WO2019169758A1 - 数据处理装置、方法及计算机可读存储介质 - Google Patents

数据处理装置、方法及计算机可读存储介质 Download PDF

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Publication number
WO2019169758A1
WO2019169758A1 PCT/CN2018/089182 CN2018089182W WO2019169758A1 WO 2019169758 A1 WO2019169758 A1 WO 2019169758A1 CN 2018089182 W CN2018089182 W CN 2018089182W WO 2019169758 A1 WO2019169758 A1 WO 2019169758A1
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Prior art keywords
repayment
amount
data processing
repaid
bill
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PCT/CN2018/089182
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English (en)
French (fr)
Inventor
陈磊
夏学军
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平安科技（深圳）有限公司
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Publication of WO2019169758A1 publication Critical patent/WO2019169758A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/407—Cancellation of a transaction

Definitions

  • the present application relates to the field of computer technologies, and in particular, to a data processing apparatus, method, and computer readable storage medium.
  • the present application provides a data processing apparatus, method, and computer readable storage medium, the main purpose of which is to solve the technical problem that the effective recovery of a loan cannot be realized in the prior art.
  • the present application provides a data processing apparatus including a memory and a processor, wherein the memory stores a data processing program executable on the processor, and the data processing program is processed by the processing The following steps are implemented when the device is executed:
  • the repayment account information bound to the user account is obtained, the amount to be repaid is calculated, and a repayment bill is generated according to the to-be-paid amount;
  • A2 Send a collection request to the resource system according to the repayment account information, the repayment bill, and the collection agreement between the resource systems corresponding to the repayment account information;
  • step A4 if not, the plurality of sub-repayment bills are respectively used as the current repayment bill, and step A2 is sequentially performed;
  • the present application further provides a data processing method, including:
  • step B4 if not, the plurality of sub-repayment bills are respectively used as the current repayment bill, and step B2 is sequentially executed;
  • the present application further provides a computer readable storage medium having a data processing program stored thereon, the data processing program being executable by one or more processors to implement The steps of the data processing method as described above.
  • the data processing apparatus, method and computer readable storage medium provided by the present application acquire the repayment account information bound to the user account when the repayment period of the user account is detected, calculate the amount to be repaid and generate the repayment amount.
  • the payment bill sends a collection request to the resource system according to the repayment account information, the repayment bill, and the collection agreement between the resource systems corresponding to the repayment account information, and if the receiving resource system returns based on the collection request.
  • the insufficient balance prompt message the current repayment bill is split into multiple sub-repayment bills according to the amount to be repaid, and when the repayment amount of the sub-repayment bill is greater than or equal to a preset threshold, according to multiple sub-payments
  • the amount is separately sent to the collection request, and is sent to the resource system one by one.
  • the splitting is stopped.
  • the amount of the repayment success and the amount of the repayment failure are calculated and recorded. In this way, the loan can be effectively recovered in the case where the remaining amount of the repayment account bound to the user account is insufficient.
  • FIG. 1 is a schematic diagram of a preferred embodiment of a data processing apparatus of the present application.
  • FIG. 2 is a flow chart of a first embodiment of a data processing method of the present application.
  • the application provides a data processing device.
  • FIG. 1 a schematic diagram of a preferred embodiment of a data processing apparatus of the present application is shown.
  • the data processing device may be a PC (Personal Computer), or may be a terminal device such as a smart phone, a tablet computer, or a portable computer.
  • the data processing apparatus includes at least a memory 11, a processor 12, a communication bus 13, and a network interface 14.
  • the memory 11 includes at least one type of readable storage medium including a flash memory, a hard disk, a multimedia card, a card type memory (for example, an SD or DX memory, etc.), a magnetic memory, a magnetic disk, an optical disk, and the like.
  • the memory 11 may be an internal storage unit of the data processing device, such as a hard disk of the data processing device, in some embodiments.
  • the memory 11 may also be an external storage device of the data processing device in other embodiments, such as a plug-in hard disk equipped on the data processing device, a smart memory card (SMC), and a secure digital (SD). Card, flash card, etc.
  • the memory 11 may also include both an internal storage unit of the data processing device and an external storage device.
  • the memory 11 can be used not only for storing application software installed in the data processing device and various types of data, such as code of a data processing program, but also for temporarily storing data that has been output or is to be output.
  • the processor 12 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor or other data processing chip for running program code or processing stored in the memory 11. Data, such as executing a data processing program, and the like.
  • CPU Central Processing Unit
  • controller microcontroller
  • microprocessor or other data processing chip for running program code or processing stored in the memory 11.
  • Data such as executing a data processing program, and the like.
  • Communication bus 13 is used to implement connection communication between these components.
  • the network interface 14 can optionally include a standard wired interface, a wireless interface (such as a WI-FI interface), and is typically used to establish a communication connection between the device and other electronic devices.
  • a standard wired interface such as a WI-FI interface
  • Figure 1 shows only data processing apparatus having components 11-14 and data processing programs, but it should be understood that not all illustrated components may be implemented and that more or fewer components may be implemented instead.
  • the device may further include a user interface
  • the user interface may include a display
  • an input unit such as a keyboard
  • the optional user interface may further include a standard wired interface and a wireless interface.
  • the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch sensor, or the like.
  • the display may also be suitably referred to as a display screen or display unit for displaying information processed in the data processing device and a user interface for displaying visualizations.
  • a data processing program is stored in the memory 11; when the processor 12 executes the data processing program stored in the memory 11, the following steps are implemented:
  • the repayment account information bound to the user account is obtained, the amount to be repaid is calculated, and a repayment bill is generated according to the to-be-paid amount;
  • A2 Send a collection request to the resource system according to the repayment account information, the repayment bill, and the collection agreement between the resource systems corresponding to the repayment account information;
  • step A4 if not, the plurality of sub-repayment bills are respectively used as the current repayment bill, and step A2 is sequentially performed;
  • the account management system is deployed in the data processing device, and the user account under the account management system is a loan account, and each user account is bound with repayment account information for repayment, such as a bank card number, and
  • the account information corresponds to the resource system, that is, the bank management system corresponding to the bank card.
  • the account management system monitors the repayment period of each user account in the system periodically or in real time.
  • the repayment period of the user account is monitored, the repayment account information bound to the user account is obtained, and the repayment amount M is calculated. And generating a repayment bill according to the amount to be repaid.
  • a repayment request is initiated to the repayment system based on the user information of the user account, the repayment bill, and the repayment agreement between the systems.
  • the step of calculating the amount to be repaid includes: querying loan information of the user account, where the loan information includes a loan amount, a loan interest rate, and a loan period; and the borrowing amount according to the query The loan interest rate and the loan period are calculated as the amount to be repaid.
  • the resource system When receiving the collection request, the resource system obtains the repayment account information and the amount to be repaid in the collection request, and queries the remaining amount of the repayment account information in the resource system to determine whether the remaining resources are greater than or equal to If the payment is made, if the payment is made, the payment amount is directly transferred to the user account in the account management system according to the repayment agreement, and the payment is successfully sent to the user terminal bound to the user account.
  • the prompt information if the remaining resources are less than the amount to be repaid, the prompt information of insufficient balance is sent to the account management system.
  • the account management system splits the repayment bill into a plurality of sub-repayment bills according to the amount to be repaid, and divides the repayment amount M of the repayment bill into N shares.
  • Each one corresponds to a sub-repayment bill, where N ⁇ 2, it should be noted that the method of splitting may be to randomly divide the amount to be repaid into the sum of the N sub-repayments of M, that is, each sub-return The amount of the amount is random, as long as the sum of the N repayment amounts is equal to M.
