repayment amount is arranged by priority, the fractionation is generally in full in grade sequence
It splits, the split process is related to the priority of loaning bill product, i.e., after fractionation, first meets going back for the high loaning bill product of priority
Money demand, after meet the refund demand of the low loaning bill product of priority.
It is illustrated to specific embodiment, client's vehicle that can provide a loan simultaneously is borrowed and housing loan, and vehicle is borrowed and with housing loan is more than
In the time limit of loan, third party guarantees company is needed to call in a loan, client is in the collection for receiving third party guarantees company
After loan, the account that repayment amount is disposably passed through to refund people carries out the refund of vehicle loan and housing loan, before refund, in client
The enterprising having sexual intercourse in refund interface on refund APP is held to borrow the setting for borrowing priority with vehicle, when the priority of housing loan is excellent higher than what vehicle was borrowed
When first grade, the repayment amount in refund information is obtained, the refund that the advanced having sexual intercourse of the repayment amount is borrowed, is to send out repayment amount
Housing loan processing subsystem is given to be handled, after also complete housing loan, if there are also remaining repayment amount, then by the remaining refund
The amount of money carries out the refund of vehicle loan, is that the remaining repayment amount is sent to vehicle to borrow processing subsystem, if without remaining refund
The amount of money, then during this refund, vehicle loan can not realize refund.
It realizes and is based on the first priority orders, send corresponding refund information, priority respectively from high to low according to priority
High refund processing subsystem first carries out the processing of refund information, and the low refund processing subsystem processing priority height of priority is also
Money processing subsystem treated refund information or repayment amount, housing loan processing subsystem as described above are first handled to public affairs
The received refund information of refund system, after the completion of borrowing processing subsystem processing, the low vehicle of priority borrow processing subsystem again into
The refund of row residue repayment amount.
The present invention is by obtaining the refund information of refund client when detecting refund request；Believed based on the refund
Breath matches corresponding loaning bill product；Based on matched loaning bill product, refund information is sent to the matched loaning bill product
Refund processing subsystem, so that the refund processing subsystem carries out the processing of refund information.Since the present invention is by going back public affairs
Money system, realize obtain client refund information after, can Auto-matching loaning bill product, rather than need manually will refund
Information is directed respectively into different subsystems the matching for carrying out loaning bill product, and then has saved the process refunded to public affairs, reduces
The waste of task material resources, the user experience is improved, solves in the prior art to public refund process human and material resources wave
Fei Duo, the low technical problem of user experience.
The present invention also provides one kind to public repayment method, this in public repayment method, it is described to refund to public affairs referring to Fig. 2
Method is applied to refund processing subsystem, and the refund information includes repayment amount, described to public repayment method further include:
Step S40 receives the refund information of refund client, obtains the fund detail to be refunded of refund client, and
Second priority orders of the fund detail to be refunded；
In this application, the fund detail to be refunded of refund client saved in refund processing subsystem is obtained, it should be to
Refund detail includes guarantee administration fee, compensatory interest, compensatory default interest and Late Payment Fee etc., and the repayment amount of client may be enough
Repay it is all answer repayment amount, in addition, there is also the repayment amounts of client to be not enough to repay all repayment amounts of answering
Phenomenon, thus, in this application, to realize the interests for ensuring third party guarantees company, risk is accordingly reduced, needs to obtain to also
The leisurely priority ranking of item detail i.e. the second priority orders, second priority orders according to refund processing subsystem not
With possible difference, i.e., in this application, the second priority orders can be configured.
Step S50 carries out repayment amount working out distribution based on second priority orders, until the repayment amount is completed
It refunds.
Repayment amount working out distribution is carried out based on second priority orders, until the repayment amount is completed to refund.
