CN117391843A - Loan coupon generation method and device, storage medium and electronic equipment - Google Patents
Loan coupon generation method and device, storage medium and electronic equipment Download PDFInfo
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Abstract
The application discloses a loan coupon generation method, a loan coupon generation device, a storage medium and electronic equipment. Relates to the technical field of financial science and technology, wherein the method comprises the following steps: receiving a coupon application request triggered by a target object, wherein the coupon application request at least comprises target loan coupon subject coupon information requested by the target object, the target loan coupon subject is a coupon subject selected from M loan coupon subjects according to the loan information, the coupon information at least comprises maximum coupon amount and coupon discount proportion, and M is a positive integer; generating a preferential scheme according to the preferential information; a target coupon is generated based on the offer. The method and the device solve the technical problem that the generation efficiency of the loan coupon is low because the loan coupon required by the client is generated manually.
Description
Technical Field
The application relates to the technical field of financial science and technology, in particular to a loan coupon generation method, a loan coupon generation device, a storage medium and electronic equipment.
Background
In recent years, with the continued development of internet consumption finance and cash loan business, loan institutions collect a variety of different fees for customers. For example: cost of loan principal, loan interest, loan penalty, etc. The accumulation of these fees increases the customer's repayment pressure, and the amount of these fees increases rapidly, especially when customers generate overdue or other adverse conditions.
The conventional coupon method generally generates a loan coupon (i.e., an electronic coupon for reducing loan-related fees) required by a customer manually, so as to reduce or eliminate some or all of the fees for the customer, thereby helping the customer to relieve repayment pressure. However, the generation of the loan coupon required by the customer by the manual method requires multiple communication and coordination between the loan organization and the customer to determine the coupon information, so that the problem that the customer cannot use the loan coupon due to abnormal verification of the coupon information is easy to occur, and the problem that the generation efficiency of the loan coupon is low is also caused.
In view of the above problems, no effective solution has been proposed at present.
Disclosure of Invention
The application provides a loan coupon generation method, a device, a storage medium and electronic equipment, which at least solve the technical problem that the generation efficiency of the loan coupon is low because the loan coupon required by a customer is generated manually.
According to one aspect of the present application, there is provided a loan coupon generation method, comprising: receiving a coupon application request triggered by a target object, wherein the coupon application request at least comprises the coupon information of a target loan coupon subject requested by the target object, the target loan coupon subject is a coupon subject selected by the target object from M loan coupon subjects according to the loan information, the coupon information at least comprises the maximum coupon amount and the coupon discount proportion, and M is a positive integer; generating a preferential scheme according to the preferential information; and generating a target coupon based on the preferential scheme.
Optionally, generating the preferential scheme according to the preferential information includes: obtaining the repayment amount corresponding to the target loan preferential subjects; calculating an initial offer amount based on the payoff amount and the discount proportion; determining a target offer amount based on the initial offer amount and the maximum offer amount; generating the preferential scheme according to the target preferential amount and a preset use rule, wherein the preset use rule is a condition which needs to be met when the target preferential coupon is used.
Optionally, determining the target offer amount based on the initial offer amount and the maximum offer amount includes: comparing the initial preferential amount with the maximum preferential amount to obtain a comparison result; and determining the target preferential amount based on the comparison result.
Optionally, determining the target offer amount based on the comparison result includes: taking the initial offer amount as the target offer amount under the condition that the comparison result is a first comparison result, wherein the first comparison result is used for representing that the initial offer amount is smaller than the maximum offer amount; and taking the maximum preferential amount as the target preferential amount under the condition that the comparison result is a second comparison result, wherein the first comparison result is used for representing that the initial preferential amount is larger than or equal to the maximum preferential amount.
Optionally, after generating the target coupon based on the offer, the method further comprises: the target coupon is sent to a financial account of the target object, and a target loan preferential subject corresponding to the target coupon and a target preferential amount corresponding to the target coupon are obtained; generating prompt information based on the target loan preferential subject and the target preferential amount, and sending the prompt information to the target object, wherein the prompt information is used for prompting the target object that the target coupon is successfully issued to the financial account of the target object.
Optionally, after sending the target coupon to the financial account of the target object, the method further comprises: responding to a loan repayment instruction, and acquiring a target preferential amount corresponding to the target coupon; and determining the actual repayment amount of the target object based on the target discount amount corresponding to the target coupon and the repayment amount of the target object.
