CN109840842A - Refund processing method, device, equipment and readable storage medium storing program for executing - Google Patents
Refund processing method, device, equipment and readable storage medium storing program for executing Download PDFInfo
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- CN109840842A CN109840842A CN201711232059.3A CN201711232059A CN109840842A CN 109840842 A CN109840842 A CN 109840842A CN 201711232059 A CN201711232059 A CN 201711232059A CN 109840842 A CN109840842 A CN 109840842A
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Abstract
The invention discloses a kind of refund processing method, device, equipment and readable storage medium storing program for executing, the refund processing method includes: to show refund parameter setting interface when detecting that user terminal changes repayment schedule；Obtain user terminal target refund parameter selected by the refund parameter setting interface；Based on the target refund parameter, new repayment schedule is generated, so that user refunds.Present invention seek to address that existing refund technological adaptability is low, user, which refunds, experiences low technical problem.
Description
Technical field
The present invention relates to field of computer technology more particularly to a kind of refund processing method, device, equipment and readable storages
Medium.
Background technique
User needs to refund within the time limit of specified after the lending agencies such as bank select loan product, however, existing
During having refund, the mode that user repays the loan at present is relatively simple, changes in user's economic conditions and needs to change repayment side
It needs to handle complicated formality when formula, i.e., existing refund adaptability is low, this reduces the refund experience of user to a certain extent.
Summary of the invention
The main purpose of the present invention is to provide a kind of refund processing method, device, equipment and readable storage medium storing program for executing, it is intended to
Solve that existing refund technological adaptability is low, user, which refunds, experiences low technical problem.
To achieve the above object, the present invention provides a kind of refund processing method, and the refund processing method includes:
When detecting that user terminal changes repayment schedule, refund parameter setting interface is shown；
Obtain user terminal target refund parameter selected by the refund parameter setting interface；
Based on the target refund parameter, new repayment schedule is generated, so that user refunds.
Optionally, the target refund parameter includes target payment period and target mode of repayment, described to be based on the mesh
Refund parameter is marked, generating new repayment schedule step includes:
Target mode of repayment is chosen, the first mapping relations of target mode of repayment and refund algorithm based on selection obtain
Target refund algorithm, wherein mode of repayment includes that staged is refunded, equal principal is refunded, equal capital is refunded, disposably goes back
One of money, tranquillization repayment of principal refund and fixed proportion/amount of money refund is a variety of；
It obtains user terminal and waits for repayment amount, based on described to repayment amount, target payment period and target refund algorithm,
It generates each issue of repayment amount and refunds the time.
Optionally, it is described based on described to repayment amount, target payment period and target refund algorithm, generate each issue also
Include: after the money amount of money and time step of refunding
It based on each issue of repayment amount and refunds the time, refund prompting message is automatically generated, each issue of refund time
The refund prompting message is sent to user terminal in preset time period before cut-off.
Optionally, the refund prompting message is sent in the preset time period before the time cut-off of refunding at each issue
User terminal step includes:
Based on the schedule information prestored, the preset time period before each issue of time cut-off of refunding is divided into the work hours
Duan Yufei work hours section；
The refund prompting message is sent to user terminal in the non-work hours section.
Optionally, described to be based on the target refund parameter, new repayment schedule is generated, so that user carries out refund step
Later further include:
It obtains the income expenditure historical bills of user terminal and corresponds to deposit information, to obtain the repaying ability of user terminal
Value；
When the repaying ability value of user terminal is lower than each issue of repayment amount, alarm sounds information is generated, to prompt user terminal
Whether the repayment schedule is confirmed.
Optionally, the income expenditure historical bills for obtaining user terminal and corresponding deposit information, to obtain user terminal
Repaying ability value step include:
It obtains the income expenditure historical bills of user terminal and corresponds to deposit information, used with being obtained in each payment period
The also remaining sum at family end；
Based on the second mapping relations of the also remaining sum and the repaying ability value of user terminal, the repayment energy of user terminal is obtained
Force value.
Optionally, described to generate alarm sounds information when the repaying ability value of user terminal is lower than each issue of repayment amount, with
Whether prompt user terminal confirms that the repayment schedule step includes: later
When user terminal confirms the repayment schedule, the credit value of user terminal is obtained；
When the credit value is lower than preset value, forbid using the repayment schedule.