Carry out repayment amount working out distribution based on second priority orders, i.e., it is in this application, suitable in the second priority
After sequence determines, repayment amount accounting is carried out based on second priority orders, which can be: obtaining processing subsystem of refunding
The bright accounting criteria of each refund fund prestored in system carries out corresponding to each refund fund detail respectively according to each accounting criteria
The accounting for answering repayment amount obtains the distribution of repayment amount, the distribution is suitable after the completion of each refund fund detail is calculated
Sequence follows second priority orders, and the high refund fund detail of priority level first carries out the division distribution of repayment amount, preferentially
The division distribution of repayment amount is carried out after the low refund fund detail of rank.
In the present embodiment, bright by the fund detail to be refunded and the fund to be refunded that obtain refund client
The second thin priority orders；Repayment amount working out distribution is carried out based on second priority orders, until the repayment amount
It completes to refund.In the present embodiment, due to avoiding client after repaying the compensatory amount of money for completing third party guarantees company, do not repay
The phenomenon that expense of the guarantee administration fee of third party guarantees company, to realize the interests for ensuring third party guarantees company, phase
Risk should be reduced, the user experience is improved.
Further, the present invention is provided to the another embodiment of public repayment method, in this embodiment, it is described based on this
Two priority orders carry out repayment amount working out distribution step
The refund for obtaining refund client is exceeded the time limit the time, and obtains the interest rate rule after corresponding loaning bill product exceeds the time limit；
The current refund time for obtaining refund client, when being exceeded the time limit based on the refund that current time obtains refund client
Between, and the interest rate rule after corresponding loaning bill product exceeds the time limit is obtained, which can be unified, as the interest rate rule of interest can
It is to collect interest according to daily 0.3% after exceeding the time limit, alternatively, difference of the interest rate rule of the interest according to the time of exceeding the time limit, carries out
Orderly variation is such as often exceeded the time limit mostly after 1 month, which increases by 0.05%, until reach the interest upper limit, in this application,
Due to including various fund details in loaning bill product, the corresponding sharp regular rate of each fund detail or accounting criteria can also roots
According to exceeding the time limit, the time is adjusted correspondingly.
Guarantee administration fee, compensatory interest based on time of the exceeding the time limit refund client corresponding with interest rate rule accounting,
Compensatory default interest and Late Payment Fee；
Guarantee administration fee, compensatory interest, generation based on time of the exceeding the time limit loaning bill product corresponding with interest rate rule accounting
Default interest and Late Payment Fee are repaid, specifically, the guarantee administration fee of corresponding loaning bill product, root are calculated according to guarantee administration fee interest rate rule
Corresponding compensatory interest of loaning bill product etc. is calculated according to compensatory interest interest rate rule.
Successively to the guarantee administration fee, compensatory interest, compensatory default interest and Late Payment Fee, the distribution of repayment amount is carried out.
Based on the guarantee administration fee, compensatory interest, compensatory default interest and Late Payment Fee, point of repayment amount is successively carried out
Match, in the present embodiment, the successive or priority orders of fund detail to be refunded can be guarantee administration fee, compensatory interest,
Compensatory default interest and Late Payment Fee, thus when carrying out repayment amount distribution, guarantee administration fee of first refunding, rear compensatory interest, then
It refunds compensatory default interest and Late Payment Fee, finally the loaning bill capital of refund borrower.
In the present embodiment, exceeded the time limit the time by obtaining the refund of refund client, and obtain corresponding loaning bill product and exceed the time limit
Interest rate rule afterwards；It is guarantee administration fee based on time of the exceeding the time limit refund client corresponding with interest rate rule accounting, compensatory
Interest, compensatory default interest and Late Payment Fee；It is first laggard based on the guarantee administration fee, compensatory interest, compensatory default interest and Late Payment Fee
The distribution of row repayment amount.The present embodiment provides a kind of successive refund of specific refund detail sequence, realization ensures third party
The interests of guarantee corporation, accordingly reduce risk, and the user experience is improved.
