CN109801154A - Credit refund configuration method, device, equipment and storage medium - Google Patents
Credit refund configuration method, device, equipment and storage medium Download PDFInfo
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Abstract
The invention discloses a kind of credit refund configuration methods, comprising the following steps: receives refund configuring request, obtains the user identifier in the refund configuring request；The associated assessment information of the user identifier is obtained, is judged whether to authorize the user identifier corresponding Debit User refund configuration permission according to the assessment information；If authorizing the Debit User to refund configuration permission, initial refund information to be configured is obtained, is currently refunded information so that the Debit User is based on the initial refund information configuration；The current refund information for receiving the Debit User configuration generates strategy of refunding according to the current refund information.The invention also discloses a kind of credit refund configuration device, equipment and storage mediums.By the analysis to Debit User credit big data in the present invention, credit refund flexible configuration is realized, so that credit refund is more convenient.
Description
Technical field
The present invention relates to field of computer technology more particularly to credit refund configuration method, device, equipment and storage to be situated between
Matter.
Background technique
With the fast development of electronic banking, credit payment is used by more and more people.
In order to facilitate the life of user, user uses a variety of credit payment methods simultaneously, such as credit card, third-party platform
Deng.But it is different credit payment method to refund all in accordance with the credit mode of repayment of each self-retaining, user simultaneously cannot root
It refunds according to actual financial situation, thus always there is user " the case where robbing Peter to pay Paul " occur, for example, white collar first wage
Being is monthly 10 days granting day, and the repayment date of credit card A is monthly 9 days, in order to avoid overdue situation white collar first utilizes credit
Account B refunds to credit card A credit accounts, refunds in paying out wages and then to credit accounts B；How effectively
Ground avoids above situation, so that credit refund is more flexible to become a technical problem to be solved urgently.
Summary of the invention
The main purpose of the present invention is to provide the storages of a kind of credit refund configuration method, device, equipment and computer to be situated between
Matter, it is intended to credit refund flexible configuration is realized, so that credit refund is more convenient.
To achieve the above object, the present invention provides a kind of credit refund configuration method, the credit refund configuration method packet
Include following steps:
Refund configuring request is received, the user identifier in the refund configuring request is obtained；
The associated assessment information of the user identifier is obtained, judges whether that authorizing the user marks according to the assessment information
Know corresponding Debit User refund configuration permission；
Permission is configured if authorizing the Debit User and refunding, initial refund information to be configured is obtained, for the letter
It borrows user and is based on the initial refund information configuration and currently refund information；
The current refund information for receiving the Debit User configuration generates refund plan according to the current refund information
Slightly.
Optionally, described to obtain the associated assessment information of user identifier, judge whether to award according to the assessment information
Give the step of corresponding Debit User refund of the user identifier configures permission, comprising:
Presetting database is inquired, the corresponding assessment information of the user identifier is obtained, wherein the assessment information includes sign
Letter information；
The reference information is handled by default code of points, obtains the user identifier and correspond to the credit of Debit User commenting
Point；
When the credit scoring of the Debit User is higher than preset threshold, the Debit User refund configuration permission is authorized.
Optionally, if described authorize the Debit User refund configuration permission, initial refund information to be configured is obtained,
For the Debit User be based on the initial refund information configuration currently refund information the step of after, comprising:
The credit scoring of the Debit User is obtained, default adjusting parameter table is inquired, obtains the default adjusting parameter table
Described in the corresponding adjusting range of credit scoring, and the current refund information is compared with the adjusting range；
If the current refund information is more than the adjusting range, output adjustment prompt, to prompt the Debit User
Adjust the current refund information；
If the current refund information is no more than the adjusting range, executes and receive the described of the Debit User configuration
Current refund information generates the step for strategy of refunding according to the current refund information.
Optionally, if described authorize the Debit User refund configuration permission, initial refund information to be configured is obtained
The step of, comprising:
Permission is configured if authorizing the Debit User and refunding, obtains the corresponding credit accounts of the Debit User, for
The Debit User selection target credit accounts；
When the quantity of the target credit accounts is greater than or equal to two, summarize the refund of each target credit accounts
Information forms initial refund information to be configured；
When the quantity of the target credit accounts is one, by the refund information in the target credit accounts, as
Initial refund information to be configured.