In addition, to achieve the above object, the present invention also provides a kind of refund processing unit, the automatic test device packet
It includes:
Display module, for showing refund parameter setting interface when detecting that user terminal changes repayment schedule；
First obtains module, joins for obtaining user terminal target selected by the refund parameter setting interface and refunding
Number；
Module is chosen, for being based on the target refund parameter, new repayment schedule is generated, so that user refunds.
Optionally, the selection module includes:
Submodule is chosen, for choosing target mode of repayment, the of target mode of repayment based on selection and refund algorithm
One mapping relations obtain target refund algorithm, wherein mode of repayment includes that staged is refunded, equal principal is refunded, equal capital
One of refund, disposable refund, tranquillization repayment of principal refund and fixed proportion/amount of money refund is a variety of；
First acquisition submodule waits for repayment amount for obtaining user terminal, is refunded week based on described to repayment amount, target
Phase and target refund algorithm generate each issue of repayment amount and refund the time.
Optionally, the selection module further include:
Promoter module, for generating submodule, for based on each issue of repayment amount and refund time, automatic life
At refund prompting message, the refund prompting message is sent to user in the preset time period before time cut-off of refunding at each issue
End.
Optionally, the refund prompting message is sent in the preset time period before the time cut-off of refunding at each issue
User terminal step includes:
Based on the schedule information prestored, the preset time period before each issue of time cut-off of refunding is divided into the work hours
Duan Yufei work hours section；
The refund prompting message is sent to user terminal in the non-work hours section.
Optionally, the refund processing unit further include:
Second obtains module, and the income for obtaining user terminal pays historical bills and corresponding deposit information, to obtain
The repaying ability value of user terminal；
Generation module, for generating alarm sounds information when the repaying ability value of user terminal is lower than each issue of repayment amount,
To prompt whether user terminal confirms the repayment schedule.
Optionally, the second acquisition module includes:
Second acquisition submodule, the income for obtaining user terminal pay historical bills and corresponding deposit information, with
The also remaining sum of user terminal is obtained in each payment period；
Third acquisition submodule is closed for the second mapping based on the also remaining sum and the repaying ability value of user terminal
System, obtains the repaying ability value of user terminal.
Optionally, the refund processing unit further include:
Third obtains module, for obtaining the credit value of user terminal when user terminal confirms the repayment schedule；
Disabled module, for forbidding using the repayment schedule when the credit value is lower than preset value.
In addition, to achieve the above object, the present invention also provides a kind of refund processing equipment, the refund processing equipment packet
It includes: memory, processor, communication bus and the refund 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 refund processing routine, to perform the steps of
When detecting that user terminal changes repayment schedule, refund parameter setting interface is shown；
Obtain user terminal target refund parameter selected by the refund parameter setting interface；
Based on the target refund parameter, new repayment schedule is generated, so that user refunds.
Optionally, the target refund parameter includes target payment period and target mode of repayment, described to be based on the mesh
Refund parameter is marked, generating new repayment schedule step includes:
Target mode of repayment is chosen, the first mapping relations of target mode of repayment and refund algorithm based on selection obtain
Target refund algorithm, wherein mode of repayment includes that staged is refunded, equal principal is refunded, equal capital is refunded, disposably goes back
One of money, tranquillization repayment of principal refund and fixed proportion/amount of money refund is a variety of；
It obtains user terminal and waits for repayment amount, based on described to repayment amount, target payment period and target refund algorithm,
It generates each issue of repayment amount and refunds the time.
Optionally, it is described based on described to repayment amount, target payment period and target refund algorithm, generate each issue also
Include: after the money amount of money and time step of refunding
It based on each issue of repayment amount and refunds the time, refund prompting message is automatically generated, each issue of refund time
The refund prompting message is sent to user terminal in preset time period before cut-off.
Optionally, the refund prompting message is sent in the preset time period before the time cut-off of refunding at each issue
User terminal step includes:
Based on the schedule information prestored, the preset time period before each issue of time cut-off of refunding is divided into the work hours
Duan Yufei work hours section；
The refund prompting message is sent to user terminal in the non-work hours section.
Optionally, described to be based on the target refund parameter, new repayment schedule is generated, so that user carries out refund step
Later further include:
It obtains the income expenditure historical bills of user terminal and corresponds to deposit information, to obtain the repaying ability of user terminal
Value；
When the repaying ability value of user terminal is lower than each issue of repayment amount, alarm sounds information is generated, to prompt user terminal
Whether the repayment schedule is confirmed.
