CN117172909A

CN117172909A - Reminding file processing method and device, storage medium and electronic equipment

Info

Publication number: CN117172909A
Application number: CN202311152190.4A
Authority: CN
Inventors: 吴永成
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2023-09-07
Filing date: 2023-09-07
Publication date: 2023-12-05

Abstract

The application discloses a reminding file processing method and device, a storage medium and electronic equipment, and relates to the technical field of data processing. The method comprises the following steps: determining a repayment date of the target object for the next prepayment according to the first contract information acquired from the target contract; determining the repayment principal amount and repayment interest amount of the target object for the next-period prepayment according to the second contract information acquired from the target contract; generating a reminding file for reminding the target object of the next pre-repayment according to the repayment date, the repayment principal amount and the repayment interest amount, and executing a verification operation on the reminding file; and when the verification operation result of the reminding file is that the reminding file passes, sending the reminding file to the target object so as to ensure that the reminding file for reminding the repayment of the target object has accuracy and applicability.

Description

Reminding file processing method and device, storage medium and electronic equipment

Technical Field

The present application relates to the field of data processing technologies, and in particular, to a method and apparatus for processing a reminder file, a storage medium, and an electronic device.

Background

With the rapid development of economy and society, more and more enterprises and individuals apply for credit services. A credit service is a form of service whereby a financial institution pays monetary funds at a rate and corresponding repayment conditions. Typically, a corresponding repayment date is set for a credit service, and when the repayment date exceeds the repayment date, the repayment is overdue, and the overdue repayment may cause a credit investigation problem for the user. Therefore, it is becoming important to send a repayment alert to a borrowing corporation or person in advance.

However, in a practical scenario, the repayment information of the credit service is susceptible to a plurality of factors, and may change over time. For example, changes in the repayment capabilities of an enterprise or individual may result in changes in the manner in which the repayment is made; for another example, the financial institution may implement the amount of interest generated by dispensing a portion of the principal of the loan for a certain period of time; for another example, when the payment mode signed in the loan contract is irregular payment, since the payment can be performed multiple times within the contract amount range, the interest rate (also called the execution interest rate) used by each loan can determine the reference interest rate referenced when the payment amount is calculated according to the payment re-pricing mode, and therefore, when calculating the repayment interest amount, it is necessary to independently predict the interest amount of each loan amount in the payment period and accumulate the interest amounts generated by multiple payments to obtain the final calculated repayment interest amount.

At present, a common repayment reminding mode for credit business is to remind through a short message or a telephone, and aims at the diversity of information change, and the reminding mode has the problems of inaccurate repayment information, missing repayment information, inapplicability and the like.

Disclosure of Invention

The application provides a reminding file processing method, a device, a storage medium and electronic equipment, which are used for guaranteeing the accuracy and applicability of a reminding file for reminding a target object of repayment.

In a first aspect, a method for processing a reminder file is provided, including:

determining a repayment date of the target object for the next prepayment according to the first contract information acquired from the target contract;

according to the second contract information obtained from the target contract, determining the repayment principal amount and the repayment interest amount of the target object for the next-period pre-repayment;

generating a reminding file for reminding the target object of the next pre-repayment according to the repayment date, the repayment principal amount and the repayment interest amount, and executing a verification operation on the reminding file;

and when the verification operation result of the reminding file is that the reminding file passes, sending the reminding file to the target object.

Optionally, the first appointment information at least comprises a first paying date, a repayment mode and a loan expiration date;

the determining the repayment date of the target object for the next prepayment according to the first contract information acquired from the target contract comprises the following steps:

when the repayment mode is one-time repayment, taking the loan expiration date as the repayment date; or when the repayment mode is according to the planned repayment and the planned repayment, determining the repayment date according to the first repayment date, the repayment planned date or the repayment planned date agreed with the target object; or when the repayment mode is to pay according to the plan and pay due, determining the repayment date according to the first repayment date and the repayment plan date; or when the repayment mode is fixed-period repayment and planned repayment, determining the repayment date according to the first repayment date, the loan repayment mode and the loan repayment period which are agreed with the target object.