Optionally, the current refund information for receiving the Debit User configuration, believes according to the current refund
Breath generates the step for strategy of refunding, comprising:
The current refund information for receiving the Debit User configuration, obtains the current letter in the current refund information
Borrow mode of repayment and current repayment date；
Obtain initial refund information initial credit mode of repayment and initial repayment date, judge the current credit refund side
Whether formula and the initial credit mode of repayment are identical；
If the current credit mode of repayment is identical as the initial credit mode of repayment, the current refund will be calculated
The refund difference of day and the initial repayment date generate strategy of refunding；
If the current credit mode of repayment is different from the initial credit mode of repayment, refund by the current credit
The refund computation rule processing current refund information of mode generates strategy of refunding.
Optionally, described to obtain the associated assessment information of user identifier, judge whether to award according to the assessment information
Give the corresponding Debit User of the user identifier refund configuration permission the step of after, comprising:
Permission is configured if not authorizing the Debit User and refunding, the prompt information for not authorizing permission is exported, for described
Debit User inquiry.
Optionally, the current refund information for receiving the Debit User configuration, believes according to the current refund
Breath generates after the step for strategy of refunding, comprising:
Credit refund request is received, the user identifier in the credit refund request is obtained；
The corresponding refund strategy of the user identifier is obtained, and refund amount is determined according to the refund strategy, and export
Refund amount prompt information is refunded with prompting the user identifier to correspond to Debit User by the refund amount；
When receiving the repayment amount more than the refund amount, generates to refund and complete prompt voucher.
In addition, to achieve the above object, the present invention also provides a kind of credit refund configuration device, the credit, which is refunded, to be configured
Device includes:
Request receiving module obtains the user identifier in the refund configuring request for receiving refund configuring request；
Permission determining module judges for obtaining the associated assessment information of the user identifier according to the assessment information
Whether authorize the user identifier corresponding Debit User refund configuration permission；
Information collocation module, if refunding configuration permission for authorizing the Debit User, obtain it is to be configured it is initial also
Money information is currently refunded information so that the Debit User is based on the initial refund information configuration；
Policy generation module, for receiving the current refund information of the Debit User configuration, according to described current
Refund information generates strategy of refunding.
In addition, to achieve the above object, refunding the present invention also provides a kind of credit and configuring equipment；
Credit configuration equipment of refunding includes: memory, processor and is stored on the memory and can be described
The computer program run on processor, in which:
The computer program realizes the step of credit refund configuration method as described above when being executed by the processor.
In addition, to achieve the above object, the present invention also provides computer storage mediums；
Computer program, the realization when computer program is executed by processor are stored in the computer storage medium
Such as the step of above-mentioned credit refund configuration method.
A kind of credit refund configuration method, device, equipment and the computer storage medium that the embodiment of the present invention proposes, pass through
Refund configuring request is received, the user identifier in the refund configuring request is obtained；Obtain the associated assessment of the user identifier
Information judges whether to authorize the user identifier corresponding Debit User refund configuration permission according to the assessment information；If awarding
The Debit User refund configuration permission is given, then initial refund information to be configured is obtained, so that the Debit User is based on institute
Initial refund information configuration is stated currently to refund information；The current refund information for receiving the Debit User configuration, according to institute
It states current refund information and generates strategy of refunding.When receiving refund configuring request, server obtains to be used server in the present invention
Family identifies corresponding assessment information, and server assesses Debit User to obtain credit scoring according to assessment information, in credit
When the credit scoring of user is higher than preset threshold, server authorizes Debit User refund configuration permission, is not increasing in the application
Under the premise of credit risk, Debit User is allowed to carry out the flexible configuration of credit refund, at the same time, server according to
The refund information of family configuration, generates credit refund strategy, so that user refunds, operation is more convenient.
Detailed description of the invention
Fig. 1 is the apparatus structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to；
Fig. 2 is the flow diagram of credit refund configuration method first embodiment of the present invention；
Fig. 3 is the functional block diagram of one embodiment of credit refund configuration device 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 primary solutions of the embodiment of the present invention are: receiving refund configuring request, obtain in the refund configuring request
User identifier；The associated assessment information of the user identifier is obtained, judges whether to authorize the use according to the assessment information
Family identifies corresponding Debit User refund configuration permission；Permission is configured if authorizing the Debit User and refunding, is obtained to be configured
Initial refund information, currently refund information so that the Debit User is based on the initial refund information configuration；Described in reception
The current refund information of Debit User configuration generates strategy of refunding according to the current refund information.
Since the corresponding credit mode of repayment of credit product or credit accounts of each type is all to consolidate in the prior art
Surely, that is, user must refund according to the rule of credit product or credit accounts；The present invention provides a kind of solution party
Case allows Debit User to carry out the configuration of credit refund according to Debit User demand, more convenient, the example so that credit is refunded
Such as, user passes through the flexible configuration of credit refund information, and the mode of repayment of standard is freely combined, by a loan by not
Several segments are split into amount of money ratio and loan period period, the sum of each section capital accounting is the lump-sum amount of the loan, respectively
The sum of time limit of section is to provide a loan total time limit, and each section uses different modes of repayment, the capital accounting of flexible configuration segment
And mode of repayment, loan repayment scene needed for being combined into client, refund setting can independently be carried out by meeting user, so that also
Money mode meets the actual demand of user, and can be more flexible and convenient.