  • the amount M to be repaid is equally divided into N shares, wherein N ⁇ 2, and N sub-repayment amounts of each share of M/N are obtained, and when there are decimal places, rounding is performed. Processing is converted to an integer.
  • the repayment amount of each sub-repayment bill is M/N, starting from the first sub-payment bill.
  • the plurality of sub-repayment bills are respectively used as the current repayment bills, and step A2 is sequentially executed based on the current sub-repayment bills, that is, starting from the first sub-subpayment repayment bill, and sequentially based on the n-th sub-subpayment account one-way resource system.
  • the repayment bill is to split the repayment amount M/N of the sub-repayment bill into N shares, and obtain multiple sub-payment repayment bills with each repayment amount of M/N 2 , and follow the same process as the above process one by one.
  • the repayment system initiates a collection request, Until the message that the balance sent by the resource system is insufficient is received.
  • the sub-repayment amount of the prompt information that is insufficiently received is split again, and the sub-repayment amount M/N X obtained after splitting X times is less than the preset threshold, then the splitting is stopped.
  • the amount of the successful repayment and the amount of the repayment failure are calculated, and the information is further recorded, and the information of the amount of the repayment success and the amount of the repayment failure is further sent to the user terminal to which the user account is bound.
  • the sub-repayment amount obtained after the splitting has a sub-repayment amount greater than or equal to a preset threshold, and if so, The payment receipt request is sent. If the amount of the plurality of sub-repayments obtained after the splitting is less than the preset threshold, the payment is completed, and the amount of the successful repayment and the amount of the repayment failure are calculated and recorded.
  • the repayment bill is evenly split into two sub-repayment bills.
  • the amount of the user to be repaid is 100,000. It is assumed that the balance of the bank card account used for repayment under the user account is 80,000, and the preset threshold is 2000. If a 100,000 collection request is initiated directly to the bank corresponding to the bank card, the payment will fail.
  • the repayment bill with the repayment amount of 100,000 is split into two sub-repayment bills of 50,000, and the collection request is initiated based on the first 50,000 to the banking system.
  • the banking system will initiate 5 repayments, that is, the first payment is successful, and then, based on the second 50,000 to the bank system, a payment request is initiated, because the bank card account at this time After the repayment, the balance is 30,000. If the second payment of 50,000 is unsuccessful, the two-way split of the 50,000 will continue to be split into two 25,000 sub-repayments. The first payment will be made.
  • the second payment failed the remaining balance of the bank card 5000; then continue to split the 25000 into two, split into two 12500 sub-repayment amount, the first payment failed; then continue to 12500 Two-point split, split into two 6250 sub-payments, the first payment failed; then continue to split the 6250 into two, split into two 3125 sub-repayment amount, the first receipt Successful payment, the second payment failed, the remaining balance of the bank card 1875; then continue to split the 3125 into two, split Two 1563 (the decimal point after the split, rounded off) the amount of the child to be repaid.
  • the split sub-repayment amount is less than the preset threshold of 2000, the operation of collecting and splitting will not be continued.
  • the payment is terminated.
  • the user finally succeeded in repaying 78125, achieving the goal of repayment as much as possible.
  • the preset threshold 3000 in the above application scenario is only an example.
  • the user can set a preset threshold according to requirements, for example, setting the preset threshold to be a tenth of the amount to be repaid. One or one percent.
  • the resource system can initiate repayment directly to the account management system when the remittance request is received for the first time, that is, if the account is If the management system receives the repayment initiated by the resource system based on the collection request, and the repayment amount is equal to the total repayment amount of the user account, the status of the user account is updated to be repaid.
  • the data processing apparatus acquires the repayment account information bound to the user account when the repayment period of the user account is detected, calculates the amount to be repaid, and generates a repayment bill, according to the repayment account.
  • the collection agreement between the information, the repayment bill, and the resource system corresponding to the repayment account information sends a collection request to the resource system, and receives the prompt information that the resource system returns insufficient balance based on the collection request,
  • the current repayment bill is split into multiple sub-repayment bills, and when the repayment amount of the sub-repayment bill is greater than or equal to the preset threshold, the collection request is initiated according to the plurality of sub-repayment amounts respectively.
  • a second embodiment of the data processing apparatus of the present application is proposed based on the first embodiment.
  • the data processing program may also be executed by the processor 12 to implement the following steps between step A1 and step A2:
  • step A2 is performed;
  • the repayment bill is split into a plurality of sub-repayment bills equal to or smaller than the single transferable resource quota, and step A4 is performed. .
  • the single transferable resource quota set by the repayment account information is considered, and if the repayment amount is greater than the single transferable resource quota, the The payment bill is split into multiple sub-payment repayment bills whose repayment amount is equal to or less than the single transferable resource quota, and the collection payment request is sent in sequence.
  • the user's repayment amount is 200,000
  • the repayment account information corresponds to The balance is 180,000
  • the amount of a single transferable resource is 50,000.
  • the 200,000 yuan will be split into 50,000, 50,000, 50,000, and 50,000.
  • the first three 50,000-generation collections were successful, and the fourth-generation collection failed.
  • the single transferable resource quota can be obtained by initiating a query request to the resource system.
  • the one-day transferable resource quota set by the repayment account information is considered before the first generation of the collection request, and in particular, the data processing program may be executed by the processor 12 to Between step A1 and step A2, the following steps are also implemented:
  • the one-day transferable resource quota is divided into a plurality of repayment repayment bills whose repayment amount is equal to or smaller than the one-day transferable resource quota; currently only the first obtained by splitting
  • the repayment statement is used to collect the payment, and the remaining repayment amount is recorded.
  • the second sub-repayment bill is collected on the second day, and so on, until the collection of all sub-repayment bills is completed.
  • the collection amount for each sub-payment amount is also collected in the manner as in the first embodiment described above.
  • the present application also provides a data processing method.
  • FIG. 2 it is a flowchart of the first embodiment of the data processing method of the present application. The method can be performed by a device that can be implemented by software and/or hardware.
  • the data processing method includes:
  • Step S10 When it is detected that the repayment period of the user account expires, obtain the repayment account information bound to the user account, calculate the amount of the repayment amount, and generate a repayment bill according to the to-be-paid amount;
  • Step S20 Send a collection request to the resource system according to the repayment account information, the repayment bill, and the collection agreement between the resource systems corresponding to the repayment account information;
  • Step S30 If receiving the prompt information that the resource system returns insufficient balance based on the collection and payment request, splitting the current repayment bill into a plurality of sub-repayment bills according to the amount to be repaid, and determining the Whether the repayment amount of multiple sub-repayment bills is less than a preset threshold;
  • Step S40 if not, the plurality of sub-repayment bills are respectively used as the current repayment bill, and sequentially execute step S20;
  • step S50 if yes, the amount of the successful repayment and the amount of the repayment failure are calculated and recorded.
  • the account management system is deployed in the data processing device, and the user account under the account management system is a loan account, and each user account is bound with repayment account information for repayment, such as a bank card number, and the repayment account information corresponds to the resource.
  • the system that is, the bank management system corresponding to the bank card. There is an authorized collection agreement between the account management system and the resource transfer system.
  • the account management system monitors the repayment period of each user account in the system periodically or in real time.
  • the repayment period of the user account is monitored, the repayment account information bound to the user account is obtained, and the repayment amount M is calculated. And generating a repayment bill according to the amount to be repaid.
