CN112561693A - Automatic payment method, device, electronic equipment and computer readable storage medium - Google Patents
Automatic payment method, device, electronic equipment and computer readable storage medium Download PDFInfo
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- CN112561693A CN112561693A CN202011565716.8A CN202011565716A CN112561693A CN 112561693 A CN112561693 A CN 112561693A CN 202011565716 A CN202011565716 A CN 202011565716A CN 112561693 A CN112561693 A CN 112561693A
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Abstract
The embodiment of the application provides an automatic payment method, an automatic payment device, electronic equipment and a computer-readable storage medium. The method comprises the following steps: acquiring the automatic deduction date of the loan of the user in each repayment period, wherein the automatic deduction date in each repayment period is before the repayment due date; attempting to deduct money from the account of the user on the automatic money deduction day; and carrying out automatic repayment corresponding to the repayment period based on whether the deduction is successful or not. Based on the scheme, the payment can be made in advance before the payment due date, manual payment operation by a user is not needed, the flexibility of the payment of the user is improved, the probability of overdue accounts of the user is favorably reduced, and personal credit investigation of the user is avoided being influenced by the overdue payment.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to an automatic payment method, an automatic payment device, an electronic device, and a computer-readable storage medium.
Background
Currently, loan repayment is generally carried out by a financial institution with a payment being committed on a fixed due date.
The existing repayment mode can only deduct money on the same day of the due date of repayment in the whole loan period, the repayment mode is single and inflexible, and is not beneficial to the repayment of the user.
Disclosure of Invention
The present application aims to solve at least one of the above technical drawbacks. The technical scheme adopted by the application is as follows:
in a first aspect, an embodiment of the present application provides an automatic payment method, where the method includes:
acquiring the automatic deduction date of the loan of the user in each repayment period, wherein the automatic deduction date in each repayment period is before the repayment due date;
attempting to deduct money from the account of the user on the automatic money deduction day;
and carrying out automatic repayment corresponding to the repayment period based on whether the deduction is successful or not.
Optionally, the obtaining of the automatic deduction date of the user's loan in each repayment period includes any one of the following:
determining a fixed repayment date in each repayment period set by a user as an automatic deduction date;
and determining the automatic deduction date based on the advanced payment days set by the user and the payment due date of each payment period.
Optionally, based on whether the deduction is successful, performing automatic payment corresponding to the payment cycle, including:
if the deduction is successful, automatic payment corresponding to the payment period is carried out through the deducted money item;
and if the deduction fails, subscribing the account balance change condition of the user in the residual time of the automatic deduction day, and carrying out automatic payment corresponding to the payment period based on whether the account balance of the user in the residual time supports the deduction.
Optionally, the automatic repayment corresponding to the repayment period is performed based on whether the account balance of the user supports deduction in the remaining time, and the method includes:
if the balance of the account of the user supports deduction in the remaining time, deduction is carried out on the account of the user, and automatic payment corresponding to the payment period is carried out through the deducted money item;
and if the balance of the account of the user cannot support the deduction in the remaining time, continuously trying to deduct the money based on a preset retry strategy after the automatic deduction day, and automatically repayment corresponding to the repayment period based on the result of trying to deduct the money.
Optionally, continuing to attempt deduction based on a preset retry strategy, including:
if the retry strategy presets the retry days, deducting the account of the user within the retry days until the deduction is successful or the retry days are exceeded.
Optionally, continuing to attempt deduction based on a preset retry strategy, including:
and if the retry days are not preset in the retry strategy, deducting the account of the user every day after the automatic deduction day until the deduction is successful or the automatic deduction day of the next repayment period is reached.
Optionally, the automatic payment of the corresponding payment cycle is performed through the deducted money item, including:
and if the deducted money item is smaller than the due amount, performing partial payment of the corresponding payment cycle based on the deducted money item.
Optionally, the method further includes:
if the balance of the account of the user cannot support automatic payment in the corresponding payment period before the payment expires, the payment is firstly carried out, and the account of the user is deducted after a specified time period after the payment is completed.
Optionally, the method further includes:
and if the deduction fails when the deduction is carried out on the account of the user after the designated time period after the payment is finished, the payment is carried out positively.
Optionally, the method further includes:
and when the account of the user meets the first preset condition, deducting money from the associated account of the account.
Optionally, the method further includes:
and when the account of the user meets the second preset condition, deducting money from the account of the associated user of the user.
