A service-oriented loan repayment plan testing system and method

Abstract

The present invention proposes a service-oriented loan repayment plan testing system and method. The system includes a Django Web service framework, a WEB UI module, an HTTP API module, and a repayment plan generator; the WEB UI module is used to provide a visual interface UI for users to access; the HTTP API module is used to provide external API interfaces; the Django Web service framework is used to provide URL mapping, HTTP protocol support, and MTV layered development support; the repayment plan generator includes a Views module, a loan parameter management module, a repayment plan module, and common tools. The present invention provides a loan repayment plan testing system that is easy to publish and maintain, and provides HTTP API interfaces for the integration of other programs or platforms, expanding the usage scenarios of the system.

Description

Technical Field

[0001] The present invention relates to the field of software system development, and more particularly, to a service-oriented loan repayment plan testing system and method. Background Art

[0002] The focus of the core loan testing work has always been to verify whether the amounts of fields such as principal, interest, penalty interest, compound interest, and overdue interest of the loan notes of loan products are accurate at each stage of the life cycle. These values directly affect the accuracy of subsequent transactions such as user repayment and write-off. There are many factors affecting the repayment plan, making the calculation of each field relatively cumbersome and time-consuming. For example, grace period length and interest calculation rules, whether to calculate compound interest, whether to calculate penalty interest, compound interest calculation rules, loan disbursement date, maturity date, repayment method, repayment date, overdue start date, overdue interest rate, interest rate, interest calculation rules, etc.

[0003] The traditional testing method is to confirm the above-mentioned various factors, and then manually calculate the expected results according to the calculation formula and compare them with the actual results. However, due to the large number of input factors, the large number of calculation result fields, the interactive influence between fields, and the unique batch skipping in the test environment, the cost of manual calculation is becoming increasingly unaffordable and cannot meet the requirements of faster version release testing.

[0004] Facing the cumbersome manual calculation, most banks have tried to use Excel-based formulas to improve the calculation efficiency, but there are still the following deficiencies: (1) It is not convenient to distribute after Excel is updated, and often multiple versions coexist without the users' knowledge; (2) Based on Excel formulas, the formulas are complex and difficult to read and maintain, and the maintenance cost is extremely high; (3) The tool can only be used manually and cannot be utilized by automated scripts, and the input-output ratio is limited. Summary of the Invention

[0005] In view of the above problems, the present invention provides a service-oriented loan repayment plan testing system and method, which has the characteristics of low maintenance cost, simple update and release, and consistent visual user interface and program service interface, can significantly improve the calculation efficiency of test expected results, compress the test execution cycle, and speed up the release rhythm.

[0006] To solve the above technical problems, the technical solution adopted by the present invention is as follows: A service-oriented loan repayment plan testing system, including a Django Web service framework, a WEB UI module and an HTTP API module located above the Django Web service framework, and a repayment plan generator located below the Django Web service framework; the WEB UI module is used to provide a visual interface UI for users to access; the HTTP API module is used to provide external API interfaces for an automated testing platform or other code platforms to call; the Django Web service framework is used to provide URL mapping, HTTP protocol support and MTV layered development support; the repayment plan generator includes a Views module, a loan parameter management module, a repayment plan module and common tools, the Views module is used to receive URL mapping requests, provide the obtained loan request parameters, and concatenate the main process of the repayment plan; the loan parameter management module is used to store loan parameters and calculate the loan installment plan according to the loan parameters; the repayment plan module is used to calculate the values of various fields in the loan installment plan; the common tools are used to provide general tools for calculating the loan installment plan.

[0007] As a preferred solution, the WEB UI module includes a Static unit and a Forms unit. The Static unit is used to define the static part of the UI. The static part includes static html, css script definitions and js scripts in page display. The Forms unit is used to define the forms in the UI. The forms include a basic loan parameter form, a core batch execution parameter form set and a repayment information form set.

[0008] As a preferred solution, the loan parameters include switch types, date types, grace types, interest rate types, repayment types and miscellaneous types.