Optionally, the income expenditure historical bills for obtaining user terminal and corresponding deposit information, to obtain user terminal
Repaying ability value step include:
It obtains the income expenditure historical bills of user terminal and corresponds to deposit information, used with being obtained in each payment period
The also remaining sum at family end；
Based on the second mapping relations of the also remaining sum and the repaying ability value of user terminal, the repayment energy of user terminal is obtained
Force value.
Optionally, described to generate alarm sounds information when the repaying ability value of user terminal is lower than each issue of repayment amount, with
Whether prompt user terminal confirms that the repayment schedule step includes: later
When user terminal confirms the repayment schedule, the credit value of user terminal is obtained；
When the credit value is lower than preset value, forbid using the repayment schedule.
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 terminal changes repayment schedule, refund parameter setting interface is shown；
Obtain user terminal target refund parameter selected by the refund parameter setting interface；
Based on the target refund parameter, new repayment schedule is generated, so that user refunds.
The present invention is by showing refund parameter setting interface when detecting that user terminal changes repayment schedule；Obtain user
Hold the target refund parameter selected by the refund parameter setting interface；Based on the target refund parameter, new go back is generated
Money plan, so that user refunds.I.e. in this application, user terminal, which is realized, voluntarily formulates or changes on line meter of refunding
It draws, formulates or change repayment schedule detailed process can be: based on user terminal target selected by refund parameter setting interface
Refund parameter generates new repayment schedule.Thus user terminal directlys adopt new repayment schedule when user's economic conditions change
, do not need to handle complicated formality, thus present application addresses existing refund technological adaptability is low, user's refund body
Test low technical problem.
Detailed description of the invention
Fig. 1 is the flow diagram of refund processing method first embodiment of the present invention；
Fig. 2 is the flow diagram of refund 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 refund processing method, in the first embodiment of refund processing method of the present invention, referring to figure
1, the refund processing method includes:
Step S10 shows refund parameter setting interface when detecting that user terminal changes repayment schedule；
It should be noted that refund processing method is applied to refund processing unit, in the present embodiment, user terminal can pass through
Refund function on loaning bill APP is refunded, or can be by wechat, and the application such as Alipay be refunded, in detail below with
It is illustrated for refunding on loaning bill APP.
The present embodiment can realize the selection or change of multiple modes of repayment, user by the refund function on loaning bill APP
Hold choose perhaps change refund processing unit after mode of repayment based on this also chooses after or change after the generation such as money mode
Repayment schedule, for user terminal refund.
When detecting user terminal on loaning bill APP and clicking or touch the change icon of change repayment schedule, generate more
Change the instruction of repayment schedule, be based on the instruction, refund processing unit shows refund parameter setting interface, wherein refund parameter is set
Refund parameter on demarcation face includes refund issue, the limit setting of each issue repayment amount, mode of repayment etc., wherein is needed
Bright, the partial payment parameter in refund parameter setting interface has interaction relation, i.e., when mode of repayment difference, ginseng of refunding
When the possible difference of number setting namely mode of repayment difference, which can be corresponded to specific refund parameter, be used
It is illustrated with specific embodiment, parameter of specifically refunding in fixed proportion mode of repayment can be refund ratio.
Step S20 obtains user terminal target refund parameter selected by the refund parameter setting interface；
Detect user terminal touch change repayment schedule icon when, loaning bill APP show refund parameter setting interface for
User terminal is set or is changed, and when being set, user terminal can refund in refund parameter setting interface selection target
Mode, target refund issue etc., when being modified, user terminal can be individually adjusted one of refund parameter,
Can also the adjustment of multiple refund parameter combinations, be illustrated to specific embodiment, can only one refund parameter of adjustment as refunded
Issue, can also the adjustment of multiple refund parameter combinations, such as adjust refund issue, mode of repayment etc. simultaneously.
It should be noted that if detecting use when detecting that refund parameter set by user terminal has linkage parameter
After one of refund parameter is completed in the setting of family end, linkage parameter progress adaptability is shown or adjustment is handled, to specific
Embodiment is illustrated, if user terminal refund parameter setting interface select fixed proportion mode of repayment when, refund parameter setting
The parameter of interface simultaneous display refund ratio.
Step S30 is based on the target refund parameter, new repayment schedule is generated, so that user refunds.