Optionally, the method further includes:
and if the automatic deduction date or the payment due date in the payment period is a holiday, adjusting the automatic deduction date or the payment due date in the payment period to be the first working day after the holiday.
In a second aspect, an embodiment of the present application provides an automatic payment device, including:
the automatic deduction date acquisition module is used for acquiring the automatic deduction date of the loan of the user in each repayment period, and the automatic deduction date in each repayment period is before the repayment due date;
the automatic deduction module is used for trying to deduct money from the account of the user on the automatic deduction day;
and the automatic repayment module is used for carrying out automatic repayment corresponding to the repayment period based on whether the deduction is successful or not.
Optionally, the automatic deduction date acquiring module is specifically configured to, when acquiring an automatic deduction date of the loan of the user in each repayment period, use any one of the following:
determining a fixed repayment date in each repayment period set by a user as an automatic deduction date;
and determining the automatic deduction date based on the advanced payment days set by the user and the payment due date of each payment period.
Optionally, the automatic payment module is specifically configured to:
if the deduction is successful, automatic payment corresponding to the payment period is carried out through the deducted money item;
and if the deduction fails, subscribing the account balance change condition of the user in the residual time of the automatic deduction day, and carrying out automatic payment corresponding to the payment period based on whether the account balance of the user in the residual time supports the deduction.
Optionally, the automatic repayment module is specifically configured to, when performing automatic repayment in a corresponding repayment cycle based on whether the account balance of the user supports deduction within the remaining time:
if the balance of the account of the user supports deduction in the remaining time, deduction is carried out on the account of the user, and automatic payment corresponding to the payment period is carried out through the deducted money item;
and if the balance of the account of the user cannot support the deduction in the remaining time, continuously trying to deduct the money based on a preset retry strategy after the automatic deduction day, and automatically repayment corresponding to the repayment period based on the result of trying to deduct the money.
Optionally, the automatic payment module, when continuing to attempt to deduct money based on a preset retry policy, is specifically configured to:
if the retry strategy presets the retry days, deducting the account of the user within the retry days until the deduction is successful or the retry days are exceeded.
Optionally, the automatic payment module, when continuing to attempt to deduct money based on a preset retry policy, is specifically configured to:
and if the retry days are not preset in the retry strategy, deducting the account of the user every day after the automatic deduction day until the deduction is successful or the automatic deduction day of the next repayment period is reached.
Optionally, the automatic repayment module is specifically configured to, when performing automatic repayment of the corresponding repayment cycle through the deducted money item:
and if the deducted money item is smaller than the due amount, performing partial payment of the corresponding payment cycle based on the deducted money item.
Optionally, the apparatus further comprises:
and the payment due first module is used for carrying out payment firstly when the account balance of the user fails to support automatic payment in the corresponding payment period before the payment due, and deducting the account of the user after a specified time period after the payment is completed.
Optionally, the due-first payment module is further configured to:
and if the deduction fails when the deduction is carried out on the account of the user after the designated time period after the payment is finished, the payment is carried out positively.
Optionally, the apparatus further comprises:
and the associated account repayment module is used for deducting money from the associated account of the account when the account of the user meets the first preset condition.
Optionally, the apparatus further comprises:
and the associated user repayment module is used for deducting money from the account of the associated user of the user when the account of the user meets a second preset condition.
Optionally, the apparatus further comprises:
and the repayment date adjusting module is used for adjusting the automatic deduction date or the repayment due date in the repayment period to be the first working day after the holiday if the automatic deduction date or the repayment due date in the repayment period is the holiday.
In a third aspect, an embodiment of the present application provides an electronic device, including: a processor and a memory;
a memory for storing operating instructions;
a processor, configured to execute the automatic payment method as shown in any implementation manner of the first aspect of the present application by calling an operation instruction.
In a fourth aspect, the present application provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the automatic payment method shown in any one of the implementation manners of the first aspect of the present application.
The technical scheme provided by the embodiment of the application has the following beneficial effects:
according to the scheme provided by the embodiment of the application, the account of the user is deducted by an attempt on an automatic deduction day in the repayment period, and whether the deduction is successful or not is carried out, so that the automatic repayment corresponding to the repayment period is carried out. Based on the scheme, the payment can be made in advance before the payment due date, manual payment operation by a user is not needed, the flexibility of the payment of the user is improved, the probability of overdue accounts of the user is favorably reduced, and personal credit investigation of the user is avoided being influenced by the overdue payment.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings used in the description of the embodiments of the present application will be briefly described below.