As shown in Figure 1, the server that Fig. 1 is the hardware running environment that the embodiment of the present invention is related to (is called credit also
Money configures equipment, wherein credit configuration equipment of refunding can be and be made of individual credit refund configuration device, be also possible to by
Other devices are combined with credit refund configuration device and to be formed) structural schematic diagram.
Server of the embodiment of the present invention refers to a management resource and provides the computer of service for user, is generally divided into file
Server, database server and apps server.The computer or computer system for running the above software are also referred to as
Server.For common PC (personal computer) personal computer, server is in stability, safety, property
Energy etc. requires higher；As shown in Figure 1, the server may include: processor 1001, such as central processing unit
(Central Processing Unit, CPU), network interface 1004, user interface 1003, memory 1005, communication bus
1002, hardware such as chipset, disk system, network etc..Wherein, communication bus 1002 is for realizing the connection between these components
Communication.User interface 1003 may include display screen (Display), input unit such as keyboard (Keyboard), optional user
Interface 1003 can also include standard wireline interface and wireless interface.Network interface 1004 optionally may include having for standard
Line interface, wireless interface (such as Wireless Fidelity WIreless-FIdelity, WIFI interface).Memory 1005 can be high speed with
Machine accesses memory (random access memory, RAM), is also possible to stable memory (non-volatile
), such as magnetic disk storage memory.Memory 1005 optionally can also be the storage dress independently of aforementioned processor 1001
It sets.
Optionally, server can also include camera, RF (Radio Frequency, radio frequency) circuit, sensor, sound
Frequency circuit, WiFi module；Input unit, than display screen, touch screen；Network interface can be blue in blanking wireless interface in addition to WiFi
Tooth, probe etc..It will be understood by those skilled in the art that server architecture shown in Fig. 1 does not constitute the restriction to server,
It may include perhaps combining certain components or different component layouts than illustrating more or fewer components.
As shown in Figure 1, the computer software product, which is stored in a storage medium, (storage medium: is called computer storage
Medium, computer media, readable medium, readable storage medium storing program for executing, computer readable storage medium are directly medium etc., storage
Medium can be non-volatile readable storage medium, such as RAM, magnetic disk, CD) in, including some instructions use is so that an end
End equipment (can be mobile phone, computer, server, air conditioner or the network equipment etc.) executes each embodiment institute of the present invention
The method stated, as may include operating system, network communication module, use in a kind of memory 1005 of computer storage medium
Family interface module and computer program.
In server shown in Fig. 1, network interface 1004 be mainly used for connect background data base, with background data base into
Row data communication；User interface 1003 is mainly used for connection client, and (client, is called user terminal or terminal, and the present invention is implemented
Example terminal can be also possible to mobile terminal with fixed terminal, e.g., intelligent air condition, intelligent electric lamp, intelligent power with network savvy,
Intelligent sound box, autonomous driving vehicle, PC, smart phone, tablet computer, E-book reader, portable computer etc., are wrapped in terminal
Containing sensor such as optical sensor, motion sensor and other sensors, details are not described herein), data are carried out with client
Communication；And processor 1001 can be used for calling the computer program stored in memory 1005, and it is real to execute the present invention or less
Step in the credit refund configuration method of example offer is provided.
The first embodiment of the present invention proposes a kind of credit refund configuration method, specifically includes:
Refund configuring request is received, the user identifier in the refund configuring request is obtained；
The associated assessment information of the user identifier is obtained, judges whether that authorizing the user marks according to the assessment information
Know corresponding Debit User refund configuration permission；
Permission is configured if authorizing the Debit User and refunding, initial refund information to be configured is obtained, for the letter
It borrows user and is based on the initial refund information configuration and currently refund information；
The current refund information for receiving the Debit User configuration generates refund plan according to the current refund information
Slightly.
It is applied to server (being called credit refund configuration platform) as shown in Figure 1 in the present embodiment, the server and each
A lending platforms are communicatively coupled, that is, server is connected from different banks or micro-credit Platform communication, can be carried out
Credit data transmission, that is to say, that the credit refund information in different platform can be arranged in user on the server；For example, with
Family is configured by credit card repayment information of the server to Construction Bank, safety bank etc., so that Construction Bank, safety
The credit card of bank etc. is carried out while being refunded, in addition, server can call corresponding presetting database, wherein preset data
The assessment information of different type Debit User is saved in library, for example, assessment information includes: reference information, the registration of real estate movable property
Information, the flowing water information of each lending platforms, loan information of history etc..
