Repayment amount determination method and device, equipment, storage medium and computer program product

Abstract

The invention discloses a repayment amount determination method and device, equipment, a storage medium and a computer program product, and relates to the technical field of data processing, and the method comprises the steps: obtaining repayment copy data of a user based on original repayment data of the user; generating an original repayment result based on the original repayment data through an original repayment amount determination mode; generating a predicted repayment result based on the repayment copy data through a target repayment amount determination mode; judging whether the target repayment amount determination mode is reasonable based on the original repayment result and the predicted repayment result; and when the target repayment amount determination mode is reasonable, determining a repayment amount corresponding to the user based on the user isolation strategy and the target repayment amount determination mode. By applying the technical mode, the technical problem that the error rate of the repayment amount calculation is increased when the repayment amount calculation mode of the credit card automatic repayment system in the prior art changes frequently is solved.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a repayment amount determination method, apparatus, device, storage medium and computer program product. Background Art

[0002] The automatic credit card repayment system undertakes important functions directly facing customers, such as repayment amount calculation, repayment transaction processing, and repayment result push. If the repayment is not timely or the repayment amount is insufficient, it will cause the customer to be overdue and affect the customer's credit. If the repayment is too much, it will occupy the customer's funds and cause customer dissatisfaction. Therefore, customers are particularly sensitive to the calculation of the repayment amount. Any slight error will lead to customer complaints and affect the customer experience.

[0003] At present, with the continuous development of banking business, various new types of transactions, such as installments, returns, etc., each new transaction will cause changes in the method of calculating the repayment amount. Once the method of calculating the repayment amount changes, manual intervention is usually required, and due to the large number of processing procedures, the risk of errors in calculating the repayment amount increases, which can easily lead to production accidents.

[0004] The above contents are only used to assist in understanding the technical solution of the present invention and do not constitute an admission that the above contents are prior art. Summary of the invention

[0005] The main purpose of this application is to provide a repayment amount determination method, device, equipment, storage medium and computer program product, aiming to solve the technical problem in the prior art that the automatic credit card repayment system has an increased error rate in repayment amount calculation when the repayment amount calculation method changes frequently.

[0006] To achieve the above purpose, this application proposes a method for determining the repayment amount, the method comprising:

[0007] Acquiring the user's repayment copy data based on the user's original repayment data;

[0008] Generating an original repayment result based on the original repayment data by an original repayment amount determination method;

[0009] Generating a predicted repayment result based on the repayment copy data by a target repayment amount determination method;

[0010] Determining whether the method for determining the target repayment amount is reasonable based on the original repayment result and the predicted repayment result;

[0011] When the target repayment amount determination method is reasonable, the repayment amount corresponding to the user is determined based on the user isolation strategy and the target repayment amount determination method.

[0012] In one embodiment, the step of judging whether the method for determining the target repayment amount is reasonable based on the original repayment result and the predicted repayment result includes:

[0013] Obtaining a repayment result difference based on the original repayment result and the predicted repayment result;

[0014] Extracting a first calculation feature and a first strategy feature from the original repayment amount determination method;

[0015] Extracting a second calculation feature and a second strategy feature from the target repayment amount determination method;

[0016] Whether the method for determining the target repayment amount is reasonable is judged based on the repayment result difference, the first calculation feature, the first strategy feature, the second calculation feature and the second strategy feature.

[0017] In one embodiment, the step of judging whether the target repayment amount determination method is reasonable based on the repayment result difference, the first calculation feature, the first strategy feature, the second calculation feature, and the second strategy feature includes:

[0018] determining an element difference based on the first calculated feature and the second calculated feature;

[0019] determining a characteristic difference based on the first policy characteristic and the second policy characteristic;

[0020] Determine whether the repayment result difference, the element difference and the feature difference are reasonable differences;

[0021] Based on the judgment result, determine whether the method for determining the target repayment amount is reasonable.

[0022] In one embodiment, when the target repayment amount determination method is reasonable, the step of determining the repayment amount corresponding to the user based on the user isolation strategy and the target repayment amount determination method includes:

[0023] When the method for determining the target repayment amount is reasonable, generating a repayment user whitelist based on the user isolation strategy;

[0024] Switching the repayment amount determination method of the users in the repayment user whitelist to the target repayment amount determination method;

[0025] The repayment amounts corresponding to the users in the repayment user whitelist are determined by the target repayment amount determination method.