Fig. 1 is a schematic flow chart of an automatic payment method according to an embodiment of the present application;
fig. 2 is a schematic flow chart of a deduction scheme provided in an embodiment of the present application;
FIG. 3 is a flowchart illustrating an embodiment of an automatic payment method according to an embodiment of the present disclosure;
fig. 4 is a schematic structural diagram of an automatic payment device according to an embodiment of the present application;
fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Detailed Description
Reference will now be made in detail to embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary only for the purpose of explaining the present application and are not to be construed as limiting the present invention.
As used herein, the singular forms "a", "an", "the" and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. It will be understood that when an element is referred to as being "connected" or "coupled" to another element, it can be directly connected or coupled to the other element or intervening elements may also be present. Further, "connected" or "coupled" as used herein may include wirelessly connected or wirelessly coupled. As used herein, the term "and/or" includes all or any element and all combinations of one or more of the associated listed items.
To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.
Currently, the main entrusted deduction in the industry can only carry out deduction in the whole loan period according to the date of repayment due, and advanced deduction, fixed-date deduction and real-time deduction according to account balance change in the date of due cannot be set.
If a payment mode supporting the setting of payment deduction in advance, payment deduction on a fixed date and real-time payment deduction according to account balance change on the due date can be provided, the flexibility of the payment of the user can be improved, so that the overdue probability of the account of the user is improved, and personal credit of the user is prevented from being influenced by the overdue payment.
The embodiment of the application provides an automatic payment method, an automatic payment device, an electronic device and a computer-readable storage medium, which aim to solve at least one of the above technical problems in the prior art.
The following describes the technical solutions of the present application and how to solve the above technical problems with specific embodiments. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
Fig. 1 shows a schematic flow chart of an automatic payment method provided in an embodiment of the present application, and as shown in fig. 1, the method mainly includes:
step S110: acquiring the automatic deduction date of the loan of the user in each repayment period, wherein the automatic deduction date in each repayment period is before the repayment due date;
step S120: attempting to deduct money from the account of the user on the automatic money deduction day;
step S130: and carrying out automatic repayment corresponding to the repayment period based on whether the deduction is successful or not.
In the embodiment of the application, automatic repayment dates can be set for each repayment period, and before the due repayment date, automatic repayment can be carried out before the due repayment date, and advance repayment can be carried out before the due repayment date.
In the embodiment of the application, the deduction operation of the account can be performed at a specified time in the automatic deduction day (for example, ten am of the automatic deduction day). Therefore, automatic payment is realized based on whether the deduction is successful or not, and manual payment operation of a user is not needed.
According to the method provided by the embodiment of the application, the account of the user is deducted by an attempt on an automatic deduction day in the repayment period, and automatic repayment corresponding to the repayment period is carried out based on whether the deduction is successful or not. Based on the scheme, the payment can be made in advance before the payment due date, manual payment operation by a user is not needed, the flexibility of the payment of the user is improved, the probability of overdue accounts of the user is favorably reduced, and personal credit investigation of the user is avoided being influenced by the overdue payment.
In an optional mode of the embodiment of the application, the obtaining of the automatic deduction date of the loan of the user in each repayment period includes any one of the following:
determining a fixed repayment date in each repayment period set by a user as an automatic deduction date;
and determining the automatic deduction date based on the advanced payment days set by the user and the payment due date of each payment period.
In the embodiment of the application, the user can designate a fixed repayment date as an automatic deduction date in each repayment period, and if the designated fixed repayment date is a certain day per month.
In this embodiment of the application, the user may also specify the number of days of payment in advance, and determine the automatic deduction date according to the payment due date and the number of days of payment in advance, for example, if the payment due date is 15 days per month, and the number of days of payment in advance is 10 days, the determined automatic deduction date is 5 days per month.
In an optional mode of this application embodiment, whether based on deduction succeeds, carry out the automatic repayment of corresponding repayment cycle, include:
if the deduction is successful, automatic payment corresponding to the payment period is carried out through the deducted money item;
and if the deduction fails, subscribing the account balance change condition of the user in the residual time of the automatic deduction day, and carrying out automatic payment corresponding to the payment period based on whether the account balance of the user in the residual time supports the deduction.
In the embodiment of the application, when deducting the account number of the user, if the account balance is not less than the deducted amount, the deduction is successful, and automatic repayment corresponding to the repayment period is performed through the deducted amount item. If the automatic deduction is completed on the automatic payment due date, the payment on the payment due date can be cancelled.