Referring to Fig. 2, in a kind of first embodiment of credit refund configuration method of the present invention, the credit refund configuration method
Include:
Step S10 receives refund configuring request, obtains the user identifier in the refund configuring request.
User can trigger refund configuring request at the terminal, wherein and the mode of triggering refund configuring request is not construed as limiting,
Refund configuring request is sent to server by terminal, and server receives refund configuring request, obtains in the refund configuring request
User identifier, wherein user identifier refers to the identification information of unique identification Debit User, for example, when Debit User is individual,
The user identifier of Debit User can for user identity demonstrate,prove number, address name, when Debit User is enterprise, the use of Debit User
Family identifies the register name that can be enterprise.
Step S20 obtains the associated assessment information of the user identifier, judges whether to authorize institute according to the assessment information
State the corresponding Debit User refund configuration permission of user identifier.
After server gets user identifier, server also needs to obtain the corresponding assessment information of the user identifier,
To be judged whether to authorize the user identifier corresponding Debit User refund configuration permission according to assessment information, specifically, comprising:
Step a1 inquires presetting database, obtains the corresponding assessment information of the user identifier, wherein the assessment letter
Breath includes reference information；
Step b1 handles the reference information by default code of points, obtains the user identifier and correspond to Debit User
Credit scoring；
Step c1 authorizes the Debit User refund and matches when the credit scoring of the Debit User is higher than preset threshold
Set permission.
That is, server inquires presetting database, the corresponding assessment information of user identifier described in presetting database, clothes are obtained
The reference information being engaged in device acquisition assessment information, server press default code of points and handle the reference information, wherein preset and comment
Divider is then the rule of pre-set reference information normalized, obtains the credit scoring of the Debit User, for example, clothes
Device be engaged according in default code of points processing reference information: income information, collection information, credit card information, house mortgage are borrowed
Money release information, credit line information, obtain corresponding income scoring, collection scoring, credit card hair fastener audit scoring, house by
Take off loan origination audit scoring, credit line appraises and decides scoring etc..Then, each scoring is weighted and averaged by server, is obtained
Comprehensive credit scoring judges whether to authorize the user identifier corresponding Debit User with the credit scoring according to Debit User
It refunds and configures permission.It should be added that server can also remove reference information according in assessment information in the present embodiment
Except other information, or the assessment information of each type is integrated, judges whether that authorizing Debit User refund sets
Permission is set, the present embodiment does not repeat.
After credit scoring is calculated, server judges whether to authorize Debit User also according to the height of credit scoring
Money configures permission, that is, credit scoring is compared by server with preset threshold, wherein preset threshold refers to pre-set
Credit scoring critical value, preset threshold are arranged as the case may be, are higher than preset threshold in the credit scoring of the Debit User
When, the Debit User refund configuration permission is authorized, when the credit scoring of the Debit User is less than or equal to preset threshold,
Do not authorize the user identifier corresponding Debit User refund configuration permission.Server does not authorize the Debit User refund configuration
Permission then exports the prompt information for not authorizing permission, for Debit User inquiry.
Server assesses Debit User to obtain credit scoring according to assessment information in the present embodiment, in Debit User
Credit scoring when being higher than preset threshold, server authorizes Debit User and refunds configuration permission, is not increasing credit in the application
Under the premise of risk, Debit User is allowed to carry out the flexible configuration of credit refund.
Step S30 configures permission if authorizing the Debit User and refunding, obtains initial refund information to be configured, with
The initial refund information configuration is based on for the Debit User currently to refund information.
Permission is configured if authorizing the Debit User and refunding, server obtains initial refund information to be configured, wherein
Initial refund information can be the credit consumption refund information an of credit accounts, can also be that the credit of multiple credit accounts disappears
Take refund information, specifically:
Step a2 configures permission if authorizing the Debit User and refunding, obtains the corresponding credit account of the Debit User
Family, for the Debit User selection target credit accounts.
Step b2 summarizes each target credit account when the quantity of the target credit accounts is greater than or equal to two
The refund information at family forms initial refund information to be configured.
Step c2 believes the refund in the target credit accounts when the quantity of the target credit accounts is one
Breath, as initial refund information to be configured.