Further, the present invention is provided to the another embodiment of public repayment method, in this embodiment, the refund packet
Refund client borrower name, refund account and passport NO. are included, the fund to be refunded for obtaining refund client is bright
Include: before thin step
Based on the refund information, the receipt information of client in corresponding refund processing subsystem is traversed；
In this application, before the fund detail to be refunded for obtaining refund client, need to carry out the receipt letter of client
The matching of breath and client refund information should that is, after refund information to be sent to the processing subsystem of corresponding loaning bill product
Processing subsystem also needs to compare the receipt information of client and client refund information, wherein receipt information includes client's
Debt capital, from date of debt etc..
When detecting that corresponding receipt information is consistent with refund client borrower name, refund account and passport NO.
When, execute obtain refund client fund detail to be refunded the step of.
If when refund client borrower name, refund account and the passport NO. and the institute that detect corresponding receipt information
State refund information it is consistent when, consistent receipt information described in the refund information matches, execute obtain refund client to also
Leisurely the step of item detail, if when detecting that corresponding receipt information and the refund information are inconsistent, generation error prompt letter
Breath.
In the present embodiment, by being based on the refund information, the receipt of client in corresponding refund processing subsystem is traversed
Information；When detecting that corresponding receipt information is consistent with the refund information, the fund to be refunded for obtaining refund client is executed
The step of detail.Due in this application, it is ensured that the correctness that client is refunded, thus to reduce to public refund process manpower object
The power wasting of resources.
Further, the present invention provides the present invention to the another embodiment of public repayment method, in this embodiment, the refund
Information includes refund account, described to carry out repayment amount working out distribution based on second priority orders, until refund gold
Volume is completed
If detecting, the repayment amount, will be more more than the corresponding refund account of repayment amount when answering repayment amount, is obtained
Remaining repayment amount is retracted into the refund account；
If detecting, the repayment amount, will be more more than the corresponding refund account of repayment amount when answering repayment amount, is obtained
Remaining repayment amount is retracted into the refund account, if detecting, the repayment amount less than when answering repayment amount, is obtained and refunded
The corresponding communication information of the corresponding refund account of the amount of money continues to refund and urges money process, wherein urges money process in the refund
In, the amount of money of debt is modified.
When detecting that refund process is completed, electronic certificate accreditation processing is carried out.
In this application, when detecting that refund process is completed, autoelectrinic voucher accreditation processing, the electronic certificate are carried out
It goes up comprising time of refunding, repayment amount, electronic certificate is sent to corresponding client after the completion of refund by refund product etc.,
So that finance carry out confirmation processing.
In the present embodiment, if when by detecting the repayment amount more than repayment amount is answered, repayment amount pair is obtained
Extra repayment amount is retracted into the refund account by the refund account answered；When detecting that refund is completed, electronics system is carried out
Card processing.Thus in this application, the repayment amount of client can be realized with having proof and evidence withholds, and improves customer experience.
The present invention provides one kind to public refund device, described to include: to public refund device
First obtains module, for obtaining the refund information of refund client when detecting refund request；
Matching module, for being based on the corresponding loaning bill product of the refund information matches；
Refund information is sent to the matched loaning bill product for being based on matched loaning bill product by refund module
Refund processing subsystem, so that the refund processing subsystem carries out the processing of refund information.
Optionally, the refund module step includes:
First acquisition unit, for when detecting the multiple loaning bill products of refund information matches, obtain prestore it is multiple
First priority orders of loaning bill product；
Transmission unit sends corresponding go back according to priority for being based on first priority orders respectively from high to low
Money information, for the loaning bill product alignment processing subsystem of priority from high to low one by one to received refund information at
Reason.
The present invention also provides one kind to public refund device, described to include: to public refund device
Second obtains module, for receiving the refund information of refund client, obtains the fund to be refunded of refund client
Second priority orders of detail and the fund detail to be refunded；
Distribution module, for carrying out repayment amount working out distribution based on second priority orders, until refund gold
Volume is completed to refund.
Optionally, the distribution module includes:
Second acquisition unit, the refund for obtaining refund client are exceeded the time limit the time, and are obtained corresponding loaning bill product and exceeded the time limit
Interest rate rule afterwards；
Accounting unit, for the guarantee management based on time of the exceeding the time limit refund client corresponding with interest rate rule accounting
Take, compensatory interest, compensatory default interest and Late Payment Fee；
Allocation unit, for being gone back successively to the guarantee administration fee, compensatory interest, compensatory default interest and Late Payment Fee
The distribution of the money amount of money.
