CN109727115A - Credit handles method, apparatus, equipment and readable storage medium storing program for executing - Google Patents
Credit handles method, apparatus, equipment and readable storage medium storing program for executing Download PDFInfo
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- 238000000034 method Methods 0.000 title description 9
- 238000003672 processing method Methods 0.000 claims abstract description 32
- 238000004891 communication Methods 0.000 claims description 29
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- 229910052737 gold Inorganic materials 0.000 description 6
- 238000010586 diagram Methods 0.000 description 4
- 238000004140 cleaning Methods 0.000 description 3
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Abstract
The invention discloses a kind of credit processing method, apparatus, equipment and readable storage medium storing program for executing, the credit processing method includes: when detecting that user successfully refunds on credit all-in-one machine, the refund information of user is obtained, and the refund information is broadcasted on credit one unit；Refund information based on the broadcast obtains user's accrediting amount to be released；The accrediting amount to be released is subjected to release processing, so that user carries out the credit of the corresponding amount of money again.The present invention solve in the prior art user refund after line of credit cannot discharge in time, influence user again credit the technical issues of.
Description
Technical field
The present invention relates to credit field more particularly to a kind of credit processing method, apparatus, equipment and readable storage medium storing program for executing.
Background technique
Currently, traditional credit agency's backstage refund data sharing process is: daily in the determining time at data summarization
Section summarizes the refund data of user, and carries out cleaning normalization operation to refund data, thus the refund data on the same day the next day
Tidal data recovering could be completed, each credit agency is sent to after collecting, then by the refund data collected, due to the refund on the same day
Data the next day can just be sent to each credit agency, thus cause credit agency's line of credit discharge delay, cause user
Credit or the credit of corresponding amount cannot cannot be carried out in time again in time, thus reduce after user borrows and experience.
Summary of the invention
The main purpose of the present invention is to provide a kind of credit processing method, apparatus, equipment and readable storage medium storing program for executing, it is intended to
Solve in the prior art user refund after line of credit cannot discharge in time, influence user again credit the technical issues of.
To achieve the above object, the present invention provides a kind of credit processing method, and the credit processing method is applied to credit
Integrated system, the credit integrated system include the credit application corresponding with credit all-in-one machine of credit all-in-one machine, the credit processing
Method includes:
When detecting that user successfully refunds on credit all-in-one machine, the refund information of user is obtained, and by the refund
Information is broadcasted on credit one unit；
Refund information based on the broadcast obtains user's accrediting amount to be released；
The accrediting amount to be released is subjected to release processing, so that user carries out the credit of the corresponding amount of money again.
Optionally, the refund information includes amount to pay degree and payback period, the refund information based on the broadcast,
Obtaining user's accrediting amount step to be released includes:
Obtain the first incidence relation of the refund amount and user credit score value that prestore, payback period and user credit score value
The second incidence relation, the credit score of the user is adjusted；
Based on the third incidence relation of the credit score and the accrediting amount prestored, the user after adjustment credit score is determined
The corresponding accrediting amount to be released.
Optionally, described that the accrediting amount to be released is subjected to release processing, so that user carries out corresponding gold again
Include: after the credit step of volume
If credit all-in-one machine or credit all-in-one machine correspond to credit using it is upper detect again credit request when, determine institute
Whether the line of credit for stating user is more than the corresponding accrediting amount；
If the line of credit of user is more than the corresponding accrediting amount, the unacceptable prompt information of credit is generated；
If the line of credit of user is less than the corresponding accrediting amount, obtains the user and recorded on credit all-in-one machine
Authentication information；
The credit request of the user is audited based on the authentication information, when certification passes through, carries out line of credit
The granting of degree.
Optionally, described that the credit request of the user is audited based on the authentication information, when certification passes through,
Include: after the issue step of progress line of credit
When the line of credit of user has been provided, corresponding release information is obtained, and wide on the credit one unit
Broadcast the release information.
Optionally, the refund information for obtaining user, and the refund information is carried out extensively on credit one unit
Broadcasting step includes:
The refund information of user is obtained, obtains and the history credit based on user records, it is used to obtain user-association
Target credit one unit；
The refund information is broadcasted on the target credit one unit.