[0009] The present invention also discloses a service-oriented loan repayment plan testing method, including the following steps: receiving a user loan request, using URL matching to determine the source of the loan request, and the source includes a browser or a program; according to the source of the loan request, obtaining corresponding loan parameters; according to the loan parameters, using common tools to calculate the loan installment plan; calculating the values of various fields in the loan installment plan and controlling the amount accuracy; returning the loan installment plan to the browser or the program.

[0010] As a preferred solution, if the loan request comes from a browser, the Loan_plan method is called to obtain default loan parameters or submit loan parameters; if the loan request comes from a program, the Loan_plan_cli method is called to directly submit loan parameters according to the interface definition.

[0011] As a preferred solution, after calculating the loan installment plan using general tools, it further includes modifying the loan parameters according to whether there is active repayment, and calculating the remaining loan installment plan based on the modified loan parameters.

[0012] As a preferred solution, the loan installment plan includes the first / last installment, standard installment, partial repayment settlement installment, and current remaining installment after early repayment.

[0013] As a preferred solution, calculating the values of various fields in the loan installment plan includes: determining the repayment method, calculating the bill status according to the loan parameters, calculating the batch forward running and batch skipping days, and calculating other fields.

[0014] As a preferred solution, when the loan installment plan is returned to the browser, the fields of the loan installment plan are converted into a web page file containing HTML, JS, and CSS and sent to the browser for parsing and display; when the loan installment plan is returned to the program, the fields of the loan installment plan are converted into a JSON string and sent to the program for parsing.

[0015] Compared with the prior art, the beneficial effects of the present invention include: providing a WEB service interface based on the Django framework, service-ifying the functions of the entire system, and centrally deploying, updating, and releasing; when the system was initially implemented, it referred to the usage method of existing Excel spreadsheet tools, and the usage method and display method are consistent with those of the spreadsheet tool, with almost no switching cost; the program calls the interface through the HTTP Client, and the input parameters and result data are interacted in JSON format, making it very convenient to integrate the system and can easily transform existing automated test cases; the system supports calculating the field values in the case of skipping and partial repayment, and can accurately compare various numerical values; the system only relies on the industry-standard general loan interest calculation formula, which is completely independent of the object under test, ensuring the credibility of the test case execution results after successful data comparison. The present invention provides a loan repayment plan test system that is convenient for release and easy to maintain, and provides an HTTP API interface for the integration of other programs or platforms, expanding the usage scenarios of the system. Brief Description of the Drawings

[0016] The disclosure of the present invention will be described with reference to the accompanying drawings. It should be understood that the drawings are only for illustrative purposes and are not intended to limit the scope of protection of the present invention. In the drawings, the same reference numerals are used to refer to the same components. Among them:

[0017] Figure 1 It is a schematic structural diagram of the service-ified loan repayment plan test system according to an embodiment of the present invention;

[0018] Figure 2 It is a schematic flow diagram of the service-ified loan repayment plan test method according to an embodiment of the present invention;

[0019] Figure 3 This is a schematic structural diagram of the loan repayment plan in the embodiment of the present invention. Detailed implementation manners

[0020] It is easy to understand that according to the technical solution of the present invention, without changing the essential spirit of the present invention, those of ordinary skill in the art can propose various replaceable structural manners and implementation manners. Therefore, the following detailed implementation manners and the accompanying drawings are only exemplary descriptions of the technical solution of the present invention, and should not be regarded as the whole of the present invention or as a limitation or restriction on the technical solution of the present invention.

[0021] Explanation of professional terms appearing in the following text:

[0022] The Django Web service framework is an open-source Web application framework written in Python and adopts the MTV framework mode.

[0023] URL is the Uniform Resource Locator and is the address of standard resources on the Internet.

[0024] GET is to request data from the specified resource.

[0025] POST is to submit data to be processed to the specified resource.

[0026] According to an embodiment of the present invention in combination with Figure 1 Shown is a service-oriented loan repayment plan test system, including a Django Web service framework, a WEB UI module and an HTTP API module located above the Django Web service framework, and a repayment plan generator located below the Django Web service framework.