Optionally, after sending the target coupon to the financial account of the target object, the method further comprises: detecting whether the target coupon has been used; deleting the target coupon from the financial account of the target object if the target coupon has been used; detecting whether the current moment is within the use validity period of the target coupon under the condition that the target coupon is not used; deleting the target coupon from the financial account of the target object if the current time is not within the use validity period of the target coupon; and prohibiting the target coupon from being deleted from the financial account of the target object under the condition that the current moment is within the use validity period of the target coupon.
According to another aspect of the present application, there is also provided a loan coupon generating apparatus, including: the receiving module is used for receiving a coupon application request triggered by a target object, wherein the coupon application request at least comprises the preferential information of a target loan preferential subject requested by the target object, the target loan preferential subject is a preferential subject selected from M loan preferential subjects according to the loan information, the preferential information at least comprises the maximum preferential amount and the preferential discount proportion, and M is a positive integer; the first generation module is used for generating a preferential scheme according to the preferential information; and the second generation module is used for generating a target coupon based on the preferential scheme.
According to another aspect of the present application, there is also provided a computer readable storage medium having a computer program stored therein, wherein the computer program is configured to perform the above-described loan coupon generation method at run-time.
According to another aspect 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 that, when executed by the one or more processors, cause the one or more processors to implement a method for running the program, wherein the program is configured to perform the loan coupon generation method described above when run.
In the application, a coupon application request triggered by a target object is received first, wherein the coupon application request at least comprises the preferential information of a target loan preferential subject requested by the target object, the target loan preferential subject is a preferential subject selected from M loan preferential subjects according to the loan information, the preferential information at least comprises the maximum preferential amount and the preferential discount proportion, and M is a positive integer; generating a preferential scheme according to the preferential information; and finally, generating a target coupon based on the preferential scheme.
In the process, the coupon application request triggered by the target object is received, the coupon scheme is automatically generated according to the coupon information of the target loan coupon subjects requested by the target object in the coupon application request, and the target coupon is generated based on the coupon scheme.
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 application, illustrate embodiments of the application and together with the description serve to explain the application and do not constitute an undue limitation to the application. In the drawings:
FIG. 1 is a flow chart of an alternative method of generating a loan coupon, in accordance with an embodiment of the application;
FIG. 2 is a schematic illustration of an alternative offer according to an embodiment of the present application;
FIG. 3 is a schematic diagram of an alternative loan coupon generating device, in accordance with an embodiment of the application;
fig. 4 is a schematic diagram of an alternative electronic device according to an embodiment of the present application.
Detailed Description
In order to make the present application solution better understood by those skilled in the art, the following description will be made in detail and with reference to the accompanying drawings in the embodiments of the present application, 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 one of ordinary skill in the art based on the embodiments herein 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 claims of the present application 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 embodiments of the present application 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, the device, the storage medium and the electronic device for generating the loan coupon of the present application may be used in the field of financial technology, and may also be used in other fields besides the field of financial technology, and the application fields of the method, the device, the storage medium and the electronic device for generating the loan coupon of the present application are not limited.
It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are information and data authorized by the user or fully authorized by each party, and the collection, use and processing of the related data need to comply with the related laws and regulations and standards of the related region, and provide corresponding operation entries for the user to select authorization or rejection.
Example 1
In accordance with embodiments of the present application, an alternative method embodiment of a method of generating a loan coupon is provided, 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 flowchart of an alternative method of generating a loan coupon, as shown in FIG. 1, according to an embodiment of the application, comprising the steps of:
step S101, receiving a coupon application request triggered by a target object.
In an alternative embodiment, a system for generating a loan coupon may be used as the execution subject of the method for generating a loan coupon in the embodiments of the present application. For convenience of description, the generation system of the loan coupon will be simply referred to as a system hereinafter.
In step S101, the coupon application request at least includes the coupon information of the target loan coupon subject requested to be applied, where the target loan coupon subject is a coupon subject selected from M loan coupon subjects according to the loan information, and the coupon information includes at least a maximum coupon amount and a coupon discount proportion, and M is a positive integer.
Optionally, the M loan preferential subjects include, but are not limited to, loan principal, loan interest, loan penalty, loan arm premium, and loan arm premium default.