Optionally, described that the accrediting amount to be released is subjected to release processing, so that user carries out corresponding gold again
Include: after the credit step of volume
The authentication information for obtaining the user obtains the communication account of the user based on the authentication information；
The line of credit that communication account based on the user notifies the user to be discharged.
Optionally, described that the accrediting amount to be released is subjected to release processing, so that user carries out corresponding gold again
Include: before the credit step of volume
Credit processing is carried out to the accrediting amount to be released, and broadcasts the credit information, to avoid credit is repeated.
The present invention also provides a kind of credit processing unit, the credit processing unit is applied to credit integrated system, described
Credit processing unit includes:
First obtains module, for obtaining the refund of user when detecting that user successfully refunds on credit all-in-one machine
Information, and the refund information is broadcasted on credit one unit；
Second obtains module, for the refund information based on the broadcast, obtains user's accrediting amount to be released；
Release module, for the accrediting amount to be released to be carried out release processing, so that user carries out accordingly again
The credit of the amount of money.
Optionally, the second acquisition module includes:
First acquisition unit is refunded for obtaining the first incidence relation of the refund amount prestored Yu user credit score value
Second incidence relation in time limit and user credit score value, is adjusted the credit score of the user；
Determination unit determines adjustment credit for the third incidence relation based on the credit score and the accrediting amount prestored
The user corresponds to the accrediting amount to be released after score value.
Optionally, the credit processing unit further include:
Determining module, if detecting credit again using upper for corresponding to credit in credit all-in-one machine or credit all-in-one machine
When request, determine whether the line of credit of the user is more than the corresponding accrediting amount；
Generation module generates that credit is unacceptable mentions if the line of credit for user is more than the corresponding accrediting amount
Show information；
Third obtains module and obtains the user if the line of credit for user is less than the corresponding accrediting amount
The authentication information recorded on credit all-in-one machine；
Auditing module, for being audited based on the authentication information to the credit request of the user, when certification passes through
When, carry out the granting of line of credit.
Optionally, the credit processing unit further include:
4th obtains module, for obtaining corresponding release information, and described when the line of credit of user has been provided
The release information is broadcasted on credit one unit.
Described first, which obtains module, includes:
Second acquisition unit obtains for obtaining the refund information of user and the history credit based on user records, obtain
The used target credit one unit of user-association；
Radio unit, for broadcasting the refund information on the target credit one unit.
Optionally, the credit processing unit further include:
5th obtains module, for obtaining the authentication information of the user, obtains the user based on the authentication information
Communication account；
Notification module, the line of credit for notifying the user to be discharged for the communication account based on the user.
Optionally, the credit processing unit further include:
Credit module for carrying out credit processing to the accrediting amount to be released, and broadcasts the credit information, with
It avoids repeating credit.
In addition, to achieve the above object, the present invention also provides a kind of credit processing equipment, the credit processing equipment packet
It includes: memory, processor, communication bus and the credit processing routine being stored on the memory,
The communication bus is for realizing the communication connection between processor and memory；
The processor is for executing the credit processing routine, to perform the steps of
When detecting that user successfully refunds on credit all-in-one machine, the refund information of user is obtained, and by the refund
Information is broadcasted on credit one unit；
Refund information based on the broadcast obtains user's accrediting amount to be released；
The accrediting amount to be released is subjected to release processing, so that user carries out the credit of the corresponding amount of money again.
Optionally, the refund information includes amount to pay degree and payback period, the refund information based on the broadcast,
Obtaining user's accrediting amount step to be released includes:
Obtain the first incidence relation of the refund amount and user credit score value that prestore, payback period and user credit score value
The second incidence relation, the credit score of the user is adjusted；
Based on the third incidence relation of the credit score and the accrediting amount prestored, the user after adjustment credit score is determined
The corresponding accrediting amount to be released.
Optionally, described that the accrediting amount to be released is subjected to release processing, so that user carries out corresponding gold again
Include: after the credit step of volume
If credit all-in-one machine or credit all-in-one machine correspond to credit using it is upper detect again credit request when, determine institute
Whether the line of credit for stating user is more than the corresponding accrediting amount；
If the line of credit of user is more than the corresponding accrediting amount, the unacceptable prompt information of credit is generated；
If the line of credit of user is less than the corresponding accrediting amount, obtains the user and recorded on credit all-in-one machine
Authentication information；
The credit request of the user is audited based on the authentication information, when certification passes through, carries out line of credit
The granting of degree.
