CN116883143A

CN116883143A - Method and device for paying back offers of financial products, electronic equipment and storage medium

Info

Publication number: CN116883143A
Application number: CN202310639297.5A
Authority: CN
Inventors: 张耀强; 李树峰; 徐楠; 樊海瑞
Original assignee: Jilin Yillion Bank Co ltd
Current assignee: Jilin Yillion Bank Co ltd
Priority date: 2023-05-31
Filing date: 2023-05-31
Publication date: 2023-10-13

Abstract

The invention discloses an offer repayment method and device of a financial product, electronic equipment and a storage medium, and relates to the field of financial science and technology, wherein the offer repayment method comprises the following steps: receiving information to be paid, wherein the information to be paid is sent by a service client based on a payment willingness of a user; generating an offer repayment notice based on the information to be repayment, and sending the offer repayment notice to a user, wherein the offer repayment notice comprises a repayment link; and receiving repayment operation of the user side, and updating repayment records of corresponding users of the user side based on the repayment operation. The invention solves the technical problems of complicated repayment flow and low processing efficiency in the related technology in a manner of repayment of overdue financial products by service personnel prompting and user line paying.

Description

Method and device for paying back offers of financial products, electronic equipment and storage medium

Technical Field

The invention relates to the field of financial science and technology and other related technical fields, in particular to an offer repayment method and device for a financial product, electronic equipment and a storage medium.

Background

With the rapid expansion of financial services and the increasing availability of financial products, the consumer demand for purchasing financial products is increasing, wherein in the field of credit loans, financial institutions push out a wide variety of credit products, and credit products become the current mainstream financial products, which bring convenience and cause problems, such as: the repayment timeliness of the credit product is strong, if the repayment can not be timely performed, the credit of the user can be influenced, adverse effects are caused, and meanwhile, a plurality of adverse effects can be caused to a financial institution.

In the related art, when the user has the overdue condition of not repayment, financial institution business personnel can urge to collect to the user, and business personnel inform the user to pay the fixed account under the gold thread of paying, and the business department can accomplish the settlement after checking information and funds, and whole repayment flow is comparatively loaded down with trivial details, and processing efficiency is lower, still can cause the user to repay the problem of experiencing poor sense moreover.

In view of the above problems, no effective solution has been proposed at present.

Disclosure of Invention

The embodiment of the invention provides an offer repayment method and device for financial products, electronic equipment and a storage medium, which at least solve the technical problems of complicated repayment flow and low processing efficiency in the manner of repayment of overdue financial products by business personnel prompting and user line repayment in the related art.

According to an aspect of an embodiment of the present invention, there is provided an offer repayment method for a financial product, including: receiving information to be paid, wherein the information to be paid is sent by a service client based on the payment willingness of a user, and the information to be paid at least comprises: user name, user identity, user contact information, loan information and money to be paid; generating an offer repayment notice based on the information to be repayment, and sending the offer repayment notice to the user side, wherein the offer repayment notice comprises a repayment link; and receiving repayment operation of the user side, and updating repayment records of corresponding users of the user side based on the repayment operation.

Optionally, before receiving the information to be paid, the method further includes: selecting a loan product, and configuring an offer repayment strategy for the selected loan product.

Optionally, before receiving the information to be paid, the method further includes: real-time monitoring is carried out on the loan products configured with the offer repayment strategy, and a monitoring result is obtained; and sending reminding information to the service client under the condition that the monitoring result shows that the overdue unremoved money exists in the corresponding user of the user side, and requesting the repayment willingness from the user side by the service client.

Optionally, after receiving the payment information, the method further includes: constructing an H5 repayment interface according to the information to be repayment, wherein the H5 repayment interface at least comprises: the payment system comprises a user basic information module, a history payment recording module, a payment mode selection module, an immediate payment button and a payment amount waiting module, wherein the payment amount waiting module is used for displaying the payment amount waiting, and the payment amount waiting comprises: principal, interest, penalty; and creating the repayment link for the H5 repayment interface.

Optionally, after constructing the H5 payment interface according to the information to be paid, the method further includes: and adding a third party payment application interface into the repayment mode selection module, wherein after the user terminal selects the third party payment application in the repayment mode selection module, clicking the immediate repayment button jumps to the third party payment application interface.

Optionally, after creating the repayment link for the H5 repayment interface, the method further includes: and configuring an identity verification strategy for the repayment link, wherein the identity verification strategy is used for verifying whether the user corresponding to the user terminal is a repayment user, and allowing the user terminal to open the repayment link under the condition that verification is passed.

Optionally, the offer payment notification includes at least: the name of the repayment user, the contact information of the repayment user, the date of the repayment of the offer, the validity of the repayment notice of the offer, the repayment link and the payment method.

According to another aspect of the embodiment of the present invention, there is also provided an offer repayment method based on a financial product, including: receiving information to be paid, wherein the information to be paid is sent by a service client based on the payment willingness of a user, and the information to be paid at least comprises: user name, user identity, user contact information, loan information and money to be paid; generating an offer repayment short message based on the information to be repayment, and sending the offer repayment short message to the user side, wherein the offer repayment short message comprises a repayment link; and receiving repayment operation of the user side, and updating repayment records of corresponding users of the user side based on the repayment operation.