It should be noted that, in this embodiment, the target object may select the target loan preferential subject and the maximum preferential amount and preferential discount proportion corresponding to the target loan preferential subject according to the actual requirement, and automatically receive the preferential information of the target loan preferential subject requested by the target object after the target object selects the target loan preferential subject, so that multiple communication and coordination between the loan organization and the client are not needed to determine the preferential information, thereby improving the accuracy of the preferential information, and avoiding the problem that the client cannot use the loan coupon due to abnormal generation of the loan coupon caused by abnormal verification of the preferential information.
Step S102, generating a preferential scheme according to the preferential information.
In step S102, in this embodiment, the system may determine the target offer amount according to the maximum offer amount and the proportion of the discount in the offer information, and generate the offer scheme according to the offer information, the target offer amount and the preset usage rule. For example, the offer 1 shown in fig. 2 includes: scheme name: a charge-taking coupon for protection; discount proportion: 10%; maximum benefit amount: 500; target offer amount: 300; target loan preferential subjects: the charge is carried out, and the charge is carried out for overdue default; presetting a usage rule: rule a is used (e.g., the ticket is 10-membered available). The preferential scheme 2 includes: scheme name: fixed amount coupons; discount proportion: 10%; maximum benefit amount: 50; target offer amount: 50; target loan preferential subjects: loaning principal; presetting a usage rule: usage rule B, for example, the ticket is usable for 1-member).
Step S103, generating a target coupon based on the preferential scheme.
In step S103, the target coupon is an electronic coupon.
It should be noted that, the target coupon is automatically generated based on the coupon scheme, and the loan coupon required by the customer is not required to be generated manually, so that the technical effect of improving the generation efficiency of the loan coupon is realized, and the technical problem that the generation efficiency of the loan coupon is lower due to the fact that the loan coupon required by the customer is generated manually is solved.
Based on the scheme defined in the steps S101 to S103, it can be known that in the present application, a coupon application request triggered by a target object is received first, where the coupon application request includes at least coupon information of a target loan coupon subject requested by the target object, the target loan coupon subject is a coupon subject selected from M loan coupon subjects according to the loan information, and the coupon information includes at least a maximum coupon amount and a coupon discount proportion, where M is a positive integer; generating a preferential scheme according to the preferential information; and finally generating the target coupon based on the preferential scheme.
In the process, the coupon application request triggered by the target object is received, the coupon scheme is automatically generated according to the coupon information of the target loan coupon subjects requested by the target object in the coupon application request, and the target coupon is generated based on the coupon scheme.
Optionally, in the method for generating a loan coupon provided in the embodiment of the present application, generating a coupon scheme according to the coupon information includes: the system can acquire the repayment amount corresponding to the target loan preferential subjects; then calculating an initial discount amount based on the repayment amount and the discount proportion; then determining a target preferential amount based on the initial preferential amount and the maximum preferential amount; and finally, generating a preferential scheme according to the target preferential amount and a preset use rule, wherein the preset use rule is a condition which needs to be met when the target preferential coupon is used.
In this embodiment, the system may obtain a repayment amount corresponding to the target loan offer subject, and obtain an initial offer amount by calculating a product between the repayment amount and the discount proportion; and then the system can determine the final target coupon according to the initial coupon amount and the maximum coupon amount, and generate a coupon scheme according to the target coupon amount and a preset use rule, wherein the preset use rule is a condition required to be met when the target coupon is used, for example, the target coupon can be used only when the repayment amount meets the preset amount, and the target coupon can be used only in the use validity period.
It should be noted that, by calculating the initial offer amount based on the repayment amount and the discount proportion corresponding to the target loan offer subject, determining the target offer amount according to the initial offer amount and the maximum offer amount, and generating the discount scheme according to the target offer amount and the preset use rule, the automatic calculation of the target offer amount based on the discount information corresponding to the target loan offer subject is realized, and the calculation of the target offer amount by a manual mode is avoided, so that the data calculation time is reduced, and the generation efficiency of the loan coupon is improved.
Optionally, in the method for generating a loan coupon provided in the embodiment of the present application, determining the target offer amount based on the initial offer amount and the maximum offer amount includes: the system can compare the initial preferential amount with the maximum preferential amount to obtain a comparison result; the target offer amount is then determined based on the comparison result.
