CN111161051A - Repayment date adjusting method and device - Google Patents

Repayment date adjusting method and device Download PDF

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Publication number
CN111161051A
CN111161051A CN201911415652.0A CN201911415652A CN111161051A CN 111161051 A CN111161051 A CN 111161051A CN 201911415652 A CN201911415652 A CN 201911415652A CN 111161051 A CN111161051 A CN 111161051A
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China
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sub
period
periods
data
fund data
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黄文强
季蕴青
张懂
胡玮
易念
胡传杰
浮晨琪
胡路苹
黄雅楠
李蚌蚌
申亚坤
王畅畅
徐晨敏
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Bank of China Ltd
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Bank of China Ltd
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    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof

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Abstract

The invention provides a repayment date adjusting method and a device, wherein the method comprises the following steps: the method comprises the steps of obtaining fund data of a user in each sub-period of one or more periods, sequencing each sub-period of the periods and setting sequence identification, calculating the fund data of the sub-periods with the same sequence identification to obtain standard fund data, setting the sub-period with the same sequence identification and the standard fund data being larger than or equal to a first threshold value as a target sub-period, and adjusting a preset repayment date according to a date corresponding to the target sub-period. The fund condition of the user in the sub-periods of other periods can be judged according to the standard fund data of the sub-periods in the same sequence, so that the fund change condition of the user can be known through the analysis of the fund data of the user in the periods, and the preset repayment date can be flexibly adjusted according to the fund change condition.

Description

Repayment date adjusting method and device
Technical Field
The present application relates to the field of data processing, and in particular, to a method and an apparatus for adjusting a payment date.
Background
With the rapid development of payment technology, consumption through credit cards has become an important means for daily consumption of the public. After the user consumes the loan, the bank sets the payment date of the credit card according to the related information of the user loan, and the user pays according to the specified date.
However, the payment date of the user is usually the time generated according to the bill borrowed by the user or the time of credit card transaction. And after the bank system receives the information of the borrowing of the user, setting a repayment date according to the time. The payment date set by the prior art is determined by the time when the transaction such as credit card or bill establishment is started, and the payment date of the user cannot be flexibly set according to funds in the credit card of the user. This makes the setting of the payment date of the credit card inflexible and unable to meet the user's demand.
Disclosure of Invention
In order to solve the technical problems in the prior art, the application provides a repayment date adjusting method and device, which can flexibly set the repayment date of a user according to fund data of the user.
The embodiment of the application discloses the following technical scheme:
in a first aspect, an embodiment of the present application provides a repayment date adjustment method, where the method includes:
acquiring a user identifier of a target user;
acquiring fund data of each sub-period of the user in one or more periods according to the user identification of the target user; the sub-period comprises one or more days;
sequencing each sub-time period in the time period, and setting a sequence identifier for the sub-time period in sequence;
calculating the capital data of the sub-periods with the same sequence identification to obtain the standard capital data of the sub-periods with the same sequence identification;
setting the sub-periods with the same sequence identification as the standard fund data larger than or equal to a first threshold value as target sub-periods; setting the date corresponding to the target sub-period as a target date;
and acquiring a preset repayment date of the target user in a target time period according to the user identification of the target user, and adjusting the preset repayment date to be the target date.
Optionally, the calculating the fund data sequentially identifying the same sub-period specifically includes:
and removing a maximum value and a minimum value from the fund data sequentially identifying the same sub-period in each period, and then carrying out summation average calculation.
Optionally, when the fund data is the first fund data and the second fund data, the calculating the fund data sequentially identifying the same sub-period to obtain the standard fund data sequentially identifying the same sub-period includes:
calculating first fund data of sub-periods with the same sequence identification in the time period to obtain first standard fund data of the sub-periods with the same sequence identification;
calculating second fund data of the sub-periods with the same sequence identification in the time period to obtain second standard fund data of the sub-periods with the same sequence identification;
and performing weighted calculation on the first standard fund and the second standard fund which sequentially identify the same sub-period to obtain standard fund data.
Optionally, the sorting the sub-periods in the period includes: and sequencing each sub-period in the period according to the time sequence.
Optionally, when the period is a plurality of periods, the period is: a plurality of time periods having a similar number of sub-periods.