Optionally, the second appointment information at least comprises a loan amount, a loan execution rate and the repayment mode; the determining the repayment principal amount and the repayment interest amount of the target object for the next pre-repayment according to the second contract information acquired from the target contract comprises the following steps:

When the repayment mode is one-time repayment, taking the loan amount as the repayment principal amount, and determining the repayment interest amount according to the loan execution rate and the loan amount; or when the repayment mode is repayment according to a plan and repayment according to the loan amount, a repayment plan or a repayment plan appointed by the target object, and determining the repayment interest amount according to the loan execution rate, the loan amount, and the repayment plan or the repayment plan; or when the repayment mode is to pay the information according to the plan and pay the cost due, determining the repayment principal amount according to the loan expiration date and the loan amount, and determining the repayment interest amount according to the loan execution rate, the loan amount and the repayment plan; or when the repayment mode is fixed-period payment and the repayment is carried out according to the plan, determining the repayment principal amount according to the loan amount and the repayment plan, and determining the repayment interest amount according to the loan execution rate, the loan amount, the loan settlement mode and the loan settlement period which are agreed with the target object.

Optionally, the executing a verification operation on the alert file includes:

according to the user information of the target object, executing verification operation on the reminding file; or according to the contract information of the target contract, executing verification operation on the reminding file; or executing verification operation on the reminding file according to the first contract information and the second contract information.

Optionally, the method further comprises:

when the verification operation result of the reminding file is that the reminding file does not pass, determining abnormal information in the reminding file;

and correcting the abnormal information according to the target contract to obtain a corrected reminding file, and sending the corrected reminding file to the target object.

Optionally, the method further comprises:

when contract change information is received, updating the repayment date, the repayment principal amount and the repayment interest amount of the target object for repayment in the next period according to the contract change information;

updating the reminding file according to the updated repayment date, repayment principal amount and repayment interest amount to obtain an updated reminding file, and sending the updated reminding file to the target object.

Optionally, the sending the alert file to the target object includes at least one of:

according to the destination address of the target object, sending the reminding file to the target object in a mailing mode;

and sending the reminding file to the target object in an email mode according to the mailbox address of the target object.

In the embodiment of the application, the beneficial effects are as follows:

determining the repayment date of the target object for the next prepayment according to the first contract information acquired from the target contract; according to the second contract information obtained from the target contract, the repayment principal amount and the repayment interest amount of the target object in the next pre-repayment are determined, so that the repayment term, the repayment principal amount and the repayment interest amount of the target object in the next pre-repayment can be calculated independently based on information of different dimensions, the calculation complexity is reduced to a certain extent, and the calculation efficiency is improved.

And then, a reminding file for reminding the target object of the next-period repayment is generated according to the repayment date, the repayment principal amount and the repayment interest amount, so that compared with the existing modes such as a short message or a telephone, the information covered by the reminding file is more applicable and comprehensive, the target object is convenient to reasonably arrange the repayment matters, the overdue repayment or the account amount shortage is avoided, and the risk of forgetting or neglecting the repayment is reduced.

Further, executing a verification operation on the reminding file; when the verification operation result of the reminding file is that the reminding file passes, the reminding file is sent to the target object, so that the accuracy of the reminding file can be improved, the follow-up reminding file can also be used as a basis for repayment records, and the target object can be convenient to check repayment conditions.

In a second aspect, there is provided a reminder file processing apparatus comprising:

the repayment date calculation module is used for determining the repayment date of the next-period prepayment of the target object according to the first contract information acquired from the target contract;

the repayment amount calculation module is used for determining repayment principal amount and repayment interest amount of the target object in the next pre-repayment period according to the second contract information acquired from the target contract;

the verification module is used for generating a reminding file for reminding the next pre-repayment of the target object according to the repayment date, the repayment principal amount and the repayment interest amount, and executing verification operation on the reminding file;

and the sending module is used for sending the reminding file to the target object when the verification operation result of the reminding file is that the reminding file passes.

Optionally, the first appointment information at least comprises a first paying date, a repayment mode and a loan expiration date; the repayment date calculation module is specifically configured to:

Optionally, the second appointment information at least comprises a loan amount, a loan execution rate and the repayment mode; the payment amount calculation module is specifically configured to:

Optionally, the verification module is specifically configured to:

Optionally, the device further comprises a correction module;

the correction module is used for determining abnormal information in the reminding file when the verification operation result of the reminding file is that the verification operation result of the reminding file is not passed;

and correcting the abnormal information according to the target contract to obtain a corrected reminding file, and sending the corrected reminding file to the target object through the sending module.