  • a repayment request is initiated to the repayment system based on the user information of the user account, the repayment bill, and the repayment agreement between the systems.
  • the step of calculating the amount to be repaid includes: querying loan information of the user account, where the loan information includes a loan amount, a loan interest rate, and a loan period; and the borrowing amount according to the query The loan interest rate and the loan period are calculated as the amount to be repaid.
  • the resource system When receiving the collection request, the resource system obtains the repayment account information and the amount to be repaid in the collection request, and queries the remaining amount of the repayment account information in the resource system to determine whether the remaining resources are greater than or equal to If the payment is made, if the payment is made, the payment amount is directly transferred to the user account in the account management system according to the repayment agreement, and the payment is successfully sent to the user terminal bound to the user account.
  • the prompt information if the remaining resources are less than the amount to be repaid, the prompt information of insufficient balance is sent to the account management system.
  • the account management system splits the repayment bill into a plurality of sub-repayment bills according to the amount to be repaid, and divides the repayment amount M of the repayment bill into N shares.
  • Each one corresponds to a sub-repayment bill, where N ⁇ 2, it should be noted that the method of splitting may be to randomly divide the amount to be repaid into the sum of the N sub-repayments of M, that is, each sub-return The amount of the amount is random, as long as the sum of the N repayment amounts is equal to M.
  • the amount M to be repaid is equally divided into N shares, wherein N ⁇ 2, and N sub-repayment amounts of each share of M/N are obtained, and when there are decimal places, rounding is performed. Processing is converted to an integer.
  • the repayment amount of each sub-repayment bill is M/N, starting from the first sub-payment bill.
  • the plurality of sub-repayment bills are respectively used as the current repayment bills, and step A2 is sequentially executed based on the current sub-repayment bills, that is, starting from the first sub-subpayment repayment bill, and sequentially based on the n-th sub-subpayment account one-way resource system.
  • the repayment bill is to split the repayment amount M/N of the sub-repayment bill into N shares, and obtain multiple sub-payment repayment bills with each repayment amount of M/N 2 , and follow the same process as the above process one by one.
  • Repayment system initiates a collection request Until it receives an insufficient balance system resources to send message.
  • the sub-repayment amount of the prompt information that is insufficiently received is split again, and the sub-repayment amount M/N X obtained after splitting X times is less than the preset threshold, then the splitting is stopped.
  • the amount of the successful repayment and the amount of the repayment failure are calculated, and the information is further recorded, and the information of the amount of the repayment success and the amount of the repayment failure is further sent to the user terminal to which the user account is bound.
  • the sub-repayment amount obtained after the splitting has a sub-repayment amount greater than or equal to a preset threshold, and if so, The payment receipt request is sent. If the amount of the plurality of sub-repayments obtained after the splitting is less than the preset threshold, the payment is completed, and the amount of the successful repayment and the amount of the repayment failure are calculated and recorded.
  • the repayment bill is evenly split into two sub-repayment bills.
  • the amount of the user to be repaid is 100,000. It is assumed that the balance of the bank card account used for repayment under the user account is 80,000, and the preset threshold is 2000. If a 100,000 collection request is initiated directly to the bank corresponding to the bank card, the payment will fail.
  • the repayment bill with the repayment amount of 100,000 is split into two sub-repayment bills of 50,000, and the collection request is initiated based on the first 50,000 to the banking system.
  • the banking system will initiate 5 repayments, that is, the first payment is successful, and then, based on the second 50,000 to the bank system, a payment request is initiated, because the bank card account at this time After the repayment, the balance is 30,000. If the second payment of 50,000 is unsuccessful, the two-point split of the 50,000 will continue to be split into two 25,000 sub-repayments. The first payment will be made.
  • the second payment failed the remaining balance of the bank card 5000; then continue to split the 25000 into two, split into two 12500 sub-repayment amount, the first payment failed; then continue to 12500 Two-point split, split into two 6250 sub-payments, the first payment failed; then continue to split the 6250 into two, split into two 3125 sub-repayment amount, the first receipt Successful payment, the second payment failed, the remaining balance of the bank card 1875; then continue to split the 3125 into two, split For the two 1563 (the number of decimal points after the split, rounded off), the amount of the child to be repaid, at this time, the amount of the child to be repaid after the split is less than the preset threshold of 2000, then the collection and split will not continue Operation, payment termination. The user finally succeeded in repaying 78125, achieving the goal of repayment as much as possible.
  • the preset threshold 3000 in the above application scenario is only an example.
  • the user can set a preset threshold according to requirements, for example, setting the preset threshold to be a tenth of the amount to be repaid. One or one percent.
  • the resource system can initiate repayment directly to the account management system when the remittance request is received for the first time, that is, if the account is If the management system receives the repayment initiated by the resource system based on the collection request, and the repayment amount is equal to the total repayment amount of the user account, the status of the user account is updated to be repaid.
  • the data processing method provided in this embodiment obtains the repayment account information bound to the user account when the repayment period of the user account is detected, calculates the amount to be repaid and generates a repayment account, according to the repayment account.
  • the collection agreement between the information, the repayment bill, and the resource system corresponding to the repayment account information sends a collection request to the resource system, and receives the prompt information that the resource system returns insufficient balance based on the collection request,
  • the current repayment bill is split into multiple sub-repayment bills, and when the repayment amount of the sub-repayment bill is greater than or equal to the preset threshold, the collection request is initiated according to the plurality of sub-repayment amounts respectively.
  • step S10 A second embodiment of the data processing method of the present application is proposed based on the first embodiment.
  • the method further includes the following steps:
  • step S20 is performed;
  • the repayment bill is split into a plurality of sub-repayment bills equal to or smaller than the single transferable resource quota, and step S40 is performed. .
  • the single transferable resource quota set by the repayment account information is considered, and if the repayment amount is greater than the single transferable resource quota, the The payment bill is split into multiple sub-payment repayment bills whose repayment amount is equal to or less than the single transferable resource quota, and the collection payment request is sent in sequence.
  • the user's repayment amount is 200,000
  • the repayment account information corresponds to The balance is 180,000
  • the amount of a single transferable resource is 50,000.
  • the 200,000 yuan will be split into 50,000, 50,000, 50,000, and 50,000.
  • the first three 50,000-generation collections were successful, and the fourth-generation collection failed.
  • the single transferable resource quota can be obtained by initiating a query request to the resource system.
  • the one-day transferable resource quota set by the repayment account information is considered before the first generation of the collection request, and in particular, the data processing program may be executed by the processor 12 to Between step S10 and step S20, the following steps are also implemented:
  • step S20 Obtaining a one-day transferable resource amount corresponding to the repayment account information; if the calculated repayment amount is less than or equal to the single-day transferable resource quota, step S20 is performed; if the calculated repayment amount is greater than
  • the one-day transferable resource quota is divided into a plurality of repayment repayment bills whose repayment amount is equal to or smaller than the one-day transferable resource quota; currently only the first obtained by splitting
  • the repayment statement is used to collect the payment, and the remaining repayment amount is recorded.
  • the second sub-repayment bill is collected on the second day, and so on, until the collection of all sub-repayment bills is completed.
  • the collection amount for each sub-payment amount is also collected in the manner as in the first embodiment described above.
  • the embodiment of the present application further provides a computer readable storage medium, where the data processing program is stored, and the data processing program can be executed by one or more processors to implement the following operations:
  • step B4 if not, the plurality of sub-repayment bills are respectively used as the current repayment bill, and step B2 is sequentially executed;
  • the technical solution of the present application which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM as described above). , a disk, an optical disk, including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the methods described in the various embodiments of the present application.