According to another aspect of the embodiment of the present invention, there is also provided an offer payment apparatus for a financial product, including: the receiving unit is used for receiving information to be paid, wherein the information to be paid is sent by the service client side based on the payment willingness of the user side, and the information to be paid at least comprises: user name, user identity, user contact information, loan information and money to be paid; the generation unit is used for generating an offer repayment notice based on the information to be repayment and sending the offer repayment notice to the user side, wherein the offer repayment notice comprises a repayment link; and the updating unit is used for receiving the repayment operation of the user side and updating the repayment record of the user corresponding to the user side based on the repayment operation.

Optionally, the offer repayment device of the financial product further includes: and the first configuration module is used for selecting loan products and configuring an offer repayment strategy for the selected loan products.

Optionally, the offer repayment device of the financial product further includes: the first monitoring module is used for monitoring the loan products configured with the offer repayment strategy in real time to obtain monitoring results; and the first sending module is used for sending reminding information to the service client when the monitoring result shows that the overdue repayment exists in the corresponding user of the user side, and the service client solicits the repayment willingness from the user side.

Optionally, the offer repayment device of the financial product further includes: the first construction module is used for constructing an H5 repayment interface according to the information to be repayment, wherein the H5 repayment interface at least comprises: the payment system comprises a user basic information module, a history payment recording module, a payment mode selection module, an immediate payment button and a payment amount waiting module, wherein the payment amount waiting module is used for displaying the payment amount waiting, and the payment amount waiting comprises: principal, interest, penalty; and the first creation module is used for creating the repayment link for the H5 repayment interface.

Optionally, the offer repayment device of the financial product further includes: the first adding module is used for adding a third party payment application interface in the repayment mode selection module, wherein after the user side selects the third party payment application in the repayment mode selection module, clicking the immediate repayment button jumps to the third party payment application interface.

Optionally, the offer repayment device of the financial product further includes: the second configuration module is used for configuring an identity verification strategy for the repayment link, wherein the identity verification strategy is used for verifying whether the user corresponding to the user terminal is a repayment user or not, and the user terminal is allowed to open the repayment link under the condition that verification is passed.

According to another aspect of the embodiment of the present invention, there is further provided a computer readable storage medium, where the computer readable storage medium includes a stored computer program, and when the computer program runs, the apparatus where the computer readable storage medium is controlled to execute the offer payment method of any one of the financial products.

According to another aspect of the embodiments of the present invention, there is also provided an electronic device including one or more processors and a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the offer payment method of any of the above financial products.

In the present disclosure, the method comprises the following steps: firstly, receiving information to be paid, wherein the information to be paid is sent by a service client based on the payment willingness of a user, and the information to be paid at least comprises: the method comprises the steps of generating an offer repayment notice based on user name, user identity, user contact information, loan information and to-be-repayment amount, sending the offer repayment notice to a user side, wherein the offer repayment notice comprises repayment links, receiving repayment operation of the user side, and updating repayment records of corresponding users of the user side based on the repayment operation.

In the method, after soliciting the payment willingness of a user, a business client sends information to be paid, which is related to a user corresponding to the user, based on the information to be paid, an offer payment notice is automatically generated, the offer payment notice comprises a payment link, after the offer payment notice is sent to the user, the user can directly pay the overdue product through the payment link, after receiving the payment operation of the user, the payment record corresponding to the user at the user is automatically updated, the user is invited to pay by the mode of the offer payment notice in the method, the payment process is simplified, the user does not need off-line payment, the payment experience of the user is improved, the payment willingness of the user is enhanced, the payment efficiency is improved, and further the technical problems that in the related technology, the payment process is complicated and the processing efficiency is low in a mode of paying the overdue financial product through the promotion of business personnel and the off-line payment are solved.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this specification, illustrate embodiments of the application and together with the description serve to explain the application and do not constitute a limitation on the application. In the drawings:

FIG. 1 is a flow chart of an alternative method of offer repayment of a financial product, in accordance with an embodiment of the present application;

FIG. 2 is a flow chart of another alternative method of offer repayment of a financial product, in accordance with an embodiment of the present application;

FIG. 3 is a schematic diagram of an alternative text message offer repayment process for a financial product, in accordance with an embodiment of the present application;

FIG. 4 is a schematic diagram of an alternative offer payment device for a financial product in accordance with an embodiment of the application;

fig. 5 is a block diagram of a hardware structure of an electronic device (or mobile device) of an offer repayment method for a financial product according to an embodiment of the present application.

Detailed Description

In order that those skilled in the art will better understand the present application, a technical solution in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present application without making any inventive effort, shall fall within the scope of the present application.