Optionally, the first threshold is a maximum value of the standard fund data.
Optionally, the method further includes: sending reminding information to the target user; wherein, the reminding information has a target date.
In a second aspect, an embodiment of the present application provides a repayment date adjustment apparatus, including:
an acquisition unit configured to acquire fund data of each sub-period in one or more periods; the sub-period comprises one or more days;
the identification unit is used for sequencing each sub-period in the period; setting sequence marks for the sub-periods in sequence;
the calculation unit is used for calculating the fund data of the sub-periods with the same sequence identification to obtain the standard fund data of the sub-periods with the same sequence identification;
an adjustment unit configured to set, as a target sub-period, a sub-period in which the order identifications of the standard fund data are greater than or equal to a first threshold are the same; setting the date corresponding to the target sub-period as a target date; according to the user identification of the target user, acquiring a preset repayment date of the target user in a target time period, and adjusting the preset repayment date to be the target date.
Optionally, in the calculating unit, the step of calculating the fund data sequentially identifying the same sub-period in each period to obtain the standard fund data sequentially identifying the same sub-period includes:
when the capital data are first capital data and second capital data, calculating the first capital data sequentially identifying the same sub-time periods in the time periods to obtain first standard capital data sequentially identifying the same sub-time periods;
calculating second fund data of the sub-periods with the same sequence identification in the time period to obtain second standard fund data of the sub-periods with the same sequence identification;
and calculating the first standard fund data and the second standard fund data of the same sub-period of the sequence identification to obtain standard fund data.
Optionally, the apparatus further comprises: the reminding unit is used for sending reminding information to the target user; wherein, the reminding information has a target date.
Compared with the prior art, the method has the following beneficial effects:
in the method provided by the embodiment of the application, the fund data of each sub-period of a user in one or more periods is acquired, the sub-periods in the periods are sequenced and are provided with sequence identifiers, the fund data of the sub-periods with the same sequence identifiers are calculated to obtain standard fund data, the sub-periods with the same sequence identifiers and with the standard fund data being larger than or equal to a first threshold value are set as target sub-periods, and the preset repayment date is adjusted according to the date corresponding to the target sub-periods. The fund condition of the user in the sub-periods of other periods can be judged according to the standard fund data of the sub-periods in the same sequence, so that the fund change condition of the user can be known through the analysis of the fund data of the user in the periods, and the repayment date can be flexibly adjusted and preset according to the fund change condition.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present application, and other drawings can be obtained by those skilled in the art without creative efforts.
Fig. 1 is a flowchart of a payment date adjustment method according to an embodiment of the present application;
FIG. 2 is a flowchart of another repayment date adjustment method according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of a payment date adjusting device according to an embodiment of the present application.
Detailed Description
As described above, the payment date of the current credit card bill is determined by the banking system according to the date of bill generation or the time of credit card transaction, and generally speaking, the payment date is a fixed time for each payment period. However, the user's fund flow is usually in a periodic change, and for a fixed time payment date, the user needs to make an adjustment to his fund flow according to his actual situation. The fixed repayment date does not take the difference of individuals of different users into account, so that the repayment date cannot be flexibly set according to the fund data of different users, the requirements of different users cannot be met, and inconvenience is brought to the use of repayment services by the users.
The inventor finds that the conventional repayment date setting method does not consider the fund flow condition of a user, lacks acquisition and analysis of fund data of the user, and cannot set the repayment date corresponding to the user according to the fund condition of different users.
The inventor finds that the fund flow of the user is periodic, and in general, the fund amount of the user is higher on the payroll issuing date, while the payroll issuing date of most users is more fixed. However, due to the flexibility of fund transaction, directly setting the date of sending the wages as the repayment date cannot guarantee other special conditions, and is not convenient for the user to protect the personal privacy. Therefore, the fund data of the user in one or more time periods with sub-periods can be obtained, the standard fund data which sequentially identifies the same sub-periods is calculated, the fund flow condition of the user in the time period can be known to a certain extent, and the fund condition of the user in other time periods can be judged through the time period. The sub-period identified to be the same in the order in which the standard fund data is greater than or equal to the first threshold may be set as the target sub-period, and the date of the target sub-period may be adjusted to the payment date. Therefore, the fund flow condition of the user can be judged according to the fund data of the user, the repayment date can be flexibly adjusted, and the repayment requirements of different users can be met.