That is, server can get the credit consumption information of whole credit accounts under the user identifier by user identifier
With credit refund information, server shows the account of the corresponding whole credit accounts of Debit User Identification, and user can be with
One or more credit accounts is selected to carry out refund configuration, the credit accounts that server selects Debit User are believed as target
Borrow account；When the quantity of the target credit accounts is greater than or equal to two, server summarizes each target credit accounts
Refund information, form initial refund information to be configured.When the quantity of the target credit accounts is one, server will
Refund information in the target credit accounts, as initial refund information to be configured.After the initial refund information of determination,
Server shows initial refund information, currently refunds so that the Debit User is based on the initial refund information configuration
Information.
That is, user carries out refund configuration to initial refund information, current refund information is obtained, for example, information of initially refunding
In include credit accounts A correspond to small amount consumption refund information: repayment date monthly 10 days；Credit accounts B corresponds to credit consumption
House mortgage loan, refund information: repayment date monthly 20 days, the equal capital of mode of repayment, every amount of monthly repayment degree are 3640 yuan, are used
The initial refund information of credit accounts A Yu credit accounts B are arranged by server simultaneously for family, that is, user is by credit accounts A and believes
It is both configured to monthly 15 days with the repayment date of account B.User can carry out credit refund to multiple credit accounts in the present embodiment
Unified configuration so that the configuration of user's credit is more efficient.
Step S40 receives the current refund information of the Debit User configuration, raw according to the current refund information
At strategy of refunding.
Server receives the current refund information of the Debit User configuration, and generates corresponding refund strategy, tool
Body: after server receives the current refund information of the Debit User configuration, server acquisition is described currently to be gone back
Current credit mode of repayment and current repayment date in money information, server obtain the initial credit refund side of initial refund information
Current mode of repayment is compared by formula and initial repayment date, server with initial mode of repayment, judges the current credit also
Whether money mode and the initial credit mode of repayment are identical；For example, current mode of repayment is equal capital, initial mode of repayment
It is also equal capital, then current credit mode of repayment is identical as initial credit mode of repayment.
If the current credit mode of repayment is identical as the initial credit mode of repayment, server will work as described in calculating
The refund difference of preceding repayment date and the initial repayment date generates strategy of refunding；For example, the current refund letter that server receives
Breath adjusted for credit accounts A repayment date to be adjusted to monthly 15 days from monthly 10 days, by credit accounts B repayment date from monthly 20 days
It is monthly 15 days, then current refund information handle the refund interest rate of corresponding adjustment first month by server, to obtain letter
Strategy of refunding is borrowed, so that user refunds according to credit policies.
If current mode of repayment is equal capital, initial mode of repayment is equal principal, then current credit mode of repayment with
Initial credit mode of repayment is different；If the current credit mode of repayment is different from the initial credit mode of repayment, by institute
The refund computation rule processing current refund information for stating current credit mode of repayment generates strategy of refunding.That is, server is pressed
Corresponding refund interest rate is adjusted according to current mode of repayment, server is calculated according to refund interest rate and loaning bill amount payback period etc.
To refund amount, server generates current mode of repayment according to the refund amount being calculated and corresponding refund strategy is arranged.
For server when receiving refund configuring request, server obtains the corresponding assessment letter of user identifier in the present invention
Breath, server are assessed Debit User to obtain credit scoring, be higher than in the credit scoring of Debit User according to assessment information
When preset threshold, server authorizes Debit User configuration permission of refunding to be made in the application under the premise of not increasing credit risk
The flexible configuration of credit refund can be carried out by obtaining Debit User, at the same time, refund information of the server according to user configuration, life
It refunds at credit tactful, so that user refunds, operation is more convenient.
Further, on the basis of first embodiment of the invention, the of credit refund configuration method of the present invention is proposed
Two embodiments.
Server is provided with the adjusting range of Debit User according to the credit scoring of Debit User in the present embodiment, to prevent
Credit, which is refunded, configures the credit risk of band, and the credit refund configuration method includes:
Step S50 obtains the credit scoring of the Debit User, inquires default adjusting parameter table, obtains the default tune
The corresponding adjusting range of credit scoring described in whole parameter list, and the current refund information is compared with the adjusting range
Compared with.
After the current refund information that server receives Debit User configuration, server judges Debit User configuration
Current refund information whether over range, specifically, server obtains the credit scoring of the Debit User, wherein the present embodiment
The credit scoring of middle Debit User is identical as in first embodiment, does not repeat in the present embodiment, and server inquiry is default to adjust
Whole parameter list, default adjusting parameter table refer to the adjustable extent parameter list previously according to credit scoring setting, for example, default adjustment
Credit scores 5 points in parameter list, and adjustable credit refund number of days is 5 days etc., and server obtains described in default adjusting parameter table
The corresponding adjusting range of credit scoring, and the current refund information is compared with the adjusting range.