Optionally, the apparatus further comprises an update module;

the updating module is used for updating the repayment date, the repayment principal amount and the repayment interest amount of the target object in the next repayment period according to the contract change information when the contract change information is received;

updating the reminding file according to the updated repayment date, repayment principal amount and repayment interest amount to obtain an updated reminding file, and sending the updated reminding file to the target object through the sending module.

Optionally, the sending module is specifically configured to at least one of the following:

In a third aspect, there is provided an electronic device comprising:

a memory for storing a computer program; a processor for implementing the method steps of any one of the first aspects when executing a computer program stored on the memory.

In a fourth aspect, there is provided a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the method steps of any of the first aspects.

In a fifth aspect, a computer program product is provided, comprising a computer program which, when executed by a processor, implements the method steps of any of the first aspects.

The technical effects of each of the second to fifth aspects and the technical effects that may be achieved by each aspect are referred to above for the technical effects that may be achieved by each possible aspect of the first aspect or each possible aspect of the first aspect, and the detailed description is not repeated here.

Drawings

FIG. 1 is a flowchart of a method for processing a reminder file according to an embodiment of the present application;

FIG. 2 is a schematic representation of a payment date representation of a different payment method according to an embodiment of the present application;

FIG. 3 is an interface schematic diagram of a reminder file according to an embodiment of the present application;

fig. 4 is a schematic structural diagram of a reminding file processing device according to an embodiment of the present application;

FIG. 5 is a schematic diagram of another reminding file processing device according to an embodiment of the present application;

fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present application.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail with reference to the accompanying drawings. The specific method of operation in the method embodiment may also be applied to the device embodiment or the system embodiment. In the description of the present application, "a plurality of" means "at least two". "and/or", describes an association relationship of an association object, and indicates that there may be three relationships, for example, a and/or B, and may indicate: a exists alone, A and B exist together, and B exists alone. A is connected with B, and can be represented as follows: both cases of direct connection of A and B and connection of A and B through C. In addition, in the description of the present application, the words "first," "second," and the like are used merely for distinguishing between the descriptions and not be construed as indicating or implying a relative importance or order.

In the technical scheme of the application, various information is acquired, stored, used, processed and the like, and the requirements of national relevant laws and regulations are met.

In order to better understand the embodiments of the present application, technical terms related to the embodiments of the present application will be first described below.

(1) The repayment of the loan refers to readjusting the loan interest rate of the floating interest rate loan, and the date of readjusting the loan interest rate is the "repayment date".

(2) The stop start-stop date refers to the implementation of interest-free strategies from the set start date to the set end date.

(3) The loan interest period refers to the date on which the financial institution loans interest, and refers to the time node at which the financial institution determines when to collect the interest amount in the event that the borrower has not paid the principal amount and interest amount of the loan.

The following description is made for some simple descriptions of application scenarios applicable to the technical solution of the embodiment of the present application, and it should be noted that the application scenarios described below are only used for illustrating the embodiment of the present application, but not limiting. In the specific implementation, the technical scheme provided by the embodiment of the application can be flexibly applied according to actual needs.

In order to further explain the technical solution provided by the embodiments of the present application, the following details are described with reference to the accompanying drawings and the detailed description. Although embodiments of the present application provide the method operational steps shown in the following embodiments or figures, more or fewer operational steps may be included in the method, either on a routine or non-inventive basis. In steps where there is logically no necessary causal relationship, the execution order of the steps is not limited to the execution order provided by the embodiments of the present application. The method may be performed sequentially or and in accordance with the method shown in the embodiments or drawings when the actual process or apparatus is performed.

Fig. 1 is a flowchart of a method for processing a reminder file according to an embodiment of the present application. The process can be executed by a reminding file processing device, and the device can be realized by a software mode, a hardware mode and a combination mode of software and hardware. As shown in fig. 1, the process includes the steps of:

101: and determining the repayment date of the target object for the next prepayment according to the first contract information acquired from the target contract.

Optionally, the first contract information may include a first payment date, a payment method, a loan expiration date, and other related parameters contracted with the target object.

Optionally, the repayment date of the next prepayment of the target object can be determined in a targeted manner according to different repayment modes, which specifically includes the following cases:

case 1: when the payment method is one-time payment (also called due one-time payment), the loan expiration date is taken as the payment date of the next period of the target object. For example, if the expiration date of the loan agreed in the target contract is 2024, 12, 31, then the repayment date of the next pre-repayment is 2024, 12, 31.