Optionally, the refund information includes refund client borrower name, refund account and passport NO., described
To public refund device further include:
Spider module traverses the receipt information of client in corresponding refund processing subsystem for being based on the refund information；
Execution module, for when detect corresponding receipt information and refund client borrower name, refund account and
When passport NO. is consistent, execute obtain refund client fund detail to be refunded the step of.
Optionally, the refund information includes refund account, described to public refund device further include:
Third obtains module, if when for detecting the repayment amount more than repayment amount is answered, obtaining repayment amount pair
Extra repayment amount is retracted into the refund account by the refund account answered；
Accreditation module, for carrying out electronic certificate accreditation processing when detecting that refund process is completed.
The present invention to public refund device specific embodiment with it is above-mentioned essentially identical to each embodiment of public repayment method, herein
It repeats no more.
Referring to Fig. 3, Fig. 3 is the device structure schematic diagram for the hardware running environment that present invention method is related to.
The embodiment of the present invention can be PC to public refund equipment, be also possible to smart phone, tablet computer, e-book reading
Device, MP3 (Moving Picture Experts Group Audio Layer III, dynamic image expert's compression standard audio
Level 3) player, MP4 (Moving Picture Experts Group Audio Layer IV, dynamic image expert compression
Standard audio level 4) terminal devices such as player, portable computer.
As shown in figure 3, this may include: processor 1001, such as CPU to public refund equipment, memory 1005, communication is always
Line 1002.Wherein, communication bus 1002 is for realizing the connection communication between processor 1001 and memory 1005.Memory
1005 can be high speed RAM memory, be also possible to stable memory (non-volatile memory), such as disk is deposited
Reservoir.Memory 1005 optionally can also be the storage equipment independently of aforementioned processor 1001.
Optionally, this can also include user interface, network interface, camera, RF (Radio to public refund equipment
Frequency, radio frequency) circuit, sensor, voicefrequency circuit, WiFi module etc..User interface may include display screen
(Display), input unit such as keyboard (Keyboard), optional user interface can also include wireline interface, the nothing of standard
Line interface.Network interface optionally may include standard wireline interface and wireless interface (such as WI-FI interface).
It refunds it will be understood by those skilled in the art that not constituted shown in Fig. 3 to public refund device structure to public affairs
The restriction of equipment may include perhaps combining certain components or different component cloth than illustrating more or fewer components
It sets.
As shown in figure 3, as may include that operating system, network are logical in a kind of memory 1005 of computer storage medium
Believe module and to public refund program.Operating system is the program managed and controlled to public refund device hardware and software resource,
Support the operation to public refund program and other softwares and/or program.Network communication module is for realizing in memory 1005
Communication between each component in portion, and communicated between other hardware and softwares in public refund equipment.
It is shown in Fig. 3 in public refund equipment, processor 1001 be used to execute stored in memory 1005 to public affairs also
Money program, performs the steps of
When detecting refund request, the refund information of refund client is obtained；
Based on the corresponding loaning bill product of the refund information matches；
Based on matched loaning bill product, the refund that refund information is sent to the matched loaning bill product is handled into subsystem
System, so that the refund processing subsystem carries out the processing of refund information.
Further, described to be based on matched loaning bill product, refund information is sent to going back for the matching loaning bill product
Money processing subsystem, so that the processing step that the refund processing subsystem carries out refund information includes:
When detecting the multiple loaning bill products of refund information matches, obtain the multiple loaning bill product prestored first is preferential
Grade sequence；
Based on first priority orders, corresponding refund information is sent respectively from high to low according to priority, for excellent
The loaning bill product alignment processing subsystem of first grade from high to low is one by one handled received refund information.
