CN114971893B - Loan deduction mode flexible configuration method and system - Google Patents
Loan deduction mode flexible configuration method and system Download PDFInfo
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- CN114971893B CN114971893B CN202210900581.9A CN202210900581A CN114971893B CN 114971893 B CN114971893 B CN 114971893B CN 202210900581 A CN202210900581 A CN 202210900581A CN 114971893 B CN114971893 B CN 114971893B
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Abstract
The invention relates to the technical field of financial management, and particularly discloses a method and a system for flexibly configuring a loan deduction mode, wherein the method comprises the steps of receiving a loan request sent by a user; carrying out risk analysis on the user information to determine loan parameters; determining deduction atomic items according to the loan parameters, and arranging the deduction atomic items to obtain atomic item lists in different orders; selecting a certain atomic item list from atomic item lists in different orders as a deduction strategy; and receiving a repayment request containing a repayment amount sent by a user, and updating the deduction strategy. The invention extracts all the cost calculations into independent atom calculations, each atom calculation is a small step in the strategy, the combination of atom calculations in different sequences is abstracted into the strategy, the user and the strategy are in a many-to-many mode, and when the user initiates payment, a deduction example is generated for the corresponding strategy to carry out deduction, thereby greatly improving the flexibility of strategy replacement.
Description
Technical Field
The invention relates to the technical field of financial management, in particular to a method and a system for flexibly configuring loan deduction modes.
Background
Loan in the broad sense refers to the generic term of loan funds such as loan, cash deposit, overdraft, etc. The bank puts in the centralized currency and the currency fund in a loan mode, can meet the requirement of social expansion reproduction on supplementary fund, promotes the development of economy, and meanwhile, the bank can obtain loan interest income and increase the accumulation of the bank.
In the loan process, an important component is repayment, which money is paid for a certain amount of money, most of the money is fixed in the conventional loan deduction process, and the money is determined and is difficult to change when a contract is signed; on one hand, the handover of both parties of a contract is difficult, and on the other hand, the system needs to make a deduction flow again, and when more items are changed, a worker is difficult to make the deduction flow quickly; the technical scheme of the invention aims to solve the latter problem, how to improve the money deduction process making efficiency and reduce the working pressure of workers.
Disclosure of Invention
The invention aims to provide a method and a system for flexibly configuring a loan deduction mode so as to solve the problems in the background technology.
In order to achieve the purpose, the invention provides the following technical scheme:
a method for flexibly configuring loan deduction modes, which comprises the following steps:
receiving a loan request containing user information sent by a user;
carrying out risk analysis on the user information, and determining loan parameters according to a risk analysis result; the loan parameters comprise a loan amount, a loan term and a loan interest rate;
determining deduction atomic items according to the loan parameters, and arranging the deduction atomic items to obtain atomic item lists in different orders;
selecting a certain atomic item list from atomic item lists in different orders as a deduction strategy;
receiving a repayment request containing a repayment amount sent by a user, updating the deduction atomic items in the atomic item list according to the deduction strategy, and updating the deduction strategy according to the updated deduction atomic items.
As a further scheme of the invention: the step of receiving the loan request containing the user information sent by the user comprises the following steps:
when a loan request sent by a user is received, setting the request frequency as one;
obtaining login information containing a user ID, and inquiring user registration information corresponding to the login information in a preset information database;
comparing the login information containing the user ID with the user registration information, and when the login information containing the user ID is the same as the user registration information, passing the verification;
when the login information containing the user ID is different from the user registration information, comparing the request times with a preset time threshold, circularly receiving a loan request sent by the user when the request times are smaller than the time threshold, and accumulating the request times; and when the request times reach a preset time threshold value, closing the loan request receiving port.
As a further scheme of the invention: the step of performing risk analysis on the user information and determining loan parameters according to risk analysis results comprises the following steps:
obtaining the state of a mortgage, and determining the loan amount and the loan duration according to the state of the mortgage;
acquiring a repayment record of a user, and determining overdue frequency and overdue duration;
acquiring evaluation information of a user, and correcting the loan amount and the loan duration according to the evaluation information, the overdue frequency and the overdue duration;
and inputting the loan amount and the loan duration into a trained interest rate calculation formula to obtain the loan interest rate.