If the account balance is less than the amount of money, the deduction can be failed, the change condition of the account balance of the user can be subscribed in the residual time of the automatic deduction day, if the change of the account balance is detected, and if the balance in the account is not less than the amount of money to be deducted, the deduction can be successful.
In actual use, if the automatic deduction date is 9:00 attempts to deduct money and the deduction is unsuccessful, the account balance change of the user can be monitored in the remaining time of the deduction day (namely 9:00-24: 00).
In an optional mode of the embodiment of the application, based on whether the account balance of the user supports deduction in the remaining time, automatic payment corresponding to the payment cycle is performed, including:
if the balance of the account of the user supports deduction in the remaining time, deduction is carried out on the account of the user, and automatic payment corresponding to the payment period is carried out through the deducted money item;
and if the balance of the account of the user cannot support the deduction in the remaining time, continuously trying to deduct the money based on a preset retry strategy after the automatic deduction day, and automatically repayment corresponding to the repayment period based on the result of trying to deduct the money.
In the embodiment of the application, if the deduction is successful in the remaining time of the automatic deduction day, automatic payment can be carried out through the deducted money item. If the deduction is not successful in the remaining time of the automatic deduction day, the deduction can be repeatedly tried after the automatic deduction day according to a preset retry strategy.
In an optional manner of the embodiment of the present application, the continuing to attempt to deduct money based on a preset retry policy includes:
if the retry strategy presets the retry days, deducting the account of the user within the retry days until the deduction is successful or the retry days are exceeded.
In this embodiment of the application, the retry days may be preset in the retry strategy, and the deduction of the account of the user may be attempted within the retry days after the automatic deduction day, specifically, at a specified time of each day within the retry days, the operation of attempting the deduction of the account of the user may be performed until the deduction is successful, the payment may be performed based on the deducted money item, and if the deduction is not successful, the deduction attempt may be stopped until the retry days.
As an example, if the automatic deduction day is 5 days per month, if the deduction is not completed in 5 days, the deduction can be tried every day after 5 days until the deduction is successful or the retry number of days is reached.
In an optional manner of the embodiment of the present application, the continuing to attempt to deduct money based on a preset retry policy includes:
and if the retry days are not preset in the retry strategy, deducting the account of the user every day after the automatic deduction day until the deduction is successful or the automatic deduction day of the next repayment period is reached.
In the embodiment of the application, the operation of attempting to deduct the money from the account of the user can be repeated after the automatic money deducting day until the money deduction is successful, the money can be paid based on the deducted money item, and if the money deduction is not successful all the time, the automatic money deducting day of the next money payment period is reached, and the attempt of deducting the money is stopped.
As an example, if the automatic deduction day is 5 days per month, if the deduction cannot be completed in 5 days, the deduction can be attempted every day after 5 days until the deduction is successful or 5 days of the next month are reached.
In the embodiment of the present application, a retry deadline may be specified, for example, 10 days per month is specified as the retry deadline. The number of retrial days or the number of retrial times can also be designated, and when the deduction is not successful after the retrial reaches the number of retrial days or the number of retrial times, the deduction can be stopped.
In an optional manner of the embodiment of the present application, the method further includes:
if the balance of the account of the user cannot support automatic payment in the corresponding payment period before the payment expires, the payment is firstly carried out, and the account of the user is deducted after a specified time period after the payment is completed.
In the embodiment of the application, payment before due can be supported, namely when the client does not pay on the due date, payment can be carried out firstly, and then payment is deducted in follow-up mode, and overdue of the client can be avoided if payment is successfully deducted in follow-up mode.
In an optional manner of the embodiment of the present application, the method further includes:
and if the deduction fails when the deduction is carried out on the account of the user after the designated time period after the payment is finished, the payment is carried out positively.
In the embodiment of the application, if the payment is due and the payment is not paid before, the payment can be corrected.
In an optional manner of the embodiment of the present application, the method further includes:
and when the account of the user meets the first preset condition, deducting money from the associated account of the account.
In the embodiment of the application, setting of the associated account can be supported, so that when the account of the user cannot complete the deduction, the associated account is used as the deduction account to deduct money. And meanwhile, a plurality of associated accounts can be set, deduction priorities are respectively set for the associated accounts, when the account of the user cannot complete deduction, deduction accounts are selected from the associated accounts according to the sequence of the deduction priorities from high to low, and deduction is carried out. The associated account may support both the home or other bank accounts. For the loan account transferred to be collected, deduction is carried out on the account of the non-agreement borrower, and the reject ratio of the bank loan account is reduced as much as possible. For accounts with multiple overdue times, deduction processing can be carried out according to the overdue time.
