Repayment method and device, electronic equipment and computer readable storage medium
A technology of storage media and electronic equipment, applied in computing, payment schemes/models, credit plans, etc., can solve problems such as poor flexibility, inability to return in advance, and poor user experience, so as to improve user experience and repayment flexibility , the effect of meeting the needs of use
Pending Publication Date: 2021-03-02
CHINA CONSTRUCTION BANK
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AI Technical Summary
Problems solved by technology
Under the traditional design scheme, customers can only repay the loan on the due date, and cannot repay in advance; the repayment amount cannot be chosen arbitrarily, and only the current amount can be returned
[0003] With the development of Internet finance, customers have higher and higher requirements for the flexibility of repayment methods, but the existing repayment schemes are not flexible enough to meet the needs of users, resulting in poor user experience
Method used
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Embodiment Construction
[0056] Embodiments of the present application are described in detail below, examples of which are shown in the drawings, wherein the same or similar reference numerals denote the same or similar elements or elements having the same or similar functions throughout. The embodiments described below by referring to the figures are exemplary only for explaining the present application, and should not be construed as limiting the present invention.
[0057]Those skilled in the art will understand that unless otherwise stated, the singular forms "a", "an", "said" and "the" used herein may also include plural forms. It should be further understood that the word "comprising" used in the specification of the present application refers to the presence of the features, integers, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, Integers, steps, operations, elements, components, and / or groups thereof. It will be un...
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The embodiment of the invention provides a repayment method and device, electronic equipment and a computer readable storage medium. The method comprises the following steps: when a repayment fund isreceived in an account of a user, determining whether the account has a defaulting fund or not; if yes, carrying out repayment of the defaulted fund through the repayment fund, and based on whether the repayment fund has a balance or not after the repayment of the defaulted fund is completed, repayment of the current fund needing to be returned being carried out through the repayment fund; and ifnot, performing repayment of the current required-to-be-returned money through the repayment money. Based on the scheme, when the repayment of the user is received, the defaulting record can be preferentially repaid, so that the repayment flexibility is improved, the use requirements of the user can be met, and the use experience of the user is improved.
Description
technical field [0001] The present application relates to the technical field of financial transactions, and in particular, the present application relates to a repayment method, device, electronic equipment, and computer-readable storage medium. Background technique [0002] In the traditional loan business, the bank and the customer will agree on a fixed monthly repayment amount, and the repayment will be made on a fixed day every month. The traditional loan system is also designed based on such needs. On the due date, the interest for the entire period is calculated according to the principal at the beginning of the period, and provided to customers as a reference for repayment. Under the traditional design scheme, customers can only repay the loan on the due date, and cannot repay in advance; the repayment amount cannot be chosen arbitrarily, and only the current amount can be repaid. [0003] With the development of Internet finance, customers have higher and higher re...
Claims
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Patent Timeline
Login to View More IPC IPC(8): G06Q40/02G06Q20/24G06Q20/40
CPCG06Q20/24G06Q20/405G06Q40/03
Inventor 韦伟邹昌宏夏建星
Owner CHINA CONSTRUCTION BANK