WO2019205218A1

WO2019205218A1 - Automatic loan repayment method, system and device and storage medium

Info

Publication number: WO2019205218A1
Application number: PCT/CN2018/088486
Authority: WO
Inventors: 何钦亚; 吴焕明; 李发源
Original assignee: 卫盈联信息技术（深圳）有限公司
Priority date: 2018-04-26
Filing date: 2018-05-25
Publication date: 2019-10-31
Also published as: CN108765128A

Abstract

The present application provides an automatic loan repayment method, system and device and a computer readable storage medium. The method comprises the following steps: receiving a user message sent from a client side; obtaining preset key information in the user message by using a regular expression; determining, according to the preset key information, whether an automatic loan repayment for a client-side user needs to be performed; and if it is determined that automatic loan repayment for the client-side user needs to be performed, carrying out, by calling a corresponding bank interface, automatic loan repayment for the client-side user in accordance with a preset deduction rule on the basis of the preset key information. The user message such as a bank deposit message can be utilized to automatically trigger automatic loan repayment, that is, real-time deduction can be automatically performed when a user receives the deposit message, thereby avoiding an overdue situation caused by the user forgetting to pre-deposit in advance and thus the user experience is improved.

Description

Loan automatic repayment method, system, device and storage medium

Priority claim

This application is based on the priority of the Paris Convention, which is entitled to the Chinese Patent Application No. CN201810382290.9, entitled "Automatic Repayment Method, System, Equipment and Storage Media", filed on April 26, 2018. The entire content is incorporated herein by reference.

Technical field

The present application relates to the field of Internet finance technologies, and in particular, to a loan automatic repayment method, system, device and storage medium.

Background technique

With the continuous development of the mobile Internet, Internet lending products have risen rapidly in recent years. More and more people are starting to apply for loans directly through the Internet, filling out application materials directly through mobile phones, and completing loan applications without leaving home. Various steps. Online lending companies can complete approvals through new technologies in a short period of time and directly lend them to user accounts. The existing online loan repayment method usually uses bank card deduction. Before the repayment date, the user pre-stores a sufficient amount in advance, and the system prompts the system to issue a withholding instruction at the specified time on the repayment date, and deducts the corresponding amount from the user bank card. Compared with the relatively convenient loan lending, the existing online loan repayment method will encounter the following problems:

Users often forget to pre-store in advance. When the automatic deduction of deductions fails, it is necessary to notify users through various channels to increase operating costs. Moreover, even if the user is successfully notified and the deposit is made in time, it may be overdue due to the missed opportunity of automatic deduction, which will bring economic and credit losses to the user.

Summary of the invention

The purpose of the present application is to provide a method, system, device and storage medium for automatic loan repayment, which is intended to automatically perform real-time deduction when a user receives a short message, so as to avoid an overdue situation caused by the user forgetting to pre-store in advance.

To achieve the above objective, the first aspect of the present application provides a method for automatic loan repayment, which is applied to a client, and the method includes:

The configuration information is obtained from the server by using a preset software development kit, where the configuration information is configured to configure the user to configure the short message to monitor the configuration information of the user;

And analyzing, according to the configuration information, whether the client user needs to perform short message monitoring;

If the client user needs to perform SMS monitoring, the user SMS is monitored by a preset software development kit;

If the monitoring obtains the short message of the user, the obtained short message of the user is sent to the server, so that the server automatically repays the loan to the client user based on the short message of the user.

The second aspect of the present application further provides another automatic loan repayment method, which is applied to a server, and the method includes:

Receiving a user message sent by the client;

Using a regular expression to obtain preset key information in the user's short message;

Determining whether the client user needs to automatically repay the loan according to the preset key information;

If the client needs to perform automatic loan repayment on the client user, the client user is automatically repaid according to the preset debit payment rule based on the preset key information and the corresponding bank interface.

The third aspect of the present application provides an automatic loan repayment system, including a server and at least one client, where the client includes:

The configuration obtaining module is configured to obtain configuration information from the server by using a preset software development kit, where the configuration information is configured to perform configuration of the short message monitoring user;

An analysis module: configured to analyze, according to the configuration information, whether a client user needs to perform short message monitoring;

The short message monitoring module is configured to: if the client user needs to perform short message monitoring, monitor the user short message by using a preset software development kit;

The short message sending module is configured to: if the monitoring obtains the short message of the user, send the obtained short message of the user to the server, so that the server automatically repays the loan to the client user based on the short message of the user;

The server includes:

The data collection module is configured to receive a user short message sent by the client, and obtain a preset key information in the user short message by using a regular expression;

a data processing module: configured to analyze, according to the preset key information, whether a loan repayment is required for a client user;

The financial docking module is configured to: if the client needs to perform automatic loan repayment on the client user, and then, according to the preset key information, invoke a corresponding bank interface, and perform the loan to the client user according to a preset deduction rule. autopay.