Case 2: when the repayment mode is to repay the money according to the plan and repay the information according to the plan, the repayment date to be repayed in the next period is determined according to the first repayment date, the repayment plan date agreed with the target object and the repayment plan date. For example, if the first payment date contracted in the target contract is 2023, 1 month, 1 day, and the contracted payment planned date or the contracted payment planned date are each half a year, then the payment date of the next pre-payment is 2023, 6 months, 1 day.

Case 3: when the payment mode is payment according to the plan and the due payment, determining the payment date of the next period according to the first payment date and the payment plan date. For example, if the first release date contracted in the target contract is 2023, 1 month, 1 day, and the contracted return plan date is once a month, the next pre-release payment date is 2023, 2 months, 1 day.

Case 4: when the repayment mode is fixed-period repayment and the payment is planned, determining the repayment date of the next prepayment according to the first repayment date, the loan repayment mode and the loan repayment period which are agreed with the target object. For example, if the first release date agreed in the target contract is 2023, 1 month and 1 day, the agreed loan interest pattern is periodic interest, and the loan interest period is the first day of each month, the repayment date of the next pre-repayment is 2023, 2 months and 1 day. For another example, if the first release date agreed in the target contract is 2023, 1, and the agreed loan settlement mode is heliostat settlement, and the loan settlement period is 21 days, the repayment date of the next pre-repayment is 2023, 1, 21.

In other embodiments, for case 4 above, the date of the next pre-payment may also be determined based on the date of the first payment and the date of the payment due plan.

Based on the above several cases, fig. 2 schematically illustrates a representation of repayment dates in different repayment manners according to an embodiment of the present application, where the representation is shown in fig. 2:

the first repayment date is: 2023, 1 month 1 day, loan expiration date is: 2024, 12, 31.

A, characterization: the repayment mode is one-time repayment, and the corresponding repayment date is 2024, 12 and 31; and B, characterization: the repayment mode is to repay the payment according to the plan and repay the payment according to the plan, and the calculated repayment date is 2023, 1 month and 1 day according to 2023, 1 month and 1 day of the repayment plan date for half a year; c, characterization: the repayment mode is fixed-period payment, the repayment is planned, the period payment is carried out according to the 1 st day of 2023, the loan payment mode is periodic payment, the loan period is the first day of month, and the calculated repayment date is 2023, 2 nd and 1 day; and D, characterization: the repayment mode is to return to the payment according to the plan, and the payment is due, and according to the 1 st 2023 and the one half year of the repayment plan date, the calculated repayment date is the 1 st 2023, 6 th and 1 st; e, characterization: the repayment mode is to repay the cost according to the plan, repay the information according to the plan, and the calculated repayment date is 2023, 1 month and 1 day according to the 1 month and 1 day of 2023 and the repayment plan date for one half year; f, characterization: fixed-period payment, planned payment, and day 2023, 1 month and 21 days according to the payment method, day 2023, 1 month and 1 day, the loan payment method, day 21, and the calculated payment date.

It should be noted that, the target object may refer to a borrowing enterprise, a borrowing individual, or other borrowing objects meeting requirements, which is not limited in this embodiment of the present application.

The foregoing payment manner is only an example, and in an actual scenario, other payment manners (for example, equal cost, equal principal, etc.) are also possible, and for various different payment manners, relevant parameters affecting the date can be acquired pertinently, and a specific payment period is determined, so that the calculation complexity is reduced, and the calculated payment period is more accurate.

102: and determining the repayment principal amount and the repayment interest amount of the target object for the next pre-repayment according to the second contract information acquired from the target contract.

Optionally, the second contract information may include a loan amount, a loan execution rate, a repayment manner, and other related parameters contracted with the target object.

Optionally, the repayment interest amount=loan principal amount×annual interest rate×interest day, and determining the repayment principal amount and repayment interest amount of the target object for the next pre-repayment may include the following ways:

mode 1: when the repayment mode is one-time repayment (also called due one-time repayment), the loan amount is taken as repayment principal amount, and repayment interest amount is determined according to the loan execution rate and the loan amount. For example, if the loan amount is 1000000 yuan and the loan execution rate is 3.65, the repayment principal amount of the next pre-repayment is 1000000 yuan, the repayment interest amount=1000000×3.65/365% ×365=73000 yuan.