Optionally, in the method for generating a loan coupon provided in the embodiment of the present application, determining the target offer amount based on the comparison result includes: under the condition that the comparison result is a first comparison result, the system can take the initial preferential amount as a target preferential amount, wherein the first comparison result is used for representing that the initial preferential amount is smaller than the maximum preferential amount; and under the condition that the comparison result is the second comparison result, the system can take the maximum preferential amount as the target preferential amount, wherein the first comparison result is used for representing that the initial preferential amount is larger than or equal to the maximum preferential amount.
In order to accurately determine the target coupon amount and avoid the problem of abnormal coupon generation caused by calculation errors of the target coupon amount, in the embodiment, the system can determine the target coupon amount by comparing the comparison result of the initial coupon amount and the maximum coupon amount; specifically, when the comparison result is a first comparison result, that is, the initial offer amount is smaller than the maximum offer amount, the system may use the initial offer amount as the target offer amount; and under the condition that the comparison result is a second comparison result, namely the initial preferential amount is larger than or equal to the maximum preferential amount, the system can take the maximum preferential amount as the target preferential amount.
Optionally, in the loan coupon generating method provided in the embodiment of the present application, after generating the target coupon based on the coupon scheme, the method further includes: the system can send the target coupon to the financial account of the target object, and acquire the target loan preferential subject corresponding to the target coupon and the target preferential amount corresponding to the target coupon; and generating prompt information based on the target loan preferential subjects and the target preferential amounts, and sending the prompt information to the target objects, wherein the prompt information is used for prompting the target objects that the target coupons are successfully issued to the financial accounts of the target objects.
In this embodiment, after generating the target coupon based on the coupon scheme, the system may send the target coupon to the financial account of the target object, generate the prompt information based on the target loan offer corresponding to the target coupon and the target offer amount corresponding to the target coupon, and send the prompt information to the target object to prompt the target object that the target coupon has been successfully issued to the financial account of the target object.
Alternatively, after the system may send the target coupon to the target object's financial account, the target object may retrieve and view specific coupon information for the target coupon within the financial account.
Optionally, in this embodiment, the system may send the prompt information to the target object by means of a short message, a mail, or the like.
Optionally, in the loan coupon generating method provided in the embodiment of the present application, after sending the target coupon to the financial account of the target object, the method further includes: the system can respond to the loan repayment instruction to acquire the target preferential amount corresponding to the target coupon; and then determining the actual repayment amount of the target object based on the target discount amount corresponding to the target coupon and the repayment amount of the target object.
In this embodiment, the system may respond to the loan repayment instruction triggered by the target object, obtain the target preferential amount corresponding to the target coupon, and calculate the actual repayment amount of the target object based on the target preferential amount corresponding to the target coupon and the repayment amount of the target object, so that the target object performs repayment based on the actual repayment amount. For example, the target coupon is the guarantee fee deduction coupon in fig. 2, the target coupon corresponding to the target coupon is 300, the repayment amount of the target guarantee fee is 1000, and the actual repayment amount is 1000-300=700.
Optionally, in the loan coupon generating method provided in the embodiment of the present application, after sending the target coupon to the financial account of the target object, the method further includes: the system may detect whether the target coupon has been used; in the event that the target coupon has been used, the system may delete the target coupon from the financial account of the target object; in the case that the target coupon is not used, the system may detect whether the current time is within the use validity period of the target coupon; in the case that the current time is not within the use validity period of the target coupon, the system can delete the target coupon from the financial account of the target object; in the event that the current time is within the expiration date of the target coupon, the system may prohibit the target coupon from being deleted from the financial account of the target object.
To improve the resource utilization of the system, in this embodiment, the system may determine whether to clear the target coupon by detecting whether the target coupon has been used; in particular, in the event that the target coupon has been used, the system may delete the target coupon from the financial account of the target object; in the event that the target coupon is not used, the system may detect whether the current time is within the use validity of the target coupon to determine whether to clear the target coupon; specifically, in the event that the current time is not within the usage validity period of the target coupon, the system may delete the target coupon from the financial account of the target object; in the event that the current time is within the expiration date of the target coupon, the system may prohibit the target coupon from being deleted from the financial account of the target object.
Optionally, the system also provides the functions of querying, editing, etc. coupons.
In an alternative embodiment, the system may automatically generate the coupon based on the coupon configuration parameters and automatically generate the coupon based on the coupon configuration parameters. The system may then distribute the coupons to the financial accounts of potential customers in a coupon release list, which may be determined by the loan institution through list screening, rule screening, or overdue earning teams, and the potential customers may pick up coupons and transact related business.