The fourth aspect of the present application provides a client device, where the client device stores a loan automatic repayment client program, and the client device implements the following steps when executing the loan automatic repayment client program:

Correspondingly, the fifth aspect of the present application further provides a server, where the server automatically stores a loan automatic repayment server program, and the server implements the step of the automatic loan repayment method as described above when executing the loan automatic repayment server program. .

A sixth aspect of the present application provides a computer readable storage medium, including a loan automatic repayment client program, where the loan automatic repayment client program is executed as follows:

The seventh aspect of the present application further provides another computer readable storage medium, comprising: a loan automatic repayment server program, when the loan automatic repayment server program is executed, realizing the automatic loan repayment as described above The steps of the method.

The automatic loan repayment method, system, device and storage medium provided by the application, after receiving the short message by the client user who needs to perform short message monitoring, send the user short message to the server, and the server uses the regular expression to obtain the short message in the user The key information is preset; when the loan is automatically repaid to the client user according to the preset key information analysis, the corresponding bank interface is invoked to automatically repay the loan to the client user. Since the user can automatically trigger the automatic repayment of the loan by using the user's short message, such as bank crediting, the user automatically debits the real-time deduction when the user receives the credited message, thereby avoiding the overdue situation caused by the user forgetting to pre-store in advance, thereby improving the user experience.

DRAWINGS

1 is a system architecture diagram of a preferred embodiment of a loan automatic repayment system of the present application;

2 is a program module diagram of a preferred embodiment of a loan automatic repayment client program of the present application;

3 is a program module diagram of a preferred embodiment of a loan automatic repayment server program of the present application;

4 is a flow chart of a first preferred embodiment of the automatic loan repayment method of the present application;

FIG. 5 is a flow chart of a second preferred embodiment of the automatic loan repayment method of the present application.

The implementation, functional features and advantages of the present application will be further described with reference to the accompanying drawings.

detailed description

In order to make the objects, technical solutions, and advantages of the present application more comprehensible, the present application will be further described in detail in conjunction with the accompanying drawings. It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present application without departing from the inventive scope are the scope of the present application.

Referring to FIG. 1, a system architecture diagram of a preferred embodiment of the loan automatic repayment system of the present application is shown. In this embodiment, the automatic loan repayment system includes a server 2 and at least one client 1, wherein the client 1 can be a storage device and a computing device, such as a smart phone, a tablet computer, a portable computer, a desktop computer, and the like. The terminal device, the server 2 is a cloud server, and the two are connected through a network.

The client 1 mainly includes a configuration acquisition module 110, an analysis module 120, a short message monitoring module 130, and a short message sending module 140. The server 2 mainly includes a data collecting module 210, a data processing module 220, and a financial docking module 230. A module as referred to in this application refers to a series of computer program instructions that are capable of performing a particular function.

Figure 1 shows only some of the modules and components of the loan automatic repayment system of the present application, but it should be understood that not all illustrated modules or components are required to be implemented, and more or fewer modules or components may be implemented instead. , will not repeat them here. The following is a detailed description of the function of each module:

The data collection module 210 in the server 2 is configured to configure whether the user needs to perform short message monitoring. For example, it is possible to configure whether or not to monitor SMS according to the loan repayment situation of different users. If all the loans of the user have been paid off, the SMS will not be monitored after the configuration; if the user still has the loan, the SMS monitoring will be configured. Further, if the user's monthly loan has been paid off but there is still a loan to be paid in the next month, then the configuration will not be monitored for SMS in the current month, and the SMS will be automatically turned on next month; if the user's monthly loan has not been paid off, Then configure SMS monitoring for it.

The configuration obtaining module 110 in the client 1 is configured to acquire configuration information about the short message monitoring by the data collecting module 210 in the server 2. For example, after the user installs the corresponding client App in the mobile terminal, the software development kit SDK pre-integrated in the client App periodically acquires the configuration information from the data collection module 210 of the server.

The analysis module 120 in the client 1 is configured to analyze whether the client user needs to perform short message monitoring according to the obtained configuration information, and if necessary, use the short message monitoring module 130 to start short message monitoring through the software development kit SDK; otherwise, SMS monitoring is not turned on.

The short message sending module 140 in the client 1 is configured to monitor the short message of the user on the client after the short message monitoring is started, obtain the short message data of the user on the client in real time, and send the short message data of the user on the obtained mobile terminal. To the data collection module 210 of the server 2.

The data collection module 210 in the server 2 is further configured to receive a short message sent by the client 1 and use the regular expression to determine and parse the short message of the user. Among them, regular expressions, also known as regular expressions. (English: Regular Expression, often abbreviated as regex, regexp, or RE in code), is often used to retrieve and replace text that conforms to a pattern (rule). A regular expression is a logical formula for string operations. It uses a combination of specific characters defined in advance and combinations of these specific characters to form a "rule string". This "rule string" is used to express the pair of characters. A filtering logic for strings. Given a regular expression and another string, you can achieve the following goals: 1. Whether the given string conforms to the regular expression's filtering logic (called "match"): 2. Can pass regular expressions, Get the specific part you want from the string.