Mode 2: when the repayment mode is to repay the payment according to the plan and repay the payment according to the loan amount, the repayment plan or the repayment plan appointed by the target object, and the repayment interest amount is determined according to the loan execution rate, the loan amount, and the repayment plan or the repayment plan. For example, if the loan amount is 1000000 yuan, the loan execution rate is 3.65, and the repayment plan agreed with the target object is half of the half-year repayment amount, the repayment principal amount of the next pre-repayment is 50000 yuan, and the repayment interest amount of the next pre-repayment is 0 yuan; for another example, if the loan amount is 1000000 yuan, the loan execution rate is 3.65, the repayment plan agreed with the target object is the interest amount of the half-year repayment amount, the repayment principal amount of the next pre-repayment is 0 yuan, and the repayment interest amount of the next pre-repayment=100000×3.65/365% ×151= 151000 yuan.

Mode 3: when the repayment mode is to pay the information according to the plan and pay the cost due, the repayment principal amount is determined according to the loan expiration date and the loan amount, and the repayment interest amount is determined according to the loan execution rate, the loan amount and the repayment plan. For example, if the loan amount is 1000000 yuan, the loan execution rate is 3.65, the loan expiration date is 2024, 12 months and 31 days, the interest amount contracted with the target object is the half-year loan amount, if the next repayment date is the loan expiration date, the repayment principal amount is 1000000 yuan, and the repayment interest amount is 0 yuan; and under the condition that the next repayment date is 2024, 6 and 1, the repayment principal amount is 0 yuan, and the repayment interest amount is 151000 yuan.

Mode 4: when the repayment mode is fixed-period payment and the repayment is carried out according to the plan, the repayment principal amount is determined according to the loan amount and the repayment plan, and the repayment interest amount is determined according to the loan execution rate, the loan amount, the loan interest mode and the loan interest period which are agreed with the target object. For example, if the loan amount is 1000000 yuan, the loan execution rate is 3.65, the repayment plan agreed with the target object is half of the half-year repayment amount, the agreed loan interest is periodic interest, the loan interest period is the first day of each month, the repayment principal amount for the next pre-repayment is 50000 yuan, and when the repayment date is 2023, 2, 1, the repayment interest amount=1000000×3.65/365% ×31=31000 yuan.

The foregoing payment manner is merely an example, and in an actual scenario, there may be other payment manners (for example, equal principal, etc.), and for various different payment manners, relevant parameters affecting the amount may be acquired pertinently, and specific repayment principal amount and repayment interest amount may be determined respectively, so that the calculation complexity is reduced, and the calculated two amounts are more accurate.

103: and generating a reminding file for reminding the next-period pre-repayment of the target object according to the repayment date, the repayment principal amount and the repayment interest amount, and executing verification operation on the reminding file.

Optionally, the reminding file may be displayed in any form such as a notice, a form, etc., where the reminding file includes a repayment date, a repayment principal amount, a repayment interest amount of the next prepayment, and may further include: user information of the target object, contract information of the target contract, and other information. Fig. 3 schematically shows an interface of a reminding file provided by the embodiment of the application, where the reminding file 300 includes information of 0001 contract number, 20230131 credit service name, 1010101000a credit account number, AA target object name, 2023 month 1 day, 1 day of first-time payment, 1000000 yuan of loan amount, 3.65 loan execution rate, 2024 month 31 day of 12 month, 1000000 yuan of principal amount, 73000 yuan of interest amount.

It should be noted that the alert file shown in fig. 3 is only an example, and in an actual scenario, the content covered by the alert file may be adaptively adjusted according to the user's requirement, which is not limited herein.

Optionally, performing a verification operation on the alert file may include the following aspects:

Aspect 1: and executing verification operation on the reminding file according to the user information of the target object. For example, it may be checked whether the information such as name, sex, id number, contact information, destination address, etc. of the target object in the alert file is consistent with the information in the target contract (also referred to as credit contract) or other identity files reserved in the financial institution, if so, it indicates that the information in the alert file is accurate, the verification operation result is passed, and the operation is shifted to 104, if not, it indicates that there is abnormal information in the alert file, and the verification operation result is failed.