In an optional manner of the embodiment of the present application, the method further includes:
and when the account of the user meets the second preset condition, deducting money from the account of the associated user of the user.
In the embodiment of the application, the setting of the associated user can be supported, so that when the account of the current user cannot complete the deduction, the deduction is carried out from the account of the associated user. The associated user may be a user who has a lending relationship with the current user.
The first and second preset conditions may be such that the user is signed with an agreement to agree to a deduction from the associated account of the account or from the account of the associated user.
In the embodiment of the application, the setting of no fee deduction on holidays is also supported, namely if the due date is a holiday, the fee deduction is automatically adjusted according to the convention, and the account is guaranteed not to be overdue.
According to the scheme provided by the embodiment of the application, entrusted deduction services such as bill deduction date, monthly fixed date deduction, repeated retrial deduction after unsuccessful deduction, real-time deduction on due date of repayment and the like can be automatically calculated by the system through configuring attributes such as automatic deduction and withdrawal date, balance change message subscription and the like, and automatic repayment services are provided for the client in time, so that manual repayment operation of the client is avoided, the probability of overdue of an account is reduced, and personal credit investigation of the client is not influenced.
In an optional manner of the embodiment of the present application, the method further includes:
and if the automatic deduction date or the payment due date in the payment period is a holiday, adjusting the automatic deduction date or the payment due date in the payment period to be the first working day after the holiday.
In the embodiment of the application, the automatic deduction date or the payment due date in the payment period can be adjusted to be the first working day after the holiday when the automatic deduction date or the payment due date in the payment period is the holiday, so that the payment overdue of the account can be avoided.
As an example, fig. 2 is a schematic flow chart illustrating a deduction scheme provided by an embodiment of the present application, and specifically, an automatic deduction day may be determined according to a bill due date and a preset deduction advance number of days, and an attempt may be made to deduct money from an account at the automatic deduction day.
Specifically, the retry due date may be determined based on the automatic deduction date and the retry number of days, and if the deduction can be completed before the retry due date, the payment can be paid to the account after the deduction is completed, and if the deduction cannot be completed by the retry due date, the deduction attempt may be stopped.
As an example, fig. 3 is a flowchart illustrating a specific implementation manner of an automatic payment method according to an embodiment of the present application, where after receiving a deduction account list, a deduction record may be generated, and then a banked deduction process table is generated according to the deduction record. And then carrying out balance inquiry and public accumulation fund delay inquiry to generate deduction files, and then generating various unloading files. And then, after the loan account is checked, internally calling a deduction interface, and if the deduction fails, internally calling a focus interface so as to inquire the account balance of the loan account. If the payment is successful, the state of the process table can be updated, and the payment is subjected to account-entering processing. And generating a deduction request of the other bank and initiating the deduction of the other bank.
The invention can flexibly customize a plurality of automatic deduction plans such as a daily deduction plan of an account, a fixed daily deduction plan, a deduction retry plan, an aging deduction and the like, provides various deduction plan options for customers, supports various repayment modes such as normal deduction before deduction, festival and holiday adjustment repayment, repayment date selection and the like, meets the actual repayment requirements of different customers, and avoids the overdue records generated by the customers to influence credit collection as much as possible. In addition, the method can also support multi-account deduction without frequent operation of customer fund collection, and support deduction from non-agreement borrower accounts, thereby reducing the reject ratio of bank loan accounts.
In the embodiment of the application, when calculating the automatic deduction date, the automatic deduction date can be calculated according to the account bill due date and the automatic deduction advanced days, and the fixed deduction date of each month can be calculated according to the fixed automatic deduction date. And when the deduction fails, calculating whether the deduction day is retried or not according to the automatic deduction day or the fixed deduction day and the retry days.
In the embodiment of the application, the repayment mode can comprise a normal repayment mode, the payment is carried out according to the bill due date or the fixed payment deduction date, and the repayment is carried out after the payment is successful. The payment can also comprise payment before returning and payment after returning, payment is carried out on due date, payment is carried out subsequently, and payment is carried out after payment fails and payment is carried out positively. When a holiday is met, repayment can be adjusted, namely the repayment due date is automatically adjusted according to convention when the holiday is met, and overdue is reduced.