Specifically, the data collection module 210 first matches the user short message by using a preset first regular expression, and analyzes whether the user short message is a preset credit message according to the matching result. For example, using the regular expression "revenue|deposit| deposit|cash|transfer|transfer|account|account|receipt|receipt|refundable|refundable|cash out|delivery" to the received customer The user's short message of the terminal 1 is matched and judged. If it matches, it is judged that the received user short message is the credited message, and the next step is continued. Otherwise, the process ends.

Further, after determining that the received user short message is a crediting message, the data collecting module 210 may further preprocess the user short message. For example, the user's short message is denoised, the emoticon and some special characters are removed, so as to facilitate accurate analysis of the subsequent short message content of the user.

Further, after determining that the received user short message is a crediting message, the data collecting module 210 further uses the preset second regular expression to parse the preset key information in the user short message. For example, the corresponding preset expression can be used to analyze specific key content in the user's short message such as bank card type, bank name, bank card number, account amount, balance, etc. Specifically, for the bank card type, Use the regular expression "debit card | savings card | credit card" to make judgments. For the bank name, you can use the regular expression "(?<=(\\[|[))([\u4E00-\u9FA5]+)(?=(\\]|)))"). For the bank card tail number, you can use the regular expression "(? <= tail number | mantissa | tail number is | tail number: | tail number: | last 4 bits | | last four | card | card number | card number is | account | Account \\*|(\\(|\\()\\*{0,2}|\\*{1,2})(\\d{3,4})|(\\d{3 , 4} (?= account))" is calculated. For the amount of the account, you can use the regular expression "(? <= Amount | Amount | Amount: | RMB | RMB | ¥ | \\) |) | Fees|Revenue|Save in|Expenditure|Consumption|Accounts|Cash out|Withdrawal|Deposit|Transfer|Transfer|Withdrawal|Payment|Current support:)(([-+]?)(\\d{1, 3},){0,2}\\d+(\\.\\d{1,2})?)" is calculated. For the balance, you can use the regular expression "(?<= balance | balance | balance ren | balance is renminbi | balance is RMB | balance: | balance: | remaining amount renminbi) ((-?) (\\d{1 ,3},){0,2}\\d+(\\.\\d{1,2})?)" is calculated.

For example, in a specific example, if the user message of the client 1 received is as follows: "Your account number of 6330 is 10:22:55 on October 31, XF cash withdrawal income is 1000.00 yuan, and the current balance is 1008.91 yuan. [Construction Bank]". Then, the data collection module 210 uses the regular expression to parse the content of the user's short message to obtain the following fields: 1. Bank card type: savings card; 2. Bank name: Construction Bank; 3. Bank card number: 6330 ; 4, the amount of the account: 1000.00 yuan; 5, the balance: 1008.91 yuan.

The data processing module 220 in the server 2 is configured to analyze, according to the preset key information in the parsed user short message, whether the loan repayment is required to be performed on the client user; if the preset key information can be analyzed, Whether the bank name and the bank card end number are consistent with the repayment bank name and the repayment bank card end number pre-bound by the client user; if they are consistent, the analysis needs to automatically repay the loan to the client user; otherwise The analysis does not automatically repay the loan to the client user. If it is determined that the client user needs to be debited, the user information and the user short message field of the client user are sent to the corresponding financial docking module 230 for deduction. Wherein, determining whether the client user is to be debited can determine whether the parsed key content of the user's short message (such as the bank name and the bank card number) is completely consistent with the repayment bank card information pre-bound by the user, if If it is consistent, it is judged that the user can be automatically debited. If they are inconsistent, the user cannot be automatically debited and the process ends. For example, in a specific example, taking the above short message as an example, the data processing module 220 receives the construction bank savings card with the user ending number of 6330 and withdraws 1000.00 yuan, and the balance is 1008.91 yuan, and the client user is first determined. Is it still in arrears? If there is still arrears, it is judged whether the bank name "Construction Bank" and the bank card number "6330" and the client user binding repayment bank card are consistent. If they are consistent, the client user information and SMS information are transmitted. The financial docking module 230 is debited, otherwise it will not be processed. In addition, the financial docking module 230 returns to the state of “all repayment success, partial repayment success, failure” after the deduction, and if all the repayments are successful, the data processing module 220 notifies the data collection module 210 that the customer is no longer The end user performs the accounting monitoring of the account; otherwise, the monitoring will continue.

