Repayment method and device, terminal equipment and storage medium

A preset and capital technology, applied in the field of Internet finance, can solve problems such as non-compliance in repayment operations, achieve the effect of standardizing the operation model and reducing capital risks

Inactive Publication Date: 2020-03-27
SHENZHEN LEXIN SOFTWARE TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The embodiment of the present invention provides a repayment method, device, terminal equipment and storage medium, so as to solve the problem of non-compliance in the repayment operation performed by the online loan platform and standardize the operation mode of the online loan platform

Method used

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  • Repayment method and device, terminal equipment and storage medium
  • Repayment method and device, terminal equipment and storage medium
  • Repayment method and device, terminal equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0027] figure 1 It is a flow chart of a repayment method provided by Embodiment 1 of the present invention. This embodiment is applicable to the situation where users make repayment on the online loan platform. The method can be executed by a repayment device, which can use software and / or implemented in the form of hardware, the device can be configured in terminal equipment, such as mobile phones, ipads and computers. Specifically include the following steps:

[0028] S110. When the repayment request input by the user is received, according to at least one funder and the loan amount corresponding to each funder, determine the user's funder clearing bill, wherein the funder clearing bill includes at least one pending Repayment Amount.

[0029] Wherein, the instruction for requesting repayment includes, but is not limited to, a repayment bill and a repayment scenario input by the user. Wherein, the repayment bill refers to a bill on which a repayment operation is currently...

Embodiment 2

[0039] image 3 It is a flow chart of a repayment method provided by Embodiment 2 of the present invention, and the technical solution of this embodiment is further refined on the basis of the above embodiments. Optionally, according to at least one funder, the loan amount corresponding to each funder, the default repayment account, and the single maximum amount limit corresponding to the preset repayment account, determine the user's funder clearing bill.

[0040] The specific implementation steps of this embodiment include:

[0041] S210. When receiving a repayment request input by the user, determine according to at least one funder, the loan amount corresponding to each funder, the default repayment account, and the single maximum limit corresponding to the default repayment account The user's fund side clears the bill.

[0042] In one embodiment, optionally, the initial repayment account is determined according to the repayment scenario in the repayment request instruc...

Embodiment 3

[0061] Figure 6 It is a schematic diagram of a repayment device provided by Embodiment 3 of the present invention. This embodiment is applicable to the situation where the user repays the loan on the online loan platform. The device can be implemented in the form of software and / or hardware, and the device can be configured in terminal equipment, such as mobile phones, ipads and computers. The repayment device includes: a funder clearing bill determination module 310 and a repayment process execution module 320 .

[0062] Wherein, the funder clearing bill determination module 310 is configured to determine the user's funder clearing bill according to at least one funder and the loan amount corresponding to each funder when receiving a request for repayment input by the user, wherein, The funder's clearing bill includes at least one amount to be repaid;

[0063] The repayment process execution module 320 is configured to receive the repayment operation input by the user base...

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Abstract

The embodiment of the invention discloses a repayment method and device, terminal equipment and a storage medium. The method comprises: when a repayment request instruction input by a user is received, determining a fund party clearing bill of the user according to at least one fund party and borrowing amount corresponding to each fund party, wherein the fund party clearing bill comprises at leastone amount to be repaid; and receiving a repayment operation input by the user based on the fund party clearing bill, and executing a repayment process. According to the embodiment of the invention,the repayment funds of the user are sorted according to the fund party, so that the problem that the repayment operation executed by the online loan platform is not compliant is solved, the user can directly execute the repayment operation on the fund party, the operation mode of the online loan platform is standardized, and the fund risk caused by using the online loan platform by the user is reduced.

Description

technical field [0001] The embodiment of the present invention relates to the technical field of Internet finance, and in particular to a repayment method, device, terminal equipment and storage medium. Background technique [0002] With the popularity of the Internet, the Internet is gradually penetrating into all aspects of people's daily life, and people's living habits will also change in the future. With the advantages of the Internet, online loans enable users to complete various loan application procedures without leaving home and enjoy the convenience brought by Internet finance. [0003] The main operation mode of the current online loan platform is that when users make repayments, they only need to perform one repayment operation on the online loan platform, and the online loan platform receives the repayment funds and performs subsequent repayment operations on the repayment funds. In the complex Internet environment, such an operation mode cannot guarantee the s...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 谢济帆谢坤朋袁强朱远鹏邹学平
Owner SHENZHEN LEXIN SOFTWARE TECH CO LTD
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