In the embodiment of the application, the setting mode of the deduction account can support the bank or other banks as the deduction account, can support a plurality of associated accounts to deduct money according to the priority sequence, and can support the agreement lender account to deduct money after the loan account is transferred to be collected.
In the embodiment of the application, the repayment period number can support the payment in advance, and the payment amount is estimated to the repayment date; partial repayment can be supported, the repayment is carried out as far as possible without a full period, and overdue penalty is reduced; and the payment of the full amount can be supported, and the payment is deducted from the payment in turn according to the expiration time after multiple times of expiration.
Based on the same principle as the method shown in fig. 1, fig. 4 shows a schematic structural diagram of an automatic payment device provided by an embodiment of the present application, and as shown in fig. 4, the automatic payment device 20 may include:
the automatic deduction date acquisition module 210 is configured to acquire an automatic deduction date of the loan of the user in each repayment period, where the automatic deduction date is before a repayment due date in each repayment period;
an automatic deduction module 220, configured to attempt to deduct money from an account of the user on an automatic deduction day;
and an automatic repayment module 230, configured to perform automatic repayment corresponding to the repayment period based on whether the deduction is successful.
The device that this application embodiment provided tries to deduct money to user's account through the day of deducting money in repayment cycle automatically to whether succeed based on deducting money, carry out the automatic repayment of corresponding repayment cycle. Based on the scheme, the payment can be made in advance before the payment due date, manual payment operation by a user is not needed, the flexibility of the payment of the user is improved, the probability of overdue accounts of the user is favorably reduced, and personal credit investigation of the user is avoided being influenced by the overdue payment.
Optionally, the automatic deduction date acquiring module is specifically configured to, when acquiring an automatic deduction date of the loan of the user in each repayment period, use any one of the following:
determining a fixed repayment date in each repayment period set by a user as an automatic deduction date;
and determining the automatic deduction date based on the advanced payment days set by the user and the payment due date of each payment period.
Optionally, the automatic payment module is specifically configured to:
if the deduction is successful, automatic payment corresponding to the payment period is carried out through the deducted money item;
and if the deduction fails, subscribing the account balance change condition of the user in the residual time of the automatic deduction day, and carrying out automatic payment corresponding to the payment period based on whether the account balance of the user in the residual time supports the deduction.
Optionally, the automatic repayment module is specifically configured to, when performing automatic repayment in a corresponding repayment cycle based on whether the account balance of the user supports deduction within the remaining time:
if the balance of the account of the user supports deduction in the remaining time, deduction is carried out on the account of the user, and automatic payment corresponding to the payment period is carried out through the deducted money item;
and if the balance of the account of the user cannot support the deduction in the remaining time, continuously trying to deduct the money based on a preset retry strategy after the automatic deduction day, and automatically repayment corresponding to the repayment period based on the result of trying to deduct the money.
Optionally, the automatic payment module, when continuing to attempt to deduct money based on a preset retry policy, is specifically configured to:
if the retry strategy presets the retry days, deducting the account of the user within the retry days until the deduction is successful or the retry days are exceeded.
Optionally, the automatic payment module, when continuing to attempt to deduct money based on a preset retry policy, is specifically configured to:
and if the retry days are not preset in the retry strategy, deducting the account of the user every day after the automatic deduction day until the deduction is successful or the automatic deduction day of the next repayment period is reached.
Optionally, the automatic repayment module is specifically configured to, when performing automatic repayment of the corresponding repayment cycle through the deducted money item:
and if the deducted money item is smaller than the due amount, performing partial payment of the corresponding payment cycle based on the deducted money item.
Optionally, the apparatus further comprises:
and the payment due first module is used for carrying out payment firstly when the account balance of the user fails to support automatic payment in the corresponding payment period before the payment due, and deducting the account of the user after a specified time period after the payment is completed.
Optionally, the due-first payment module is further configured to:
and if the deduction fails when the deduction is carried out on the account of the user after the designated time period after the payment is finished, the payment is carried out positively.
Optionally, the apparatus further comprises:
and the associated account repayment module is used for deducting money from the associated account of the account when the account of the user meets the first preset condition.
Optionally, the apparatus further comprises:
and the associated user repayment module is used for deducting money from the account of the associated user of the user when the account of the user meets a second preset condition.
Optionally, the apparatus further comprises:
and the repayment date adjusting module is used for adjusting the automatic deduction date or the repayment due date in the repayment period to be the first working day after the holiday if the automatic deduction date or the repayment due date in the repayment period is the holiday.