Aspect 2: and executing verification operation on the reminding file according to the contract information of the target contract. For example, the information such as contract number, credit service name, credit service number, loan account number, and contract effective time in the reminding file can be checked to determine whether the information in the reminding file is consistent with the information in the target contract, if so, the information in the reminding file is accurate, the checking operation result is passed, and the process proceeds to 104, and if not, the abnormal information in the reminding file is determined, and the checking operation result is failed.

Aspect 3: and executing verification operation on the reminding file according to the first contract information and the second contract information. For example, the information such as the loan amount, the loan execution rate, the repayment mode, the first payment date, the loan expiration date, the repayment principal amount, the repayment interest amount in the reminding file can be checked, whether the information is consistent with the information of the target contract or other files reserved in the financial institution or not is judged, if so, the information in the reminding file is accurate, the verification operation result is passed, the process proceeds to 104, if not, the abnormal information in the reminding file is judged, and the verification operation result is failed.

It should be noted that, one or more of the above aspects may be selected to perform the verification operation of the alert file, and the above aspects are only an example, and the alert file may also be verified from other dimensions, which is not limited in this embodiment of the present application.

In some embodiments, when the verification operation result is that the verification operation result is not passed, abnormal information in the reminding file can be determined; and correcting the abnormal information according to the target contract to obtain a corrected reminding file, and then sending the corrected reminding file to the target object, so that abnormal information in the reminding file is avoided, and the reliability and accuracy of the reminding file are further ensured.

In other embodiments, after determining the abnormal information in the reminding file, the abnormal information can be displayed on a user interface, so that the staff is reminded to take certain measures to remedy.

In other embodiments, since the repayment capability of the target object is changed or other factors apply for the contract change information, the generated reminding file needs to be updated in real time, so that the reliability and accuracy of the reminding file can be further ensured, which specifically can be: when contract change information is received, updating the repayment date, the repayment principal amount and the repayment interest amount of the target object for repayment in the next period according to the contract change information; and updating the reminding file according to the updated repayment date, the repayment principal amount and the repayment interest amount to obtain an updated reminding file, and sending the updated reminding file to the target object. For example, assuming that the contract change information is changed to one-time repayment and expiration repayment according to the plan, the repayment date is changed to 2023, 6, 1, the repayment principal amount is changed to 0 yuan, the repayment interest amount is changed to 151000 yuan, the change information is updated to the corresponding position of the reminding file, and the updated reminding file is then sent to the target object.

Through the steps, the generated reminding file is combined with credit contracts and other files to be checked and compared, so that the accuracy of information in the reminding file can be further improved, and the information covered in the reminding file is clearer, applicable and comprehensive.

104: and when the verification operation result of the reminding file is that the reminding file passes, sending the reminding file to the target object.

Optionally, the reminding file can be sent to the target object in a mailing mode according to the destination address of the target object, and the reminding file can be sent to the target object in an email mode according to the mailbox address of the target object, so that the target object can be conveniently referred to, and user experience is met.

In the embodiment of the application, the beneficial effects are as follows:

Based on the same technical conception, the embodiment of the application also provides a reminding file processing device which can realize the flow of the reminding file processing method in the embodiment of the application.

Fig. 4 is a schematic structural diagram of a device for processing a reminder file according to an embodiment of the present application. The device comprises: a repayment date calculation module 401, a repayment amount calculation module 402, a verification module 403 and a sending module 404.

The repayment date calculation module 401 is configured to determine a repayment date of the next pre-payment of the target object according to the first contract information acquired from the target contract.

And a repayment amount calculation module 402, configured to determine a repayment principal amount and a repayment interest amount of the target object for a next pre-repayment according to the second contract information acquired from the target contract.

And the verification module 403 is configured to generate a reminding file for reminding the target object of the next pre-repayment according to the repayment date, the repayment principal amount and the repayment interest amount, and perform a verification operation on the reminding file.

And the sending module 404 is configured to send the alert file to the target object when the verification result of the alert file is that the alert file passes.