Further, to achieve the above object, the present invention also provides another kinds to public repayment method, described to public refund side
Method is applied to refund processing subsystem, and the refund information includes repayment amount, described to include: to public repayment method
Receive refund client refund information, obtain refund client fund detail to be refunded and it is described to also
Leisurely the second priority orders of item detail；
Repayment amount working out distribution is carried out based on second priority orders, until the repayment amount is completed to refund.
Further, described to include: based on second priority orders progress repayment amount working out distribution step
The refund for obtaining refund client is exceeded the time limit the time, and obtains the interest rate rule after corresponding loaning bill product exceeds the time limit；
Guarantee administration fee, compensatory interest based on time of the exceeding the time limit refund client corresponding with interest rate rule accounting,
Compensatory default interest and Late Payment Fee；
Successively to the guarantee administration fee, compensatory interest, compensatory default interest and Late Payment Fee, the distribution of repayment amount is carried out.
Further, the refund information includes refund client borrower name, refund account and passport NO., institute
Include: before stating the fund detail step to be refunded for obtaining refund client
Based on the refund information, the receipt information of client in corresponding refund processing subsystem is traversed；
When detecting that corresponding receipt information is consistent with refund client borrower name, refund account and passport NO.
When, execute obtain refund client fund detail to be refunded the step of.
Further, the refund information includes refund account, described to carry out gold of refunding based on second priority orders
Volume working out distribution, until including: after repayment amount completion refund step
If detecting, the repayment amount, will be more more than the corresponding refund account of repayment amount when answering repayment amount, is obtained
Remaining repayment amount is retracted into the refund account；
When detecting that refund process is completed, electronic certificate accreditation processing is carried out.
The present invention to public refund equipment specific embodiment with it is above-mentioned essentially identical to each embodiment of public repayment method, herein
It repeats no more.
The present invention provides a kind of computer readable storage medium, the computer-readable recording medium storage have one or
More than one program of person, the one or more programs can also be executed by one or more than one processor with
In realize it is described above to public repayment method the step of.
Computer readable storage medium specific embodiment of the present invention is with above-mentioned to the basic phase of each embodiment of public repayment method
Together, details are not described herein.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field similarly includes in patent process range of the invention.
Claims (10)
1. one kind is to public repayment method, which is characterized in that it is applied to public refund system, it is described to include: to public repayment method
When detecting refund request, the refund information of refund client is obtained；
Based on the corresponding loaning bill product of the refund information matches；
Based on matched loaning bill product, refund information is sent to the refund processing subsystem of the matched loaning bill product, with
The processing of refund information is carried out for the refund processing subsystem.
2. as described in claim 1 to public repayment method, which is characterized in that it is described to be based on matched loaning bill product, it will refund
Information is sent to the refund processing subsystem of the matching loaning bill product, so that the refund processing subsystem carries out refund information
Processing step include:
When detecting the multiple loaning bill products of refund information matches, the first priority for obtaining the multiple loaning bill product prestored is suitable
Sequence；
Based on first priority orders, corresponding refund information is sent respectively from high to low according to priority, for priority
Loaning bill product alignment processing subsystem from high to low is one by one handled received refund information.
3. one kind is to public repayment method, which is characterized in that it is applied to refund processing subsystem, refund information includes repayment amount,
It is described to include: to public repayment method
The refund information of refund client is received, the fund detail to be refunded of refund client and described to also leisurely is obtained
Second priority orders of item detail；
Repayment amount working out distribution is carried out based on second priority orders, until the repayment amount is completed to refund.
4. as claimed in claim 3 to public repayment method, which is characterized in that described to be gone back based on second priority orders
Money amount of money working out distribution step includes:
The refund for obtaining refund client is exceeded the time limit the time, and obtains the interest rate rule after corresponding loaning bill product exceeds the time limit；
It is guarantee administration fee, compensatory interest based on time of the exceeding the time limit refund client corresponding with interest rate rule accounting, compensatory
Default interest and Late Payment Fee；
Successively to the guarantee administration fee, compensatory interest, compensatory default interest and Late Payment Fee, the distribution of repayment amount is carried out.