It is understood that the above modules of the automatic payment device in this embodiment have functions of implementing the corresponding steps of the automatic payment method in the embodiment shown in fig. 1. The function can be realized by hardware, and can also be realized by executing corresponding software by hardware. The hardware or software includes one or more modules corresponding to the functions described above. The modules can be software and/or hardware, and each module can be implemented independently or by integrating a plurality of modules. For the functional description of each module of the automatic payment device, reference may be specifically made to the corresponding description of the automatic payment method in the embodiment shown in fig. 1, and details are not repeated here.
The embodiment of the application provides an electronic device, which comprises a processor and a memory;
a memory for storing operating instructions;
and the processor is used for executing the automatic payment method provided by any embodiment of the application by calling the operation instruction.
As an example, fig. 5 shows a schematic structural diagram of an electronic device to which an embodiment of the present application is applicable, and as shown in fig. 5, the electronic device 2000 includes: a processor 2001 and a memory 2003. Wherein the processor 2001 is coupled to a memory 2003, such as via a bus 2002. Optionally, the electronic device 2000 may also include a transceiver 2004. It should be noted that the transceiver 2004 is not limited to one in practical applications, and the structure of the electronic device 2000 is not limited to the embodiment of the present application.
The processor 2001 is applied to the embodiment of the present application to implement the method shown in the above method embodiment. The transceiver 2004 may include a receiver and a transmitter, and the transceiver 2004 is applied to the embodiments of the present application to implement the functions of the electronic device of the embodiments of the present application to communicate with other devices when executed.
The Processor 2001 may be a CPU (Central Processing Unit), general Processor, DSP (Digital Signal Processor), ASIC (Application Specific Integrated Circuit), FPGA (Field Programmable Gate Array) or other Programmable logic device, transistor logic device, hardware component, or any combination thereof. Which may implement or perform the various illustrative logical blocks, modules, and circuits described in connection with the disclosure. The processor 2001 may also be a combination of computing functions, e.g., comprising one or more microprocessors, DSPs and microprocessors, and the like.
The Memory 2003 may be a ROM (Read Only Memory) or other type of static storage device that can store static information and instructions, a RAM (Random Access Memory) or other type of dynamic storage device that can store information and instructions, an EEPROM (Electrically Erasable Programmable Read Only Memory), a CD-ROM (Compact Disc Read Only Memory) or other optical Disc storage, optical Disc storage (including Compact Disc, laser Disc, optical Disc, digital versatile Disc, blu-ray Disc, etc.), a magnetic disk storage medium or other magnetic storage device, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer, but is not limited to these.
Optionally, the memory 2003 is used for storing application program code for performing the disclosed aspects, and is controlled in execution by the processor 2001. The processor 2001 is configured to execute the application program code stored in the memory 2003 to implement the automatic payment method provided in any one of the embodiments of the present application.
The electronic device provided by the embodiment of the application is applicable to any embodiment of the method, and is not described herein again.
Compared with the prior art, the electronic equipment tries to deduct money from the account of the user on the day of automatic money deduction in the repayment period, and performs automatic payment corresponding to the repayment period based on whether the money deduction is successful or not. Based on the scheme, the payment can be made in advance before the payment due date, manual payment operation by a user is not needed, the flexibility of the payment of the user is improved, the probability of overdue accounts of the user is favorably reduced, and personal credit investigation of the user is avoided being influenced by the overdue payment.
The embodiment of the application provides a computer-readable storage medium, and a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the automatic payment method shown in the embodiment of the method is realized.
The computer-readable storage medium provided in the embodiments of the present application is applicable to any of the embodiments of the foregoing method, and is not described herein again.
Compared with the prior art, the embodiment of the application provides a computer-readable storage medium, which tries to deduct money from an account of a user on an automatic money deducting day in a repayment period and automatically repays the corresponding repayment period based on whether the money deduction is successful or not. Based on the scheme, the payment can be made in advance before the payment due date, manual payment operation by a user is not needed, the flexibility of the payment of the user is improved, the probability of overdue accounts of the user is favorably reduced, and personal credit investigation of the user is avoided being influenced by the overdue payment.
It should be understood that, although the steps in the flowcharts of the figures are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and may be performed in other orders unless explicitly stated herein. Moreover, at least a portion of the steps in the flow chart of the figure may include multiple sub-steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed in sequence, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
The foregoing is only a partial embodiment of the present invention, and it should be noted that, for those skilled in the art, various modifications and decorations can be made without departing from the principle of the present invention, and these modifications and decorations should also be regarded as the protection scope of the present invention.