It should be noted that the terms "first," "second," and the like in the description and the claims of the present invention and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the invention described herein may be implemented in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

It should be noted that, the method and the device for repayment of the offer of the financial product in the present disclosure may be used in the field of financial technology when the user pays for the overdue financial product, or may be used in any field other than the field of financial technology when the user pays for the overdue financial product.

It should be noted that, related information (including but not limited to user equipment information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present disclosure are information and data authorized by a user or sufficiently authorized by each party, and the collection, use and processing of related data need to comply with related laws and regulations and standards of related countries and regions, and be provided with corresponding operation entries for the user to select authorization or rejection. For example, an interface is provided between the system and the relevant user or institution, before acquiring the relevant information, the system needs to send an acquisition request to the user or institution through the interface, and acquire the relevant information after receiving the consent information fed back by the user or institution.

The following embodiments of the invention are applicable to offer payment systems/applications/devices for various financial products. According to the invention, aiming at the prompting receipt scene, a mode of automatically generating the offer payment notice is adopted, the payment link is created and is placed into the offer payment notice, and the user side can pay through the payment link in the offer payment notice, so that the payment flow is simplified, the payment experience of the user is improved, and the prompting receipt efficiency is improved.

The present invention will be described in detail with reference to the following examples.

Example 1

In accordance with an embodiment of the present invention, there is provided an embodiment of an offer payment method for a financial product, it being noted that the steps illustrated in the flowchart of the figures may be performed in a computer system, such as a set of computer executable instructions, and, although a logical order is illustrated in the flowchart, in some cases, the steps illustrated or described may be performed in an order other than that illustrated herein.

FIG. 1 is a flow chart of an alternative method of offer repayment of a financial product, as shown in FIG. 1, comprising the steps of:

step S101, receiving information to be paid, wherein the information to be paid is sent by a service client based on the payment willingness of a user, and the information to be paid at least comprises: user name, user identity, user contact information, loan information and money to be paid;

step S102, generating an offer repayment notice based on the information to be repayment, and sending the offer repayment notice to a user side, wherein the offer repayment notice comprises a repayment link;

step S103, receiving repayment operation of the user side, and updating repayment records of corresponding users of the user side based on the repayment operation.

Through the steps, the information to be paid is received firstly, wherein the information to be paid is sent by the service client side based on the payment willingness of the user side, then an offer payment notice is generated based on the information to be paid, the offer payment notice is sent to the user side, the offer payment notice comprises a payment link, and finally the payment operation of the user side is received, and the payment record of the corresponding user of the user side is updated based on the payment operation.

In this embodiment, after soliciting a payment willingness of a user, the service client sends information to be paid related to a user corresponding to the user, based on the information to be paid, an offer payment notice is automatically generated, the offer payment notice includes a payment link, after the offer payment notice is sent to the user, the user can directly pay a overdue product through the payment link, after receiving a payment operation of the user, the user is invited to pay by automatically updating a payment record corresponding to the user, the payment process is simplified, the user does not need to pay off the money on line, the payment experience of the user can be improved, the payment willingness of the user is enhanced, the payment efficiency is improved, and further, the technical problems that in the related art, the payment process is complicated and the processing efficiency is low in a mode of paying the overdue financial product through the service staff's payment and the user's payment on line are solved.

Embodiments of the present invention will be described in detail with reference to the following steps.

It should be noted that, the implementation subject of the embodiment of the invention is an offer repayment system, in an induction scene, a business person communicates with a user, after the user commits to repayment, a notification containing loan repayment information and repayment link is generated through the offer repayment system, and the notification is sent to the user according to communication information reserved by the user (for example, a mobile phone number, an instant communication signal, an instant chat software number and the like), the user clicks the repayment link in the notification after receiving the notification, an H5 interface can be opened after authentication, the interface contains loan borrowing information and repayment information which the user needs to repayment, contains principal of the repayment, and payable interest and penalty, and total amount of the principal of the repayment, and after the user confirms the repayment information, the repayment is completed through a third party payment application and other modes, the background of the offer repayment system automatically carries out financial treatment, and the repayment record of the user is updated.

It should be noted that, the embodiment of the present invention does not limit the type of notification, and may be a short message notification, an application notification, etc.

It should be noted that, the financial institution may screen the financial products of the institution in advance, for example, screen the financial products with higher bad account rate, then configure an offer repayment policy for the screened financial products, and monitor the actual situation of the financial products in real time.

Alternatively, when selecting the loan product, the risk level of the loan product can be selected, specifically, the historical credit information of the target financial product is analyzed to obtain the historical effective credit times and the average credit limit of the target financial product, the product of the historical effective credit times and the corresponding credit times weight is calculated, the effective credit times risk level of the target financial product is determined according to the product result, the product of the average credit limit and the corresponding credit limit weight is calculated, the credit limit risk level of the target financial product is determined according to the product result, the risk level of each financial product is calculated by summing and averaging the effective credit times risk level and the credit limit risk level, the risk level of each financial product is calculated, and the financial product with the risk level higher than the threshold value is screened out, so that the offer policy is configured.