It should be added that: the corresponding adjusting range of credit scoring in the present embodiment refers under the credit scoring
The adjusting range of different refund parameters, for example, credit scoring was the adjusting range of 6 points of corresponding refund number of days less than 6 days, refund side
The adjusting range of formula is lower than two kinds etc., and server is when the current refund information of progress is compared with the adjusting range
Refund number of days in current refund information is compared with the refund number of days in adjusting range, by going back in current refund information
Money mode type is compared with the mode of repayment type in adjusting range.
Step S60, if the current refund information is more than the adjusting range, output adjustment prompt, described in prompt
Debit User adjusts the current refund information；
If the current refund information is more than the adjusting range, that is, if there are a refund to join in current refund information
The adjusting range more than the parameter is counted, then server exports prompt information, to prompt the Debit User adjustment is described currently to go back
Money information, in addition, server executes step in first embodiment if the current refund information is no more than the adjusting range
S40: receiving the current refund information of the Debit User configuration, generates strategy of refunding according to the current refund information
Step.Corresponding adjusting range is arranged according to the credit scoring of Debit User in server in the present embodiment, is flexibly being believed
While borrowing adjustment, it can also be ensured that the safety of credit and loan adjustment policy.
Further, it proposes on the basis of the above embodiments, the third of credit refund configuration method of the present invention is implemented
Example, the credit refund configuration method include:
Step S70 receives credit refund request, obtains the user identifier in the credit refund request.
After credit refunds configuration completion, user can trigger credit also based on the credit refund information being provided with
Money request, server receive credit refund request, obtain the credit refund and request corresponding user identifier.
Step S80 obtains the corresponding refund strategy of the user identifier, and determines amount to pay according to the refund strategy
Degree, and refund amount prompt information is exported, it is gone back with prompting the user identifier to correspond to Debit User by the refund amount
Money.
Server obtains the corresponding refund strategy of the user identifier, and server obtains current information and according to strategy of refunding
Transaction scene of refunding is determined with current information, that is, server determines refund scene, refund scene by tactful and current information of refunding
Include: general refund, overdue refund, payment beforehand in full, part payment beforehand, reservation payment beforehand, refund by hand, current generation
Repay the accounts class transaction such as general refund, compensatory payment beforehand in full；For example, comprising repayment date be monthly 20 days in strategy of refunding,
Current time is this month 22, and it is overdue refund that server, which obtains refund scene, and server determines overdue time span, is serviced
Overdue time span is compared device with default refund interest table, determines overdue corresponding refund interest rate.Then, server
The standard refund amount in the strategy of refunding is obtained, server obtains amount to pay according to refund interest rate adjustment standard refund amount
Degree, and refund amount prompt information is exported, it is gone back with prompting the user identifier to correspond to Debit User by the refund amount
Money.
Step S90 is generated to refund and is completed prompt voucher when receiving the repayment amount more than the refund amount.
When server receives the corresponding repayment amount of refund amount, generates to refund and complete prompt information.In this implementation
User can carry out refund setting based on the credit refund information of user configuration in example, so that setting of refunding is more convenient.
In addition, the embodiment of the present invention also proposes a kind of credit refund configuration device referring to Fig. 3, the credit, which is refunded, to be configured
Device includes:
Request receiving module 10 obtains the user identifier in the refund configuring request for receiving refund configuring request；
Permission determining module 20 is sentenced for obtaining the associated assessment information of the user identifier according to the assessment information
It is disconnected whether to authorize the user identifier corresponding Debit User refund configuration permission；
Information collocation module 30 obtains to be configured initial if refunding configuration permission for authorizing the Debit User
Refund information is currently refunded information so that the Debit User is based on the initial refund information configuration；
Policy generation module 40 is worked as receiving the current refund information of the Debit User configuration according to described
Preceding refund information generates strategy of refunding.
Optionally, the permission determining module 20, comprising:
Information query unit obtains the corresponding assessment information of the user identifier for inquiring presetting database, wherein
The assessment information includes reference information；
Score computing unit, and for handling the reference information by default code of points, it is corresponding to obtain the user identifier
The credit scoring of Debit User；
Right grant unit authorizes the credit when being higher than preset threshold for the credit scoring in the Debit User
User, which refunds, configures permission.
