Advanced repayment method and device, terminal equipment and computer readable storage medium

A terminal device and user terminal technology, applied in computing, instruments, finance, etc., can solve problems such as unable to deduct money normally, cannot support early repayment, etc., and achieve the effect of promoting rapid recovery

Inactive Publication Date: 2019-05-03
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0007] The main purpose of the present invention is to provide an early repayment method, device, terminal equipment and computer-readable storage medium, aiming to solve the problem that the prior art cannot support partial repayment in advance, and when the amount of repayment in advance is insufficient , the payment cannot be deducted normally, the technical problem of adjusting the prepayment amount according to the actual deducted amount

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  • Advanced repayment method and device, terminal equipment and computer readable storage medium
  • Advanced repayment method and device, terminal equipment and computer readable storage medium
  • Advanced repayment method and device, terminal equipment and computer readable storage medium

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Embodiment Construction

[0060] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0061] refer to figure 1 , figure 1 It is a schematic structural diagram of a terminal device in the hardware operating environment involved in the embodiment of the present invention. The terminal device is the device used by the credit platform in the present invention. Specifically, it can be a personal computer, a tablet computer, a smart phone, etc. that can access the network The equipment is not listed here one by one, nor is it specifically limited.

[0062] Such as figure 1 As shown, the terminal device may include: a processor 1001 , such as a central processing unit (Central Processing Unit, CPU), a communication bus 1002 , a user interface 1003 , a network interface 1004 , and a memory 1005 . Wherein, the communication bus 1002 is used to realize connection and communication between these components. T...

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Abstract

The invention discloses an advanced repayment method and device, terminal equipment and a computer readable storage medium. According to the invention, the advance repayment application message carries the advance repayment amount and the loan borrowing sheet number requesting advance repayment; the method comprises the following steps: pre-determining an advanced repayment operation; wherein theresidual money should be returned in the loan amount corresponding to the loan borrowing sheet number; and according to the remaining returned principal and the loan information corresponding to the loan borrowing sheet number, obtaining the loan information. Generating a subsequent repayment plan, then, when the system date is the applied advance repayment date;according to the technical scheme,the advanced repayment amount of the application is automatically deducted from the repayment account corresponding to the loan borrowing sheet number, and the pre-generated subsequent repayment planis sent to the terminal equipment of the user applying for advanced repayment, so that advanced repayment of part of the amount is realized, and meanwhile, rapid recovery of the loan amount issued bya financial institution is promoted. In addition, an encryption algorithm is introduced in the repayment process to encrypt the repayment plan, so that the information security of the user is effectively guaranteed.

Description

technical field [0001] The present invention relates to the technical field of financial transactions, in particular to an early repayment method, device, terminal equipment and computer-readable storage medium. Background technique [0002] With the improvement of people's living and consumption levels, the lifestyle of advanced consumption has become more and more common, such as buying houses and cars through loans, enjoying the purchased products or services in advance, and then repaying the loan part by installment. Banks and financial institutions obtain benefits by issuing loans and collecting interest, which effectively promotes economic development. [0003] However, in recent years, with the rapid growth of credit and the frequent interest rate hikes by the central bank, the repayment pressure on lenders has become greater and greater, so many lenders have begun to consider early repayment. [0004] However, the current early repayment supported by financial insti...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
Inventor 符修亮叶松吕林澧邓新文唐正球聂荣生樊维
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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