After receiving the client user information and the user short message sent by the data processing module 220, the financial docking module 230 in the server 2 calls the corresponding bank interface to debit (such as calling the bank interface corresponding to the “bank name” in the user short message. Automatically debit the bank card that matches the user information and matches the "bank card number" in the user's text message. For example, if the analysis needs to automatically repay the loan to the client user, the bank interface corresponding to the bank name in the preset key information is invoked, and the bank name and the bank card end in the preset key information are The repayment bank card with the same number is automatically deducted for automatic loan repayment; when the loan is automatically repaid, the amount of the balance of the repayment bank card in the preset key information is preferentially deducted. If the amount of the balance of the repayment bank card in the preset key information is insufficient to offset the repayment amount required for the current loan, continue to record the repayment bank card in the preset key information. The amount is deducted.

Further, if the incoming credit amount or balance in the user's short message is greater than the actual amount owed, the actual amount owed is deducted; if the incoming credit amount or balance in the user short message is less than the actual owed amount, then Debit the amount according to the amount passed in. Among them, the deduction can be made for the "accounting amount" in the user's short message, or the "balance" in the user's short message can be deducted. Generally, the "balance" is greater than the "accounting amount", so the priority is The amount of the "balance" is deducted, and if the "balance" is missing, the deduction is made according to the "accounting amount". The mechanism can ensure that part of the amount of the user can be partially repaid immediately when the account is credited, and the traditional method only avoids full deduction, and the deduction fails due to insufficient balance.

In this application, the client monitors the user's bank's incoming SMS in real time, and when the user receives the incoming SMS, immediately sends the information to the background server, which can automatically perform real-time deduction. In view of the relatively tight capital of borrowing users, many of them have loans on multiple platforms at the same time. When the user funds are not enough to repay all the loans in the current period, the competition between the platforms will be deducted, that is, the first is advantageous, and then the deduction is initiated. There may be insufficient funds, overdue and subsequent collections. Even if there is no competition between multiple online lending platforms, there may be competition with the user's other funding needs (such as shopping), that is, the user deposits may be used by the user before the system deducts the loan. Therefore, the solution for analyzing and automatically repaying according to the account text message in the application can reduce the additional interaction between the user and the loan platform, timely repay the money, avoid overdue, improve the user experience, and protect the interests of the loan platform. Moreover, compared with the existing online loan repayment method, the bank withholding usually cannot predict the user's bank card balance, and can only be deducted according to the current repayment amount. If the balance is insufficient, it will fail and cannot be partially repaid. In this application, since the account amount or the account balance can be analyzed from the account text message, when the account amount or the account balance can be repaid in the current period, the amount will be automatically repaid. When the account amount or the account balance is insufficient to pay off the current repayment amount. Automatic repayment according to the account amount or account balance can help the user to repay the maximum amount.

Referring to FIG. 2, a block diagram of a preferred embodiment of a loan automatic repayment client program 10 stored in a client device (e.g., client 1 in FIG. 1, not shown in FIG. 3). The client device includes a memory and a processor, and the memory includes a loan automatic repayment client program 10, and the loan automatic repayment client program 10 includes a configuration acquisition module 110, an analysis module 120, a short message monitoring module 130, and a short message transmission. Module 140. The processor of the client device implements the aforementioned functions of the program modules 110-140 when executing the loan automatic repayment client program 10.

Referring to FIG. 3, a block diagram of a preferred embodiment of a loan automatic repayment server program 20 stored in a server (e.g., server 2 in FIG. 1, not shown in FIG. 3). The server includes a memory and a processor, and the memory includes a loan automatic repayment server program 20, and the loan automatic repayment server program 20 includes a data collection module 210, a data processing module 220, and a financial docking module 230. The processor of the server implements the aforementioned functions of the program modules 210-230 when executing the loan automatic repayment server program 20.

Referring to FIG. 4, it is a flowchart of a first preferred embodiment of the automatic loan repayment method of the present application. When the client operates the loan automatic repayment system, the following steps are implemented:

Step S101: Obtain configuration information from a server by using a preset software development kit, where the configuration information is configuration information required to configure a short message monitoring user. For example, after the user installs the corresponding client App in the mobile terminal, the software development kit SDK pre-integrated in the client App periodically acquires the configuration information from the data collection module 210 of the server.

Step S102: Analyze, according to the configuration information, whether the client user needs to perform short message monitoring. Step S103: If the client user needs to perform short message monitoring, the user short message is monitored by using a preset software development kit.

Step S104: If the monitoring obtains the short message of the user, send the obtained short message of the user to the server, so that the server automatically repays the loan to the client user based on the short message of the user.

Referring to FIG. 5, it is a flowchart of a second preferred embodiment of the automatic loan repayment method of the present application. When the server operates the automatic loan repayment system, the following steps are implemented:

Step S201, receiving a user short message sent by the client;

Step S202, acquiring preset key information in the short message of the user by using a regular expression;

Step S203: Analyze, according to the preset key information, whether automatic loan repayment is required to the client user;

Step S204: If the client needs to perform automatic loan repayment on the client user, then based on the preset key information and calling the corresponding bank interface, the client user is automatically repaid according to a preset deduction rule. .