In order to make the technical solutions of the present application better understood, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
First embodiment
Referring to fig. 1, it is a flowchart of a payment date adjustment method according to an embodiment of the present application.
In the embodiment of the present application, the method may be implemented by the following steps S101 to S105, for example.
S101: acquiring a user identifier of a target user; acquiring fund data of each sub-period of the user in one or more periods according to the user identification of the target user; the sub-period comprises one or more days.
It should be noted that the time period in the embodiment of the present application includes a plurality of sub-time periods, and the number of days specifically included in a sub-time period is not limited in the embodiment of the present application. In one possible implementation, the sub-period may be one day and the period may be one week. In another possible implementation, the sub-period may be one week and the period may be one month.
It is understood that the user identifier in the embodiment of the present application may be information that the user registers or registers with the bank. The embodiment of the application does not limit the trigger condition for acquiring the user identifier, and the trigger condition can be a request for initiating the related service by the target user, or a service for opening a related service bank in advance, so that the bank system automatically acquires the user identifier.
Note that the fund data in the embodiment of the present application is historical fund data of the user, and the data type and the data range included in the fund data are not limited in the embodiment of the present application. The fund data may be deposit fund data of the user, and may also be payroll fund data. The fund data of the target user can be obtained from transaction data in various ways such as mobile banking, network points, automatic teller machines and the like.
The time intervals in the embodiments of the present application may be one or more, and the specific number of the time intervals and the criteria for time interval selection are not limited. In one possible implementation, the period may be one month, and a total of 12 months in a year may be selected as 12 periods.
S102: and sequencing each sub-period in the period, and setting a sequence identifier for the sub-periods in sequence.
It should be noted that, in the embodiment of the present application, the manner of sorting the sub-periods is not limited, and the sorting may be performed according to the time sequence of the sub-periods, or may be performed according to a preset sorting rule. The manner in which the sub-periods are ordered in different periods is the same.
It should be noted that the sequential identifier of the sub-period is a sequential identifier of the sub-period in the period, for example, when the sub-period is one day, the period is one month, and a total of 3 months, that is, 3 periods are obtained, if the sub-periods are sorted according to the time sequence and the sequential identifier is set, the sequential identifier corresponding to the first day in each month is 1, the sequential identifier corresponding to the second day in each month is 2, and so on. In addition, it can be understood that the specific expression form of the sequence identifier is not limited in the embodiment of the present application, and may be a digital identifier or an alphabetical identifier, and the selection and setting of the sequence identifier may be performed according to actual needs.
S103: and calculating the fund data of the sub-periods with the same sequence identification to obtain the standard fund data of the sub-periods with the same sequence identification.
It should be noted that the standard fund data is calculated by fund data sequentially identifying the same sub-periods, and the number of the sequentially identified same sub-periods is equal to or less than the number of the periods. The specific way of calculating the standard fund data is not limited in the embodiment of the application.
It will be appreciated that the standard funding data in embodiments of the present application may reflect funding conditions that sequentially identify the same sub-period in a period.
S104: setting the sub-periods with the same sequence identification as the standard fund data larger than or equal to a first threshold value as target sub-periods; and setting the date corresponding to the target sub-period as a target date.
The first threshold in this embodiment of the application may be set according to actual needs, and in a possible implementation manner, the first threshold may be a value of an amount that needs to be paid.
S105: and acquiring a preset repayment date of the target user in a target time period according to the user identification of the target user, and adjusting the preset repayment date to be the target date.
It should be noted that the preset payment date may be a payment date set by the banking system.
It can be understood that the target time periods in the embodiment of the present application may be one or more, and correspondingly, the adjusted preset repayment dates may also be one or more, the number of the preset repayment dates to be adjusted is not limited, and the preset repayment dates may be set according to actual needs.