Optionally, the credit refund configuration device, comprising:
Range comparison module inquires default adjusting parameter table, obtains institute for obtaining the credit scoring of the Debit User
State the corresponding adjusting range of credit scoring described in default adjusting parameter table, and by the current refund information and the adjustment model
It encloses and is compared；
Configuration prompt mode, if being more than the adjusting range for the current refund information, output adjustment is prompted, with
The Debit User is prompted to adjust the current refund information；
If the current refund information is no more than the adjusting range, implementation strategy generation module 40 receives the letter
The current refund information for borrowing user configuration generates the step for strategy of refunding according to the current refund information.
Optionally, the information collocation module 30, comprising:
Account selection unit, if obtaining the Debit User pair for authorizing the Debit User refund configuration permission
The credit accounts answered, for the Debit User selection target credit accounts；
Information collection unit when being greater than or equal to two for the quantity in the target credit accounts, summarizes each described
The refund information of target credit accounts forms initial refund information to be configured；
Information acquisition unit, for the quantity in the target credit accounts be one when, by the target credit accounts
In refund information, as initial refund information to be configured.
Optionally, the policy generation module 40, comprising:
Information receiving unit obtains described current for receiving the current refund information of the Debit User configuration
Current credit mode of repayment and current repayment date in refund information；
Obtain judging unit, for obtain initial refund information initial credit mode of repayment and initial repayment date, judgement
Whether the current credit mode of repayment and the initial credit mode of repayment are identical；
First generation unit, if identical as the initial credit mode of repayment for the current credit mode of repayment,
The refund difference of the current repayment date Yu the initial repayment date will be calculated, strategy of refunding is generated；
Second generation unit, if different from the initial credit mode of repayment for the current credit mode of repayment,
Strategy of refunding is generated by the refund computation rule processing current refund information of the current credit mode of repayment.
Optionally, the credit refund configuration device, comprising:
Cue module, if exporting the prompt for not authorizing permission for not authorizing the Debit User refund configuration permission
Information, for Debit User inquiry.
Optionally, the credit refund configuration device, comprising:
Refund receiving module obtains the user identifier in the credit refund request for receiving credit refund request；
Cue module is obtained, for obtaining the corresponding refund strategy of the user identifier, and really according to the refund strategy
Surely it refunds amount, and exports refund amount prompt information, to prompt the user identifier to correspond to Debit User by the amount to pay
Degree is refunded；
Voucher generation module is completed to mention for when receiving the repayment amount more than the refund amount, generating to refund
Show voucher.
Wherein, the step of each Implement of Function Module of credit refund configuration device can refer to credit refund configuration of the present invention
Each embodiment of method, details are not described herein again.
In addition, the embodiment of the present invention also proposes a kind of computer storage medium.
Computer program, the realization when computer program is executed by processor are stored in the computer storage medium
Operation in credit refund configuration method provided by the above embodiment.
It should be noted that, in this document, relational terms such as first and second and the like are used merely to a reality
Body/operation/object is distinguished with another entity/operation/object, without necessarily requiring or implying these entity/operations/
There are any actual relationship or orders between object；The terms "include", "comprise" or its any other variant meaning
Covering non-exclusive inclusion, so that the process, method, article or the system that include a series of elements not only include that
A little elements, but also including other elements that are not explicitly listed, or further include for this process, method, article or
The intrinsic element of system.In the absence of more restrictions, the element limited by sentence "including a ...", is not arranged
Except there is also other identical elements in process, method, article or the system for including the element.
For device embodiment, since it is substantially similar to the method embodiment, related so describing fairly simple
Place illustrates referring to the part of embodiment of the method.The apparatus embodiments described above are merely exemplary, wherein making
It may or may not be physically separated for the unit of separate part description.In can selecting according to the actual needs
Some or all of the modules realize the purpose of the present invention program.Those of ordinary skill in the art are not making the creative labor
In the case where, it can it understands and implements.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone,
Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
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, is included within the scope of the present invention.
Claims (10)
1. a kind of credit refund configuration method, which is characterized in that the credit refund configuration method the following steps are included:
Refund configuring request is received, the user identifier in the refund configuring request is obtained；
The associated assessment information of the user identifier is obtained, judges whether to authorize the user identifier pair according to the assessment information
The Debit User answered, which is refunded, configures permission；
Permission is configured if authorizing the Debit User and refunding, obtains initial refund information to be configured, for credit use
Family is based on the initial refund information configuration and currently refunds information；
The current refund information for receiving the Debit User configuration generates strategy of refunding according to the current refund information.
2. credit refund configuration method as described in claim 1, which is characterized in that the acquisition user identifier is associated
Information is assessed, is judged whether to authorize the corresponding Debit User refund configuration permission of the user identifier according to the assessment information
Step, comprising:
Presetting database is inquired, the corresponding assessment information of the user identifier is obtained, wherein the assessment information includes reference letter
Breath；
The reference information is handled by default code of points, obtains the credit scoring that the user identifier corresponds to Debit User；
When the credit scoring of the Debit User is higher than preset threshold, the Debit User refund configuration permission is authorized.