Optionally, described that the credit request of the user is audited based on the authentication information, when certification passes through,
Include: after the issue step of progress line of credit
When the line of credit of user has been provided, corresponding release information is obtained, and wide on the credit one unit
Broadcast the release information.
Optionally, the refund information for obtaining user, and the refund information is carried out extensively on credit one unit
Broadcasting step includes:
The refund information of user is obtained, obtains and the history credit based on user records, it is used to obtain user-association
Target credit one unit；
The refund information is broadcasted on the target credit one unit.
Optionally, described that the accrediting amount to be released is subjected to release processing, so that user carries out corresponding gold again
Include: after the credit step of volume
The authentication information for obtaining the user obtains the communication account of the user based on the authentication information；
The line of credit that communication account based on the user notifies the user to be discharged.
Optionally, described that the accrediting amount to be released is subjected to release processing, so that user carries out corresponding gold again
Include: before the credit step of volume
Credit processing is carried out to the accrediting amount to be released, and broadcasts the credit information, to avoid credit is repeated.
In addition, to achieve the above object, the present invention also provides a kind of readable storage medium storing program for executing, the readable storage medium storing program for executing storage
Have one perhaps more than one program the one or more programs can be held by one or more than one processor
Row is to be used for:
When detecting that user successfully refunds on credit all-in-one machine, the refund information of user is obtained, and by the refund
Information is broadcasted on credit one unit；
Refund information based on the broadcast obtains user's accrediting amount to be released；
The accrediting amount to be released is subjected to release processing, so that user carries out the credit of the corresponding amount of money again.
The present invention by when detecting that user successfully refunds on credit all-in-one machine, obtaining the refund information of user, and
The refund information is broadcasted on credit one unit；It is to be released to obtain user for refund information based on the broadcast
The accrediting amount；The accrediting amount to be released is subjected to release processing, so that user carries out the credit of the corresponding amount of money again.
Due in this application, after detecting that user refunds, being not required to complete the cleaning normalization operation and remittance of refund data
After collection, the release of line of credit could be completed, but the refund information of user is sent to each credit by way of broadcast
All-in-one machine after each credit all-in-one machine receives refund information, carries out the release of line of credit, in time so that user carries out in time
The credit of corresponding amount, thus the delay of line of credit is avoided, thus present application addresses after the refund of user in the prior art
Line of credit cannot discharge in time, influence user again credit the technical issues of.
Detailed description of the invention
Fig. 1 is the flow diagram of credit processing method first embodiment of the present invention；
Fig. 2 is the flow diagram of credit processing method second embodiment of the present invention；
Fig. 3 is the device structure schematic diagram for the hardware running environment that present invention method is related to.
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 a kind of credit processing method, in the first embodiment of credit processing method of the present invention, referring to figure
1, which includes credit one unit and the credit application in different credit regions, and credit is applied and credit all-in-one machine
Group establishes communication connection, and the credit processing method includes:
When detecting that user successfully refunds on credit all-in-one machine, the refund information of user is obtained, and by the refund
Information is broadcasted on credit one unit；Refund information based on the broadcast obtains user's accrediting amount to be released；
The accrediting amount to be released is subjected to release processing, so that user carries out the credit of the corresponding amount of money again.
Specific step is as follows:
Step S10 obtains the refund information of user, and will when detecting that user successfully refunds on credit all-in-one machine
The refund information is broadcasted on credit one unit；
Credit is exactly a kind of credit line that financial institution authorizes user, and client can to bank loan in this amount
Reduce cumbersome credit inspection, it should be noted that the present embodiment credit processing method is applied to each credit integrated system, should
Credit integrated system includes credit one unit and the credit application in different credit regions, and credit is applied to be set up with credit all-in-one machine
Vertical communication connection, specifically, which can be Agricultural Bank of China's credit ATM machine, Industrial and Commercial Bank of China's credit
The device nodes such as ATM machine, safety bank credit ATM machine, credit application can be user and pass through scanning on corresponding credit all-in-one machine
Downloading mode obtains.
Specifically, it when user refunds, can be operated on credit all-in-one machine, triggering, which is refunded, requests.Letter
It borrows all-in-one machine to be requested according to the refund received, by the corresponding local server of inquiry credit all-in-one machine, obtains the refund of user
The information such as the amount of money, payback period are simultaneously shown, so that user is confirmed whether to refund, after user confirms and refunds, are entered
Refund process generates successful prompt information of refunding after user refunds successfully.