[0027] The WEB UI module is used to provide a visual interface UI for users to access. The WEB UI module includes a Static unit and a Forms unit. Among them, the Static unit is used to define the static part of the UI. The static part includes static html, css script definitions and js scripts in the page display, and the static display part of the page after receiving user requests or tool responses, such as layout and style. The Forms unit is used to define the forms in the UI. The forms include a loan basic parameter form, a core batch execution parameter form set, a repayment information form set, etc.

[0028] The HTTP API module is used to provide external API interfaces for an automated test platform or other code platforms to call; the Django Web service framework is used to provide URL mapping, HTTP protocol support and MTV layered development support.

[0029] The above repayment plan generator includes a Views module, a loan parameter management module, a repayment plan module, and public tools.

[0030] The Views module is used to receive URL mapping requests, provide the obtained loan request parameters, concatenate the main process of the repayment plan, convert results, etc. For example, requests from browser clients are mapped to the loan_plan method, and requests from program clients are mapped to the loan_plan_cli method.

[0031] The loan parameter management module provides loan parameter management functions, used to store loan parameters, and calculate the loan installment plan according to the loan parameters. Loan parameters include switch types (grace period interest calculation switch, compound interest calculation switch, penalty interest calculation switch, compound interest calculation switch, etc.), date types (loan start date, maturity date, current date, overdue start date, etc.), grace period types (grace period, grace period interest calculation rules, etc.), interest rate types (normal annual interest rate, overdue annual interest rate, etc.), repayment types (repayment types, early repayment types, repayment amounts, etc.), and miscellaneous types (loan amount, repayment method, installment repayment date, forward running start and end information, etc.).

[0032] The repayment plan module is used to calculate the values of various fields in the loan installment plan, including installment number, interest calculation days, start date, repayment date, interest calculation days, previous repayment date, principal due, interest due, total principal and interest, grace period maturity date, overdue principal, accrued interest, accrued, overdue interest receivable, accrued penalty interest, accrued interest, off-balance sheet accrued interest, off-balance sheet overdue interest, off-balance sheet accrued penalty interest, off-balance sheet penalty interest, off-balance sheet accrued interest, accrued compound interest, compound interest receivable fields.

[0033] The public tools are used to provide general tools for calculating the loan installment plan, such as precision decorators, global enumeration values, etc.

[0034] See Figure 2 , the present invention also discloses a service-oriented loan repayment plan testing method, including the following steps:

[0035] S1, receive a user loan request, and use URL matching to determine the source of the loan request. The sources include browsers or programs.

[0036] If the loan request comes from a browser, call the Loan_plan method to obtain default loan parameters or submit loan parameters; if the loan request comes from a program, call the Loan_plan_cli method and directly submit loan parameters according to the interface definition.

[0037] S2, according to the source of the loan request, obtain the corresponding loan parameters; according to the loan parameters, use general tools to calculate the loan installment plan.

[0038] After calculating the loan installment plan using a general tool, it also includes modifying the loan parameters based on whether there is proactive repayment and calculating the remaining loan installment plan based on the modified loan parameters.

[0039] S3. Calculate the values of various fields in the loan installment plan and control the amount accuracy. Calculating the values of various fields in the loan installment plan includes: judging the repayment method, calculating the bill status according to the loan parameters, calculating the batch forward running and batch skipping days, and calculating other fields. Among them, the bill status includes normal, grace period, overdue, and non-accrual. The highest progress is adopted for the accuracy during the loan installment calculation process to avoid accuracy loss, but it is not suitable for loan practice. Therefore, the progress needs to be controlled before the final display, and the display progress is controlled to cents.

[0040] Batch skipping: Skipping is relative to forward running. Forward running means switching to the corresponding batch points (such as the interest settlement date) day by day in the order of the accounting date, while skipping is switching without following the order, for example, directly jumping from February 1st to February 10th, saving the test batch execution time.

[0041] See Figure 3 As mentioned above, the above loan installment plan includes the first / last installment, standard installment, partial repayment settlement installment, and the current remaining installment after early repayment. Then, the calculation of the values of various fields in each loan installment plan is as follows:

[0042] (1) First / last installment: The interest calculation days may exceed one month or be less than one month, so special treatment is required.