5. as claimed in claim 3 to public repayment method, which is characterized in that the refund information includes that refund client is borrowed money
People's name, refund account and passport NO., the fund detail step to be refunded for obtaining refund client include: before
Based on the refund information, the receipt information of client in corresponding refund processing subsystem is traversed；
When detecting corresponding receipt information with refund client borrower name, refund account and consistent passport NO., hold
Row obtains the step of fund detail to be refunded of refund client.
6. such as described in any item pairs of claim 3-5 public repayment methods, which is characterized in that the refund information includes refund account
Number, it is described to carry out repayment amount working out distribution based on second priority orders, until the repayment amount completes refund step
Include: later
If detecting, the repayment amount, will be extra more than the corresponding refund account of repayment amount when answering repayment amount, is obtained
Repayment amount is retracted into the refund account；
When detecting that refund process is completed, electronic certificate accreditation processing is carried out.
7. one kind is to public refund device, which is characterized in that described to include: to public refund device
First obtains module, for obtaining the refund information of refund client when detecting refund request；
Matching module, for being based on the corresponding loaning bill product of the refund information matches；
Refund information is sent to the refund of the matched loaning bill product for being based on matched loaning bill product by refund module
Processing subsystem, so that the refund processing subsystem carries out the processing of refund information.
8. one kind is to public refund device, which is characterized in that described to public refund device further include:
Second obtains module, for obtaining the fund detail to be refunded and the fund detail to be refunded of refund client
Second priority orders；
Distribution module, for carrying out repayment amount working out distribution based on second priority orders, until the repayment amount is complete
At refund.
9. one kind is to public refund equipment, which is characterized in that described includes: memory, processor, communication bus to public refund equipment
And be stored on the memory to public refund program,
The communication bus is for realizing the communication connection between processor and memory；
The processor is described to public refund program for executing, to realize as described in any one of claims 1 to 6 to public affairs
The step of repayment method.
10. a kind of computer readable storage medium, which is characterized in that the computer class is read to be stored with to public affairs also on storage medium
Money program, described realize when being executed by processor to public refund program refund to public affairs as of any of claims 1-6
The step of method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710906464.2A CN109584033A (en) | 2017-09-28 | 2017-09-28 | To public repayment method, device, equipment and computer readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710906464.2A CN109584033A (en) | 2017-09-28 | 2017-09-28 | To public repayment method, device, equipment and computer readable storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109584033A true CN109584033A (en) | 2019-04-05 |
Family
ID=65914558
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| Application Number | Title | Priority Date | Filing Date |
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| CN201710906464.2A Pending CN109584033A (en) | 2017-09-28 | 2017-09-28 | To public repayment method, device, equipment and computer readable storage medium |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN112686689A (en) * | 2020-12-18 | 2021-04-20 | 深圳市亚联讯网络科技有限公司 | Intelligent charging system |
| CN113822660A (en) * | 2021-10-09 | 2021-12-21 | 京东科技控股股份有限公司 | Data processing method and device, electronic equipment and medium |
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| CN202102504U (en) * | 2011-04-26 | 2012-01-04 | 中国工商银行股份有限公司 | Repayment data processing device and system |
| CN105205716A (en) * | 2015-10-28 | 2015-12-30 | 平安科技（深圳）有限公司 | Credit card repayment method and device |
| CN106886943A (en) * | 2016-05-12 | 2017-06-23 | 国泰人寿保险股份有限公司 | Real-time borrowing and repaying system and method |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN202102504U (en) * | 2011-04-26 | 2012-01-04 | 中国工商银行股份有限公司 | Repayment data processing device and system |
| CN105205716A (en) * | 2015-10-28 | 2015-12-30 | 平安科技（深圳）有限公司 | Credit card repayment method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN112686689A (en) * | 2020-12-18 | 2021-04-20 | 深圳市亚联讯网络科技有限公司 | Intelligent charging system |
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Application publication date: 20190405 |