[0026] In one embodiment, after the step of determining the repayment amount corresponding to the user in the repayment user whitelist by the target repayment amount determination method, the step further includes:

[0027] Verify the repayment amount in real time;

[0028] When the verification is passed, the repayment user whitelist is updated through a preset user extension strategy;

[0029] When the update is completed, return to the step of switching the repayment amount determination method for the users in the repayment user whitelist to the target repayment amount determination method.

[0030] In one embodiment, after the step of switching the repayment amount determination method of the users in the repayment user whitelist to the target repayment amount determination method, the method further includes:

[0031] The repayment amounts corresponding to all users outside the repayment user whitelist are determined by the original repayment amount determination method.

[0032] In addition, to achieve the above purpose, the present application also proposes a repayment amount determination device, the device comprising:

[0033] A data acquisition module, used for acquiring the user's repayment copy data based on the user's original repayment data;

[0034] A repayment result generating module, used for generating an original repayment result based on the original repayment data by using an original repayment amount determination method;

[0035] The repayment result generating module is further used to generate a predicted repayment result based on the repayment copy data by a target repayment amount determination method;

[0036] A rationality judgment module, used to judge whether the method for determining the target repayment amount is reasonable based on the original repayment result and the predicted repayment result;

[0037] The repayment amount determination module is used to determine the repayment amount corresponding to the user based on the user isolation strategy and the target repayment amount determination method when the target repayment amount determination method is reasonable.

[0038] In addition, to achieve the above-mentioned purpose, the present application also proposes a repayment amount determination device, which includes: a memory, a processor, and a computer program stored on the memory and executable on the processor, and the computer program is configured to implement the steps of the repayment amount determination method as described above.

[0039] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by the processor, the steps of the repayment amount determination method as described above are implemented.

[0040] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the steps of the repayment amount determination method as described above.

[0041] The present application provides a repayment amount determination method, which discloses obtaining a user's repayment copy data based on the user's original repayment data; generating an original repayment result based on the original repayment data through an original repayment amount determination method; generating a predicted repayment result based on the repayment copy data through a target repayment amount determination method; judging whether the target repayment amount determination method is reasonable based on the original repayment result and the predicted repayment result; when the target repayment amount determination method is reasonable, determining the corresponding repayment amount of the user based on the user isolation strategy and the target repayment amount determination method; compared with the prior art, when the repayment amount calculation method changes, manual intervention is usually required, and due to more processing procedures, the risk of repayment amount calculation errors is easily increased. Since the present invention generates an original repayment result and a predicted repayment result through an original repayment amount determination method and a target repayment amount determination method respectively to judge whether the target repayment amount determination method is reasonable, and when the target repayment amount determination method is reasonable, the corresponding repayment amount of the user is determined based on the target repayment amount determination method, thereby solving the technical problem of the prior art that the automatic credit card repayment system causes an increased error rate in repayment amount calculation when the repayment amount calculation method changes frequently. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0043] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0044] Figure 1 A flowchart of the first embodiment of the method for determining the repayment amount of the application;

[0045] Figure 2 A flowchart of the second embodiment of the method for determining the repayment amount of the present application is provided;

[0046] Figure 3 A flowchart of the third embodiment of the method for determining the repayment amount of the present application is provided;

[0047] Figure 4A diagram showing the stages in the method of determining the repayment amount for this application;

[0048] Figure 5 This is a schematic diagram of the module structure of the repayment amount determination device in the embodiment of the present application;

[0049] Figure 6 This is a schematic diagram of the device structure of the hardware operating environment involved in the repayment amount determination method in the embodiment of the present application.

[0050] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0051] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0052] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0053] The main solution of the embodiment of the present application is: obtaining the repayment copy data of the user based on the user's original repayment data; generating an original repayment result based on the original repayment data through an original repayment amount determination method; generating a predicted repayment result based on the repayment copy data through a target repayment amount determination method; judging whether the target repayment amount determination method is reasonable based on the original repayment result and the predicted repayment result; when the target repayment amount determination method is reasonable, determining the repayment amount corresponding to the user based on the user isolation strategy and the target repayment amount determination method.

[0054] In the prior art, human intervention is usually required when the repayment amount calculation method changes, and due to the large number of processing procedures, the risk of errors in the repayment amount calculation is easily increased, which in turn easily leads to production accidents.