[0043] For the interest calculation where the overall installment exceeds one month, two cases need to be distinguished: When the current time is between [start date ~ start date + 1 month): The interest calculation rule needs to be calculated according to the whole month 00 rule, and the daily interest rate = annual interest rate / months / monthly days. When the current time is between [start date + 1 month ~ interest settlement date): The interest calculation rule needs to be calculated according to the fractional part 10 rule, and the daily interest rate = annual interest rate / 360.

[0044] For the interest calculation where the overall installment is less than one month, the interest calculation rule needs to be calculated according to the fractional part 10 rule.

[0045] (2) Standard installment: That is, the ordinary installment, which does not require special treatment and can be calculated according to the standard calculation formula. The main formulas are as follows, taking the equal principal and interest as an example:

[0046] ① The total principal and interest of the standard installment = [principal * annual interest rate * (1 + annual interest rate) * number of repayment periods] / [(1 + annual interest rate) * number of repayment periods - 1];

[0047] ② The principal repaid in the first installment = the amount repaid per period - the initial interest payable;

[0048] ③Principal of the repayment at the end of the period = Total loan amount - Repaid principal;

[0049] ④Initial interest payable = 00 rule or 10 rule;

[0050] For a full month (00 rule): Formula for accrued interest = Remaining principal * Normal interest rate / 1200 / Number of days in the current month * (Current interest settlement date - Previous repayment date);

[0051] For the fractional part (10 rule): Formula for accrued interest = Remaining principal * Normal interest rate / 36000 * (Current interest settlement date - Previous repayment date);

[0052] ⑤Principal payable = Amount of each repayment - Initial interest payable;

[0053] ⑥Accrued interest = Calculated in a similar way to the interest payable, with "Current interest settlement date" replaced by the current time;

[0054] ⑦Overdue interest receivable = When it is overdue after the interest is settled on the repayment date, the accrued interest is transferred to the overdue interest receivable;

[0055] ⑧Accrued penalty interest distinguishes between interest calculation during the grace period and non - interest calculation;

[0056] No interest is calculated during the grace period: Formula for accrued penalty interest = Overdue principal * Overdue interest rate / 36000 * Number of overdue days;

[0057] Interest is calculated during the grace period: Formula for accrued penalty interest = Overdue principal * Overdue interest rate / 36000 * Number of overdue days - Overdue principal * Normal interest rate / 36000 * Grace period;

[0058] ⑨Penalty interest receivable = Calculated in a similar way to the accrued penalty interest formula, and the number of overdue days is the sum of the interest - bearing days from the start of the overdue to the current installment payment;

[0059] ⑩Accrued compound interest = (Overdue interest receivable + Penalty interest) * Overdue interest rate / 360 / 100 * Number of overdue days; Note: Within one overdue period, the grace period needs to be considered;

[0060] Compound interest receivable = Calculated in a similar way to the accrued compound interest formula, using the interest settlement date to calculate the number of overdue days.

[0061] Note: The values of off - balance - sheet principal and interest fields are essentially the carry - over of on - balance - sheet principal and interest, which will not be elaborated here.

[0062] (3) Installment payment for partial repayment and settlement: For the installment payment information generated by the user's early repayment before the interest settlement date, the following special treatments are required:

[0063] Installment payment date = Early repayment date;

[0064] Grace period expiration date = Early repayment date;

[0065] Previous repayment date = Early repayment date;

[0066] The number of interest - bearing days = early repayment date - start date of installment payment;

[0067] Principal to be repaid = early repayment principal;

[0068] Accrued interest and interest provision are fixed at 0;

[0069] The remaining fields are the same as the standard installment payment.

[0070] (4) Current remaining installments after early repayment: The previous repayment date = early repayment date; The number of interest - bearing days = repayment date of the same - period standard installment payment - early repayment date; Interest to be repaid, principal to be repaid, interest provision, and total principal and interest to be repaid per period = recalculated according to the new loan parameters according to the standard installment payment formula; The remaining fields are the same as the standard installment payment.