  • a terminal device which may be a mobile phone, a computer, a server, or a network device, etc.

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Abstract

本申请公开了一种数据处理装置，包括存储器和处理器，存储器上存储有可在处理器上运行的数据处理程序，该程序被处理器执行时实现如下步骤：A1、获取该用户账号绑定的还款账户信息，计算待还款金额生成还款账单；A2、根据还款账户信息、还款账单，向资源系统发送代收款请求；A3、若接收到余额不足的提示信息，则将当前的还款账单拆分为多个子还款账单，并判断多个子还款账单是否均小于预设阈值；A4、若否，则将多个子还款账单作为当前的还款账单依次执行步骤A2；A5、若是，则计算还款成功的金额和还款失败的金额。本申请还提出一种数据处理方法以及一种计算机可读存储介质。本申请解决了现有技术中无法实现贷款的有效追缴的技术问题。

Description

数据处理装置、方法及计算机可读存储介质
本申请基于巴黎公约申明享有2018年03月06日递交的申请号为201810184779.5、名称为“数据处理装置、方法及计算机可读存储介质”的中国专利申请的优先权，该中国专利申请的整体内容以参考的方式结合在本申请中。
技术领域
本申请涉及计算机技术领域，尤其涉及一种数据处理装置、方法及计算机可读存储介质。
背景技术
随着人们生活和消费水平的提高，越来越多的人通过贷款买房、买车，个人贷款已成为人们越来越常用的一种金融产品。目前市面上的各类贷款业务繁多，例如类型众多的小贷业务，很多都是根据还款金额直接发起对账户绑定的银行卡的代收动作，但是，当绑定的银行卡金额不足时，就会发生代收还款失败，而实际上该银行卡还有一定的余额，只是该余额少于还款金额，并且由于银行系统处于对用户信息安全性的考虑，贷款机构无法跨系统查询该用户在银行系统的余额，只能根据需要还款金额直接发起代收款请求，导致不能成功代收，导致无法实现贷款的有效追缴。
发明内容
本申请提供一种数据处理装置、方法及计算机可读存储介质，其主要目的在于解决现有技术中无法实现贷款的有效追缴的技术问题。
为实现上述目的，本申请提供一种数据处理装置，该装置包括存储器和处理器，所述存储器中存储有可在所述处理器上运行的数据处理程序，所述数据处理程序被所述处理器执行时实现如下步骤：
A1、当检测到有用户账号的还款期限届至时，获取该用户账号绑定的还款账户信息，计算待还款金额，并根据所述待还款金额生成还款账单；
A2、根据所述还款账户信息、还款账单，以及与所述还款账户信息对应 的资源系统之间的代收款协议，向所述资源系统发送代收款请求；
A3、若接收到所述资源系统基于所述代收款请求返回的余额不足的提示信息，则按照待还款金额将当前的还款账单拆分为多个子还款账单，并判断所述多个子还款账单的还款金额是否均小于预设阈值；
A4、若否，则分别将所述多个子还款账单作为当前的还款账单，依次执行步骤A2；
A5、若是，则计算还款成功的金额和还款失败的金额，并进行记录。
此外，为实现上述目的，本申请还提供一种数据处理方法，该方法包括：
B1、当检测到有用户账号的还款期限届至时，获取该用户账号绑定的还款账户信息，计算待还款金额，并根据所述待还款金额生成还款账单；
B2、根据所述还款账户信息、还款账单，以及与所述还款账户信息对应的资源系统之间的代收款协议，向所述资源系统发送代收款请求；
B3、若接收到所述资源系统基于所述代收款请求返回的余额不足的提示信息，则按照待还款金额将当前的还款账单拆分为多个子还款账单，并判断所述多个子还款账单的还款金额是否均小于预设阈值；
B4、若否，则分别将所述多个子还款账单作为当前的还款账单，并依次执行步骤B2；
B5、若是，则计算还款成功的金额和还款失败的金额，并进行记录。
此外，为实现上述目的，本申请还提供一种计算机可读存储介质，所述计算机可读存储介质上存储有数据处理程序，所述数据处理程序可被一个或者多个处理器执行，以实现如上所述的数据处理方法的步骤。
本申请提出的数据处理装置、方法及计算机可读存储介质，当检测到有用户账号的还款期限届至时，获取该用户账号绑定的还款账户信息，计算待还款金额并生成还款账单，根据还款账户信息、还款账单以及与还款账户信息对应的资源系统之间的代收款协议，向资源系统发送代收款请求，若接收到资源系统基于代收款请求返回的余额不足的提示信息，按照待还款金额将当前的还款账单拆分为多个子还款账单，在有子还款账单的还款金额大于或者等于预设阈值时，根据多个子还款金额分别发起代收款请求，逐一发送到资源系统，根据资源系统的反馈结果确定是否继续对子还款金额进行拆分，直至拆分后的子还款金额小于预设阈值，则停止拆分，在拆分后的子还款账 单的还款金额均小于预设阈值时，计算还款成功的金额和还款失败的金额并进行记录，通过这种方式能够最大限度的在用户账号绑定的还款账户剩余金额不足的情况下，实现贷款的有效追缴。
附图说明
图1为本申请数据处理装置较佳实施例的示意图；
图2为本申请数据处理方法第一实施例的流程图。
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本申请提供一种数据处理装置。参照图1所示，为本申请数据处理装置较佳实施例的示意图。
在本实施例中，数据处理装置可以是PC(Personal Computer，个人电脑)，也可以是智能手机、平板电脑、便携计算机等终端设备。该数据处理装置至少包括存储器11、处理器12，通信总线13，以及网络接口14。
其中，存储器11至少包括一种类型的可读存储介质，所述可读存储介质包括闪存、硬盘、多媒体卡、卡型存储器(例如，SD或DX存储器等)、磁性存储器、磁盘、光盘等。存储器11在一些实施例中可以是数据处理装置的内部存储单元，例如该数据处理装置的硬盘。存储器11在另一些实施例中也可以是数据处理装置的外部存储设备，例如数据处理装置上配备的插接式硬盘，智能存储卡(Smart Media Card,SMC)，安全数字(Secure Digital,SD)卡，闪存卡(Flash Card)等。进一步地，存储器11还可以既包括数据处理装置的内部存储单元也包括外部存储设备。存储器11不仅可以用于存储安装于数据处理装置的应用软件及各类数据，例如数据处理程序的代码等，还可以用于暂时地存储已经输出或者将要输出的数据。
处理器12在一些实施例中可以是一中央处理器(Central Processing Unit,CPU)、控制器、微控制器、微处理器或其他数据处理芯片，用于运行存储器 11中存储的程序代码或处理数据，例如执行数据处理程序等。
通信总线13用于实现这些组件之间的连接通信。
网络接口14可选的可以包括标准的有线接口、无线接口(如WI-FI接口)，通常用于在该装置与其他电子设备之间建立通信连接。
图1仅示出了具有组件11-14以及数据处理程序的数据处理装置，但是应理解的是，并不要求实施所有示出的组件，可以替代的实施更多或者更少的组件。
可选地，该装置还可以包括用户接口，用户接口可以包括显示器(Display)、输入单元比如键盘(Keyboard)，可选的用户接口还可以包括标准的有线接口、无线接口。可选地，在一些实施例中，显示器可以是LED显示器、液晶显示器、触控式液晶显示器以及OLED(Organic Light-Emitting Diode，有机发光二极管)触摸器等。其中，显示器也可以适当的称为显示屏或显示单元，用于显示在数据处理装置中处理的信息以及用于显示可视化的用户界面。