Wherein, target refund parameter includes target mode of repayment, wherein mode of repayment is staged refund, equal principal
The one or more of refund, the refund of equal capital, disposable refund, tranquillization repayment of principal refund and fixed proportion/amount of money refund etc.
Mode of repayment, when target mode of repayment is multinomial, obtain the corresponding refund issue of the multinomial target mode of repayment or
It refunds the time.After choosing target mode of repayment, based on the target refund parameter and target mode of repayment, new refund is generated
Plan, so that user refunds.
Referring to Fig. 2, the target refund parameter includes target payment period and target mode of repayment, described to be based on the mesh
Refund parameter is marked, generating new repayment schedule step includes:
Step S31 chooses target mode of repayment, and the first mapping of target mode of repayment and refund algorithm based on selection is closed
System obtains target refund algorithm, wherein mode of repayment includes that staged is refunded, equal principal is refunded, the refund of equal capital, one
Secondary property is refunded, tranquillization is repaid principal one of refund and fixed proportion/amount of money refund or a variety of；
It should be noted that the first mapping for prestoring target mode of repayment and refund algorithm in refund processing unit is closed
System is choosing target mode of repayment, and the first mapping relations of target mode of repayment and refund algorithm based on selection obtain target
Refund algorithm, is illustrated to specific embodiment, and when target mode of repayment is equal principal mode of repayment, target, which is refunded, to be calculated
Method can be: W1=(Q1 × P × ((1+P) ∧ M1))) ÷ ((1+P)∧M1-1), K=Q2 × P, Q4=W1-K, when target refund side
When formula is equal capital mode of repayment, target refund algorithm be can be: Q4=W2 ÷ M2, K=Q3 × P, W1=Q4+K；When working as target
When mode of repayment is fixed capital/ratio, staged mode of repayment, target refund algorithm be can be: Q4=W2 × d, K=Q3 × P,
W1=K+Q4, wherein ^ indicates power, and it is W1, capital Q1, rate per month P, issue M1, each issue of interest that each issue, which is answered amount to pay,
For K, odd corpus Q2, the specified amount of money is W2, and specifying the phase time is M2, and current odd corpus is Q3, and each issue of capital is Q4, this
Golden accounting is d.
Step S32 obtains user terminal and waits for repayment amount, based on described to repayment amount, target payment period and target
Refund algorithm generates each issue of repayment amount and refunds the time.
After obtaining target refund algorithm, user terminal is taken to wait for repayment amount, is refunded week based on described to repayment amount, target
Phase and target refund algorithm generate each issue of repayment amount and refund the time, wherein to repayment amount and above-mentioned capital or
Loan principal is consistent or identical.
It should be noted that in the present embodiment, refund processing unit can be communicated with other third parties such as bank, when
Detect that new repayment schedule is when proposing to other third parties, which to be transmitted to corresponding to other thirds
Side.
The present invention is by showing refund parameter setting interface when detecting that user terminal changes repayment schedule；Obtain user
Hold the target refund parameter selected by the refund parameter setting interface；Based on the target refund parameter, new go back is generated
Money plan, so that user refunds.I.e. in this application, user terminal, which is realized, voluntarily formulates or changes on line meter of refunding
It draws, formulates or change repayment schedule detailed process can be: based on user terminal target selected by refund parameter setting interface
Refund parameter generates new repayment schedule.Thus user terminal directlys adopt new repayment schedule when user's economic conditions change
, do not need to handle complicated formality, thus present application addresses existing refund technological adaptability is low, user's refund body
Test low technical problem.
Further, the present invention provides the second embodiment of refund processing method, in a second embodiment, described to be based on institute
State to repayment amount, target payment period and target refund algorithm, generate each issue of repayment amount and refund time step it
After include:
Step S40, it should be noted that internal refund alarm clock is provided in the refund processing unit of the present embodiment,
Detect that generating repayment schedule generates each issue of repayment amount and after the time of refunding, automatically generate internal refund alarm clock starting and refer to
It enables, is based on the inside refund alarm clock enabled instruction, start internal refund alarm clock.
Step S50 based on each issue of repayment amount and refunds the time, refund prompting message is automatically generated, at each issue
The refund prompting message is sent to user terminal in preset time period before the cut-off of refund time.