Claims (15)
1. An automatic payment method, comprising:
acquiring automatic deduction dates of the loan of the user in each repayment period, wherein the automatic deduction dates are before repayment due dates in each repayment period;
attempting to debit the user's account on the automatic debit date;
and carrying out automatic repayment corresponding to the repayment period based on whether the deduction is successful or not.
2. The method of claim 1, wherein obtaining the date of automatic deduction of the user's loan in each repayment period comprises any one of:
determining the fixed repayment date in each repayment period set by the user as an automatic deduction date;
and determining the automatic deduction date based on the advanced payment days set by the user and the payment due date of each payment period.
3. The method of claim 1, wherein automatically repayment for the corresponding repayment cycle based on whether the deduction was successful comprises:
if the deduction is successful, automatic payment corresponding to the payment period is carried out through the deducted money item;
and if the deduction fails, subscribing the account balance change condition of the user in the remaining time of the automatic deduction day, and carrying out automatic payment corresponding to the payment period based on whether the account balance of the user in the remaining time supports the deduction.
4. The method of claim 3, wherein the performing of the automatic payment for the corresponding payment period based on whether the deduction is supported by the account balance of the user for the remaining time comprises:
if the balance of the account of the user supports deduction in the remaining time, deducting the account of the user, and automatically repaying the corresponding repayment period through the deducted money item;
and if the account balance of the user cannot support deduction within the remaining time, continuously trying to deduct money based on a preset retry strategy after the automatic deduction day, and automatically repayment in a corresponding repayment period based on the result of trying to deduct money.
5. The method of claim 4, wherein the continuing to attempt deduction based on the preset retry strategy comprises:
and if the retry strategy presets retry days, deducting the account of the user within the retry days until the deduction is successful or the retry days are exceeded.
6. The method of claim 4, wherein the continuing to attempt deduction based on the preset retry strategy comprises:
and if the retry days are not preset in the retry strategy, deducting the account of the user every day after the automatic deduction day until the deduction is successful or the automatic deduction day of the next repayment period is reached.
7. The method of claim 1, wherein said automatically paying for the corresponding payment cycle by the deducted money item comprises:
and if the deducted money item is smaller than the due amount, carrying out partial repayment of the corresponding repayment period based on the deducted money item.
8. The method of claim 1, further comprising:
and if the balance of the account of the user cannot support automatic payment in the corresponding payment period before the payment due date, performing payment firstly, and deducting the account of the user after a specified time period after payment is completed.
9. The method of claim 8, further comprising:
and if the deduction fails when the payment is carried out on the account of the user after the designated time period after the payment is finished, the payment is carried out positively.
10. The method according to any one of claims 1-9, further comprising:
and when the account of the user meets a first preset condition, deducting money from the associated account of the account.
11. The method according to any one of claims 1-9, further comprising:
and when the account of the user meets a second preset condition, deducting money from the account of the associated user of the user.
12. The method according to any one of claims 1-9, further comprising:
and if the automatic deduction date or the payment due date in the payment period is a holiday, adjusting the automatic deduction date or the payment due date in the payment period to be the first working day after the holiday.
13. An automatic payment device, comprising:
the automatic deduction date acquisition module is used for acquiring the automatic deduction date of the loan of the user in each repayment period, wherein the automatic deduction date is before the repayment due date in each repayment period;
the automatic deduction module is used for attempting to deduct money from the account of the user on the automatic deduction day;
and the automatic repayment module is used for carrying out automatic repayment corresponding to the repayment period based on whether the deduction is successful or not.
14. An electronic device comprising a processor and a memory;
the memory is used for storing operation instructions;
the processor is used for executing the method of any one of claims 1-12 by calling the operation instruction.
15. A computer-readable storage medium, characterized in that the storage medium has stored thereon a computer program which, when being executed by a processor, carries out the method of any one of claims 1-12.
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| CN202011565716.8A CN112561693A (en) | 2020-12-25 | 2020-12-25 | Automatic payment method, device, electronic equipment and computer readable storage medium |
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| CN202011565716.8A CN112561693A (en) | 2020-12-25 | 2020-12-25 | Automatic payment method, device, electronic equipment and computer readable storage medium |
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| CN202011565716.8A Pending CN112561693A (en) | 2020-12-25 | 2020-12-25 | Automatic payment method, device, electronic equipment and computer readable storage medium |
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Application publication date: 20210326 |