Specifically, first, the server configures whether the user needs to perform short message monitoring. For example, it is possible to configure whether or not to monitor SMS according to the loan repayment situation of different users. If all the loans of the user have been paid off, the SMS will not be monitored after the configuration; if the user still has the loan, the SMS monitoring will be configured. Further, if the user's monthly loan has been paid off but there is still a loan to be paid in the next month, then the configuration will not be monitored for SMS in the current month, and the SMS will be automatically turned on next month; if the user's monthly loan has not been paid off, Then configure SMS monitoring for it.

The client obtains configuration information about the short message monitoring in the server. For example, after the user installs the corresponding client app in the mobile terminal, the software development kit SDK pre-integrated in the client app periodically acquires configuration information from the server.

The client analyzes and determines whether the client user needs to perform short message monitoring according to the obtained configuration information. If necessary, the short message monitoring is started through the software development kit SDK; otherwise, the short message monitoring is not enabled.

After the SMS monitoring is enabled, the client monitors the user's short message on the client, obtains the user's short message data on the client in real time, and sends the obtained user's short message data on the mobile terminal to the server.

The server receives the user's short message sent by the client, and uses the regular expression to judge and parse the user's short message. Among them, regular expressions, also known as regular expressions. (English: Regular Expression, often abbreviated as regex, regexp, or RE in code), is often used to retrieve and replace text that conforms to a pattern (rule). A regular expression is a logical formula for string operations. It uses a combination of specific characters defined in advance and combinations of these specific characters to form a "rule string". This "rule string" is used to express the pair of characters. A filtering logic for strings. Given a regular expression and another string, you can achieve the following goals: 1. Whether the given string conforms to the regular expression's filtering logic (called "match"): 2. Can pass regular expressions, Get the specific part you want from the string.

Specifically, the server first matches the user short message by using a preset first regular expression, and analyzes whether the user short message is a preset credit message according to the matching result. For example, using the regular expression "revenue|deposit| deposit|cash|transfer|transfer|account|account|receipt|receipt|refundable|refundable|cash out|delivery" to the received customer The user's short message of the terminal 1 is matched and judged. If it matches, it is judged that the received user short message is the credited message, and the next step is continued. Otherwise, the process ends.

Further, after determining that the received user short message is a crediting message, the server may also preprocess the user short message. For example, the user's short message is denoised, the emoticon and some special characters are removed, so as to facilitate accurate analysis of the subsequent short message content of the user.

Further, after determining that the received user short message is the accounting short message, the server further uses the preset second regular expression to parse and obtain the preset key information in the user short message. For example, the corresponding preset expression can be used to analyze specific key content in the user's short message such as bank card type, bank name, bank card number, account amount, balance, etc. Specifically, for the bank card type, Use the regular expression "debit card | savings card | credit card" to make judgments. For the bank name, you can use the regular expression "(?<=(\\[|[))([\u4E00-\u9FA5]+)(?=(\\]|)))"). For the bank card tail number, you can use the regular expression "(? <= tail number | mantissa | tail number is | tail number: | tail number: | last 4 bits | | last four | card | card number | card number is | account | Account \\*|(\\(|\\()\\*{0,2}|\\*{1,2})(\\d{3,4})|(\\d{3 , 4} (?= account))" is calculated. For the amount of the account, you can use the regular expression "(? <= Amount | Amount | Amount: | RMB | RMB | ¥ | \\) |) | Fees|Revenue|Save in|Expenditure|Consumption|Accounts|Cash out|Withdrawal|Deposit|Transfer|Transfer|Withdrawal|Payment|Current support:)(([-+]?)(\\d{1, 3},){0,2}\\d+(\\.\\d{1,2})?)" is calculated. For the balance, you can use the regular expression "(?<= balance | balance | balance ren | balance is renminbi | balance is RMB | balance: | balance: | remaining amount renminbi) ((-?) (\\d{1 ,3},){0,2}\\d+(\\.\\d{1,2})?)" is calculated.

For example, in a specific example, if the user message of the client 1 received is as follows: "Your account number of 6330 is 10:22:55 on October 31, XF cash withdrawal income is 1000.00 yuan, and the current balance is 1008.91 yuan. [Construction Bank]". Then the server uses the regular expression to parse the content of the user's short message to obtain the following fields: 1. Bank card type: savings card; 2. Bank name: Construction Bank; 3. Bank card number: 6330; The amount of the account: 1000.00 yuan; 5, the balance: 1008.91 yuan.