[0055] The present application provides a solution, which can generate an original repayment result and a predicted repayment result through the original repayment amount determination method and the target repayment amount determination method respectively, so as to judge whether the target repayment amount determination method is reasonable, and determine the corresponding repayment amount of the user based on the target repayment amount determination method when the target repayment amount determination method is reasonable, thereby solving the technical problem in the prior art that the error rate of repayment amount calculation increases when the repayment amount calculation method changes frequently in the automatic repayment system of credit cards.

[0056] It should be noted that the execution subject of this embodiment can be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device capable of realizing the above functions, a repayment amount determination device, etc. The following takes the repayment amount determination device as an example (hereinafter referred to as the device) to illustrate this embodiment and the following embodiments.

[0057] Based on this, the present application embodiment provides a method for determining the repayment amount, referring to Figure 1 , Figure 1 This is a flow chart of the first embodiment of the method for determining the repayment amount of this application.

[0058] In this embodiment, the repayment amount determination method includes steps S10 to S50:

[0059] Step S10: Acquire the user's repayment copy data based on the user's original repayment data.

[0060] It should be understood that the above original repayment data may be data used to calculate the repayment amount of the user's credit card, and the original repayment data in this embodiment may include but is not limited to the user's transaction data. Correspondingly, the repayment copy data may be copy data obtained by copying the user's original repayment data.

[0061] Step S20: Generate an original repayment result based on the original repayment data by using the original repayment amount determination method.

[0062] It should be noted that the above-mentioned original repayment amount determination method can be a method of calculating the user's credit card repayment amount using the old formula. In this embodiment, the old formula can be used to calculate the amount that the user currently needs to repay based on the user's credit card repayment data to obtain the above-mentioned original repayment result, wherein the original repayment result is the user's repayment amount and other information obtained by using the old formula.

[0063] Step S30: Generate a predicted repayment result based on the repayment copy data by using a target repayment amount determination method.

[0064] It should be noted that the above target repayment amount determination method can be a method of using the adjusted new formula to calculate the user's credit card repayment amount. In this embodiment, the adjusted new formula can be used to calculate the amount that the user currently needs to repay based on the user's repayment copy data to obtain the above predicted repayment result, wherein the predicted repayment result is the user's repayment amount and other information obtained by using the adjusted new formula.

[0065] Step S40: judging whether the method for determining the target repayment amount is reasonable based on the original repayment result and the predicted repayment result.

[0066] In this embodiment, the device can extract the repayment data in the original repayment result and the predicted repayment result respectively through the preset calculation data comparison platform, and compare these data to obtain the difference data between the original repayment result and the predicted repayment result, and then judge whether these difference data are reasonable, and then judge whether the method for determining the target repayment amount is reasonable. Specifically, if the difference data between the original repayment result and the predicted repayment result is a reasonable difference, then it is judged that the method for determining the target repayment amount is reasonable; if the difference data between the original repayment result and the predicted repayment result is an unreasonable difference, then it is judged that the method for determining the target repayment amount is unreasonable.

[0067] Step S50: When the target repayment amount determination method is reasonable, the repayment amount corresponding to the user is determined based on the user isolation strategy and the target repayment amount determination method.

[0068] It should be noted that the above user isolation strategy can be a strategy of planning users into several groups, with a small number of user groups first switching to a new repayment amount determination method, and the remaining user groups continuing to use the original repayment amount determination method to calculate the repayment amount.

[0069] It should be noted that after the existing credit card automatic repayment system switches from the old to the new repayment formula, developers and business personnel are usually required to sample data together. Developers find several cases and send them to business personnel for inspection. In order to cover as many scenarios as possible, it takes a lot of time, and verification also takes a long time, and the coverage is limited. In this solution, the combination of replicas and isolation solves the problem of uncontrollable impact range during the iterative release of the self-deducted repayment calculation formula and the risk of manual verification failure when the calculation formula is released, which greatly reduces the risk caused by the iteration of the calculation formula, realizes the simultaneous execution of the production environment verification process and the normal sending process, isolates each other, and does not affect each other, enhancing the availability and robustness of the system.