在图1所示的装置实施例中，存储器11中存储有数据处理程序；处理器12执行存储器11中存储的数据处理程序时实现如下步骤：
A1、当检测到有用户账号的还款期限届至时，获取该用户账号绑定的还款账户信息，计算待还款金额，并根据所述待还款金额生成还款账单；
A2、根据所述还款账户信息、还款账单，以及与所述还款账户信息对应的资源系统之间的代收款协议，向所述资源系统发送代收款请求；
A3、若接收到所述资源系统基于所述代收款请求返回的余额不足的提示信息，则按照待还款金额将当前的还款账单拆分为多个子还款账单，并判断所述多个子还款账单的还款金额是否均小于预设阈值；
A4、若否，则分别将所述多个子还款账单作为当前的还款账单，依次执行步骤A2；
A5、若是，则计算还款成功的金额和还款失败的金额，并进行记录。
在本实施例中，账户管理系统部署在数据处理装置中，账户管理系统下的用户账号为贷款账号，每一个用户账号都绑定有用于还款的还款账户信息，例如银行卡号，该还款账户信息对应于资源系统，即银行卡对应的银行管理系统。在账户管理系统与资源转移系统之间有经过授权的代收款协议。
账户管理系统定时或者实时地监测系统中的各个用户账号的还款期限， 当监测有用户账号的还款期限届至时，获取该用户账号绑定的还款账户信息，计算待还款金额M，并根据所述待还款金额生成还款账单。基于该用户账号的用户信息、还款账单以及系统之间的还款协议向还款系统发起还款请求。
可选地，作为一种实施方式，计算待还款金额的步骤包括：查询所述用户账号的贷款信息，其中所述贷款信息包括贷款金额、贷款利率和贷款期间；根据查询的所述借款额、贷款利率和贷款期间计算待还款金额。
资源系统在接收到代收款请求时，获取该代收款请求中的还款账户信息和待还款金额，查询该还款账户信息在资源系统中的剩余金额，判断剩余资源是否大于或者等于待还款金额；若是，则直接响应该代收款请求，依据还款协议将待还款金额转移至账户管理系统中的该用户账号，同时向该用户账号绑定的用户终端发送还款成功的提示信息；若剩余资源小于待还款金额，则向账户管理系统发送余额不足的提示信息。
账户管理系统在接收到资源系统发送的余额不足的提示信息时，按照待还款金额将还款账单拆分为多个子还款账单，即将还款账单的待还款金额M分为N份，每一份对应一个子还款账单，其中N≥2，需要说明的是，拆分的方法可以是随机的将待还款金额分为和为M的N份子还款金额，即每一份子还款金额的额度随机，只要N份子还款金额之和等于M即可。或者，在其他实施例中，将待还款金额M平均地分为N份，其中N≥2，得到每一份额度为M/N的N个子还款金额，当有小数位时，进行四舍五入处理转换为整数。
以将待还款金额M平均地拆分为N份为例，在将还款账单拆分完成后，每一个子还款账单的还款金额为M/N，从第一份子还款账单开始，分别将多个子还款账单作为当前的还款账单，基于当前的子还款账单依次执行步骤A2，即从第1份子子还款账单开始，依次基于第n份子子还款账单向资源系统发送第n个第一代收款请求，1≤n≤N，若接收到资源系统基于本次请求发送的余额不足的提示信息，则说明还款账户信息的当前余额小于该请求对应的子还款账单的还款金额，则暂停发送代收款请求，对该提示信息对应的子还款账单进行继续拆分，此处可以按照与上一次拆分方式相同的方式，拆分得到多个子子还款账单，即将子还款账单的还款金额M/N拆分为N份，得到每一还款金额为M/N 2的多个子还款账单，并按照与上述过程相同的过程逐一向还款系统发起代收款请求，直至接收到资源系统发送的余额不足的提示信息。 按照上述过程循环往复，对接收到余额不足的提示信息的子还款金额进行再次拆分，直至拆分X次后得到的子还款金额M/N X小于预设阈值，则停止拆分，计算还款成功的金额和还款失败的金额，并进行记录，进一步地将还款成功的金额和还款失败的金额的信息发送至该用户账号绑定的用户终端。
可以理解的是，当接收到资源系统基于代收款请求发起的还款时，说明还款账户信息的当前余额大于或者等于本次请求对应的还款金额，则记录本次还款情况。
此外，在上述过程中，在每一次对当前的待还款金额拆分后，需要判断拆分后得到的多个子还款金额中是否有子还款金额大于或者等于预设阈值，若是，则发送代收款请求，若果拆分后得到的多个子还款金额均小于预设阈值，则完成收款，计算还款成功的金额和还款失败的金额，并进行记录。
以下为了便于理解，列举一实际应用场景来对本实施例的方案进行说明。在该应用场景中将还款账单平均地拆分为两份子还款账单。一用户的待还款金额为10万，假设此时该用户账户下绑定的用于还款的银行卡账号余额为8万，设置预设阈值为2000。如果直接向该银行卡对应的银行发起10万的代收款请求，会收款失败。按照本实施例的方案，将还款金额为10万的还款账单拆分为两个5万的子还款账单，先基于第一个5万向银行系统发起代收款请求，此时，由于银行卡账号余额为8万，银行系统会发起5的还款，即第一笔代收款成功，接着，基于第二个5万向银行系统发起代收款请求，由于此时银行卡账号还款后余额为3万，第二笔5万的代收款失败，则继续对该笔5万的进行二分拆单，拆为两个25000的子待还款金额，第一笔收款成功，第二笔收款失败，银行卡剩余5000的余额；则继续将25000进行二分拆单，拆为两个12500的子待还款金额，第一笔收款失败；则继续将12500进行二分拆单，拆为两个6250的子待还款金额，第一笔收款失败；则继续将6250进行二分拆单，拆为两个3125的子待还款金额，第一笔收款成功，第二笔收款失败，银行卡剩余1875的余额；则继续将3125进行二分拆单，拆为两个1563(拆分后有小数点，进行了四舍五入)的子待还款金额，此时，拆分后的子待还款金额小于预设阈值2000，则不再继续收款和拆分的操作，收款终止。该用户最终成功还款78125，达到了尽可能多的还款的目的。
可以理解的是，上述实际应用场景中的预设阈值3000仅为举例说明，在 实际应用中，用户可以根据需要设置预设阈值，例如，将预设阈值设置为待还款金额的十分之一或者百分之一。
此外，如果还款账户信息对应的余额充足，足以一次性偿还贷款，则资源系统在第一次接受到代收款请求时，即可直接向账户管理系统发起还款，也就是说，若账户管理系统若接收到所述资源系统基于代收款请求发起的还款、且还款金额等于所述用户账户应还款总额，则将所述用户账号的状态更新为还款完成。
本实施例提出的数据处理装置，当检测到有用户账号的还款期限届至时，获取该用户账号绑定的还款账户信息，计算待还款金额并生成还款账单，根据还款账户信息、还款账单以及与还款账户信息对应的资源系统之间的代收款协议，向资源系统发送代收款请求，若接收到资源系统基于代收款请求返回的余额不足的提示信息，按照待还款金额将当前的还款账单拆分为多个子还款账单，在有子还款账单的还款金额大于或者等于预设阈值时，根据多个子还款金额分别发起代收款请求，逐一发送到资源系统，根据资源系统的反馈结果确定是否继续对子还款金额进行拆分，直至拆分后的子还款金额小于预设阈值，则停止拆分，在拆分后的子还款账单的还款金额均小于预设阈值时，计算还款成功的金额和还款失败的金额并进行记录，通过这种方式能够最大限度的在用户账号绑定的还款账户剩余金额不足的情况下，实现贷款的有效追缴。