The server analyzes, according to the preset key information in the parsed user short message, whether it is necessary to automatically repay the loan to the client user; if the bank name and the bank card number in the preset key information can be analyzed, Whether the reimbursement bank name and the repayment bank card end number pre-bound by the client user are consistent; if they are consistent, the analysis needs to automatically repay the loan to the client user; otherwise, the analysis does not make a loan to the client user. autopay. If it is determined that the client user needs to be debited, the user information and the user short message field of the client user are sent to the corresponding financial docking module for deduction. Wherein, determining whether the client user is to be debited can determine whether the parsed key content of the user's short message (such as the bank name and the bank card number) is completely consistent with the repayment bank card information pre-bound by the user, if If it is consistent, it is judged that the user can be automatically debited. If they are inconsistent, the user cannot be automatically debited and the process ends. For example, in a specific example, taking the above short message as an example, the server receives a payment of 1000.00 yuan from the construction bank savings card with the user ending number of 6330, and the balance is 1008.91 yuan, first determining whether the client user is still in the Arrears status. If there is still arrears, it is judged whether the bank name "Construction Bank" and the bank card number "6330" and the client user binding repayment bank card are consistent. If they are consistent, the client user information and SMS information are transmitted. Deduct the financial docking module, otherwise it will not be processed. In addition, the financial docking module will return to the status of “all repayments successful, partial repayment success, failure” after the deduction, and if all repayments are successful, the client user will not be monitored for SMS; otherwise it will continue Monitor.

After receiving the client user information and the user short message, the financial docking module in the server calls the corresponding bank interface to debit (such as calling a bank interface corresponding to the “bank name” in the user short message, matching the user information, and The bank card matching the "bank card number" in the user's text message is automatically debited). For example, if the analysis needs to automatically repay the loan to the client user, the bank interface corresponding to the bank name in the preset key information is invoked, and the bank name and the bank card end in the preset key information are The repayment bank card with the same number is automatically deducted for automatic loan repayment; when the loan is automatically repaid, the amount of the balance of the repayment bank card in the preset key information is preferentially deducted. If the amount of the balance of the repayment bank card in the preset key information is insufficient to offset the repayment amount required for the current loan, continue to record the repayment bank card in the preset key information. The amount is deducted.

In addition, the embodiment of the present application further provides a computer readable storage medium, which may be a hard disk, a multimedia card, an SD card, a flash memory card, an SMC, a read only memory (ROM), and an erasable programmable Any combination or combination of any one or more of read only memory (EPROM), portable compact disk read only memory (CD-ROM), USB memory, and the like. The computer readable storage medium includes a loan automatic repayment client program 10, and when the loan automatic repayment client program 10 is executed, the following steps are implemented:

Another embodiment of the present application further provides a computer readable storage medium including a loan automatic repayment server program 20, which is implemented when the loan automatic repayment server program 20 is executed:

Receiving a user message sent by the client;

If the client needs to perform automatic loan repayment on the client user, the client user is automatically repaid according to the preset debit payment rule based on the preset key information and the corresponding bank interface. The specific implementation manner of the computer readable storage medium of the present application is substantially the same as the specific embodiment of the automatic loan repayment method and system, and details are not described herein again.

It is to be understood that the term "comprises", "comprising", or any other variants thereof, is intended to encompass a non-exclusive inclusion, such that a process, apparatus, article, or method that comprises a series of elements includes those elements. It also includes other elements not explicitly listed, or elements that are inherent to such a process, device, item, or method. In addition, the technical solutions between the various embodiments may be combined with each other, but must be based on the realization of those skilled in the art, and when the combination of the technical solutions is contradictory or impossible to implement, it should be considered that the combination of the technical solutions does not exist. Nor is it within the scope of protection required by this application.

Through the description of the above embodiments, those skilled in the art can clearly understand that the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better. Implementation. Based on such understanding, portions of the technical solution of the present application that contribute substantially or to the prior art may be embodied in the form of a software product stored in a storage medium as described above, including a number of instructions. Used to cause the server to perform the methods described in various embodiments of the present application.

The above is only a preferred embodiment of the present application, and is not intended to limit the scope of the patent application, and the equivalent structure or equivalent process transformations made by the specification and the drawings of the present application, or directly or indirectly applied to other related technical fields. The same is included in the scope of patent protection of this application.

Claims

An automatic loan repayment method is applied to a client, and the method comprises:

The configuration information is obtained from the server by using a preset software development kit, where the configuration information is configured to configure the user to configure the short message to monitor the configuration information of the user;

And analyzing, according to the configuration information, whether the client user needs to perform short message monitoring;

If the client user needs to perform SMS monitoring, the user SMS is monitored by a preset software development kit;

If the monitoring obtains the short message of the user, the obtained short message of the user is sent to the server, so that the server automatically repays the loan to the client user based on the short message of the user.
A method for automatic loan repayment, applied to a server, characterized in that the method comprises:

Receiving a user message sent by the client;

Using a regular expression to obtain preset key information in the user's short message;

Determining whether the client user needs to automatically repay the loan according to the preset key information;