[0071] Change of loan parameters for early repayment: After early repayment, the repayment plan needs to recalculate the installment plan according to the new loan parameters, and the update logic is as follows:

[0072] 1. The new loan amount = remaining principal of the current period of the original installment - amount of the principal for this early repayment;

[0073] 2. The loan start date = start date of the current period of the original installment plan;

[0074] 3. The total number of installment periods = recalculated according to the new loan start date;

[0075] 4. The standard total principal and interest for equal - principal - and - interest repayment = recalculated according to the new loan start date and loan amount;

[0076] 5. The early repayment amount = 0;

[0077] 6. The installment period number = original installment period number+new installment period number - 1.

[0078] S4, return the loan installment plan to the browser or program. When the loan installment plan is returned to the browser, convert the fields of the loan installment plan into a web page file containing HTML, JS, and CSS, and send it to the browser for parsing and display; when the loan installment plan is returned to the program, convert the fields of the loan installment plan into a JSON string and send it to the program for parsing.

[0079] The usage process of the loan repayment plan testing system of the present invention is described below:

[0080] 1. UI interface for ordinary users

[0081] Ordinary users can use any browser to access this test system. In the request page, various parameters for determining the repayment plan are included, and the page displays the respective forms defined in Forms for submitting loan parameters. In the repayment plan details page, the whole page is divided into two parts: the request parameter echo part and the loan installment plan field part.

[0082] 2. Program HTTP API Interface

[0083] Any program that supports the HTTP protocol can interact with this system through HTTP POST messages, and the data is transmitted in JSON format.

[0084] 3. Example of Automation Platform Integration

[0085] For the example of integrating this system with the automation platform, this system can be integrated and used through the following modifications.

[0086] Step 1: Collect loan account opening parameters, which can be directly obtained from the input parameters of the account opening transaction without transformation, and preset the batch running parameters batchGapList and repayment parameters repayList as default values for backup. Both parameter types are List.

[0087] Step 2: Collect batch running parameters and transform the core batch keywords. After this batch execution, batchGapList will increase by the current batch value on the existing basis. For example, after executing the batch twice, it will be in the following form:

[0088]

[0089] Step 3: Collect repayment parameters, which can be directly referenced from the input parameters of the repayment transaction without transformation. For multiple repayments, they need to be added as a list. For example, for two repayments, the parameters will be in the following form:

[0090]

[0091] Step 4: Submit the prepared parameters to obtain the entire repayment plan data at one time. The sample of the tool feedback repayment plan data message is as follows:

[0092]

[0093]

[0094]

[0095] Step 5: After normally triggering the transaction, when comparing the results, extract the corresponding fields from the tool data obtained in the previous step and compare them with the actual fields to determine whether the test result passes.

[0096] The principle of field acquisition is based on keyword logic to actually compare the fields starting with "GET_FROM_TOOL" with the corresponding fields obtained by the subscript method in the response message JSON string.

[0097] In summary, the beneficial effects of the present invention include: providing a WEB service interface based on the Django framework to service-ize the functions of the entire system for centralized deployment, centralized update, and centralized release; at the beginning of the implementation of the system, referring to the usage method of the existing Excel spreadsheet tool, the usage method is consistent with the display method of the spreadsheet tool, and there is almost no switching cost; the program calls the interface through HTTPClient, and the input parameters and result data are interacted in JSON format, making it very convenient to integrate the system and can easily transform the existing automated test cases; the system supports the calculation of skipping and the calculation of field values in the case of partial repayment, can accurately compare various numerical values, and closely fits the test practice; the system only relies on the industry-standard general loan interest calculation formula, which is completely independent of the object under test, ensuring the credibility of the test case execution results after successful data comparison. The present invention provides a loan repayment plan test system that is easy to release and maintain, and provides an HTTP API interface for the integration of other programs or platforms, expanding the usage scenarios of the system.

[0098] It should be understood that if the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product stored in a storage medium, including several instructions for causing a computer device (which can be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of the present invention. The aforementioned storage medium includes: USB flash drives, mobile hard disks, read-only memories (ROM, Read-Only Memory), random access memories (RAM, Random Access Memory), magnetic disks, or optical discs, etc., which can store program codes.

[0099] The technical scope of the present invention is not limited to the content described above. Those skilled in the art can make various deformations and modifications to the above embodiments without departing from the technical idea of the present invention, and these deformations and modifications should all fall within the protection scope of the present invention.

