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Internet finance repayment method, device and equipment and storage medium

An Internet and financial technology, applied in the field of Internet finance, can solve problems such as untraceable bills, inability to provide detailed data on repayment funds, account confusion, etc., and achieve the effect of improving processing efficiency and operating performance

Pending Publication Date: 2020-04-14
SHENZHEN LEXIN SOFTWARE TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] Based on the above-mentioned existing technical solutions, when the supervisory bank performs the repayment operation, it transfers the corresponding amount of funds to the funder at one time, and cannot provide detailed account data about the repayment funds, which may easily lead to untraceable bills, There are many problems such as account confusion and uncontrollable risks, which do not meet the requirements of the compliance management of Internet finance
And the repayment operation based on the order dimension is easy to cause the problem of excessive data volume and reduce system performance

Method used

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  • Internet finance repayment method, device and equipment and storage medium
  • Internet finance repayment method, device and equipment and storage medium
  • Internet finance repayment method, device and equipment and storage medium

Examples

Experimental program
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Effect test

Embodiment 1

[0027] figure 1 It is a flow chart of an Internet finance repayment method provided by Embodiment 1 of the present invention. This embodiment is applicable to the situation where the supervisory bank monitors the repayment of the loan assistance platform. This method can be executed by the repayment device of Internet finance. The device may be implemented in software and / or hardware, and the device may be configured in a terminal device. Specifically include the following steps:

[0028] S110. When the loan assistance platform receives the user's bill settlement instruction, obtain the user's pending repayment bill.

[0029] Among them, the loan assistance platform refers to the third-party credit information service platform, which provides support and assistance for the loan business of funders and users. The business of the loan assistance platform includes the entry of loan users through processes such as obtaining user information, information preliminary review, and r...

Embodiment 2

[0050] figure 2 It is a flow chart of an Internet finance repayment method provided in Embodiment 2 of the present invention, and the technical solution of this embodiment is further refined on the basis of the above embodiments. Optionally, it also includes: when the regulatory bank receives preset account entry information, establishing a virtual account corresponding to the preset account entry information; amount and the virtual account, and perform an account entry operation.

[0051] The specific implementation steps of the embodiment of the present invention include:

[0052] S210. When the supervisory bank receives the preset account entry information, establish a virtual account corresponding to the preset account entry information.

[0053] Among them, the default account input information is to enable the regulatory bank to establish a virtual account required by the loan assistance platform. Exemplarily, the preset account entry information may be provided by t...

Embodiment 3

[0072] Figure 4 It is a schematic diagram of an Internet finance repayment device provided by Embodiment 3 of the present invention. This embodiment is applicable to the situation where the supervisory bank monitors the repayment of the loan assistance platform. The device can be implemented in the form of software and / or hardware, and the device can be configured in a terminal device. The repayment device of Internet finance includes: an acquisition module 310 for bills to be repaid, an account repayment details determination module 320 and a repayment operation execution module 330 .

[0073] Among them, the pending repayment bill acquisition module 310 is used to obtain the user's pending repayment bill when the loan assistance platform receives the user's bill settlement instruction;

[0074] The account repayment details determination module 320 is used for the loan assistance platform to sort out funds for at least two pending repayment orders in the pending repayment ...

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PUM

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Abstract

The embodiment of the invention discloses an Internet finance repayment method, device and equipment and a storage medium. The method comprises the steps that when a loan assisting platform receives abill settlement instruction of a user, a to-be-repaid bill of the user is acquired; the loan assisting platform carries out fund clearing on at least two to-be-repaid orders in the to-be-repaid billbased on the transaction account information in the to-be-repaid bill, and account repayment details are determined, wherein the account repayment details comprise at least one to-be-repaid fund basedon the transaction account; and the loan assisting platform sends the account repayment details to a supervision bank, and the supervision bank executes a repayment operation according to the received account repayment details. According to the embodiment of the invention, fund clearing is carried out on the to-be-repaid bill according to the transaction account information; the problem of unclear account issuing details in the repayment process is solved; the supervision bank is enabled to execute the repayment operation based on the account dimension; and the system performance is improved.

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, equipment and storage medium of Internet finance. Background technique [0002] Internet finance is a new financial business model in which traditional financial institutions and Internet companies use Internet technology and information communication technology to realize financial integration, payment, investment and information intermediary services. Internet finance has played a positive role in promoting the development of small and micro enterprises and expanding employment that cannot be replaced by existing financial institutions. [0003] The essence of Internet finance is still finance, and the characteristics of concealment, contagion, extensiveness and suddenness of financial risks have not been changed. Strengthening Internet financial supervision is an inherent requirement for promoting the healthy ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 戴桥斌
Owner SHENZHEN LEXIN SOFTWARE TECH CO LTD