[0070] In the specific implementation, the device can use user isolation to plan users into several groups, among which a small number of users will switch to the new formula first, that is, these users will first use the target repayment amount determination method to calculate the repayment amount (at this time, the remaining users will still use the original repayment amount determination method to calculate the repayment amount), observe the operating effect, and then gradually switch to other groups after it meets expectations, and finally achieve all customers switching to the new formula to calculate the repayment amount. This solution has a high reliability in switching the repayment calculation method through this method, while improving the automation level, reducing the workload of business personnel, and reducing the error rate of repayment amount calculation.

[0071] The present embodiment provides a repayment amount determination method, which discloses obtaining the user's repayment copy data based on the user's original repayment data; generating an original repayment result based on the original repayment data through an original repayment amount determination method; generating a predicted repayment result based on the repayment copy data through a target repayment amount determination method; judging whether the target repayment amount determination method is reasonable based on the original repayment result and the predicted repayment result; when the target repayment amount determination method is reasonable, determining the corresponding repayment amount of the user based on the user isolation strategy and the target repayment amount determination method; compared with the prior art, when the repayment amount calculation method changes, manual intervention is usually required, and due to the large number of processing procedures, the risk of repayment amount calculation errors is easily increased. Since the present embodiment generates the original repayment result and the predicted repayment result through the original repayment amount determination method and the target repayment amount determination method respectively to judge whether the target repayment amount determination method is reasonable, and when the target repayment amount determination method is reasonable, the corresponding repayment amount of the user is determined based on the target repayment amount determination method, thereby solving the technical problem of the prior art that the automatic credit card repayment system causes an increased error rate in repayment amount calculation when the repayment amount calculation method changes frequently.

[0072] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those in the above-mentioned embodiment 1 can be referred to the above introduction, and will not be repeated in the following. Figure 2 , Figure 2 A flowchart of the second embodiment of the method for determining the repayment amount of this application is provided.

[0073] In this embodiment, step S40 includes steps S401 to S404:

[0074] Step S401: Obtaining a repayment result difference based on the original repayment result and the predicted repayment result.

[0075] It is understandable that the above-mentioned difference in repayment results is the difference between the data in the original repayment result and the predicted repayment result.

[0076] Step S402: extracting a first calculation feature and a first strategy feature from the original repayment amount determination method.

[0077] It should be noted that the above-mentioned first calculation feature can be a parameter feature involved in calculating the amount in the original repayment amount determination method, for example: an element for calculating the user's refund amount; the above-mentioned first strategy feature can be a user-configured feature that determines the calculation method in the original repayment amount determination method, for example: a rule for calculating the user's refund amount.

[0078] Step S403: extracting a second calculation feature and a second strategy feature from the target repayment amount determination method.

[0079] It should be understood that the above-mentioned first calculation feature can be a parameter feature involved in calculating the amount in the target repayment amount determination method; the above-mentioned first strategy feature can be a user-configured feature that determines the calculation method in the target repayment amount determination method.

[0080] Step S404: judging whether the method for determining the target repayment amount is reasonable based on the repayment result difference, the first calculation feature, the first strategy feature, the second calculation feature and the second strategy feature.

[0081] Specifically, the step 404 includes: determining the element difference based on the first calculation feature and the second calculation feature; determining the feature difference based on the first strategy feature and the second strategy feature; respectively judging whether the repayment result difference, the element difference and the feature difference are reasonable differences; and judging whether the method for determining the target repayment amount is reasonable based on the judgment result.

[0082] It is understandable that the above-mentioned element difference can be the difference between the elements involved in the amount calculation in the first calculation feature and the second calculation feature; correspondingly, the above-mentioned feature difference can be the difference between the calculation rules in the first strategy feature and the second strategy feature. In this embodiment, it can be judged whether the repayment result difference, element difference and feature difference are reasonable. If these differences are all reasonable differences, it indicates that the method for determining the target repayment amount is reasonable.