3. credit refund configuration method as claimed in claim 2, which is characterized in that if described authorize the Debit User refund
Permission is configured, then obtains initial refund information to be configured, so that the Debit User is based on the initial refund information configuration
After the step of current refund information, comprising:
The credit scoring of the Debit User is obtained, default adjusting parameter table is inquired, obtains institute in the default adjusting parameter table
The corresponding adjusting range of credit scoring is stated, and the current refund information is compared with the adjusting range；
If the current refund information is more than the adjusting range, output adjustment prompt, to prompt the Debit User to adjust
The current refund information；
If the current refund information is no more than the adjusting range, executes and receive the described current of the Debit User configuration
Refund information generates the step for strategy of refunding according to the current refund information.
4. credit refund configuration method as described in claim 1, which is characterized in that if described authorize the Debit User refund
The step of configuring permission, then obtaining initial refund information to be configured, comprising:
Permission is configured if authorizing the Debit User and refunding, the corresponding credit accounts of the Debit User are obtained, for described
Debit User selection target credit accounts；
When the quantity of the target credit accounts is greater than or equal to two, summarize the refund letter of each target credit accounts
Breath, forms initial refund information to be configured；
When the quantity of the target credit accounts is one, by the refund information in the target credit accounts, as wait match
The initial refund information set.
5. credit refund configuration method as described in claim 1, which is characterized in that described to receive what the Debit User configured
The current refund information generates the step for strategy of refunding according to the current refund information, comprising:
The current refund information of the Debit User configuration is received, the current credit in the acquisition current refund information is also
Money mode and current repayment date；
Obtain initial refund information initial credit mode of repayment and initial repayment date, judge the current credit mode of repayment with
Whether the initial credit mode of repayment is identical；
If the current credit mode of repayment is identical as the initial credit mode of repayment, will calculate the current repayment date with
The refund difference of the initial repayment date generates strategy of refunding；
If the current credit mode of repayment is different from the initial credit mode of repayment, by the current credit mode of repayment
The refund computation rule processing current refund information generate strategy of refunding.
6. credit refund configuration method as described in claim 1, which is characterized in that the acquisition user identifier is associated
Information is assessed, is judged whether to authorize the corresponding Debit User refund configuration permission of the user identifier according to the assessment information
After step, comprising:
Permission is configured if not authorizing the Debit User and refunding, the prompt information for not authorizing permission is exported, for the credit
User query.
7. credit refund configuration method as described in claim 1, which is characterized in that described to receive what the Debit User configured
The current refund information is generated according to the current refund information after refunding tactful step, comprising:
Credit refund request is received, the user identifier in the credit refund request is obtained；
The corresponding refund strategy of the user identifier is obtained, and refund amount is determined according to the refund strategy, and export refund
Amount prompt information is refunded with prompting the user identifier to correspond to Debit User by the refund amount；
When receiving the repayment amount more than the refund amount, generates to refund and complete prompt voucher.
8. a kind of credit refund configuration device, which is characterized in that the credit refund configuration device includes:
Request receiving module obtains the user identifier in the refund configuring request for receiving refund configuring request；
Permission determining module judges whether for obtaining the associated assessment information of the user identifier according to the assessment information
Authorize the user identifier corresponding Debit User refund configuration permission；
Information collocation module, if obtaining initial refund letter to be configured for authorizing the Debit User refund configuration permission
Breath is currently refunded information so that the Debit User is based on the initial refund information configuration；
Policy generation module, for receiving the current refund information of the Debit User configuration, according to the current refund
Information generates strategy of refunding.
The configuration equipment 9. a kind of credit is refunded, which is characterized in that it includes: memory, processor that the credit, which refunds and configures equipment,
And it is stored in the computer program that can be run on the memory and on the processor, in which:
Realize that the credit as described in any one of claims 1 to 7 is refunded when the computer program is executed by the processor
The step of configuration method.
10. a kind of computer storage medium, which is characterized in that be stored with computer program, institute in the computer storage medium
It states realizing the credit refund configuration method as described in any one of claims 1 to 7 when computer program is executed by processor
Step.
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| CN201811531174.5A CN109801154A (en) | 2018-12-13 | 2018-12-13 | Credit refund configuration method, device, equipment and storage medium |
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| CN201811531174.5A CN109801154A (en) | 2018-12-13 | 2018-12-13 | Credit refund configuration method, device, equipment and storage medium |
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Application publication date: 20190524 |