Optionally, the first appointment information at least comprises a first paying date, a repayment mode and a loan expiration date; the payback date calculation module 401 is specifically configured to:

Optionally, the second appointment information at least comprises a loan amount, a loan execution rate and the repayment mode; the payoff amount calculation module 402 is specifically configured to:

Optionally, the verification module 403 is specifically configured to:

Optionally, the sending module 404 is specifically configured to at least one of the following:

In some embodiments, the schematic structure of the alert file processing apparatus may further include a modification module and an update module in addition to the modules in fig. 4. Fig. 5 is a schematic structural diagram of another alert file processing apparatus according to an embodiment of the present application. As shown in fig. 5, the structure includes: a repayment date calculation module 401, a repayment amount calculation module 402, a verification module 403, a sending module 404, a correction module 501 and an updating module 502. The description of the payment date calculation module 401, the payment amount calculation module 402, the verification module 403, and the sending module 404 is referred to in fig. 4, and will not be repeated here.

The correction module 501 is configured to determine abnormal information in the alert file when the verification operation result of the alert file is failed; and corrects the abnormal information according to the target contract to obtain a corrected reminding file, and sends the corrected reminding file to the target object through the sending module 404.

The updating module 502 is configured to update a repayment date, a repayment principal amount, and a repayment interest amount of the target object for a next pre-repayment according to the contract change information when the contract change information is received; and updating the reminding file according to the updated repayment date, repayment principal amount and repayment interest amount to obtain an updated reminding file, and sending the updated reminding file to the target object through the sending module 404.

It should be noted that, the above device provided in the embodiment of the present application can implement all the method steps in the embodiment of the method and achieve the same technical effects, and the details of the same parts and beneficial effects as those of the embodiment of the method in the embodiment are not described here.

Based on the same technical conception, the embodiment of the application also provides electronic equipment which can realize the function of the reminding file processing device.

At least one processor 601, and a memory 602 connected to the at least one processor 601, a specific connection medium between the processor 601 and the memory 602 is not limited in the embodiment of the present application, and in fig. 6, the processor 601 and the memory 602 are connected through a bus 600 as an example. Bus 600 is shown in bold lines in fig. 6, and the manner in which the other components are connected is illustrated schematically and not by way of limitation. The bus 600 may be divided into an address bus, a data bus, a control bus, etc., and is represented by only one thick line in fig. 6 for convenience of representation, but does not represent only one bus or one type of bus. Alternatively, the processor 601 may be referred to as a controller, and the names are not limited.

In the embodiment of the present application, the memory 602 stores instructions executable by the at least one processor 601, and the at least one processor 601 may execute a method for processing a reminder file as described above by executing the instructions stored in the memory 602. The processor 601 may implement the functions of the respective modules in the apparatus shown in fig. 4 or 5.

The processor 601 is a control center of the device, and various interfaces and lines can be used to connect various parts of the whole control device, and through running or executing instructions stored in the memory 602 and calling data stored in the memory 602, various functions of the device and processing data can be performed, so that the device can be monitored as a whole.

In one possible design, processor 601 may include one or more processing units, and processor 601 may integrate an application processor and a modem processor, wherein the application processor primarily processes operating systems, user interfaces, application programs, and the like, and the modem processor primarily processes wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 601. In some embodiments, processor 601 and memory 602 may be implemented on the same chip, or they may be implemented separately on separate chips in some embodiments.

The processor 601 may be a general purpose processor such as a Central Processing Unit (CPU), digital signal processor, application specific integrated circuit, field programmable gate array or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, which may implement or perform the methods, steps and logic blocks disclosed in embodiments of the application. The general purpose processor may be a microprocessor or any conventional processor or the like. The steps of a method for processing a reminding file disclosed in connection with the embodiment of the application can be directly embodied as the execution completion of a hardware processor or the execution completion of the combination execution of hardware and software modules in the processor.

The memory 602 is a non-volatile computer readable storage medium that can be used to store non-volatile software programs, non-volatile computer executable programs, and modules. The Memory 602 may include at least one type of storage medium, which may include, for example, flash Memory, hard disk, multimedia card, card Memory, random access Memory (Random Access Memory, RAM), static random access Memory (Static Random Access Memory, SRAM), programmable Read-Only Memory (Programmable Read Only Memory, PROM), read-Only Memory (ROM), charged erasable programmable Read-Only Memory (Electrically Erasable Programmable Read-Only Memory), magnetic Memory, magnetic disk, optical disk, and the like. Memory 602 is any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer, but is not limited to such. The memory 602 in embodiments of the present application may also be circuitry or any other device capable of performing storage functions for storing program instructions and/or data.

By programming the processor 601, codes corresponding to a method for processing a reminder file described in the foregoing embodiment may be cured into a chip, so that the chip can execute a method for processing a reminder file in the embodiment shown in fig. 1 during operation. How to design and program the processor 601 is a well-known technique for those skilled in the art, and will not be described in detail herein.