基于第一实施例提出本申请数据处理装置的第二实施例。在本实施例中，数据处理程序还可被处理器12执行，以在步骤A1与步骤A2之间，还实现如下步骤：
获取所述还款账户信息对应的单次可转移资源额度；
若所述待还款金额小于或者等于所述单次可转移资源额度，则执行步骤A2；
若所述待还款金额大于所述单次可转移资源额度，则将所述还款账单拆分为多个等于或者小于所述单次可转移资源额度的子还款账单，并执行步骤A4。
在本实施例提出的方案中，在第一次发起代收款请求之前，考虑还款账 户信息设置的单次可转移资源额度，如果待还款金额大于单次可转移资源额度，则将还款账单拆分为多个还款金额等于或者小于单次可转移资源额度的子还款账单，依次发送代收款请求，例如，用户的待还款金额为20万，还款账户信息对应的余额为18万，单次可转移资源额度为5万，则将20万拆分为5万，5万，5万，5万。前三笔5万代收款成功，第四笔代收款失败，则继续按照上述第一实施例中的方法对该5万的子还款账单进行循环往复地拆分，直至拆分后的还款金额小于预设阈值。该过程在此不再赘述。其中，单次可转移资源额度可以通过向资源系统发起查询请求来获取。
可选地，在其他实施例中，在第一次发起代收款请求之前，考虑还款账户信息设置的单日可转移资源额度，具体地，数据处理程序还可被处理器12执行，以在步骤A1与步骤A2之间，还实现如下步骤：
获取所述还款账户信息对应的单日可转移资源额度；若计算得到的待还款金额小于或者等于所述单日可转移资源额度，则执行步骤A2；若计算得到的待还款金额大于所述单日可转移资源额度，则将所述还款账单拆分为多个还款金额等于或者小于所述单日可转移资源额度的子还款账单；当前只对拆分得到的第一个子还款账单进行代收款，并记录剩余的还款金额，在第二天对第二个子还款账单进行代收款，以此类推，直至完成对所有子还款账单的代收款，其中，对每一个子还款金额的代收款同样按照上述第一实施例中的方式进行代收。
此外，本申请还提供一种数据处理方法。参照图2所示，为本申请数据处理方法第一实施例的流程图。该方法可以由一个装置执行，该装置可以由软件和/或硬件实现。
在本实施例中，数据处理方法包括：
步骤S10、当检测到有用户账号的还款期限届至时，获取该用户账号绑定的还款账户信息，计算待还款金额，并根据所述待还款金额生成还款账单；
步骤S20、根据所述还款账户信息、还款账单，以及与所述还款账户信息对应的资源系统之间的代收款协议，向所述资源系统发送代收款请求；
步骤S30、若接收到所述资源系统基于所述代收款请求返回的余额不足的提示信息，则按照待还款金额将当前的还款账单拆分为多个子还款账单，并 判断所述多个子还款账单的还款金额是否均小于预设阈值；
步骤S40、若否，则分别将所述多个子还款账单作为当前的还款账单，并依次执行步骤S20；
步骤S50、若是，则计算还款成功的金额和还款失败的金额，并进行记录。
以下内容中，以数据处理装置作为执行主体对发明的方法实施例进行说明。账户管理系统部署在数据处理装置中，账户管理系统下的用户账号为贷款账号，每一个用户账号都绑定有用于还款的还款账户信息，例如银行卡号，该还款账户信息对应于资源系统，即银行卡对应的银行管理系统。在账户管理系统与资源转移系统之间有经过授权的代收款协议。
账户管理系统定时或者实时地监测系统中的各个用户账号的还款期限，当监测有用户账号的还款期限届至时，获取该用户账号绑定的还款账户信息，计算待还款金额M，并根据所述待还款金额生成还款账单。基于该用户账号的用户信息、还款账单以及系统之间的还款协议向还款系统发起还款请求。
可选地，作为一种实施方式，计算待还款金额的步骤包括：查询所述用户账号的贷款信息，其中所述贷款信息包括贷款金额、贷款利率和贷款期间；根据查询的所述借款额、贷款利率和贷款期间计算待还款金额。
资源系统在接收到代收款请求时，获取该代收款请求中的还款账户信息和待还款金额，查询该还款账户信息在资源系统中的剩余金额，判断剩余资源是否大于或者等于待还款金额；若是，则直接响应该代收款请求，依据还款协议将待还款金额转移至账户管理系统中的该用户账号，同时向该用户账号绑定的用户终端发送还款成功的提示信息；若剩余资源小于待还款金额，则向账户管理系统发送余额不足的提示信息。
账户管理系统在接收到资源系统发送的余额不足的提示信息时，按照待还款金额将还款账单拆分为多个子还款账单，即将还款账单的待还款金额M分为N份，每一份对应一个子还款账单，其中N≥2，需要说明的是，拆分的方法可以是随机的将待还款金额分为和为M的N份子还款金额，即每一份子还款金额的额度随机，只要N份子还款金额之和等于M即可。或者，在其他实施例中，将待还款金额M平均地分为N份，其中N≥2，得到每一份额度为M/N的N个子还款金额，当有小数位时，进行四舍五入处理转换为整数。
以将待还款金额M平均地拆分为N份为例，在将还款账单拆分完成后， 每一个子还款账单的还款金额为M/N，从第一份子还款账单开始，分别将多个子还款账单作为当前的还款账单，基于当前的子还款账单依次执行步骤A2，即从第1份子子还款账单开始，依次基于第n份子子还款账单向资源系统发送第n个第一代收款请求，1≤n≤N，若接收到资源系统基于本次请求发送的余额不足的提示信息，则说明还款账户信息的当前余额小于该请求对应的子还款账单的还款金额，则暂停发送代收款请求，对该提示信息对应的子还款账单进行继续拆分，此处可以按照与上一次拆分方式相同的方式，拆分得到多个子子还款账单，即将子还款账单的还款金额M/N拆分为N份，得到每一还款金额为M/N 2的多个子还款账单，并按照与上述过程相同的过程逐一向还款系统发起代收款请求，直至接收到资源系统发送的余额不足的提示信息。按照上述过程循环往复，对接收到余额不足的提示信息的子还款金额进行再次拆分，直至拆分X次后得到的子还款金额M/N X小于预设阈值，则停止拆分，计算还款成功的金额和还款失败的金额，并进行记录，进一步地将还款成功的金额和还款失败的金额的信息发送至该用户账号绑定的用户终端。
可以理解的是，当接收到资源系统基于代收款请求发起的还款时，说明还款账户信息的当前余额大于或者等于本次请求对应的还款金额，则记录本次还款情况。
此外，在上述过程中，在每一次对当前的待还款金额拆分后，需要判断拆分后得到的多个子还款金额中是否有子还款金额大于或者等于预设阈值，若是，则发送代收款请求，若果拆分后得到的多个子还款金额均小于预设阈值，则完成收款，计算还款成功的金额和还款失败的金额，并进行记录。
以下为了便于理解，列举一实际应用场景来对本实施例的方案进行说明。在该应用场景中将还款账单平均地拆分为两份子还款账单。一用户的待还款金额为10万，假设此时该用户账户下绑定的用于还款的银行卡账号余额为8万，设置预设阈值为2000。如果直接向该银行卡对应的银行发起10万的代收款请求，会收款失败。按照本实施例的方案，将还款金额为10万的还款账单拆分为两个5万的子还款账单，先基于第一个5万向银行系统发起代收款请求，此时，由于银行卡账号余额为8万，银行系统会发起5的还款，即第一笔代收款成功，接着，基于第二个5万向银行系统发起代收款请求，由于此时银行卡账号还款后余额为3万，第二笔5万的代收款失败，则继续对该笔5 万的进行二分拆单，拆为两个25000的子待还款金额，第一笔收款成功，第二笔收款失败，银行卡剩余5000的余额；则继续将25000进行二分拆单，拆为两个12500的子待还款金额，第一笔收款失败；则继续将12500进行二分拆单，拆为两个6250的子待还款金额，第一笔收款失败；则继续将6250进行二分拆单，拆为两个3125的子待还款金额，第一笔收款成功，第二笔收款失败，银行卡剩余1875的余额；则继续将3125进行二分拆单，拆为两个1563(拆分后有小数点，进行了四舍五入)的子待还款金额，此时，拆分后的子待还款金额小于预设阈值2000，则不再继续收款和拆分的操作，收款终止。该用户最终成功还款78125，达到了尽可能多的还款的目的。