As can be seen from the above, in the repayment date adjustment method provided in the embodiment of the present application, the fund data of each sub-period of the user in one or more periods is obtained, the sub-periods in the periods are sorted and set with the sequence identifier, the fund data of the sub-periods with the same sequence identifier are calculated to obtain the standard fund data, the sub-periods with the same sequence identifier and with the standard fund data being greater than or equal to the first threshold value are set as the target sub-periods, and the preset repayment date is adjusted according to the date corresponding to the target sub-periods. Therefore, standard fund data of sub-periods with the same sequence in the time periods can be obtained through calculation according to the fund data of the user in the sub-periods of one or more time periods, the fund condition of the user in other time periods can be judged according to the standard fund data, and the preset repayment date is adjusted according to the date corresponding to the sub-period with the standard fund data meeting the first threshold value.
Second embodiment
For the capital situation of daily users, the types of capital data are more, however, the calculation methods for obtaining standard capital data from different types of capital data are different, and the standard capital data obtained by one calculation method cannot better reflect the capital situation of users in a time period.
In view of the above situation, the present application provides another repayment date adjustment method, and fig. 2 is a flowchart of another repayment date adjustment method provided in the embodiment of the present application.
This embodiment will be described in detail below.
S201: acquiring a user identifier of a target user; acquiring fund data of each sub-period of the user in one or more periods according to the user identification of the target user; the sub-period comprises one or more days.
It should be noted that, when there are a plurality of time periods, the number of sub-time periods in each time period should be similar or the same.
S202: and sequencing each sub-period in the period according to the time sequence, and setting a sequence identifier for the sub-period according to the sequence.
S203: when the capital data are first capital data and second capital data, calculating the first capital data of the same sub-time period sequentially identified in the time period to obtain first standard capital data of the same sub-time period sequentially identified;
calculating second fund data of the sub-periods with the same sequence identification in the time period to obtain second standard fund data of the sub-periods with the same sequence identification;
and performing weighted calculation on the first standard fund data and the second standard fund data of the same sub-period of the sequence identification to obtain standard fund data.
It should be noted that the first and second fund data in the embodiment of the present application do not only indicate two fund data, but both the first and second fund data may indicate a plurality of fund data. The division mode of the fund data is not limited in the embodiment of the application.
It is to be understood that the specific types of the first fund data and the second fund data and the calculation manner for obtaining the first standard fund data and the second standard fund data are not limited in the embodiments of the present application, and in one possible implementation, the first fund data may be the current deposit fund data of the user, and the second fund data may be the periodic deposit fund data of the user. In another possible implementation, the first fund data may be income fund data of the user, and the second fund data may be financing fund data of the user. Calculating the first and second standard fund data may be by calculating a weighted average of the first and second fund data for each sub-period. In the embodiment of the present application, the weight of each data when the weighted average is calculated is not limited, and the weight may be set as needed.
S204: setting the sub-periods with the same sequence identification as the standard fund data larger than or equal to a first threshold value as target sub-periods; the first threshold is a maximum value of standard fund data; and setting the date corresponding to the target sub-period as a target date.
It will be appreciated that the first threshold may be set to the maximum value of the standard fund data, such that the standard fund data is the largest if the standard fund data is greater than or equal to the first threshold, and the sub-periods in the same order as the largest standard fund data are set as the target sub-periods, and the fund data of the user in the sub-periods in the respective periods is considered to be the largest, which is most convenient for repayment.
It should be noted that when the number of sub-periods in the time period is similar, if the target time period does not have the target sub-period, that is, there is no sub-period corresponding to the sequence, the sub-period similar to the sequence of the target sub-period may be selected as the target sub-period, or other sub-periods similar to the target sub-period of the standard fund data may be selected as the target sub-period of the target time period.
S205: according to the user identification of the target user, acquiring a preset repayment date of the target user in a target time period, and adjusting the preset repayment date to be the target date; sending reminding information to the target user; wherein, the reminding information has a target date.
It is understood that the payment date adjusted reminding information can be sent to the user, wherein the reminding information has the information of the target date. Adjustment information can also be sent to the bank payment system to inform that the payment date is adjusted. The embodiment of the application does not limit the concrete representation form of the reminding information, and the reminding information can be a mobile phone short message.
In the embodiment of the application, the fund data is divided into two types which are respectively calculated for the standard fund data, the two types of the obtained standard fund data are weighted and calculated to obtain the standard fund data which represents the sub-period with the same sequence, and the problem that the standard fund data cannot accurately reflect the fund condition of the sub-period of the user due to the fact that the fund data are more in types and the calculation modes of the standard fund data are the same can be solved.