Optionally, before receiving the information to be paid, the method further includes: real-time monitoring is carried out on loan products configured with an offer repayment strategy, and a monitoring result is obtained; and sending reminding information to the service client under the condition that the monitoring result shows that the overdue repayment exists in the corresponding user of the user terminal, and requesting a repayment willingness from the service client.

It should be noted that, taking the selected financial products as monitoring objects, real-time monitoring is performed on the financial products, and the monitoring information includes: the method comprises the steps of effectively granting credit to a financial product, timely paying the financial product, overdue unrepriced of the financial product and the like, screening out overdue unrepriced users when the overdue unrepriced condition exists in the financial product, generating overdue blacklists corresponding to the financial product according to screening results, taking users recorded in the overdue blacklists as pre-offer objects, collecting information registered by each overdue user in a financial institution, informing a client of current overdue details in an information or telephone mode, soliciting a repayment willingness of the client, generating an offer repayment notice based on the information of the user for the promised repayment user, and sending the notice to a user side where the user is located, wherein the types of the user side include but are not limited to: mobile phone, iPad, PC.

Step S101, receiving information to be paid, wherein the information to be paid is sent by a service client based on the payment willingness of a user.

It should be noted that, after the service client requests a repayment willingness from a user corresponding to the user end, the service client may obtain product information, loan receipt information and other information of a financial product which is overdue and not repayment of the user based on the user identifier, and generate information to be repayment, and send the information to be repayment to the offer repayment system, where the information to be repayment includes but is not limited to: user name, user identification, user contact, loan information, and amount to be paid.

Optionally, after receiving the payment information, the method further includes: constructing an H5 repayment interface according to the information to be repayment, wherein the H5 repayment interface at least comprises: the system comprises a user basic information module, a history repayment recording module, a repayment mode selection module, an immediate repayment button and a repayment amount module, wherein the repayment amount module is used for displaying repayment amount, and the repayment amount comprises: principal, interest, penalty; a repayment link is created for the H5 repayment interface.

The method is characterized in that the offer repayment notice provides a repayment inlet for the user through carrying a repayment link, wherein the repayment link is generated based on a repayment H5 interface, and the repayment H5 interface intuitively displays information to be repayment of the financial product under the name of the user through a visual interface. After receiving the information to be paid of the user, an H5 payment interface can be automatically constructed according to the information to be paid, a pre-established H5 template can be selected in the construction process of the H5 payment interface to directly embed the information to be paid into each module of the template, the H5 interface can be customized, the information to be paid is input into each module, and the H5 payment interface comprises but is not limited to the following modules: the system comprises a user basic information module, a history repayment recording module, a repayment amount module, a repayment mode selection module and an H5 interface, wherein the repayment amount module displays the amount required to be repayed by the user, the repayment amount is accumulated by principal, interest and penalty, the repayment mode selection module is used for selecting repayment modes according to actual demands, such as bank card repayment, third party payment application repayment and the like, the H5 interface is also provided with an immediate repayment button, the user can click the immediate repayment button after the information is determined to be correct, the user can jump to the corresponding payment interface to pay, after the H5 repayment interface special for the target user is generated, a link is created for the interface, so that a repayment link is obtained, and the repayment link is input into an offer repayment notice.

Optionally, after constructing the H5 payment interface according to the information to be paid, the method further includes: and adding a third party payment application interface into the payment mode selection module, wherein after the user side selects the third party payment application in the payment mode selection module, clicking an immediate payment button jumps to the third party payment application interface.

After the H5 payment interface is created, a third party application payment interface, such as a WeChat payment application, a Payment device payment application, a financial institution APP, etc., needs to be added to the payment mode selection module, and the user side jumps to the corresponding payment interface by clicking the immediate payment button.

Optionally, after creating the repayment link for the H5 repayment interface, the method further includes: and configuring an identity verification strategy for the repayment link, wherein the identity verification strategy is used for verifying whether a corresponding user of the user terminal is a repayment user, and allowing the user terminal to open the repayment link under the condition that verification is passed.

In order to avoid the situation of wrong repayment of the user caused by wrong information, the embodiment of the invention also needs to configure an identity verification strategy for the established repayment link, and after clicking the repayment link, the user needs to open an H5 repayment interface corresponding to the repayment link through identity verification.

Step S102, generating an offer repayment notice based on the information to be repayment, and sending the offer repayment notice to the user side, wherein the offer repayment notice contains repayment links.

After receiving the information to be paid sent by the service client, the method needs to automatically generate an offer payment notice according to the information to be paid, wherein the notice carries a pre-created payment link, then sends the offer payment notice to the user, and the user pays the money on the user through the payment link, so that the payment operation can be completed without leaving the user, the payment efficiency is improved, and the payment willingness of the user is improved.

Alternatively, after receiving the offer payment notification, the user clicks the payment link and needs to perform authentication first, the user inputs an authentication password based on submitted identity information, the system matches the authentication password input by the user with the registered identity information of the user to obtain a matching result, an H5 payment interface is displayed to the user terminal when the matching result indicates that the authentication password is correct, an error reason is returned to the user terminal when the matching result indicates that the authentication is wrong, the authentication times are prompted, and failure processing is performed on the payment link when the times of authentication operation performed by the user exceeds a preset time threshold.