After refund alarm clock inside starting, the automatic prompt time that refund alarm clock is arranged, in the present embodiment, the refund is noisy
The prompt time of clock is certain in the preset time period before each issue of refund time cut-off or before each issue of refund time cut-off
Set time point is needed if the prompt time of the refund alarm clock is 7 points of the morning of the previous day before refunding time cut-off at each issue
Illustrate, after the prompt time of refund alarm clock determines, based on each issue of repayment amount and refunds the time, automatically generate
Refund prompting message, wherein it include specifically refunding the time phase in refund prompting message, repayment amount etc., refund prompt
The prompting mode of message can be the mode of voice prompting or short message prompt.
In the present embodiment, by starting internal refund alarm clock；Based on each issue of repayment amount and refund the time, from
It is dynamic to generate refund prompting message, the refund prompting message is sent in the preset time period before time cut-off of refunding at each issue
User terminal.Due to the setting of internal refund alarm clock, remind user terminal in time according to newly-generated or change repayment schedule into
Row is refunded, and the user experience is improved.
Further, the present invention provides the 3rd embodiment of refund processing method, in the third embodiment, described at each issue
The refund prompting message, which is sent to user terminal step, in preset time period before the cut-off of refund time includes:
Preset time period before each issue of time cut-off of refunding is divided by step S51 based on the schedule information prestored
Work hours work hours Duan Yufei section；
Schedule information is prestored in refund processing unit, which divides time into holiday time section, non-vacation
Period, wherein non-holiday time section is subdivided into work hours work hours Duan Yufei section, as work hours section can be
It is 8 points of noon to 6 pm, in the present embodiment, default before the time cut-off that will refund for each issue based on the schedule information prestored
Period is divided into work hours work hours Duan Yufei section, when the previous day before each issue of time of refunding such as being divided into working
Between the Duan Yufei work hours section.
The refund prompting message is sent to user terminal in the non-work hours section by step S52.
In the present embodiment, to avoid refund prompting message to the negative effect that works caused by user terminal, in non-working
Between section the refund prompting message is sent to user terminal.It is illustrated, can end each issue of refund time to specific embodiment
Refund prompting message is sent to user terminal by 8 points of noon before that day.
In the present embodiment, by based on the schedule information prestored, when by default before each issue of time cut-off of refunding
Between section be divided into the work hours work hours Duan Yufei section；The refund prompting message is sent to use in the non-work hours section
Family end.Thus refund prompt information is avoided to give user terminal unfavorable good influence caused by user security risk, the user experience is improved.
Further, the present invention provides the fourth embodiment of refund processing method, in the fourth embodiment, described to be based on institute
State to repayment amount, target payment period and target refund algorithm, generate each issue of repayment amount and refund time step it
Afterwards further include:
Step A1 obtains the income expenditure historical bills of user terminal and corresponds to deposit information, to obtain repaying for user terminal
Also ability value；
Wherein, the income expenditure historical bills for obtaining user terminal and corresponding deposit information, to obtain user terminal
Repaying ability value step includes:
Step A2 obtains the income expenditure historical bills of user terminal and corresponds to deposit information, in each payment period
The interior also remaining sum for obtaining user terminal；
The payment accounts for obtaining user terminal obtain the income expenditure historical bills and right of user terminal based on the payment accounts
Deposit information is answered, when user terminal payment accounts more than one, the phone number based on user terminal carries out each payment accounts
Association, to obtain whole income expenditure historical bills of user terminal, to obtain income expenditure based on income expenditure historical bills
Difference is also obtained the deposit information that user terminal corresponds to user, is obtained and used based on the difference and deposit information after obtaining the difference
The also remaining sum at family end, if user terminal corresponding deposit information is 200,000, the difference for taking in expenditure is 20,000, then user terminal
It can remaining sum be also 220,000.
Step S55 obtains user terminal based on the second mapping relations of the also remaining sum and the repaying ability value of user terminal
Repaying ability value.
Obtain the repaying ability value of user terminal, wherein it should be noted that in the present embodiment, in refund processing unit
The second mapping relations also between remaining sum and the repaying ability value of user terminal for prestoring the user terminal are closed based on second mapping
System obtains the repaying ability value of user terminal, and such as when the also remaining sum of user terminal is 220,000, the repaying ability value of user terminal is 22
The 50% of ten thousand is 110,000.
Step S56 generates alarm sounds information, when the repaying ability value of user terminal is lower than each issue of repayment amount to mention
Show whether user terminal confirms the repayment schedule.