As a further scheme of the invention: the steps of acquiring the evaluation information of the user and correcting the loan amount and the loan duration according to the evaluation information, the overdue frequency and the overdue duration comprise:
reading a social contact list in user information, randomly sending a scoring request to each person based on the social contact list, and recording the sending number;
receiving the personnel score, recording a feedback number, and generating a correction proportion according to the feedback number and the sending number;
calculating a safety score according to personnel and a correction proportion, and correcting the loan amount and the loan duration according to the safety score, the overdue frequency and the overdue duration;
wherein the personnel score is in percent; and the personnel in the social contact list are the providers of the information sending authority.
As a further scheme of the invention: the steps of determining deduction atomic items according to the loan parameters, arranging the deduction atomic items and obtaining atomic item lists in different sequences comprise:
inputting the loan parameters into a trained periodic task loan fee calculation model, and determining deduction atomic items; the deduction element items comprise an advance repayment commission item, a fine item, a loan commission item, an interest item and a principal item;
arranging each deduction atomic item to obtain an atomic item list containing sequence labels; the label is used for representing the arrangement sequence of each deduction atomic item in the atomic item list.
As a further scheme of the invention: the steps of receiving a repayment request containing a repayment amount sent by a user, updating the deduction atomic items in the atomic item list according to the deduction strategy, and updating the deduction strategy according to the updated deduction atomic items comprise:
receiving a repayment request containing a repayment amount sent by a user, and inquiring a deduction strategy of the user;
sequentially calculating the amount to be refunded of each refunding atomic item in the refunding strategy, comparing the refunding amount with the amount to be refunded, and updating the corresponding refunding atomic item and the refunding amount when the refunding amount is larger than the amount to be refunded;
when the payment amount is smaller than the due payment amount, generating a stop instruction after updating the corresponding deduction atomic item based on the payment amount;
inquiring all the atomic item lists according to the sequential labels, and updating all the atomic item lists according to the updated deduction atomic items; and when a strategy replacement request containing the sequence label and input by a user is received, selecting a certain atomic item list from all the updated atomic item lists as a deduction strategy.
The technical scheme of the invention also provides a system for flexibly configuring the loan deduction mode, which comprises:
the request receiving module is used for receiving a loan request containing user information sent by a user;
the loan parameter determination module is used for carrying out risk analysis on the user information and determining loan parameters according to the risk analysis result; the loan parameters comprise a loan amount, a loan term and a loan interest rate;
the atomic item determining module is used for determining deduction atomic items according to the loan parameters, and arranging each deduction atomic item to obtain atomic item lists in different sequences;
the strategy selection generation module is used for selecting a certain atomic item list from atomic item lists in different sequences as a deduction strategy;
and the data updating module is used for receiving a repayment request containing a repayment amount sent by a user, updating the deduction atomic items in the atomic item list according to the deduction strategy and updating the deduction strategy according to the updated deduction atomic items.
As a further scheme of the invention: the request receiving module comprises:
the system comprises a number generation unit, a loan request generation unit and a loan processing unit, wherein the number generation unit is used for setting the request number to one when receiving a loan request sent by a user;
the information inquiry unit is used for acquiring login information containing a user ID and inquiring user registration information corresponding to the login information in a preset information database;
the information comparison unit is used for comparing login information containing a user ID with the user registration information, and when the login information containing the user ID is the same as the user registration information, the authentication is passed;
the port control unit is used for comparing the request times with a preset time threshold when login information containing a user ID is different from the user registration information, circularly receiving a loan request sent by a user when the request times are smaller than the time threshold, and accumulating the request times; and when the request times reach a preset time threshold, closing the loan request receiving port.
As a further scheme of the invention: the loan parameter determination module comprises:
the limit duration query unit is used for acquiring the mortgage state and determining the loan limit and the loan duration according to the mortgage state; the mortgage state is a preset value;
the payment record query unit is used for acquiring the payment record of the user and determining overdue frequency and overdue duration;
the limit duration correction unit is used for acquiring evaluation information of the user and correcting the loan limit and the loan duration according to the evaluation information, the overdue frequency and the overdue duration;
and the interest rate calculation unit is used for inputting the loan amount and the loan duration into a trained interest rate calculation formula to obtain the loan interest rate.
As a further scheme of the invention: the atomic item determination module comprises:
the model analysis unit is used for inputting the loan parameters into a trained periodic task loan expense calculation model and determining deduction atomic items; the deduction element items comprise an advance repayment commission item, a fine item, a loan commission item, an interest item and a principal item;
the arrangement unit is used for arranging all the deduction atomic items to obtain an atomic item list containing sequence labels; the label is used for representing the arrangement sequence of each deduction atomic item in the atomic item list.
