Method and system for splitting bills in two for credit repayment business

Abstract

The present invention relates to a method and system for splitting bills in two for credit repayment business. The method includes the following steps: step 1, extracting the current deduction amount information that the customer needs to repay; step 2, according to the current deduction Step 3: If the “Deduction Failed” message is received from the data center, a halved deduction amount equal to half of the current deduction amount will be generated. Determine whether the halved deduction amount is greater than the first critical value, if so, update the current deduction amount to the halved deduction amount, record the current deduction amount information, and execute step 2; otherwise, update the current deduction amount Update to zero, execute step 4; step 4, calculate the remaining loan repayment amount; step 5, include the remaining loan repayment amount in the remaining loan repayment information, and push it to the customer, and end this method. The invention solves the problems in the prior art that it cannot help customers repay loans to the greatest extent.

Description

technical field [0001] The invention relates to the technical field of Internet services, in particular to a method and system for splitting bills in two for credit repayment business. Background technique [0002] Credit business, also known as credit assets or loan business, is the most important asset business of commercial banks. It recovers the principal and interest through lending, and earns profits after deducting costs. Therefore, credit is the main means of profit for commercial banks. [0003] In recent years, with the rapid development of credit business, people can even make loans anytime and anywhere through computers and mobile phones. Among them, when repaying the loan, due to various reasons (such as lack of funds, forgetting the repayment date) and other reasons, many customers did not deposit money in the repayment card according to the required loan repayment amount on time, This will lead to a lot of overdue repayments, and it is easy to generate bad cr...

AI Technical Summary

Problems solved by technology

However, since the lender is processing the customer's automatic repayment, the system cannot query the balance in the customer's contract card. If the request exceeds the balance in the customer's contract card, it will show that the deduction has failed, and the customer's loan will be directly transferred to overdue in full, which will bring great inconvenience to the customer, and at the same time make the lender bear the risk of not being able to recover the funds

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