Alternatively, when authentication is performed, firstly, the identity information submitted by the user terminal during registration is obtained, the preliminary authentication result of the user for preliminary authentication is determined according to the identity information, the character combination authentication information is selected and displayed based on the preliminary authentication result, the authentication operation of the user terminal is received, the characters clicked by the user are sequentially arranged, then the characters are compared with the character combination authentication information to obtain a comparison result, and the H5 repayment interface is displayed to the user terminal under the condition that the comparison result indicates that the user authentication passes.

Optionally, the offer payment notification includes at least: the name of the repayment user, the contact way of the repayment user, the repayment date of the offer, the validity of the repayment notice of the offer, the repayment link and the payment way.

It should be noted that, in the embodiment of the present invention, an offer payment notification may be generated based on a historical payment notification template, in the process of generating the notification, information to be paid is automatically filled into the offer payment notification, and in the embodiment of the present invention, an offer payment notification rule may be added in a blank interface through a newly added payment invitation button, and user information may be edited in a rule frame, for example: the offer payoff notification regulations may include: whether self, loan borrowing, inviter, offer repayment date, offer repayment time, offer notification status, repayment link, payment mode, etc.

After the user side finishes the repayment operation through the repayment link, the system receives the repayment operation of the user, automatically performs loan accounting processing, updates the repayment record of the user, and deletes the user from the overdue blacklist.

The following describes in detail another embodiment.

Example two

In accordance with an embodiment of the present invention, there is provided an embodiment of another method of offer repayment of a financial product, it being noted that the steps illustrated in the flowchart of the figures may be performed in a computer system, such as a set of computer executable instructions, and, although a logical sequence is illustrated in the flowchart, in some cases, the steps illustrated or described may be performed in a different order than that illustrated herein.

FIG. 2 is a flow chart of another alternative method of offer repayment of a financial product, as shown in FIG. 2, including the steps of:

step S201, receiving information to be paid, where the information to be paid is sent by the service client based on a payment willingness of the user, and the information to be paid at least includes: user name, user identity, user contact information, loan information and money to be paid;

Step S202, generating an offer repayment short message based on information to be repayment, and sending the offer repayment short message to a user side, wherein the offer repayment short message comprises repayment links;

step S203, receiving a repayment operation of the user side, and updating a repayment record of a corresponding user of the user side based on the repayment operation.

Through the steps, the information to be paid is received firstly, wherein the information to be paid is sent by the service client side based on the payment willingness of the user side; then generating an offer repayment short message based on the information to be repayment, and sending the offer repayment short message to the user; and finally, receiving repayment operation of the user side, and updating repayment records of corresponding users of the user side based on the repayment operation.

In this embodiment, after soliciting a payment willingness of a user, the service client sends information to be paid related to a user corresponding to the user, based on the information to be paid, an offer payment short message is automatically generated, the offer payment short message includes a payment link, after the offer payment short message is sent to the user, the user can directly pay for the overdue product through the payment link, after receiving the payment operation of the user, the payment record corresponding to the user is automatically updated, the user is invited to pay by the mode of the offer payment short message, the payment process is simplified, the user does not need off-line payment, the payment experience of the user can be improved, the payment willingness of the user is enhanced, the payment efficiency is improved, and further the technical problems that in the related technology, the payment process is complicated and the processing efficiency is low are solved by the mode of the service personnel urging and paying off-line for the overdue financial product.

Step S201, receiving information to be paid, wherein the information to be paid is sent by a service client based on the payment willingness of a user.

It should be noted that, the implementation subject of the embodiment of the invention is an offer repayment system, in the scene of an induction, a business person communicates with a user, after the user commits to repay, a short message containing loan repayment information and repayment link is generated through the offer repayment system, the short message is sent to the user according to a mobile phone number reserved by the user, the user clicks the repayment link in the short message after receiving the short message, an H5 interface can be opened after authentication, the interface contains loan borrowing information and repayment information which the user needs to repay, and contains principal, principal and total amount of principal, the user clicks a repayment button after confirming the repayment information, and repayment can be completed through a third party payment application mode, and the background of the offer repayment system automatically carries out the financial processing of the loan, and updates the user's record.

It should be noted that, before receiving the information to be paid, the financial institution will screen the financial products of the institution in advance, for example, screen the financial products with higher bad account rate, configure the offer payment policy for the screened financial products, and monitor the actual situation of the financial products in real time.

Alternatively, when selecting the loan product, the risk level of the loan product can be selected, specifically, the historical credit information of the target financial product is analyzed to obtain the historical effective credit times and the average credit limit of the target financial product, the product of the historical effective credit times and the corresponding credit times weight is calculated, the effective credit times risk level of the target financial product is determined according to the product result, the product of the average credit limit and the corresponding credit limit weight is calculated, the credit limit risk level of the target financial product is determined according to the product result, the risk level of each financial product is calculated by summing the effective credit times risk level and the credit limit risk level and taking an average value, the risk level of each financial product is calculated, the financial product with the risk level higher than the level threshold is screened out, and the short message offer is configured.