It should be noted that a part of each credit integral mechanism at credit integrated system, each credit all-in-one machine
It communicates with each other, all-in-one machine obtains the refund information of user, wherein in refund information when detecting that user successfully refunds
Repayment amount including user, the refund time of user, the identity information etc. of user will after obtaining the refund information of user
The refund information is broadcasted on credit one unit, mutual with the credit all-in-one machine for conveying operated when user currently refunds
The other credit all-in-one machines communicated receive the refund information, are illustrated to specific embodiment, A credit all-in-one machine and B,
The credits all-in-one machine such as C communication connection, after user refunds successfully on A credit all-in-one machine, to B, the credits all-in-one machine broadcasting user such as C
Refund information, thus, other credit all-in-one machines can check and accept the refund information in real time, it should be noted that in the present embodiment
In, each credit all-in-one machine corresponds to local server and is stored with the information such as the refund state of each user, line of credit, for fast
Speed feedback.It,, can be with when being broadcasted for the problem for avoiding network load that may be present excessive in addition, it is necessary to explanation
Directional broadcasting is selected, specifically, step S10 includes:
Step S11 obtains the refund information of user, obtains and the history credit based on user records, obtain user-association
Used target credit one unit；
The refund information of user is obtained, obtains and the history credit based on user records, it is used to obtain user-association
Target credit one unit, wherein it is used that the used target credit one unit of user-association referred to can be user
The corresponding target credit one unit of target credit one unit or the permanent area of user.
Step S12 broadcasts the refund information on the target credit one unit.
After obtaining target credit one unit, the directional broadcasting of refund information is carried out, is by refund information described
It is broadcasted on target credit one unit, rather than the whole network is broadcasted, it is excessive to avoid network load.
Step S20, the refund information based on the broadcast obtain user's accrediting amount to be released；
Refund information based on the broadcast, obtains user's accrediting amount to be released, and user needs to carry out after refund
The release of line of credit, it should be noted that the refund information includes amount to pay degree and payback period, wherein based on described
The refund information of broadcast, obtaining user's accrediting amount step to be released includes:
Step S21 obtains the first incidence relation of the refund amount and user credit score value prestored, payback period and user
Second incidence relation of credit score, is adjusted the credit score of the user；
It should be noted that the credit score of refund amount and user have preset first incidence relation, payback period
With the second incidence relation of user credit score value, specifically, when refund is not exceeded the time limit, refund amount is higher, the credit score of user
It is bigger to be worth adjustment amplitude, the specific amplitude that adjusts is determined according to the first incidence relation, and if user when not refunding beyond the payback period,
The adjustment amplitude of the time span exceeded according to user, credit score is also different, and the time exceeded is longer, the credit score of user
That deducts is more, this specifically deducts score value and is determined according to the second incidence relation, closes in the refund information for obtaining user, the first association
System should be refunded date and corresponding repayment amount with after the second incidence relation based on the user prestored in credit all-in-one machine, right
The credit score of the user is adjusted.
Step S22, based on the third incidence relation of the credit score and the accrediting amount prestored, after determining adjustment credit score
The user corresponds to the accrediting amount to be released.
It should be noted that the third incidence relation of the credit score and the accrediting amount that prestore is obtained after user refunds,
The user corresponds to the accrediting amount to be released after determining adjustment credit score, specifically:
Determine whether the refund amount of the user constitutes a part of the accrediting amount, when a part for constituting the accrediting amount
When, the accrediting amount to be released includes the increase amount of the accrediting amount after repayment amount and adjustment credit score.When with
When the refund amount at family does not constitute a part of the accrediting amount, the accrediting amount to be released includes awarding after adjusting credit score
Believe the increase amount of amount.Wherein, the increase amount is according to the third incidence relation of the credit score and the accrediting amount prestored, when
When credit score increases, the accrediting amount increases, and when credit score is reduced, the accrediting amount is reduced.It is carried out to specific embodiment
Illustrate, when user refund 50000 yuan when, if the credit score of user increases 10 points, become 728 points, and the credit volume of the user
Degree is 100,000 yuan, after increasing 10 points based on credit score, and the increase amount of user is 10,000 yuan, if then the refund amount of user is not
When constituting a part of the accrediting amount, then the accrediting amount to be released of user is 10,000 yuan after refund, if the refund amount of user
When constituting a part of the accrediting amount, then the accrediting amount to be released of user is 60,000 yuan after refund.