可以理解的是，上述实际应用场景中的预设阈值3000仅为举例说明，在实际应用中，用户可以根据需要设置预设阈值，例如，将预设阈值设置为待还款金额的十分之一或者百分之一。
此外，如果还款账户信息对应的余额充足，足以一次性偿还贷款，则资源系统在第一次接受到代收款请求时，即可直接向账户管理系统发起还款，也就是说，若账户管理系统若接收到所述资源系统基于代收款请求发起的还款、且还款金额等于所述用户账户应还款总额，则将所述用户账号的状态更新为还款完成。
本实施例提出的数据处理方法，当检测到有用户账号的还款期限届至时，获取该用户账号绑定的还款账户信息，计算待还款金额并生成还款账单，根据还款账户信息、还款账单以及与还款账户信息对应的资源系统之间的代收款协议，向资源系统发送代收款请求，若接收到资源系统基于代收款请求返回的余额不足的提示信息，按照待还款金额将当前的还款账单拆分为多个子还款账单，在有子还款账单的还款金额大于或者等于预设阈值时，根据多个子还款金额分别发起代收款请求，逐一发送到资源系统，根据资源系统的反馈结果确定是否继续对子还款金额进行拆分，直至拆分后的子还款金额小于预设阈值，则停止拆分，在拆分后的子还款账单的还款金额均小于预设阈值时，计算还款成功的金额和还款失败的金额并进行记录，通过这种方式能够最大限度的在用户账号绑定的还款账户剩余金额不足的情况下，实现贷款的有效追缴。
基于第一实施例提出本申请数据处理方法的第二实施例。在本实施例中，在步骤S10与步骤S20之间，该方法还包括如下步骤：
获取所述还款账户信息对应的单次可转移资源额度；
若所述待还款金额小于或者等于所述单次可转移资源额度，则执行步骤S20；
若所述待还款金额大于所述单次可转移资源额度，则将所述还款账单拆分为多个等于或者小于所述单次可转移资源额度的子还款账单，并执行步骤S40。
在本实施例提出的方案中，在第一次发起代收款请求之前，考虑还款账户信息设置的单次可转移资源额度，如果待还款金额大于单次可转移资源额度，则将还款账单拆分为多个还款金额等于或者小于单次可转移资源额度的子还款账单，依次发送代收款请求，例如，用户的待还款金额为20万，还款账户信息对应的余额为18万，单次可转移资源额度为5万，则将20万拆分为5万，5万，5万，5万。前三笔5万代收款成功，第四笔代收款失败，则继续按照上述第一实施例中的方法对该5万的子还款账单进行循环往复地拆分，直至拆分后的还款金额小于预设阈值。该过程在此不再赘述。其中，单次可转移资源额度可以通过向资源系统发起查询请求来获取。
可选地，在其他实施例中，在第一次发起代收款请求之前，考虑还款账户信息设置的单日可转移资源额度，具体地，数据处理程序还可被处理器12执行，以在步骤S10与步骤S20之间，还实现如下步骤：
获取所述还款账户信息对应的单日可转移资源额度；若计算得到的待还款金额小于或者等于所述单日可转移资源额度，则执行步骤S20；若计算得到的待还款金额大于所述单日可转移资源额度，则将所述还款账单拆分为多个还款金额等于或者小于所述单日可转移资源额度的子还款账单；当前只对拆分得到的第一个子还款账单进行代收款，并记录剩余的还款金额，在第二天对第二个子还款账单进行代收款，以此类推，直至完成对所有子还款账单的代收款，其中，对每一个子还款金额的代收款同样按照上述第一实施例中的方式进行代收。
此外，本申请实施例还提出一种计算机可读存储介质，所述计算机可读 存储介质上存储有数据处理程序，所述数据处理程序可被一个或多个处理器执行，以实现如下操作：
B1、当检测到有用户账号的还款期限届至时，获取该用户账号绑定的还款账户信息，计算待还款金额，并根据所述待还款金额生成还款账单；
B2、根据所述还款账户信息、还款账单，以及与所述还款账户信息对应的资源系统之间的代收款协议，向所述资源系统发送代收款请求；
B3、若接收到所述资源系统基于所述代收款请求返回的余额不足的提示信息，则按照待还款金额将当前的还款账单拆分为多个子还款账单，并判断所述多个子还款账单的还款金额是否均小于预设阈值；
B4、若否，则分别将所述多个子还款账单作为当前的还款账单，并依次执行步骤B2；
B5、若是，则计算还款成功的金额和还款失败的金额，并进行记录。
本申请计算机可读存储介质具体实施方式与上述数据处理装置和方法各实施例基本相同，在此不作累述。
需要说明的是，上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。并且本文中的术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、装置、物品或者方法不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、装置、物品或者方法所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、装置、物品或者方法中还存在另外的相同要素。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在如上所述的一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，服务器，或者网络设备等)执行本申请各个实施例所述的方法。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间 接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (20)

  1. 一种数据处理装置，其特征在于，所述装置包括存储器和处理器，所述存储器上存储有可在所述处理器上运行的数据处理程序，所述数据处理程序被所述处理器执行时实现如下步骤：
    A1、当检测到有用户账号的还款期限届至时，获取该用户账号绑定的还款账户信息，计算待还款金额，并根据所述待还款金额生成还款账单；
    A2、根据所述还款账户信息、还款账单，以及与所述还款账户信息对应的资源系统之间的代收款协议，向所述资源系统发送代收款请求；
    A3、若接收到所述资源系统基于所述代收款请求返回的余额不足的提示信息，则按照待还款金额将当前的还款账单拆分为多个子还款账单，并判断所述多个子还款账单的还款金额是否均小于预设阈值；
    A4、若否，则分别将所述多个子还款账单作为当前的还款账单，依次执行步骤A2；
    A5、若是，则计算还款成功的金额和还款失败的金额，并进行记录。
  2. 如权利要求1所述的数据处理装置，其特征在于，所述按照待还款金额将当前的还款账单拆分为多个子还款账单的步骤包括：
    按照待还款金额将当前的还款账单平均地拆分为多个子还款账单。
  3. 如权利要求1所述的数据处理装置，其特征在于，所述数据处理程序还可被所述处理器执行，以在所述步骤A2之后，还实现如下步骤：
    若接收到所述资源系统基于代收款请求发起的还款、且还款金额等于所述用户账户应还款总额，则将所述用户账号的状态更新为还款完成。