Third embodiment
The repayment date adjusting method provided by the embodiment of the application is introduced above, and the method provided by the embodiment of the application is introduced below by combining a specific scene.
In the embodiment of the present application, the period is one month, and the sub-period is one day. The method comprises the steps of obtaining a user identification of a target user, and obtaining fund data of the target user in 12 months in the past year, namely fund data of each sub-period in 12 periods. The fund data is the fixed deposit fund data and the current deposit fund data.
And sequencing the days in each month according to the time sequence, and setting a sequence identifier. And respectively carrying out weighted average calculation on the number 1 regular deposit fund data and the current deposit fund data of each month in a specific calculation mode of removing a maximum value and a minimum value, carrying out average calculation on the remaining data to obtain 12 number 1 corresponding regular deposit standard fund data and current deposit standard fund data, and carrying out weighted calculation on the regular deposit standard fund data and the current deposit standard fund data to obtain standard fund data. The weight corresponding to the standard fund data of the periodic deposit may be 1/3, and the weight corresponding to the standard fund data of the current deposit may be 2/3. By analogy, 12 standard fund data of 2, 3, … … 28, 11 30 and 7 31 can be obtained. When the past year is leap year, 12 standard fund data of number 29 are obtained, and when the past year is perennial year, 11 standard fund data of number 29 are obtained. The maximum value of the 31 pieces of standard fund data is set as the value of the first threshold, for example, if the standard fund data of number 20 is the maximum value, the first threshold is the standard fund data of number 20, and if the sub-period greater than or equal to the first threshold is the number 20, the 20 th sub-period of each period is the target sub-period. If the target time interval is 1 month of the next year, the preset repayment date is acquired, for example, 1 month and 1 day is adjusted to 1 month and 20 days, that is, the date corresponding to 20 numbers. If the target sub-period is No. 31, that is, the 31 st sub-period in each period, and the target period is 4 months of the next year without the 31 st sub-period, the sub-period in the target period in the order close to the target sub-period is set as the target sub-period of the target period, so that the 30 days of 4 months can be adjusted to the payment date. After the preset repayment date is adjusted, a reminding notice with the target date can be sent to the target user to remind the target user that the repayment date is adjusted.
Fourth embodiment
Fig. 3 is a schematic structural diagram of a payment date adjusting device according to an embodiment of the present application.
For example, the method may specifically include:
an obtaining unit 301, configured to obtain fund data of each sub-period in one or more periods; the sub-period comprises one or more days;
an identifying unit 302, configured to sort the sub-periods in the period; setting sequence marks for the sub-periods in sequence;
a calculating unit 303, configured to calculate fund data of sub-periods with the same sequence identifier to obtain standard fund data of the sub-periods with the same sequence identifier;
an adjusting unit 304, configured to set, as the target sub-period, the sub-period in which the order identifiers of the standard fund data are greater than or equal to the first threshold are the same; setting the date corresponding to the target sub-period as a target date; according to the user identification of the target user, acquiring a preset repayment date in a target time period of the target user, and adjusting the preset repayment date to be the target date.
The calculating unit obtains the standard fund data sequentially identifying the same sub-periods by calculating the fund data sequentially identifying the same sub-periods in each period, and may specifically include: when the capital data are first capital data and second capital data, calculating the first capital data sequentially identifying the same sub-time periods in the time periods to obtain first standard capital data sequentially identifying the same sub-time periods;
calculating second fund data of the sub-periods with the same sequence identification in the time period to obtain second standard fund data of the sub-periods with the same sequence identification;
and calculating the first standard fund data and the second standard fund data of the same sub-period of the sequence identification to obtain standard fund data.
Wherein the apparatus may further comprise: the reminding unit is used for sending reminding information to the target user; wherein, the reminding information has a target date.