The accrediting amount to be released is carried out release processing, so that user carries out the corresponding amount of money again by step S30
Credit.
The accrediting amount to be released is subjected to release processing, so that user carries out the credit of the corresponding amount of money again,
After obtaining amount to be released, release processing is carried out to the amount to be released, specifically, increases or reduce the corresponding credit of user
Amount.
The present invention by when detecting that user successfully refunds on credit all-in-one machine, obtaining the refund information of user, and
The refund information is broadcasted on credit one unit；It is to be released to obtain user for refund information based on the broadcast
The accrediting amount；The accrediting amount to be released is subjected to release processing, so that user carries out the credit of the corresponding amount of money again.
Due in this application, after detecting that user refunds, being not required to complete the cleaning normalization operation and remittance of refund data
After collection, the release of line of credit could be completed, but the refund information of user is sent to each credit by way of broadcast
All-in-one machine after each credit all-in-one machine receives refund information, carries out the release of line of credit, in time so that user carries out in time
The credit of corresponding amount, thus the delay of line of credit is avoided, thus present application addresses after the refund of user in the prior art
Line of credit cannot discharge in time, influence user again credit the technical issues of.
Further, the present invention provides another embodiment of credit processing method, in this embodiment, it is described will it is described to
The accrediting amount of release carries out release processing, so that the credit step that user carries out the corresponding amount of money again includes: later
Step S40, if correspond to credit in credit all-in-one machine or credit all-in-one machine detects that credit is requested using upper again
When, determine whether the line of credit of the user is more than the corresponding accrediting amount；
It should be noted that after user's accrediting amount to be released discharges, if being examined again on credit all-in-one machine
When measuring credit request, it is thus necessary to determine that whether the line of credit of the user is more than the corresponding accrediting amount, even detects use
Family again credit when, need to judge the secondary credit whether excess, in addition, being examined again if corresponding to credit in credit all-in-one machine using upper
When measuring credit request, also need whether the line of credit for determining the user is more than the corresponding accrediting amount, wherein credit one
Machine and corresponding credit application constitute the closed loop of intelligent credit.
Step S50 generates the unacceptable prompt letter of credit if the line of credit of user is more than the corresponding accrediting amount
Breath.
If the line of credit of user is more than the corresponding accrediting amount, the unacceptable prompt information of credit is generated, wherein should
The content of prompt information can be: " line of credit has surpassed, and please borrow the credit lower than * * * * amount ".
In addition, in the present embodiment, credit is corresponded in credit all-in-one machine detect that credit is requested again using upper if described
When, determine whether the line of credit of the user is more than that corresponding accrediting amount step includes: later
Step S60 obtains the user in credit one if the line of credit of user is less than the corresponding accrediting amount
The authentication information recorded on machine；
In the present embodiment, it if the line of credit of user is less than the corresponding accrediting amount, obtains the user and is believing
Borrow the authentication information recorded on all-in-one machine, wherein it should be noted that when user is when corresponding credit applies upper progress credit,
Also it needs to obtain the authentication information that the user records on the corresponding credit all-in-one machine of credit application, it should be noted that credit is answered
With the authentication information that can obtain user from the memory of corresponding credit all-in-one machine.
Step S70 audits the credit request of the user based on the authentication information, when certification passes through, into
The granting of row line of credit.
The credit request of the user is audited based on the authentication information, when certification passes through, carries out line of credit
The granting of degree after the credit request for receiving user, no longer carries out complicated review process in the present embodiment, but only
It wants the certification of user to pass through, then carries out the granting of line of credit.Wherein, authentication information includes the certification of identity.
In the present embodiment, if being detected again by corresponding to credit in credit all-in-one machine or credit all-in-one machine using upper
When credit is requested, determine whether the line of credit of the user is more than the corresponding accrediting amount；If the line of credit of user is more than
When the corresponding accrediting amount, the unacceptable prompt information of credit is generated.If the line of credit of user is less than corresponding credit volume
When spending, the authentication information that the user records on credit all-in-one machine is obtained；Based on the authentication information to the letter of the user
It borrows request to be audited, when certification passes through, carries out the granting of line of credit.The present embodiment can judge in time whether user leads to
Credit is crossed, avoids complicated review process, the user experience is improved.