Claims

1. A service-oriented loan repayment plan testing system, characterized in that, It includes the Django Web service framework, a WEB UI module and an HTTP API module located above the Django Web service framework, and a repayment plan generator located below the Django Web service framework; The WEB UI module is used to provide a visual interface UI for users to access; The HTTP API module is used to provide external API interfaces for an automated testing platform or other code platforms to call; The Django Web service framework is used to provide URL mapping, HTTP protocol support, and MTV layered development support; The repayment plan generator includes a Views module, a loan parameter management module, a repayment plan module, and common tools. The Views module is used to receive URL mapping requests, provide the obtained loan request parameters, and concatenate the main process of the repayment plan. The loan parameter management module is used to store loan parameters and calculate the loan installment plan according to the loan parameters. The repayment plan module is used to calculate the values of various fields in the loan installment plan. The common tools are used to provide general tools for calculating the loan installment plan; Among them, the automated testing platform calls this test system through the API interface, including: Step 1: Collect loan account opening parameters, directly obtain them from the input parameters of the account opening transaction without modification, and preset the batch running parameters batchGapList and repayment parameters repayList as default values for backup. Both parameter types are List; Step 2: Collect batch running parameters, transform the core batch keywords, and after this batch execution, the batch running parameters batchGapList will all increase by the current batch value on the existing basis; Step 3: Collect repayment parameters, directly reference the input parameters of the repayment transaction without modification, and add multiple repayments as a list; Step 4: Submit the prepared parameters to obtain the entire repayment plan data at once; Step 5: After normally triggering the transaction, take out the comparison results of the corresponding fields and the actual fields from the tool data obtained in the previous step to determine whether the test result passes.

2. The service-oriented loan repayment plan testing system according to claim 1, characterized in that, The WEB UI module includes a Static unit and a Forms unit. The Static unit is used to define the static part of the UI. The static part includes static html, css script definitions, and js scripts in the page display. The Forms unit is used to define the forms in the UI. The forms include a loan basic parameter form, a core batch execution parameter form set, and a repayment information form set.

3. The service-oriented loan repayment plan testing system according to claim 1, wherein The loan parameters include switch types, date types, grace types, interest rate types, repayment types, and miscellaneous types.

4. A service-oriented loan repayment plan testing method, running on the loan repayment plan testing system according to any one of claims 1-3, characterized in that, It includes the following steps: Receive a user loan request, and use URL matching to determine the source of the loan request. The source includes a browser or a program; According to the source of the loan request, obtain the corresponding loan parameters; According to the loan parameters, use common tools to calculate the loan installment plan; Calculate the values of various fields in the loan installment plan and control the amount accuracy; Return the loan installment plan to the browser or the program.

5. The service-oriented loan repayment plan testing method according to claim 4, wherein: If the loan request comes from a browser, the Loan_plan method is called to obtain default loan parameters or submit loan parameters; If the loan request comes from a program, the Loan_plan_cli method is called to directly submit loan parameters according to the interface definition.

6. The service-oriented loan repayment plan testing method according to claim 4, wherein After calculating the loan installment plan using the general tool, it further includes correcting the loan parameters according to whether there is active repayment, and calculating the remaining loan installment plan based on the corrected loan parameters.

7. The service-oriented loan repayment plan testing method according to claim 4, characterized in that The loan installment plan includes the first / last installment, standard installment, partial repayment settlement installment, and the current remaining installment after early repayment.

8. The service-oriented loan repayment plan testing method according to claim 4, wherein Calculating the values of multiple fields in the loan installment plan includes: determining the repayment method, calculating the note status based on the loan parameters, calculating the batch sequential running and batch skipping days, and calculating other fields.

9. The service-oriented loan repayment plan testing method according to claim 4, wherein When the loan installment plan is returned to the browser, the fields of the loan installment plan are converted into a web page file containing HTML, JS, and CSS and sent to the browser for parsing and display; when the loan installment plan is returned to the program, the fields of the loan installment plan are converted into a JSON string and sent to the program for parsing.

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