Compared with the prior art, the invention has the beneficial effects that: according to the invention, all cost calculations are separated into independent atom calculations, each atom calculation is a small step in the strategy, the combination of atom calculations in different sequences is abstracted into the strategy, the user and the strategy are in a many-to-many mode, and when the user initiates payment, a deduction example is generated for the corresponding strategy to carry out deduction, so that the flexibility of strategy replacement is greatly improved.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention.
FIG. 1 is a block diagram of a process for flexibly configuring loan deduction.
FIG. 2 is a block diagram of a first sub-process of a method for flexibly configuring loan deduction.
FIG. 3 is a second sub-flow diagram of a loan deduction flexible allocation method.
Fig. 4 is a third sub-flow diagram of a loan deduction flexible allocation method.
FIG. 5 is a block diagram of the configuration of the loan deduction system.
Fig. 6 is a block diagram of the loan parameter determination module in the loan deduction mode flexible configuration system.
Fig. 7 is a block diagram of the component structure of the primitive item determining module in the loan deduction mode flexible configuration system.
Detailed Description
In order to make the technical problems, technical solutions and advantageous effects to be solved by the present invention more clearly apparent, the present invention is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Example 1
Fig. 1 is a flow chart of a method for flexibly configuring loan deduction modes, in an embodiment of the present invention, a method for flexibly configuring loan deduction modes includes:
step S100: receiving a loan request containing user information sent by a user;
step S200: carrying out risk analysis on the user information, and determining loan parameters according to a risk analysis result; the loan parameters comprise a loan amount, a loan term and a loan interest rate;
after receiving a loan request of a user, a simple risk analysis needs to be performed on the user to further determine how many loan amounts the user can obtain and corresponding loan terms, and a loan interest rate can be determined according to the loan amounts and the loan terms.
Step S300: determining deduction atomic items according to the loan parameters, and arranging the deduction atomic items to obtain atomic item lists in different sequences;
step S400: selecting a certain atomic item list from atomic item lists in different orders as a deduction strategy;
with the increasing demand of enterprises on platform loan, the requirements on loan amount, loan term and repayment mode are different, and under the condition of not invading the original functions of the system, a cost deduction strategy which can be flexibly configured by the loan mode is designed, so that the repayment step can be flexibly configured, and the expandability of the system is enhanced; in the above content, the system extracts all the cost calculations into independent atomic calculations, each atomic calculation is a small step in the strategy, the combination of atomic calculations in different sequences is abstracted into the strategy, the system can newly add a modification deletion strategy, the user and the strategy are in a many-to-many mode, and when the user initiates payment, a deduction instance is generated for the corresponding strategy to carry out deduction.
Step S500: receiving a repayment request containing a repayment amount sent by a user, updating the deduction atomic items in the atomic item list according to the deduction strategy, and updating the deduction strategy according to the updated deduction atomic items;
when a repayment request of a user is received, updating each deduction atomic item in sequence according to the repayment amount and a corresponding deduction strategy; and when the deduction atomic item is updated, updating all the atomic item lists and the deduction strategy.
Specifically, the following is an example of the update process of the deduction atomic item:
setting the charge X element, the charge Y element and the current repayment M element for a certain item, wherein the calculation process comprises the following steps:
d = X-Y, deduction N = (M > =) D, if M > =, the deduction amount is D, if M < D, the deduction amount is M;
updating Y = Y + N, and M = M-N;
and M =0 deduction sequence exits, otherwise, the next deduction sequence is entered.
Further, the step of receiving a loan request containing user information sent by a user comprises:
when a loan request sent by a user is received, setting the request frequency as one;
obtaining login information containing a user ID, and inquiring user registration information corresponding to the login information in a preset information database;
comparing the login information containing the user ID with the user registration information, and when the login information containing the user ID is the same as the user registration information, passing the verification;
when the login information containing the user ID is different from the user registration information, comparing the request times with a preset time threshold, circularly receiving a loan request sent by the user when the request times are smaller than the time threshold, and accumulating the request times; and when the request times reach a preset time threshold value, closing the loan request receiving port.
The above details the receiving process of the loan request, introduces the parameter of the number of times of request, when the user accesses the system, inputs the own account information, the system verifies the account information, when the verification is passed, the subsequent steps are executed; if the verification is not passed, the verification times are recorded, if the verification times are within a certain range, the loan request input by the user is continuously received, if the verification times are excessive, the account information is in a risk state, and correspondingly, the loan request receiving port is closed.