Further, the present invention provides another embodiment of credit processing method, in this embodiment, described based on described
Authentication information audits the credit request of the user, when certification passes through, after the issue step for carrying out line of credit
Include:
Step A1 obtains corresponding release information, and in the credit all-in-one machine when the line of credit of user has been provided
The release information is broadcasted in group.
In the present embodiment, when the line of credit of user has been provided, corresponding release information is obtained, and in the credit
The release information is broadcasted on integrated unit, line of credit is corresponded to avoid credit and updates not in time, it should be noted that at this
In embodiment, if having determined that user's accrediting amount to be released, but before not carrying out the release to the accrediting amount, need by believing
The credit for borrowing all-in-one machine progress line of credit obtains corresponding credit information when one of credit all-in-one machine credit, and
The credit information is broadcasted, to avoid credit is repeated.
In the present embodiment, by obtaining corresponding release information, and described when the line of credit of user has been provided
The release information is broadcasted on credit one unit.The present embodiment broadcasts in time after line of credit granting, user is avoided to pass through
Multiple credit causes credit excess degree.
Further, the present invention provides another embodiment of credit processing method, in this embodiment, it is described will it is described to
The accrediting amount of release carries out release processing, so that the credit step that user carries out the corresponding amount of money again includes: later
Step S60 obtains the authentication information of the user, and the communication account of the user is obtained based on the authentication information
Number；
The authentication information for obtaining the user obtains the communication account of the user based on the authentication information, wherein should
Communication account can be the phone number of user, WeChat ID etc..
Step S70, the line of credit that the communication account based on the user notifies the user to be discharged.
The line of credit that communication account based on the user notifies the user to be discharged, so that user carries out letter again
It borrows.
In the present embodiment, by obtaining the authentication information of the user, the user is obtained based on the authentication information
Communication account；The line of credit that communication account based on the user notifies the user to be discharged.The present embodiment notice is used
The line of credit that family is discharged, so that user receives in time, the user experience is improved.
Referring to Fig. 3, Fig. 3 is the device structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to.
Credit processing equipment of the embodiment of the present invention can be PC, 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 3) terminal devices such as player, portable computer.
As shown in figure 3, the credit processing equipment may include: processor 1001, such as CPU, 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, which can also include user interface, network interface, camera, RF (Radio
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 will be understood by those skilled in the art that the processing device structure of credit shown in Fig. 3 is not constituted to credit processing
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 credit processing routine.Operating system is to manage and control the program of credit processing device hardware and software resource,
Support the operation of credit processing routine 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 credit processing equipment.
In credit processing equipment shown in Fig. 3, processor 1001 is for executing the loan department stored in memory 1005
The step of managing program, realizing credit processing method described in any of the above embodiments.
Credit processing equipment specific embodiment of the present invention and above-mentioned each embodiment of credit processing method are essentially identical, herein
It repeats no more.
The present invention also provides a kind of credit processing unit, the credit processing unit includes:
First obtains module, for obtaining the refund of user when detecting that user successfully refunds on credit all-in-one machine
Information, and the refund information is broadcasted on credit one unit；
Second obtains module, for the refund information based on the broadcast, obtains user's accrediting amount to be released；
Release module, for the accrediting amount to be released to be carried out release processing, so that user carries out accordingly again
The credit of the amount of money.
Credit processing unit specific embodiment of the present invention and above-mentioned each embodiment of credit processing method are essentially identical, herein
It repeats no more.
The present invention provides a kind of readable storage medium storing program for executing, the readable storage medium storing program for executing is stored with one or more than one journey
Sequence, the one or more programs can also be executed by one or more than one processor for realizing above-mentioned
The step of credit processing method described in one.
Readable storage medium storing program for executing specific embodiment of the present invention and above-mentioned each embodiment of credit processing method are essentially identical, herein
It repeats no more.