  4. 如权利要求2所述的数据处理装置，其特征在于，所述数据处理程序还可被所述处理器执行，以在所述步骤A2之后，还实现如下步骤：
    若接收到所述资源系统基于代收款请求发起的还款、且还款金额等于所述用户账户应还款总额，则将所述用户账号的状态更新为还款完成。
  5. 如权利要求1所述的数据处理装置，其特征在于，所述数据处理程序还可被所述处理器执行，以在所述步骤A1与所述步骤A2之间，还实现如下步骤：
    获取所述还款账户信息对应的单次可转移资源额度；
    若所述待还款金额小于或者等于所述单次可转移资源额度，则执行步骤 A2；
    若所述待还款金额大于所述单次可转移资源额度，则将所述还款账单拆分为多个等于或者小于所述单次可转移资源额度的子还款账单，并执行步骤A4。
  6. 如权利要求2所述的数据处理装置，其特征在于，所述数据处理程序还可被所述处理器执行，以在所述步骤A1与所述步骤A2之间，还实现如下步骤：
    获取所述还款账户信息对应的单次可转移资源额度；
    若所述待还款金额小于或者等于所述单次可转移资源额度，则执行步骤A2；
    若所述待还款金额大于所述单次可转移资源额度，则将所述还款账单拆分为多个等于或者小于所述单次可转移资源额度的子还款账单，并执行步骤
    A4。
  7. 如权利要求6所述的数据处理装置，其特征在于，所述计算待还款金额的步骤包括：
    查询所述用户账号的贷款信息，其中所述贷款信息包括贷款金额、贷款利率和贷款期间；
    根据查询的所述借款额、贷款利率和贷款期间计算待还款金额。
  8. 一种数据处理方法，其特征在于，所述方法包括：
    B1、当检测到有用户账号的还款期限届至时，获取该用户账号绑定的还款账户信息，计算待还款金额，并根据所述待还款金额生成还款账单；
    B2、根据所述还款账户信息、还款账单，以及与所述还款账户信息对应的资源系统之间的代收款协议，向所述资源系统发送代收款请求；
    B3、若接收到所述资源系统基于所述代收款请求返回的余额不足的提示信息，则按照待还款金额将当前的还款账单拆分为多个子还款账单，并判断所述多个子还款账单的还款金额是否均小于预设阈值；
    B4、若否，则分别将所述多个子还款账单作为当前的还款账单，并依次执行步骤B2；
    B5、若是，则计算还款成功的金额和还款失败的金额，并进行记录。
  9. 如权利要求8所述的数据处理方法，其特征在于，所述按照待还款金 额将当前的还款账单拆分为多个子还款账单的步骤包括：
    按照待还款金额将当前的还款账单平均地拆分为多个子还款账单。
  10. 如权利要求8所述的数据处理方法，其特征在于，所述步骤B2之后，所述方法还包括如下步骤：
    若接收到所述资源系统基于代收款请求发起的还款、且还款金额等于所述用户账户应还款总额，则将所述用户账号的状态更新为还款完成。
  11. 如权利要求9所述的数据处理方法，其特征在于，所述步骤B2之后，所述方法还包括如下步骤：
    若接收到所述资源系统基于代收款请求发起的还款、且还款金额等于所述用户账户应还款总额，则将所述用户账号的状态更新为还款完成。
  12. 如权利要求8所述的数据处理方法，其特征在于，所述步骤B1与所述步骤B2之间，所述方法还包括：
    获取所述还款账户信息对应的单次可转移资源额度；
    若所述待还款金额小于或者等于所述单次可转移资源额度，则执行步骤B2；
    若所述待还款金额大于所述单次可转移资源额度，则将所述还款账单拆分为多个等于或者小于所述单次可转移资源额度的子还款账单，并执行步骤B4。
  13. 如权利要求9所述的数据处理方法，其特征在于，所述步骤B1与所述步骤B2之间，所述方法还包括：
    获取所述还款账户信息对应的单次可转移资源额度；
    若所述待还款金额小于或者等于所述单次可转移资源额度，则执行步骤B2；
    若所述待还款金额大于所述单次可转移资源额度，则将所述还款账单拆分为多个等于或者小于所述单次可转移资源额度的子还款账单，并执行步骤B4。
  14. 如权利要求13所述的数据处理方法，其特征在于，所述计算待还款金额的步骤包括：
    查询所述用户账号的贷款信息，其中所述贷款信息包括贷款金额、贷款利率和贷款期间；
    根据查询的所述借款额、贷款利率和贷款期间计算待还款金额。
  15. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有数据处理程序，所述数据处理程序可被一个或者多个处理器执行，以实现如下步骤：
    A1、当检测到有用户账号的还款期限届至时，获取该用户账号绑定的还款账户信息，计算待还款金额，并根据所述待还款金额生成还款账单；
    A2、根据所述还款账户信息、还款账单，以及与所述还款账户信息对应的资源系统之间的代收款协议，向所述资源系统发送代收款请求；
    A3、若接收到所述资源系统基于所述代收款请求返回的余额不足的提示信息，则按照待还款金额将当前的还款账单拆分为多个子还款账单，并判断所述多个子还款账单的还款金额是否均小于预设阈值；
    A4、若否，则分别将所述多个子还款账单作为当前的还款账单，依次执行步骤A2；
    A5、若是，则计算还款成功的金额和还款失败的金额，并进行记录。
  16. 如权利要求15所述的计算机可读存储介质，其特征在于，所述按照待还款金额将当前的还款账单拆分为多个子还款账单的步骤包括：
    按照待还款金额将当前的还款账单平均地拆分为多个子还款账单。
  17. 如权利要求15所述的计算机可读存储介质，其特征在于，所述数据处理程序还可被所述处理器执行，以在所述步骤A2之后，还实现如下步骤：
    若接收到所述资源系统基于代收款请求发起的还款、且还款金额等于所述用户账户应还款总额，则将所述用户账号的状态更新为还款完成。
  18. 如权利要求16所述的计算机可读存储介质，其特征在于，所述数据处理程序还可被所述处理器执行，以在所述步骤A2之后，还实现如下步骤：
    若接收到所述资源系统基于代收款请求发起的还款、且还款金额等于所述用户账户应还款总额，则将所述用户账号的状态更新为还款完成。
  19. 如权利要求15所述的计算机可读存储介质，其特征在于，所述数据处理程序还可被所述处理器执行，以在所述步骤A1与所述步骤A2之间，还实现如下步骤：
    获取所述还款账户信息对应的单次可转移资源额度；
    若所述待还款金额小于或者等于所述单次可转移资源额度，则执行步骤 A2；
    若所述待还款金额大于所述单次可转移资源额度，则将所述还款账单拆分为多个等于或者小于所述单次可转移资源额度的子还款账单，并执行步骤A4。
  20. 如权利要求16所述的计算机可读存储介质，其特征在于，所述数据处理程序还可被所述处理器执行，以在所述步骤A1与所述步骤A2之间，还实现如下步骤：
    获取所述还款账户信息对应的单次可转移资源额度；
    若所述待还款金额小于或者等于所述单次可转移资源额度，则执行步骤A2；
    若所述待还款金额大于所述单次可转移资源额度，则将所述还款账单拆分为多个等于或者小于所述单次可转移资源额度的子还款账单，并执行步骤A4。
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