It should be noted that, the above-mentioned power-on electronic device provided in the embodiment of the present application can implement all the method steps implemented in the above-mentioned method embodiment, and can achieve the same technical effects, and specific details of the same parts and beneficial effects as those of the method embodiment in the present embodiment are not described herein.

The embodiment of the application also provides a computer readable storage medium, wherein the computer readable storage medium stores computer executable instructions, and the computer executable instructions are used for enabling a computer to execute the reminding file processing method in the embodiment.

The embodiment of the application also provides a computer program product, which when called by a computer, causes the computer to execute the reminding file processing method in the embodiment.

It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

Claims

1. A method for processing a reminder file, comprising:

2. The method of claim 1, wherein the first engagement information includes at least a first payoff date, a repayment mode, and a loan expiration date;

when the repayment mode is one-time repayment, taking the loan expiration date as the repayment date; or alternatively

When the repayment mode is according to the planned repayment and the planned repayment, determining the repayment date according to the first repayment date, the repayment planned date or the repayment planned date agreed with the target object; or alternatively

When the repayment mode is to pay according to a plan and pay due, determining the repayment date according to the first repayment date and the repayment plan date; or alternatively

And when the repayment mode is fixed-period repayment and planned repayment, determining the repayment date according to the first repayment date, the loan repayment mode and the loan repayment period which are agreed with the target object.

3. The method of claim 1 or 2, wherein the second engagement information includes at least a loan amount, a loan execution rate, the repayment manner;

the determining the repayment principal amount and the repayment interest amount of the target object for the next pre-repayment according to the second contract information acquired from the target contract comprises the following steps:

When the repayment mode is one-time repayment, taking the loan amount as the repayment principal amount, and determining the repayment interest amount according to the loan execution rate and the loan amount; or alternatively

When the repayment mode is according to the plan repayment and the plan repayment, the repayment principal amount is determined according to the loan amount, the repayment plan or the repayment plan agreed with the target object, and the repayment interest amount is determined according to the loan execution rate, the loan amount, the repayment plan or the repayment plan; or alternatively

When the repayment mode is to pay according to a plan and pay due, determining the repayment principal amount according to the loan expiration date and the loan amount, and determining the repayment interest amount according to the loan execution rate, the loan amount and the repayment plan; or alternatively

And when the repayment mode is fixed-period payment and the repayment is carried out according to a plan, determining the repayment principal amount according to the loan amount and the repayment plan, and determining the repayment interest amount according to the loan execution rate, the loan amount, the loan settlement mode and the loan settlement period which are agreed with the target object.

4. The method of claim 1, wherein the performing a verification operation on the alert file comprises:

according to the user information of the target object, executing verification operation on the reminding file; or alternatively

According to the contract information of the target contract, executing verification operation on the reminding file; or alternatively

And executing verification operation on the reminding file according to the first contract information and the second contract information.

5. The method of claim 1, wherein the method further comprises:

6. The method of claim 1, wherein the method further comprises:

7. The method of claim 1, wherein the sending the alert file to the target object comprises at least one of:

8. A reminder document processing apparatus, comprising:

9. The apparatus of claim 8, wherein the first engagement information includes at least a first payoff date, a repayment mode, and a loan expiration date;

the repayment date calculation module is specifically configured to:

10. The apparatus of claim 8 or 9, wherein the second engagement information includes at least a loan amount, a loan execution rate, the repayment manner;

the payment amount calculation module is specifically configured to:

11. The apparatus of claim 8, wherein the verification module is specifically configured to:

12. The apparatus of claim 8, wherein the apparatus further comprises a correction module;

13. The apparatus of claim 8, wherein the apparatus further comprises an update module;

14. The apparatus of claim 8, wherein the transmitting module is configured to at least one of:

15. An electronic device, comprising:

a memory for storing a computer program;

a processor for carrying out the method steps of any one of claims 1-7 when executing a computer program stored on said memory.

16. A computer-readable storage medium, characterized in that the computer-readable storage medium has stored therein a computer program which, when executed by a processor, implements the method steps of any of claims 1-7.

17. A computer program product comprising a computer program, characterized in that the computer program, when executed by a processor, implements the method steps of any of claims 1-7.