Fig. 2 is a block diagram of a first sub-flow of a flexible configuration method of loan deduction, where the step of performing risk analysis on the user information and determining loan parameters according to the risk analysis result includes steps S201 to S204:
step S201: obtaining the state of a mortgage, and determining the loan amount and the loan duration according to the state of the mortgage;
step S202: acquiring a repayment record of a user, and determining overdue frequency and overdue duration;
step S203: acquiring evaluation information of a user, and correcting the loan amount and the loan duration according to the evaluation information, the overdue frequency and the overdue duration;
step S204: and inputting the loan amount and the loan duration into a trained interest rate calculation formula to obtain the loan interest rate.
Step S201 to step S204 describe the loan parameter determination specifically, first, the loan amount and the loan duration are generally closely related to the mortgage, the mortgage state is a generic concept, which may be some virtual assets or some tangible assets, and the staff will evaluate the assets to obtain a mortgage state, which is stored as a preset value; then, obtaining a repayment record and related evaluation information of the user, and finely adjusting the loan amount and the loan duration according to the repayment record and the evaluation information; and finally, calculating the loan interest rate according to the loan amount and the loan duration.
Further, the steps of obtaining the evaluation information of the user and correcting the loan amount and the loan duration according to the evaluation information, the overdue frequency and the overdue duration include:
reading a social contact list in user information, randomly sending a scoring request to each person based on the social contact list, and recording the sending number;
receiving the personnel score, recording the feedback number, and generating a correction proportion according to the feedback number and the sending number;
calculating a safety score according to personnel and a correction proportion, and correcting the loan amount and the loan duration according to the safety score, the overdue frequency and the overdue duration;
wherein the personnel score is in percent; and all the people in the social contact list are the providers of the information sending authority.
In the evaluation process, on one hand, the score of the user is determined based on the scores of all the persons; on the other hand, the feedback number and the transmission number are also considered, and in many cases, the latent meaning of not scoring is that a score is not too high; for example, if for a user, only one or two of his friends have been scored high or low, and none of the others have been scored, then his final score should depend on the default score to which no score corresponds, rather than those two high or low scores.
Fig. 3 is a block diagram of a second sub-flow of a flexible configuration method of loan deduction modes, where the step of determining deduction atomic items according to the loan parameters, arranging the deduction atomic items, and obtaining atomic item lists in different sequences includes steps S301 to S302:
step S301: inputting the loan parameters into a trained periodic task loan fee calculation model, and determining deduction atomic items; the deduction element items comprise an advance repayment commission item, a fine item, a loan commission item, an interest item and a principal item;
step S302: arranging each deduction atomic item to obtain an atomic item list containing a sequence label; the label is used for representing the arrangement sequence of each deduction atomic item in the atomic item list.
In the above, there are many types of deduction atomic items, and the five items are included in general; the deduction atomic items are arranged to obtain different atomic item lists, the atomic item lists contain sequence characteristics, and any one of the atomic item lists can be used as a deduction strategy.
Fig. 4 is a block diagram of a third sub-flow of the flexible configuration method of loan deduction mode, where the step of receiving a repayment request containing a payment amount sent by a user, updating a deduction atomic item in an atomic item list according to a deduction policy, and updating the deduction policy according to the updated deduction atomic item includes steps S501 to S504:
step S501: receiving a repayment request containing a repayment amount sent by a user, and inquiring a deduction strategy of the user;
step S502: calculating the refund amount of each refund atomic item in the refund strategy in sequence, comparing the refund amount with the refund amount, and updating the corresponding refund atomic items and the refund amount when the refund amount is larger than the refund amount;
step S503: when the payment amount is smaller than the due payment amount, generating a stop instruction after updating the corresponding deduction atomic item based on the payment amount;
step S504: inquiring all the atomic item lists according to the sequence labels, and updating all the atomic item lists according to the updated deduction atomic items; when a strategy replacement request containing a sequence label and input by a user is received, selecting a certain atomic item list from all the updated atomic item lists as a deduction strategy.
Steps S501 to S504 are specific execution processes, and it should be noted that when the payoff amount is smaller than the payoff amount, there are two operation modes after updating the corresponding deduction atomic item based on the payoff amount, one is to stop updating the deduction atomic item and directly generate a stop instruction, and the other is to continue updating the deduction atomic item by using the existing payoff amount until the payoff amount is zero.