It should be understood that in the present application, "at least one" means one or more, "a plurality" means two or more. "and/or" for describing an association relationship of associated objects, indicating that there may be three relationships, e.g., "a and/or B" may indicate: only A, only B and both A and B are present, wherein A and B may be singular or plural. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. "at least one of the following" or similar expressions refer to any combination of these items, including any combination of single item(s) or plural items. For example, at least one (one) of a, b, or c, may represent: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", wherein a, b, c may be single or plural.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus embodiment, since it is substantially similar to the method embodiment, it is relatively simple to describe, and reference may be made to some descriptions of the method embodiment for relevant points. The above-described apparatus embodiments are merely illustrative, and the units and modules described as separate components may or may not be physically separate. In addition, some or all of the units and modules may be selected according to actual needs to achieve the purpose of the solution of the embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
The foregoing is directed to embodiments of the present application and it is noted that numerous modifications and adaptations may be made by those skilled in the art without departing from the principles of the present application and are intended to be within the scope of the present application.

Claims (10)

1. A payment date adjustment method, comprising:
acquiring a user identifier of a target user;
acquiring fund data of each sub-period of the user in one or more periods according to the user identification of the target user; the sub-period comprises one or more days;
sequencing each sub-time period in the time period, and setting a sequence identifier for the sub-time period in sequence;
calculating the capital data of the sub-periods with the same sequence identification to obtain the standard capital data of the sub-periods with the same sequence identification;
setting the sub-periods with the same sequence identification as the standard fund data larger than or equal to a first threshold value as target sub-periods; setting the date corresponding to the target sub-period as a target date;
and acquiring a preset repayment date of the target user in a target time period according to the user identification of the target user, and adjusting the preset repayment date to be the target date.
2. The method of claim 1, wherein calculating the funding data that sequentially identifies the same sub-period comprises:
and removing a maximum value and a minimum value from the fund data sequentially identifying the same sub-period in each period, and then carrying out summation average calculation.
3. The method of claim 1, wherein when the funding data is first funding data and second funding data, the calculating funding data sequentially identifying the same sub-period to obtain standard funding data sequentially identifying the same sub-period comprises:
calculating first fund data of sub-periods with the same sequence identification in the time period to obtain first standard fund data of the sub-periods with the same sequence identification;
calculating second fund data of the sub-periods with the same sequence identification in the time period to obtain second standard fund data of the sub-periods with the same sequence identification;
and performing weighted calculation on the first standard fund and the second standard fund which sequentially identify the same sub-period to obtain standard fund data.
4. The method of claim 1, wherein the ordering the sub-periods in the period comprises:
and sequencing each sub-period in the period according to the time sequence.
5. The method of claim 1, wherein when the period is a plurality of periods, the period is: a plurality of time periods having a similar number of sub-periods.
6. The method of claim 1, wherein the first threshold is a maximum value of the standard fund data.
7. The method of claim 1, further comprising:
sending reminding information to the target user; wherein, the reminding information has a target date.
8. A payment date adjustment apparatus, the apparatus comprising:
an acquisition unit configured to acquire fund data of each sub-period in one or more periods; the sub-period comprises one or more days;
the identification unit is used for sequencing each sub-period in the period; setting sequence marks for the sub-periods in sequence;
the calculation unit is used for calculating the fund data of the sub-periods with the same sequence identification to obtain the standard fund data of the sub-periods with the same sequence identification;
an adjustment unit configured to set, as a target sub-period, a sub-period in which the order identifications of the standard fund data are greater than or equal to a first threshold are the same; setting the date corresponding to the target sub-period as a target date; according to the user identification of the target user, acquiring a preset repayment date of the target user in a target time period, and adjusting the preset repayment date to be the target date.
9. The apparatus according to claim 8, wherein the calculating unit calculates the fund data sequentially identifying the same sub-period in each period to obtain the standard fund data sequentially identifying the same sub-period, and specifically comprises:
when the capital data are first capital data and second capital data, calculating the first capital data sequentially identifying the same sub-time periods in the time periods to obtain first standard capital data sequentially identifying the same sub-time periods;
calculating second fund data of the sub-periods with the same sequence identification in the time period to obtain second standard fund data of the sub-periods with the same sequence identification;
and calculating the first standard fund data and the second standard fund data of the same sub-period of the sequence identification to obtain standard fund data.
10. The apparatus of claim 8, further comprising:
the reminding unit is used for sending reminding information to the target user; wherein, the reminding information has a target date.
CN201911415652.0A 2019-12-31 2019-12-31 Repayment date adjusting method and device Pending CN111161051A (en)

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Application publication date: 20200515