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. a kind of credit processing method, which is characterized in that the credit processing method is applied to credit integrated system, the credit one
System system includes credit one unit and the credit application in different credit regions, and credit is applied to be communicated with the foundation of credit all-in-one machine group
Connection, the credit processing method include:
When detecting that user successfully refunds on credit all-in-one machine, the refund information of user is obtained, and by the refund information
It is broadcasted on credit one unit；
Refund information based on the broadcast obtains user's accrediting amount to be released；
The accrediting amount to be released is subjected to release processing, so that user carries out the credit of the corresponding amount of money again.
2. credit processing method as described in claim 1, which is characterized in that the refund information includes amount to pay degree and refunds
In the time limit, the refund information based on the broadcast, obtaining user's accrediting amount step to be released includes:
Obtain the first incidence relation of the refund amount that prestores and user credit score value, the of payback period and user credit score value
Two incidence relations are adjusted the credit score of the user；
Based on the third incidence relation of the credit score and the accrediting amount prestored, the user is corresponding after determining adjustment credit score
The accrediting amount to be released.
3. credit processing method as described in claim 1, which is characterized in that described to carry out the accrediting amount to be released
Release processing, so that the credit step that user carries out the corresponding amount of money again includes: later
If credit all-in-one machine or credit all-in-one machine correspond to credit using it is upper detect again credit request when, determine the use
Whether the line of credit at family is more than the corresponding accrediting amount；
If the line of credit of user is more than the corresponding accrediting amount, the unacceptable prompt information of credit is generated；
If the line of credit of user is less than the corresponding accrediting amount, obtain that the user records on credit all-in-one machine recognizes
Demonstrate,prove information；
The credit request of the user is audited based on the authentication information, when certification passes through, carries out line of credit
It provides.
4. credit processing method as claimed in claim 3, which is characterized in that described to be based on the authentication information to the user
Credit request audited, when certification passes through, carry out include: after the issue step of line of credit
When the line of credit of user has been provided, corresponding release information is obtained, and broadcast institute on the credit one unit
State release information.
5. credit processing method as described in claim 1, which is characterized in that the refund information for obtaining user, and by institute
It states refund information and carries out Broadcast step on credit one unit and include:
The refund information of user is obtained, obtains and the history credit based on user records, obtain the used target of user-association
Credit one unit；
The refund information is broadcasted on the target credit one unit.
6. credit processing method as described in any one in claim 1-5, which is characterized in that described by the credit to be released
Amount carries out release processing, so that the credit step that user carries out the corresponding amount of money again includes: later
The authentication information for obtaining the user obtains the communication account of the user based on the authentication information；
The line of credit that communication account based on the user notifies the user to be discharged.
7. credit processing method as described in any one in claim 1-5, which is characterized in that described by the credit to be released
Amount carries out release processing, so that the credit step that user carries out the corresponding amount of money again includes: before
Credit processing is carried out to the accrediting amount to be released, and broadcasts the credit information, to avoid credit is repeated.
8. a kind of credit processing unit, which is characterized in that the credit processing unit is applied to credit integrated system, the credit one
System system includes credit one unit and the credit application in different credit regions, and credit is applied to be communicated with the foundation of credit all-in-one machine group
Connection, the credit processing unit include:
First obtains module, for when detecting that user successfully refunds on credit all-in-one machine, obtaining the refund information of user,
And the refund information is broadcasted on credit one unit；
Second obtains module, for the refund information based on the broadcast, obtains user's accrediting amount to be released；
Release module, for the accrediting amount to be released to be carried out release processing, so that user carries out the corresponding amount of money again
Credit.
9. a kind of credit processing equipment, which is characterized in that the credit processing equipment includes: memory, processor, communication bus
And it is stored in the credit processing routine on the memory,
The communication bus is for realizing the communication connection between processor and memory；
The processor is for executing the credit processing routine, to realize the credit as described in any one of claims 1 to 7
The step of processing method.
10. a kind of readable storage medium storing program for executing, which is characterized in that credit processing routine is stored on the readable storage medium storing program for executing, it is described
It realizes when credit processing routine is executed by processor such as the step of credit processing method of any of claims 1-7.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810478745.7A CN109727115A (en) | 2018-05-18 | 2018-05-18 | Credit handles method, apparatus, equipment and readable storage medium storing program for executing |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810478745.7A CN109727115A (en) | 2018-05-18 | 2018-05-18 | Credit handles method, apparatus, equipment and readable storage medium storing program for executing |
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