Example 2
Fig. 5 is a block diagram of a structure of a system for flexibly configuring loan deduction modes, in an embodiment of the present invention, the system 10 includes:
a request receiving module 11, configured to receive a loan request containing user information sent by a user;
a loan parameter determination module 12, configured to perform risk analysis on the user information, and determine a loan parameter according to a risk analysis result; the loan parameters comprise a loan amount, a loan term and a loan interest rate;
an atomic item determining module 13, configured to determine deduction atomic items according to the loan parameters, arrange the deduction atomic items, and obtain atomic item lists in different orders;
a strategy selection generation module 14, configured to select an atomic item list from atomic item lists in different orders, as a deduction strategy;
and the data updating module 15 is configured to receive a repayment request containing a repayment amount sent by a user, update the deduction atomic items in the atomic item list according to the deduction policy, and update the deduction policy according to the updated deduction atomic items.
Further, the request receiving module includes:
the system comprises a number generation unit, a loan request generation unit and a loan processing unit, wherein the number generation unit is used for setting the request number to one when receiving a loan request sent by a user;
the information inquiry unit is used for acquiring login information containing a user ID and inquiring user registration information corresponding to the login information in a preset information database;
the information comparison unit is used for comparing login information containing a user ID with the user registration information, and when the login information containing the user ID is the same as the user registration information, the user passes the verification;
the port control unit is used for comparing the request times with a preset time threshold when login information containing a user ID is different from the user registration information, circularly receiving a loan request sent by a user when the request times are smaller than the time threshold, and accumulating the request times; and when the request times reach a preset time threshold, closing the loan request receiving port.
Fig. 6 is a block diagram illustrating a configuration of a loan parameter determination module 12 in a loan deduction mode flexible configuration system, where the loan parameter determination module 12 includes:
a limit duration query unit 121, configured to obtain a mortgage state, and determine a loan limit and a loan duration according to the mortgage state; the mortgage state is a preset value;
a repayment record query unit 122, configured to obtain a repayment record of the user, and determine an overdue frequency and an overdue duration;
a limit duration correction unit 123, configured to obtain evaluation information of the user, and correct the loan limit and the loan duration according to the evaluation information, the overdue frequency, and the overdue duration;
and the interest rate calculating unit 124 is used for inputting the loan amount and the loan duration into a trained interest rate calculating formula to obtain the loan interest rate.
Fig. 7 is a block diagram illustrating a component structure of the atomic item determining module 13 in the flexible loan deduction mode configuration system, where the atomic item determining module 13 includes:
the model analysis unit 131 is used for inputting the loan parameters into a trained periodic task loan expense calculation model and determining deduction atomic items; the deduction atomic items comprise an advance repayment commission item, a fine item, a loan commission item, an interest item and a principal item;
an arranging unit 132, configured to arrange each deduction atom item to obtain an atom item list including a sequence tag; the label is used for representing the arrangement sequence of each deduction atomic item in the atomic item list.
The functions which can be realized by the loan deduction mode flexible configuration method are all completed by computer equipment, the computer equipment comprises one or more processors and one or more memories, at least one program code is stored in the one or more memories, and the program code is loaded and executed by the one or more processors to realize the functions of the loan deduction mode flexible configuration method.
The processor fetches instructions and analyzes the instructions from the memory one by one, then completes corresponding operations according to the instruction requirements, generates a series of control commands, enables all parts of the computer to automatically, continuously and coordinately act to form an organic whole, realizes the input of programs, the input of data, the operation and the output of results, and the arithmetic operation or the logic operation generated in the process is completed by the arithmetic unit; the Memory comprises a Read-Only Memory (ROM) for storing a computer program, and a protection device is arranged outside the Memory.
Illustratively, the computer program may be partitioned into one or more modules, stored in memory and executed by a processor, to implement the invention. One or more of the modules may be a series of computer program instruction segments capable of performing certain functions, which are used to describe the execution of the computer program in the terminal device.
Those skilled in the art will appreciate that the above description of the service device is merely exemplary and not limiting of the terminal device, and may include more or less components than those described, or combine certain components, or different components, such as may include input output devices, network access devices, buses, etc.
The Processor may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. The general-purpose processor may be a microprocessor or the processor may be any conventional processor or the like, which is the control center of the terminal equipment and connects the various parts of the entire user terminal using various interfaces and lines.