It should be noted that, taking the selected financial products as monitoring objects, real-time monitoring is performed on the financial products, and the monitoring information includes: the method comprises the steps of effectively granting the number of financial products, timely paying the number of the financial products, overdue unreliability of the financial products and the like, screening out overdue unreliability users when the overdue unreliability exists in the financial products, generating overdue blacklists corresponding to the financial products according to screening results, taking users recorded in the blacklists as pre-offer objects, collecting information registered by each overdue user in a financial institution, informing the clients of the current overdue details in an information or telephone mode, soliciting repayment willingness of the clients, generating offer repayment short messages for the promised repayment users based on the information of the users, and sending the short messages to the user side where the users are located, wherein the types of the user side include but are not limited to: mobile phone, iPad, PC.

Step S202, an offer repayment short message is generated based on the information to be repayment, and the offer repayment short message is sent to a user side, wherein the offer repayment short message comprises repayment links.

The method is characterized in that the offer repayment short message provides a repayment inlet for a user through carrying a repayment link, wherein the repayment link is generated based on a repayment H5 interface, and the repayment H5 interface intuitively displays information to be repayment of the financial product under the name of the user through a visual interface. After receiving the information to be paid of the user, an H5 payment interface can be automatically constructed according to the information to be paid, a pre-established H5 template can be selected in the construction process of the H5 payment interface to directly embed the information to be paid into each module of the template, the H5 interface can be customized, the information to be paid is input into each module, and the H5 payment interface comprises but is not limited to the following modules: the system comprises a user basic information module, a history repayment recording module, a repayment amount module, a repayment mode selection module and an H5 interface, wherein the repayment amount module displays the amount required to be repayed by the user, the repayment amount is accumulated by principal, interest and penalty information, the repayment mode selection module is used for selecting repayment modes according to actual demands, such as bank card repayment, third party payment application repayment and the like, the H5 interface is also provided with an immediate repayment button, the user can click the immediate repayment button after determining that the information is correct, the user can jump to the corresponding payment interface to pay, after the H5 repayment interface special for the target user is generated, a link is created for the interface, so that a repayment link is obtained, and the repayment link is input into an offer repayment short message.

After receiving the information to be paid sent by the service client, the method needs to automatically generate an offer payment short message according to the information to be paid, the short message carries a pre-created payment link, then the offer payment short message is sent to the user side, and the user pays through the payment link on the user side, so that the payment operation can be completed without going out of the home, the payment efficiency is improved, and the payment willingness of the user is improved.

It should be noted that, in the embodiment of the present invention, an offer payment short message may be generated based on a historical payment short message template, in the process of generating the short message, information to be paid is automatically filled into the offer payment short message, and in the embodiment of the present invention, an offer payment short message rule may be added in a blank interface through a newly added payment invitation button, and user information is edited in a rule frame, for example: the offer repayment short message regulations may include: whether self, loan borrowing, inviter, offer repayment date, offer repayment time, offer short message status, repayment link, payment mode and the like.

The following detailed description is directed to alternative embodiments.

Fig. 3 is a schematic diagram of an alternative short message offer repayment process of a financial product according to an embodiment of the present invention, as shown in fig. 3, in the loan overdue catalytic receipt scene, a repayment inlet is provided for a user by a short message offer repayment manner, so that the user can complete repayment at the user end without leaving the user, and the specific repayment process includes:

step one, business personnel communicate the payment to be paid with the user, and after the user commits to pay, the step two is executed;

step two, generating an offer repayment short message;

step three, sending the offer repayment short message to a user terminal;

step four, the user clicks the repayment link and opens an H5 repayment interface;

after receiving the short message, the user clicks a repayment link in the short message, and after authentication, an H5 interface can be opened, wherein the interface contains loan borrowing information and repayment information which need repayment, and the interface contains principal, interest and penalty and total amount of repayment. The short message content is verified by 6 bits after the borrower identification card number, the subsequent repayment information is displayed after verification is passed, the verification is not passed, the verification is allowed for 3 times at most, and the short message link is in failure processing after 3 times.

Step five, identity verification is carried out;

step six, after passing the identity verification, selecting a payment mode, and finishing repayment through third party payment;

after confirming the repayment information, the customer clicks an immediate repayment button, and the system can finish repayment through payment of a payment bank and the like.

Step seven, updating a user repayment record;

and step eight, automatically processing the loan accounts by the background, and finishing repayment of the user.

Through the embodiment, the repayment process of the user is simplified, the repayment willingness of the user is enhanced, and the collection efficiency is improved.

The following describes in detail another embodiment.

Example III

The offer payment apparatus for a financial product provided in this embodiment includes a plurality of implementation units, each of which corresponds to each implementation step in the first embodiment.