If the client needs to perform automatic loan repayment on the client user, the client user is automatically repaid according to the preset debit payment rule based on the preset key information and the corresponding bank interface.
The automatic loan repayment method according to claim 2, wherein the step of acquiring the preset key information in the short message of the user by using a regular expression comprises:

Matching the short message of the user by using a preset first regular expression, and analyzing whether the short message of the user is a preset short message according to the matching result;

If the user short message is analyzed as a preset credit message, the preset second key expression is used to obtain the preset key information in the user short message.
The automatic loan repayment method according to claim 3, wherein the preset key information comprises a bank card type, a bank name, a bank card number, a credit amount, and/or a balance, and the use of the preset The second regular expression obtains preset key information in the short message of the user, including:

Obtaining a bank card type in the user short message by using a preset bank card type regular expression;

Obtaining a bank name in the user short message by using a preset bank name regular expression;

Obtaining the bank card end number in the user short message by using a preset bank card ending number regular expression;

Obtaining the account amount in the user short message by using a preset account amount regular expression;

The balance in the user's short message is obtained by using a preset balance regular expression.
The automatic loan repayment method according to claim 4, wherein the step of analyzing whether the loan automatic repayment is required for the client user according to the preset key information comprises:

Analyzing whether the bank name and the bank card end number in the preset key information are consistent with the repayment bank name and the repayment bank card tail number pre-bound by the client user;

If they are consistent, the analysis needs to automatically repay the loan to the client user; otherwise, the analysis does not automatically repay the loan to the client user.
The automatic loan repayment method according to claim 5, wherein if the analysis requires automatic loan repayment to the client user, the corresponding key information is invoked based on the preset key information, and the corresponding bank interface is invoked. The steps of the automatic debit payment for the client user by the preset deduction rules include:

If the analysis needs to automatically repay the loan to the client user, the bank interface corresponding to the bank name in the preset key information is invoked, and the bank name and the bank card end number are consistent with the preset key information. The repayment bank card is automatically debited for automatic loan repayment;

When the automatic loan repayment is performed, the amount of the balance of the repayment bank card in the preset key information is preferentially deducted, if the amount of the balance of the repayment bank card in the preset key information is insufficient To deduct the repayment amount required for the current loan, the deduction of the credit amount of the repayment bank card in the preset key information is continued.
The automatic loan repayment method according to claim 5, further comprising: before the step of receiving the user short message sent by the client:

According to the loan repayment situation of different users, configure the configuration information of the SMS monitoring user.
An automatic loan repayment system, characterized in that the loan automatic repayment system comprises:

Server, and

At least one client;

The client includes:

The configuration obtaining module is configured to obtain configuration information from the server by using a preset software development kit, where the configuration information is configured to perform configuration of the short message monitoring user;

An analysis module: configured to analyze, according to the configuration information, whether a client user needs to perform short message monitoring;

The short message monitoring module is configured to: if the client user needs to perform short message monitoring, monitor the user short message by using a preset software development kit;

The short message sending module is configured to: if the monitoring obtains the short message of the user, send the obtained short message of the user to the server, so that the server automatically repays the loan to the client user based on the short message of the user;

The server includes:

The data collection module is configured to receive a user short message sent by the client, and obtain a preset key information in the user short message by using a regular expression;

The data processing module is configured to analyze, according to the preset key information, whether a loan automatic repayment is required for the client user;

The financial docking module is configured to: if the client needs to perform automatic loan repayment on the client user, and then, according to the preset key information, invoke a corresponding bank interface, and perform the loan to the client user according to a preset deduction rule. autopay.
A client device, characterized in that the client device stores a loan automatic repayment client program, and the client device implements the following steps when executing the loan automatic repayment client program:

The configuration information is obtained from the server by using a preset software development kit, where the configuration information is configured to configure the user to configure the short message to monitor the configuration information of the user;

And analyzing, according to the configuration information, whether the client user needs to perform short message monitoring;

If the client user needs to perform SMS monitoring, the user SMS is monitored by a preset software development kit;

If the monitoring obtains the short message of the user, the obtained short message of the user is sent to the server, so that the server automatically repays the loan to the client user based on the short message of the user.
A server, characterized in that the server stores a loan automatic repayment server program, and the server implements the following steps when executing the loan automatic repayment server program:

Receiving a user message sent by the client;

Using a regular expression to obtain preset key information in the user's short message;

Determining whether the client user needs to automatically repay the loan according to the preset key information;

If the client needs to perform automatic loan repayment on the client user, the client user is automatically repaid according to the preset debit payment rule based on the preset key information and the corresponding bank interface.
The server according to claim 10, wherein the step of acquiring the preset key information in the short message of the user by using a regular expression comprises:

Matching the short message of the user by using a preset first regular expression, and analyzing whether the short message of the user is a preset short message according to the matching result;