The memory may be used to store computer programs and/or modules, and the processor may implement various functions of the terminal device by operating or executing the computer programs and/or modules stored in the memory and calling data stored in the memory. The memory mainly comprises a storage program area and a storage data area, wherein the storage program area can store an operating system, application programs (such as an information acquisition template display function, a product information publishing function and the like) required by at least one function and the like; the storage data area may store data created according to the use of the berth-state display system (e.g., product information acquisition templates corresponding to different product types, product information that needs to be issued by different product providers, etc.), and the like. In addition, the memory may include high speed random access memory, and may also include non-volatile memory, such as a hard disk, a memory, a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), at least one magnetic disk storage device, a Flash memory device, or other volatile solid state storage device.
The terminal device integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, all or part of the modules/units in the system according to the above embodiment may also be implemented by instructing relevant hardware by a computer program, and the computer program may be stored in a computer-readable storage medium, and when executed by a processor, the computer program may implement the functions of the above embodiments of the system. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer readable medium may include: any entity or device capable of carrying computer program code, recording medium, U.S. disk, removable hard disk, magnetic disk, optical disk, computer Memory, read-Only Memory (ROM), random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution media, and the like.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one of 8230, and" comprising 8230does not exclude the presence of additional like elements in a process, method, article, or apparatus comprising the element.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (7)
1. A method for flexibly configuring loan deduction modes is characterized by comprising the following steps:
receiving a loan request containing user information sent by a user;
carrying out risk analysis on the user information, and determining loan parameters according to a risk analysis result; the loan parameters comprise a loan amount, a loan term and a loan interest rate;
determining deduction atomic items according to the loan parameters, and arranging the deduction atomic items to obtain atomic item lists in different sequences;
selecting a certain atomic item list from atomic item lists in different orders as a deduction strategy;
receiving a repayment request containing a repayment amount sent by a user, updating the deduction atomic items in the atomic item list according to the deduction strategy, and updating the deduction strategy according to the updated deduction atomic items;
the steps of determining deduction atomic items according to the loan parameters, arranging the deduction atomic items and obtaining atomic item lists in different sequences comprise:
inputting the loan parameters into a trained periodic task loan fee calculation model, and determining deduction atomic items; the deduction element items comprise an advance repayment commission item, a fine item, a loan commission item, an interest item and a principal item;
arranging each deduction atomic item to obtain an atomic item list containing a sequence label; the label is used for representing the arrangement sequence of each deduction atomic item in the atomic item list;
the steps of receiving a repayment request containing a payment amount sent by a user, updating the deduction atomic items in the atomic item list according to the deduction strategy, and updating the deduction strategy according to the updated deduction atomic items comprise:
receiving a repayment request containing a repayment amount sent by a user, and inquiring a deduction strategy of the user;
sequentially calculating the amount to be refunded of each refunding atomic item in the refunding strategy, comparing the refunding amount with the amount to be refunded, and updating the corresponding refunding atomic item and the refunding amount when the refunding amount is larger than the amount to be refunded;
when the payment amount is smaller than the due payment amount, generating a stop instruction after updating the corresponding deduction atomic item based on the payment amount;
inquiring all the atomic item lists according to the sequential labels, and updating all the atomic item lists according to the updated deduction atomic items; and when a strategy replacement request containing the sequence label and input by a user is received, selecting a certain atomic item list from all the updated atomic item lists as a deduction strategy.
2. The method of claim 1, wherein the step of receiving a loan request containing user information sent by a user comprises:
when a loan request sent by a user is received, setting the request frequency as one;
obtaining login information containing a user ID, and inquiring user registration information corresponding to the login information in a preset information database;
comparing the login information containing the user ID with the user registration information, and when the login information containing the user ID is the same as the user registration information, passing the verification;
3. when the login information containing the user ID is different from the user registration information, comparing the request times with a preset time threshold, circularly receiving a loan request sent by the user when the request times are smaller than the time threshold, and accumulating the request times; and when the request times reach a preset time threshold value, closing the loan request receiving port. The method of claim 1, wherein the step of performing risk analysis on the user information and determining loan parameters according to the result of the risk analysis comprises:
obtaining the state of a mortgage, and determining the loan amount and the loan duration according to the state of the mortgage;
acquiring a repayment record of a user, and determining overdue frequency and overdue duration;
acquiring evaluation information of a user, and correcting the loan amount and the loan duration according to the evaluation information, the overdue frequency and the overdue duration;
and inputting the loan amount and the loan duration into a trained interest rate calculation formula to obtain the loan interest rate.