Therefore, according to the method for generating the loan coupon, provided by the application, the coupon application request triggered by the target object is received, the coupon scheme is automatically generated according to the coupon information of the target loan coupon subject requested by the target object in the coupon application request, and the target coupon is generated based on the coupon scheme. According to the method for generating the loan coupon, the target object can select the target loan coupon subject and the maximum coupon amount and the coupon discount proportion corresponding to the target loan coupon subject according to actual demands, and after the target object selects the target loan coupon subject, the target object automatically receives the coupon information of the target loan coupon subject requested to be applied, and multiple times of communication and coordination between a loan organization and a client are not needed to determine the coupon information, so that the accuracy of the coupon information is improved, and the problem that the subsequent coupon generation is abnormal due to abnormal coupon information verification, so that the client cannot use the loan coupon is avoided.
Example 2
According to an embodiment of the present application, there is provided an embodiment of a loan coupon generating apparatus, wherein fig. 3 is a schematic diagram of an alternative loan coupon generating apparatus according to an embodiment of the present application, as shown in fig. 3, the apparatus includes:
the receiving module 301 is configured to receive a coupon application request triggered by a target object, where the coupon application request at least includes target loan coupon information requested by the target object, the target loan coupon information is a coupon item selected by the target object from M loan coupon items according to the loan information, and the coupon information includes at least a maximum coupon amount and a coupon discount proportion, and M is a positive integer;
a first generating module 302, configured to generate a coupon scheme according to the coupon information;
and a second generation module 303, configured to generate a target coupon based on the coupon scheme.
It should be noted that the receiving module 301, the first generating module 302, and the second generating module 303 correspond to steps S101 to S103 in the above embodiment 1, and the three modules are the same as examples and application scenarios implemented by the corresponding steps, but are not limited to those disclosed in the above embodiment 1.
Optionally, the first generating module includes: the first acquisition unit is used for acquiring the repayment amount corresponding to the target loan preferential subject; the calculating unit is used for calculating the initial discount amount based on the repayment amount and the discount proportion; a first determining unit configured to determine a target offer amount based on the initial offer amount and the maximum offer amount; the first generation unit is used for generating a preferential scheme according to the target preferential amount and preset use rules, wherein the preset use rules are conditions which are required to be met when the target preferential coupon is used.
Optionally, the first determining unit includes: the comparison unit is used for comparing the initial preferential amount with the maximum preferential amount to obtain a comparison result; and a second determining unit for determining the target offer amount based on the comparison result.
Optionally, the second determining unit includes: the third determining unit is used for taking the initial preferential amount as the target preferential amount under the condition that the comparison result is a first comparison result, wherein the first comparison result is used for representing that the initial preferential amount is smaller than the maximum preferential amount; and the fourth determining unit is used for taking the maximum preferential amount as the target preferential amount under the condition that the comparison result is the second comparison result, wherein the first comparison result is used for representing that the initial preferential amount is larger than or equal to the maximum preferential amount.
Optionally, the loan coupon generating device further includes: the first sending unit is used for sending the target coupon to the financial account of the target object after generating the target coupon based on the coupon scheme, and obtaining a target loan coupon subject corresponding to the target coupon and a target coupon amount corresponding to the target coupon; and the second sending unit is used for generating prompt information based on the target loan preferential subjects and the target preferential amounts and sending the prompt information to the target objects, wherein the prompt information is used for prompting the target objects that the target coupons are successfully issued to the financial accounts of the target objects.
Optionally, the loan coupon generating device further includes: the response unit is used for responding to the loan repayment instruction after sending the target coupon to the financial account of the target object, and obtaining the target coupon amount corresponding to the target coupon; and a fifth determining unit, configured to determine an actual payment amount of the target object based on the target coupon amount corresponding to the target coupon and the payment amount of the target object.
Optionally, the loan coupon generating device further includes: a first detection unit for detecting whether the target coupon has been used after transmitting the target coupon to the financial account of the target object; a first deleting unit configured to delete the target coupon from the financial account of the target object in a case where the target coupon has been used; the second detection unit is used for detecting whether the current moment is within the use validity period of the target coupon or not under the condition that the target coupon is not used; a second deleting unit, configured to delete the target coupon from the financial account of the target object when the current time is not within the usage validity period of the target coupon; and the third deleting unit is used for prohibiting the target coupon from being deleted from the financial account of the target object when the current moment is within the use validity period of the target coupon.