When the repaying ability value of user terminal is lower than each issue of repayment amount, alarm sounds information is generated, to prompt user terminal
Whether the repayment schedule is confirmed.Wherein, when user terminal reaffirms the repayment schedule, user terminal is true to the repayment schedule
Recognize completion.
In the present embodiment, historical bills and corresponding deposit information are paid by obtaining the income of user terminal, to obtain
The repaying ability value of user terminal；When the repaying ability value of user terminal is lower than each issue of repayment amount, alarm sounds information is generated, with
Whether prompt user terminal confirms the repayment schedule.The present embodiment considers the repaying ability value of user terminal caused by repayment schedule
It influences, the user experience is improved.
Further, on the basis of the first embodiment of refund processing method of the present invention, refund processing method is provided
Five embodiments, it is in the 5th embodiment, described when the repaying ability value of user terminal is lower than each issue of repayment amount, it generates alarm and mentions
Show information, includes: to prompt user terminal whether to confirm the repayment schedule step later
Step S57 obtains the credit value of user terminal when user terminal confirms the repayment schedule；
When user terminal confirms the repayment schedule, the credit value of user terminal, the specific table of the credit value of the user terminal are obtained
It is now the corresponding credit value of user terminal payment accounts.
Step S58 forbids when the credit value is lower than preset value using the repayment schedule.
When the credit value is lower than preset value, forbid the repayment schedule using the generation, when the credit value is higher than in advance
If when value, using the repayment schedule of the generation.
In the present embodiment, by obtaining the credit value of user terminal when user terminal confirms the repayment schedule；When described
When credit value is higher than preset value, forbid using the repayment schedule.The present embodiment avoids the undesirable random change repayment schedule of credit.
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.
Refund 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 refund 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).
Refund is handled it will be understood by those skilled in the art that refund processing equipment structure shown in Fig. 3 is not constituted
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 refund processing routine.Operating system is to manage and control the program of refund processing equipment hardware and software resource,
Support the operation of refund 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 refund processing equipment.
In refund processing equipment shown in Fig. 3, processor 1001 is for executing at the refund stored in memory 1005
Program is managed, is performed the steps of
When detecting that user terminal changes repayment schedule, refund parameter setting interface is shown；
Obtain user terminal target refund parameter selected by the refund parameter setting interface；
Based on the target refund parameter, new repayment schedule is generated, so that user refunds.
Further, the target refund parameter includes target payment period and target mode of repayment, described based on described
Target refund parameter, generating new repayment schedule step includes:
Target mode of repayment is chosen, the first mapping relations of target mode of repayment and refund algorithm based on selection obtain
Target refund algorithm, wherein mode of repayment includes that staged is refunded, equal principal is refunded, equal capital is refunded, disposably goes back
One of money, tranquillization repayment of principal refund and fixed proportion/amount of money refund is a variety of；
It obtains user terminal and waits for repayment amount, based on described to repayment amount, target payment period and target refund algorithm,
It generates each issue of repayment amount and refunds the time.
Further, it is described based on described to repayment amount, target payment period and target refund algorithm, generate each issue
Include: after repayment amount and time step of refunding
It based on each issue of repayment amount and refunds the time, refund prompting message is automatically generated, each issue of refund time
The refund prompting message is sent to user terminal in preset time period before cut-off.
Further, the refund prompting message is sent in the preset time period before the time cut-off of refunding at each issue
Include: to user terminal step
Based on the schedule information prestored, the preset time period before each issue of time cut-off of refunding is divided into the work hours
Duan Yufei work hours section；
The refund prompting message is sent to user terminal in the non-work hours section.
Further, described to be based on the target refund parameter, new repayment schedule is generated, so that user carries out also deliberate steps
After rapid further include:
It obtains the income expenditure historical bills of user terminal and corresponds to deposit information, to obtain the repaying ability of user terminal
Value；
When the repaying ability value of user terminal is lower than each issue of repayment amount, alarm sounds information is generated, to prompt user terminal
Whether the repayment schedule is confirmed.
Further, the income expenditure historical bills for obtaining user terminal and corresponding deposit information, to obtain user
The repaying ability value step at end includes:
It obtains the income expenditure historical bills of user terminal and corresponds to deposit information, used with being obtained in each payment period
The also remaining sum at family end；
Based on the second mapping relations of the also remaining sum and the repaying ability value of user terminal, the repayment energy of user terminal is obtained
Force value.