4. The flexible loan deduction mode configuration method according to claim 3, wherein the step of obtaining the evaluation information of the user and correcting the loan amount and the loan duration according to the evaluation information, the overdue frequency and the overdue duration comprises:
reading a social contact list in user information, randomly sending a scoring request to each person based on the social contact list, and recording the sending number;
receiving the personnel score, recording a feedback number, and generating a correction proportion according to the feedback number and the sending number;
calculating a safety score according to personnel and a correction proportion, and correcting the loan amount and the loan duration according to the safety score, the overdue frequency and the overdue duration;
wherein the personnel score is in percent; and all the people in the social contact list are the providers of the information sending authority.
5. A loan deduction mode flexible configuration system, characterized in that the system comprises:
the request receiving module is used for receiving a loan request containing user information sent by a user;
the loan parameter determining module is used for carrying out risk analysis on the user information and determining loan parameters according to the risk analysis result; the loan parameters comprise a loan amount, a loan term and a loan interest rate;
the atomic item determining module is used for determining deduction atomic items according to the loan parameters, and arranging the deduction atomic items to obtain atomic item lists in different sequences;
the strategy selection generation module is used for selecting a certain atomic item list from atomic item lists in different sequences as a deduction strategy;
the data updating module is used for receiving a repayment request containing a repayment amount sent by a user, updating the deduction atomic items in the atomic item list according to the deduction strategy and updating the deduction strategy according to the updated deduction atomic items;
the atomic item determination module comprises:
the model analysis unit is used for inputting the loan parameters into a trained periodic task loan expense calculation model and determining deduction atomic items; the deduction element items comprise an advance repayment commission item, a fine item, a loan commission item, an interest item and a principal item;
the arrangement unit is used for arranging each deduction atomic item to obtain an atomic item list containing a sequence label; the label is used for representing the arrangement sequence of each deduction atomic item in the atomic item list;
the receiving a repayment request containing a repayment amount sent by a user, updating the deduction atomic items in the atomic item list according to the deduction strategy, and updating the contents of the deduction strategy according to the updated deduction atomic items comprises the following steps:
receiving a repayment request containing a repayment amount sent by a user, and inquiring a deduction strategy of the user;
calculating the refund amount of each refund atomic item in the refund strategy in sequence, comparing the refund amount with the refund amount, and updating the corresponding refund atomic items and the refund amount when the refund amount is larger than the refund amount;
when the payment amount is smaller than the due payment amount, generating a stop instruction after updating the corresponding deduction atomic item based on the payment amount;
inquiring all the atomic item lists according to the sequential labels, and updating all the atomic item lists according to the updated deduction atomic items; and when a strategy replacement request containing the sequence label and input by a user is received, selecting a certain atomic item list from all the updated atomic item lists as a deduction strategy.
6. The loan deduction flexible configuration system according to claim 5, wherein the request receiving module comprises:
the system comprises a number generation unit, a loan request generation unit and a loan processing unit, wherein the number generation unit is used for setting the request number to one when receiving a loan request sent by a user;
the information inquiry unit is used for acquiring login information containing a user ID and inquiring user registration information corresponding to the login information in a preset information database;
the information comparison unit is used for comparing login information containing a user ID with the user registration information, and when the login information containing the user ID is the same as the user registration information, the authentication is passed;
the port control unit is used for comparing the request times with a preset time threshold when login information containing a user ID is different from the user registration information, circularly receiving a loan request sent by a user when the request times are smaller than the time threshold, and accumulating the request times; and when the request times reach a preset time threshold, closing the loan request receiving port.
7. The loan deduction flexible configuration system according to claim 5, wherein the loan parameter determination module comprises:
the limit duration query unit is used for acquiring the mortgage state and determining the loan limit and the loan duration according to the mortgage state; the mortgage state is a preset value;
the repayment record query unit is used for acquiring a repayment record of a user and determining overdue frequency and overdue duration;
the limit duration correction unit is used for acquiring evaluation information of the user and correcting the loan limit and the loan duration according to the evaluation information, the overdue frequency and the overdue duration;
and the interest rate calculation unit is used for inputting the loan amount and the loan duration into a trained interest rate calculation formula to obtain the loan interest rate.
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