FIG. 4 is a schematic diagram of an alternative offer payment device for a financial product, according to an embodiment of the invention, as shown in FIG. 4, comprising: a receiving unit 41, a generating unit 42, an updating unit 43, wherein,

the receiving unit 41 is configured to receive information to be paid, where the information to be paid is sent by the service client based on a payment willingness of the user, and the information to be paid at least includes: user name, user identity, user contact information, loan information and money to be paid;

A generating unit 42, configured to generate an offer repayment notification based on the information to be repayment, and send the offer repayment notification to the user side, where the offer repayment notification includes a repayment link;

and the updating unit 43 is configured to receive a payment operation of the user side, and update a payment record of a corresponding user of the user side based on the payment operation.

The offer repayment device receives information to be repayment through the receiving unit 41, where the information to be repayment is sent by the service client based on a repayment wish of the user, and the information to be repayment at least includes: user name, user identity, user contact information, loan information and money to be paid; generating an offer repayment notice based on the information to be repayment through the generating unit 42, and sending the offer repayment notice to the user side, wherein the offer repayment notice comprises a repayment link; the updating unit 43 is configured to receive a payment operation of the user side, and update a payment record of a corresponding user of the user side based on the payment operation.

In this embodiment, after soliciting the payment willingness of the user, the service client sends the information to be paid related to the user corresponding to the user end, automatically generates the offer payment notice based on the information to be paid, the offer payment notice includes a payment link, after sending the offer payment notice to the user end, the user end can directly pay the overdue product through the payment link, after receiving the payment operation of the user end, the user end will automatically update the payment record corresponding to the user, and invite the user to pay by the way of the offer payment notice, thereby simplifying the payment process, the user does not need off-line payment, improving the payment experience sense of the user, enhancing the payment willingness of the user, and further solving the technical problems of complicated payment process and low processing efficiency of the overdue financial product by the way of the service personnel's promotion and off-line payment in the related technology.

Optionally, the offer payment device of the financial product further comprises: the first configuration module is used for selecting loan products and configuring an offer repayment strategy for the selected loan products.

Optionally, the offer payment device of the financial product further comprises: the first monitoring module is used for monitoring loan products configured with an offer repayment strategy in real time to obtain monitoring results; and the first sending module is used for sending reminding information to the service client under the condition that the monitoring result shows that the user side has overdue repayment corresponding to the user, and the service client solicits repayment willingness from the user side.

Optionally, the offer payment device of the financial product further comprises: the first construction module is used for constructing an H5 repayment interface according to the information to be repayment, wherein the H5 repayment interface at least comprises: the system comprises a user basic information module, a history repayment recording module, a repayment mode selection module, an immediate repayment button and a repayment amount module, wherein the repayment amount module is used for displaying repayment amount, and the repayment amount comprises: principal, interest, penalty; the first creation module is used for creating a repayment link for the H5 repayment interface.

Optionally, the offer payment device of the financial product further comprises: the first adding module is used for adding the third party payment application interface in the repayment mode selection module, wherein after the user side selects the third party payment application in the repayment mode selection module, clicking the immediate repayment button jumps to the third party payment application interface.

Optionally, the offer payment device of the financial product further comprises: the second configuration module is used for configuring an identity verification strategy for the repayment link, wherein the identity verification strategy is used for verifying whether a user corresponding to the user terminal is the repayment user or not, and the user terminal is allowed to open the repayment link under the condition that verification is passed.

The offer payment apparatus for financial products may further include a processor and a memory, wherein the receiving unit 41, the generating unit 42, the updating unit 43, etc. are stored in the memory as program units, and the processor executes the program units stored in the memory to realize corresponding functions.

The processor includes a kernel, and the kernel fetches a corresponding program unit from the memory. The kernel may set one or more parameters to send an offer payment notification to the user by adjusting the kernel parameters.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM), which includes at least one memory chip.

According to another aspect of the embodiments of the present application, there is also provided a computer readable storage medium, including a stored computer program, wherein the computer program when executed controls a device in which the computer readable storage medium is located to execute the offer payment method of any one of the above financial products.

According to another aspect of the embodiments of the present application, there is also provided an electronic device including one or more processors and a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the offer payment method of any of the financial products described above.

The application also provides a computer program product adapted to perform, when executed on a data processing device, a program initialized with the method steps of: receiving information to be paid, wherein the information to be paid is sent by a service client based on the payment willingness of a user, and the information to be paid at least comprises: user name, user identity, user contact information, loan information and money to be paid; generating an offer repayment notice based on the information to be repayment, and sending the offer repayment notice to a user, wherein the offer repayment notice comprises a repayment link; and receiving repayment operation of the user side, and updating repayment records of corresponding users of the user side based on the repayment operation.