It is further, described to generate alarm sounds information when the repaying ability value of user terminal is lower than each issue of repayment amount,
Include: to prompt user terminal whether to confirm the repayment schedule step later
When user terminal confirms the repayment schedule, the credit value of user terminal is obtained；
When the credit value is lower than preset value, forbid using the repayment schedule.
Refund processing equipment specific embodiment of the present invention and above-mentioned each embodiment of refund 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 such as above-mentioned
The step of described refund processing method.
Readable storage medium storing program for executing specific embodiment of the present invention and above-mentioned each embodiment of refund 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 refund processing method, which is characterized in that the refund processing method includes:
When detecting that user terminal changes repayment schedule, refund parameter setting interface is shown；
Obtain user terminal target refund parameter selected by the refund parameter setting interface；
Based on the target refund parameter, new repayment schedule is generated, so that user refunds.
2. refund processing method as described in claim 1, which is characterized in that the target refund parameter includes that target is refunded week
Phase and target mode of repayment, described to be based on the target refund parameter, generating new repayment schedule step includes:
Target mode of repayment is chosen, the first mapping relations of target mode of repayment and refund algorithm based on selection obtain target
Refund algorithm, wherein mode of repayment includes that staged is refunded, equal principal is refunded, equal capital is refunded, disposably refunds, is quiet
Breath, which is repaid principal, refunds and one of the fixed proportion/amount of money is refunded or one of a variety of or a variety of；
It obtains user terminal and waits for repayment amount, based on described to repayment amount, target payment period and target refund algorithm, generate
Each issue of repayment amount and refund time.
3. refund processing method as claimed in claim 2, which is characterized in that it is described based on described to repayment amount, target also
Money period and target refund algorithm include: after generating each issue of repayment amount and time step of refunding
It based on each issue of repayment amount and refunds the time, automatically generates refund prompting message, end each issue of refund time
The refund prompting message is sent to user terminal in preset time period before.
4. refund processing method as claimed in claim 3, which is characterized in that pre- before the time cut-off of refunding at each issue
Include: if the refund prompting message is sent to user terminal step in the period
Based on the schedule information prestored, by the preset time period before each issue of time cut-off of refunding be divided into work hours section with
Non- work hours section；
The refund prompting message is sent to user terminal in the non-work hours section.
5. refund processing method as claimed in claim 2, which is characterized in that it is described to be based on the target refund parameter, it generates
New repayment schedule, after carrying out refund step for user further include:
It obtains the income expenditure historical bills of user terminal and corresponds to deposit information, to obtain the repaying ability value of user terminal；
When the repaying ability value of user terminal is lower than each issue of repayment amount, alarm sounds information is generated, whether to prompt user terminal
Confirm the repayment schedule.
6. refund processing method as claimed in claim 5, which is characterized in that the income for obtaining user terminal pays history account
List and corresponding deposit information include: to obtain the repaying ability value step of user terminal
It obtains the income expenditure historical bills of user terminal and corresponds to deposit information, to obtain user terminal in each payment period
Also remaining sum；
Based on the second mapping relations of the also remaining sum and the repaying ability value of user terminal, the repaying ability of user terminal is obtained
Value.
7. refund processing method as claimed in claim 5, which is characterized in that described based on also remaining sum and the user terminal
Second mapping relations of repaying ability value, after the repaying ability value step for obtaining user terminal further include:
When user terminal confirms the repayment schedule, the credit value of user terminal is obtained；
When the credit value is lower than preset value, forbid using the repayment schedule.
8. a kind of refund processing unit, which is characterized in that the refund processing unit includes:
Display module, for showing refund parameter setting interface when detecting that user terminal changes repayment schedule；
First obtains module, for obtaining user terminal target refund parameter selected by the refund parameter setting interface；
Module is chosen, for being based on the target refund parameter, new repayment schedule is generated, so that user refunds.
9. a kind of refund processing equipment, which is characterized in that the refund processing equipment includes: memory, processor, communication bus
And it is stored in the refund processing routine on the memory,
The communication bus is for realizing the communication connection between processor and memory；
The processor is for executing the refund processing routine, to realize the refund 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 refund processing routine is stored on the readable storage medium storing program for executing, it is described
It realizes when refund processing routine is executed by processor such as the step of refund processing method of any of claims 1-7.
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Application publication date: 20190604 |