Example 3
According to another aspect of the embodiments of the present application, there is also provided a computer-readable storage medium having stored therein a computer program, wherein the computer program is configured to execute the above-described loan coupon generation method at run-time.
Example 4
According to another aspect of the embodiments of the present application, there is also provided an electronic device, wherein fig. 4 is a schematic diagram of an alternative electronic device according to an embodiment of the present application, as shown in fig. 4, the electronic device including one or more processors; and a memory for storing one or more programs that, when executed by the one or more processors, cause the one or more processors to implement a method for running the program, wherein the program is configured to perform the loan coupon generation method described above when run.
As shown in fig. 4, an embodiment of the present application provides an electronic device, where the device includes a processor, a memory, and a program stored on the memory and executable on the processor, and when the processor executes the program, the following steps are implemented:
receiving a coupon application request triggered by a target object, wherein the coupon application request at least comprises target loan coupon subject coupon information requested by the target object, the target loan coupon subject is a coupon subject selected from M loan coupon subjects according to the loan information, the coupon information at least comprises maximum coupon amount and coupon discount proportion, and M is a positive integer; generating a preferential scheme according to the preferential information; a target coupon is generated based on the offer.
Optionally, the processor when executing the program further implements the following steps: obtaining repayment amount corresponding to the target loan preferential subjects; calculating an initial discount amount based on the repayment amount and the discount proportion; determining a target offer amount based on the initial offer amount and the maximum offer amount; generating a preferential scheme according to the target preferential amount and a preset using rule, wherein the preset using rule is a condition which needs to be met when the target preferential coupon is used.
Optionally, the processor when executing the program further implements the following steps: comparing the initial preferential amount with the maximum preferential amount to obtain a comparison result; and determining the target preferential amount based on the comparison result.
Optionally, the processor when executing the program further implements the following steps: under the condition that the comparison result is a first comparison result, taking the initial preferential amount as a target preferential amount, wherein the first comparison result is used for representing that the initial preferential amount is smaller than the maximum preferential amount; and taking the maximum preferential amount as the target preferential amount under the condition that the comparison result is the second comparison result, wherein the first comparison result is used for representing that the initial preferential amount is larger than or equal to the maximum preferential amount.
Optionally, the processor when executing the program further implements the following steps: after generating a target coupon based on the coupon scheme, transmitting the target coupon to a financial account of a target object, and acquiring a target loan coupon subject corresponding to the target coupon and a target coupon amount corresponding to the target coupon; and generating prompt information based on the target loan preferential subjects and the target preferential amounts, and sending the prompt information to the target objects, wherein the prompt information is used for prompting the target objects that the target coupons are successfully issued to the financial accounts of the target objects.
Optionally, the processor when executing the program further implements the following steps: after the target coupon is sent to the financial account of the target object, responding to a loan repayment instruction, and acquiring a target coupon amount corresponding to the target coupon; and determining the actual repayment amount of the target object based on the target discount amount corresponding to the target coupon and the repayment amount of the target object.
Optionally, the processor when executing the program further implements the following steps: after sending the target coupon to the financial account of the target object, detecting whether the target coupon has been used; deleting the target coupon from the financial account of the target object if the target coupon has been used; detecting whether the current moment is within the use validity period of the target coupon under the condition that the target coupon is not used; deleting the target coupon from the financial account of the target object under the condition that the current moment is not within the use validity period of the target coupon; and prohibiting the target coupon from being deleted from the financial account of the target object when the current moment is within the use validity period of the target coupon.
The foregoing embodiment numbers of the present application are merely for describing, and do not represent advantages or disadvantages of the embodiments.
In the foregoing embodiments of the present application, 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 content may be implemented in other manners. The above-described embodiments of the apparatus are merely exemplary, and the division of units may be a logic function division, and there may be another division manner in actual implementation, for example, multiple units or components may be combined or 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 over 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 each embodiment 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 application may be embodied in essence or a part contributing to the prior art or all or part of the technical solution, in the form of a software product stored in a storage medium, including several instructions to cause 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 methods of the embodiments of the present application. 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 application 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 application and are intended to be comprehended within the scope of the present application.