Fig. 5 is a block diagram of a hardware structure of an electronic device (or mobile device) of an offer repayment method for a financial product according to an embodiment of the present invention. As shown in fig. 5, the electronic device may include one or more (shown in fig. 5 as 502a, 502b, … …,502 n) processors 502 (the processors 502 may include, but are not limited to, a microprocessor MCU, a programmable logic device FPGA, etc. processing means), a memory 504 for storing data. In addition, the method may further include: a display, an input/output interface (I/O interface), a Universal Serial Bus (USB) port (which may be included as one of the ports of the I/O interface), a network interface, a keyboard, a power supply, and/or a camera. It will be appreciated by those of ordinary skill in the art that the configuration shown in fig. 5 is merely illustrative and is not intended to limit the configuration of the electronic device described above. For example, the electronic device may also include more or fewer components than shown in FIG. 5, or have a different configuration than shown in FIG. 5.

The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.

In the foregoing embodiments of the present invention, the descriptions of the embodiments are emphasized, and for a portion of this disclosure that is not described in detail in this embodiment, reference is made to the related descriptions of other embodiments.

In the several embodiments provided in the present application, it should be understood that the disclosed technology may be implemented in other manners. The above-described embodiments of the apparatus are merely exemplary, and the division of the units, for example, may be a logic function division, and may be implemented in another manner, for example, a plurality of units or components may be combined or may be integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be through some interfaces, units or modules, or may be in electrical or other forms.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

In addition, each functional unit in the embodiments of the present application may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.

The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied essentially or in part or all of the technical solution or in part in the form of a software product stored in a storage medium, including instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a removable hard disk, a magnetic disk, or an optical disk, or other various media capable of storing program codes.

The foregoing is merely a preferred embodiment of the present invention and it should be noted that modifications and adaptations to those skilled in the art may be made without departing from the principles of the present invention, which are intended to be comprehended within the scope of the present invention.

Claims

1. A method of offer repayment of a financial product, comprising:

receiving information to be paid, wherein the information to be paid is sent by a service client based on the payment willingness of a user, and the information to be paid at least comprises: user name, user identity, user contact information, loan information and money to be paid;

generating an offer repayment notice based on the information to be repayment, and sending the offer repayment notice to the user side, wherein the offer repayment notice comprises a repayment link;

and receiving repayment operation of the user side, and updating repayment records of corresponding users of the user side based on the repayment operation.

2. The offer payment method of claim 1, further comprising, prior to receiving the information to be paid:

selecting a loan product, and configuring an offer repayment strategy for the selected loan product.

3. The offer payment method of claim 2, further comprising, prior to receiving the information to be paid:

real-time monitoring is carried out on the loan products configured with the offer repayment strategy, and a monitoring result is obtained;

and sending reminding information to the service client under the condition that the monitoring result shows that the overdue unremoved money exists in the corresponding user of the user side, and requesting the repayment willingness from the user side by the service client.

4. The offer payment method of claim 1, further comprising, after receiving the information to be paid:

constructing an H5 repayment interface according to the information to be repayment, wherein the H5 repayment interface at least comprises: the payment system comprises a user basic information module, a history payment recording module, a payment mode selection module, an immediate payment button and a payment amount waiting module, wherein the payment amount waiting module is used for displaying the payment amount waiting, and the payment amount waiting comprises: principal, interest, penalty;

and creating the repayment link for the H5 repayment interface.

5. The offer payment method of claim 4, further comprising, after constructing an H5 payment interface from the information to be paid:

and adding a third party payment application interface into the repayment mode selection module, wherein after the user terminal selects the third party payment application in the repayment mode selection module, clicking the immediate repayment button jumps to the third party payment application interface.

6. The offer payment method of claim 4, further comprising, after creating the payment link for the H5 payment interface:

And configuring an identity verification strategy for the repayment link, wherein the identity verification strategy is used for verifying whether the user corresponding to the user terminal is a repayment user, and allowing the user terminal to open the repayment link under the condition that verification is passed.

7. The offer payment method of claim 1, wherein the offer payment notification comprises at least: the name of the repayment user, the contact information of the repayment user, the date of the repayment of the offer, the validity of the repayment notice of the offer, the repayment link and the payment method.

8. A method of offer repayment of a financial product, comprising:

generating an offer repayment short message based on the information to be repayment, and sending the offer repayment short message to the user side, wherein the offer repayment short message comprises a repayment link;

9. An offer payment apparatus for a financial product, comprising:

the receiving unit is used for receiving information to be paid, wherein the information to be paid is sent by the service client side based on the payment willingness of the user side, and the information to be paid at least comprises: user name, user identity, user contact information, loan information and money to be paid;

the generation unit is used for generating an offer repayment notice based on the information to be repayment and sending the offer repayment notice to the user side, wherein the offer repayment notice comprises a repayment link;

and the updating unit is used for receiving the repayment operation of the user side and updating the repayment record of the user corresponding to the user side based on the repayment operation.

10. A computer readable storage medium, characterized in that the computer readable storage medium comprises a stored computer program, wherein the computer program when run controls a device in which the computer readable storage medium is located to perform the offer payment method of the financial product according to any one of claims 1 to 8.

11. An electronic device comprising one or more processors and memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the offer payment method of a financial product of any of claims 1 to 8.