Debt data processing method based on user data resources and terminal device

Abstract

The invention provides a debt data processing method based on user data resources and a terminal device, which are applicable to the technical field of data resource processing. The method comprises the following steps of: if it is detected that the account transfer-in of the user account is completed, calculating the actual amount of arrears corresponding to the account transfer-in operation based on the principal amount of arrears corresponding to the account transfer-in operation in the user account; if the actual amount owed is greater than zero, determining the date of successful deduction within the period from the date of account transfer to the current date; if the quantity of the successful deduction date is greater than zero, calculating the actual arrears amount corresponding tothe successful deduction date and the daily overdue penalty interest amount from the account transfer-in date to the current date; based on the calculated data, updating the user arrears data of theuser account corresponding to the account transfer date in the user account to the current date. The embodiment of the invention can timely and accurately update the user arrears data, ensure the accuracy and effectiveness of the user arrears data, and avoid the economic loss of the user.

Description

technical field [0001] The invention belongs to the technical field of data processing, and in particular relates to an arrears data processing method and terminal equipment based on user data resources. Background technique [0002] After borrowing, the user must repay the principal of the loan in time within the interest-free period. If the interest-free period is exceeded, the user needs to repay the corresponding overdue penalty interest on the basis of repaying the principal. In the existing loan repayment process, the user needs to transfer the repaid account to the designated account of the borrower, and the borrower will review the account before deducting the user's arrears. If the arrears are not deducted during the interest-free period, even if the user has completed the repayment, the borrower will still use the undeducted arrears as the principal of the arrears to calculate the overdue penalty interest. Therefore, the existing user arrears data processing metho...

AI Technical Summary

Problems solved by technology

[0003] In view of this, the embodiment of the present invention provides an arrears data processing method and terminal equipment based on user data resources, so as to solve the problem that in the prior art, the processing of user arrears data cannot guarantee that the date of transfer of user accounts to the completion of account making The accuracy of the user arrears data obtained during this period of time caused economic losses to users

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