If the user short message is analyzed as a preset credit message, the preset second key expression is used to obtain the preset key information in the user short message.
The server according to claim 11, wherein said preset key information comprises a bank card type, a bank name, a bank card number, an account amount and/or a balance, and said utilizing a preset second regular expression Obtaining preset key information in the user short message includes:

Obtaining a bank card type in the user short message by using a preset bank card type regular expression;

Obtaining a bank name in the user short message by using a preset bank name regular expression;

Obtaining the bank card end number in the user short message by using a preset bank card ending number regular expression;

Obtaining the account amount in the user short message by using a preset account amount regular expression;

The balance in the user's short message is obtained by using a preset balance regular expression.
The server according to claim 12, wherein the step of analyzing whether the client user needs to perform automatic loan repayment according to the preset key information comprises:

Analyzing whether the bank name and the bank card end number in the preset key information are consistent with the repayment bank name and the repayment bank card tail number pre-bound by the client user;

If they are consistent, the analysis needs to automatically repay the loan to the client user; otherwise, the analysis does not automatically repay the loan to the client user.
The server according to claim 13, wherein if the analysis needs to automatically repay the loan to the client user, the preset key information is used to invoke the corresponding bank interface, and the default debit is charged. The steps for the rule to automatically repay the loan to the client user include:

If the analysis needs to automatically repay the loan to the client user, the bank interface corresponding to the bank name in the preset key information is invoked, and the bank name and the bank card end number are consistent with the preset key information. The repayment bank card is automatically debited for automatic loan repayment;

When the automatic loan repayment is performed, the amount of the balance of the repayment bank card in the preset key information is preferentially deducted, if the amount of the balance of the repayment bank card in the preset key information is insufficient To deduct the repayment amount required for the current loan, the deduction of the credit amount of the repayment bank card in the preset key information is continued.
A computer readable storage medium, characterized in that the computer readable storage medium comprises a loan automatic repayment client program, and the loan automatic repayment client program is executed as follows:

The configuration information is obtained from the server by using a preset software development kit, where the configuration information is configured to configure the user to configure the short message to monitor the configuration information of the user;

And analyzing, according to the configuration information, whether the client user needs to perform short message monitoring;

If the client user needs to perform SMS monitoring, the user SMS is monitored by a preset software development kit;

If the monitoring obtains the short message of the user, the obtained short message of the user is sent to the server, so that the server automatically repays the loan to the client user based on the short message of the user.
A computer readable storage medium, characterized in that the computer readable storage medium comprises a loan automatic repayment server program, and when the loan automatic repayment server program is executed, the following steps are implemented:

Receiving a user message sent by the client;

Using a regular expression to obtain preset key information in the user's short message;

Determining whether the client user needs to automatically repay the loan according to the preset key information;

If the client needs to perform automatic loan repayment on the client user, the client user is automatically repaid according to the preset debit payment rule based on the preset key information and the corresponding bank interface.
The computer readable storage medium according to claim 16, wherein the step of acquiring the preset key information in the user short message by using a regular expression comprises:

Matching the short message of the user by using a preset first regular expression, and analyzing whether the short message of the user is a preset short message according to the matching result;

If the user short message is analyzed as a preset credit message, the preset second key expression is used to obtain the preset key information in the user short message.
The computer readable storage medium according to claim 17, wherein said preset key information comprises a bank card type, a bank name, a bank card number, a credit amount, and/or a balance, said utilizing a preset The second regular expression obtains preset key information in the short message of the user, including:

Obtaining a bank card type in the user short message by using a preset bank card type regular expression;

Obtaining a bank name in the user short message by using a preset bank name regular expression;

Obtaining the bank card end number in the user short message by using a preset bank card ending number regular expression;

Obtaining the account amount in the user short message by using a preset account amount regular expression;

The balance in the user's short message is obtained by using a preset balance regular expression.
The computer readable storage medium according to claim 18, wherein the step of analyzing whether the client user needs to perform automatic loan repayment according to the preset key information comprises:

Analyzing whether the bank name and the bank card end number in the preset key information are consistent with the repayment bank name and the repayment bank card tail number pre-bound by the client user;

If they are consistent, the analysis needs to automatically repay the loan to the client user; otherwise, the analysis does not automatically repay the loan to the client user.
The computer readable storage medium according to claim 19, wherein if the analysis requires automatic loan repayment to the client user, based on the preset key information and calling a corresponding bank interface, pressing The steps of the automatic debit payment for the client user by the preset deduction rules include:

If the analysis needs to automatically repay the loan to the client user, the bank interface corresponding to the bank name in the preset key information is invoked, and the bank name and the bank card end number are consistent with the preset key information. The repayment bank card is automatically debited for automatic loan repayment;

When the automatic loan repayment is performed, the amount of the balance of the repayment bank card in the preset key information is preferentially deducted, if the amount of the balance of the repayment bank card in the preset key information is insufficient To deduct the repayment amount required for the current loan, the deduction of the credit amount of the repayment bank card in the preset key information is continued.