Claims (10)
1. A method of generating a loan coupon, comprising:
receiving a coupon application request triggered by a target object, wherein the coupon application request at least comprises the coupon information of a target loan coupon subject requested by the target object, the target loan coupon subject is a coupon subject selected by the target object from M loan coupon subjects according to the loan information, the coupon information at least comprises the maximum coupon amount and the coupon discount proportion, and M is a positive integer;
generating a preferential scheme according to the preferential information;
and generating a target coupon based on the preferential scheme.
2. The method of claim 1, wherein generating a coupon scheme from the coupon information comprises:
obtaining the repayment amount corresponding to the target loan preferential subjects;
calculating an initial offer amount based on the payoff amount and the discount proportion;
determining a target offer amount based on the initial offer amount and the maximum offer amount;
generating the preferential scheme according to the target preferential amount and a preset use rule, wherein the preset use rule is a condition which needs to be met when the target preferential coupon is used.
3. The method of claim 2, wherein determining a target offer amount based on the initial offer amount and the maximum offer amount comprises:
comparing the initial preferential amount with the maximum preferential amount to obtain a comparison result;
and determining the target preferential amount based on the comparison result.
4. A method according to claim 3, wherein determining the target offer amount based on the comparison result comprises:
taking the initial offer amount as the target offer amount under the condition that the comparison result is a first comparison result, wherein the first comparison result is used for representing that the initial offer amount is smaller than the maximum offer amount;
and taking the maximum preferential amount as the target preferential amount under the condition that the comparison result is a second comparison result, wherein the first comparison result is used for representing that the initial preferential amount is larger than or equal to the maximum preferential amount.
5. The method of claim 2, wherein after generating the targeted coupon based on the offer, the method further comprises:
the target coupon is sent to a financial account of the target object, and a target loan preferential subject corresponding to the target coupon and a target preferential amount corresponding to the target coupon are obtained;
generating prompt information based on the target loan preferential subject and the target preferential amount, and sending the prompt information to the target object, wherein the prompt information is used for prompting the target object that the target coupon is successfully issued to the financial account of the target object.
6. The method of claim 5, wherein after sending the target coupon to the financial account of the target object, the method further comprises:
responding to a loan repayment instruction, and acquiring a target preferential amount corresponding to the target coupon;
and determining the actual repayment amount of the target object based on the target discount amount corresponding to the target coupon and the repayment amount of the target object.
7. The method of claim 5, wherein after sending the target coupon to the financial account of the target object, the method further comprises:
detecting whether the target coupon has been used;
deleting the target coupon from the financial account of the target object if the target coupon has been used;
detecting whether the current moment is within the use validity period of the target coupon under the condition that the target coupon is not used;
deleting the target coupon from the financial account of the target object if the current time is not within the use validity period of the target coupon;
and prohibiting the target coupon from being deleted from the financial account of the target object under the condition that the current moment is within the use validity period of the target coupon.
8. A loan coupon generation apparatus, comprising:
the receiving module is used for receiving a coupon application request triggered by a target object, wherein the coupon application request at least comprises the preferential information of a target loan preferential subject requested by the target object, the target loan preferential subject is a preferential subject selected from M loan preferential subjects according to the loan information, the preferential information at least comprises the maximum preferential amount and the preferential discount proportion, and M is a positive integer;
the first generation module is used for generating a preferential scheme according to the preferential information;
and the second generation module is used for generating a target coupon based on the preferential scheme.
9. A computer readable storage medium, characterized in that a computer program is stored in the computer readable storage medium, wherein the computer program is arranged to execute the method of generating a loan coupon as claimed in any one of claims 1 to 7 at run-time.
10. An electronic device comprising 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 method of generating a loan coupon of any of claims 1-7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202311394751.1A CN117391843A (en) | 2023-10-25 | 2023-10-25 | Loan coupon generation method and device, storage medium and electronic equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202311394751.1A CN117391843A (en) | 2023-10-25 | 2023-10-25 | Loan coupon generation method and device, storage medium and electronic equipment |
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| Publication Number | Publication Date |
|---|---|
| CN117391843A true CN117391843A (en) | 2024-01-12 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202311394751.1A Pending CN117391843A (en) | 2023-10-25 | 2023-10-25 | Loan coupon generation method and device, storage medium and electronic equipment |
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| Country | Link |
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| CN (1) | CN117391843A (en) |
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2023
- 2023-10-25 CN CN202311394751.1A patent/CN117391843A/en active Pending
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