[0083] In a specific implementation, when calculating the automatic repayment amount of a user, a copy of data can be created for the user who needs to be calculated, and the above-mentioned repayment copy data can be obtained. Then, the original repayment data continues to be processed by the old calculation formula process (i.e., the repayment amount is calculated according to the original repayment amount determination method), and the repayment copy data enters the new formula processing process (i.e., the repayment amount is calculated according to the target repayment amount determination method). The calculation result of the new formula falls into a special calculation comparison table, and the result data of the new and old formula calculations are extracted by a special calculation comparison platform, and a comparison report is produced every day. The report will show the difference data of the new and old calculation results, and summarize and classify them. At the same time, in this embodiment, a comparison rule can be set, and the rule includes a comparison of the calculation elements (including the above-mentioned first calculation feature and the second calculation feature) and the strategy elements (including the above-mentioned first strategy feature and the second strategy feature) of the new and old formulas. If the element values ​​are inconsistent, the element is marked as a difference, and the difference is set to be selected as reasonable or unreasonable, wherein the unreasonable difference can be highlighted for analysis by business personnel. If the business personnel think the difference is reasonable, they can adjust the rules to re-divide the difference analysis strategy to reduce unreasonable differences. If it is unreasonable, they can determine the modification plan and continuously iterate and adjust until all differences are reasonable differences. For example, in the actual comparison, the return amount element is introduced in the new formula but not in the old formula. The result difference caused by this element can be considered a reasonable difference. At this time, the rules can be configured. The difference in calculation results caused by the difference in return elements when other elements are the same can be considered a reasonable difference. If the calculation elements of the new and old formulas are the same but the results are different, the difference is considered an unreasonable difference. Further analysis of the reasons is required to determine whether it is a business logic problem or a code implementation problem, and then adjustments are made to prevent such differences from occurring again. By analogy, each new element introduced into the amount calculation formula can be processed similarly to determine whether the calculation results meet expectations, until all differences are reasonable differences, at which time the new formula is considered reasonable.

[0084] In this embodiment, it is disclosed to obtain the difference in repayment results based on the original repayment result and the predicted repayment result; extract the first calculation feature and the first strategy feature from the original repayment amount determination method; extract the second calculation feature and the second strategy feature from the target repayment amount determination method; based on the difference in repayment results, the first calculation feature, the first strategy feature, the second calculation feature and the second strategy feature, judge whether the target repayment amount determination method is reasonable, so that the rationality of the target repayment amount determination method can be improved, thereby improving the accuracy of the repayment amount calculation.

[0085] Based on the first embodiment and / or the second embodiment of the present application, in the third embodiment of the present application, the same or similar contents as those in the above embodiments can be referred to the above introduction, and will not be described in detail later. Figure 3 , Figure 3A flowchart of the third embodiment of the method for determining the repayment amount of this application is provided.

[0086] In this embodiment, step S50 includes steps S501 to S503:

[0087] Step S501: When the target repayment amount determination method is reasonable, a repayment user whitelist is generated based on the user isolation strategy.

[0088] It should be noted that the repayment user whitelist may be a list consisting of users who need to switch the repayment amount calculation method.

[0089] Step S502: Switch the repayment amount determination method for the users in the repayment user whitelist to the target repayment amount determination method.

[0090] Step S503: Determine the repayment amount corresponding to the user in the repayment user whitelist by using the target repayment amount determination method.

[0091] In actual applications, the device can set up the whitelist + tail number function based on the user isolation strategy. In the process of switching the original repayment amount determination method to the target repayment amount determination method, the whitelist function can be enabled first. First, only the users in the whitelist are cut into the new formula to calculate the repayment amount. Non-whitelist customers are not affected and still use the old formula to calculate the repayment amount. In this way, the impact of the new formula can be controlled within the whitelist.

[0092] Furthermore, after step S503, the method also includes: verifying the repayment amount in real time; when the verification is passed, updating the repayment user whitelist through a preset user extension strategy; when the update is completed, returning to the step of switching the repayment amount determination method for the users in the repayment user whitelist to the target repayment amount determination method.

[0093] It should be noted that the device can verify the calculation results of the repayment amount of the users in the whitelist in real time. If the calculation results of the repayment amount of the users in the whitelist are correct, the repayment user whitelist can be updated in real time to expand the scope of the whitelist. For example, if the first batch of whitelist users only has a dozen people, mainly composed of internal personnel such as product managers, business personnel, and developers, after the first batch of personnel are verified, the second batch of whitelists will be expanded to all employees of the card center, reaching a scale of thousands of people; the third batch will be expanded to all employees of the bank, reaching a scale of tens of thousands of people; after the internal users are completed, from the fourth batch to the subsequent batches, external users will be officially enabled, and external users will be gradually switched through the tail number function. The system supports customer tail numbers 00 to 99 control, that is, each tail number corresponds to 1% of the customer volume, and the business department can carry out 1%, 5%, 10%, 30%, 50% according to the plan, until the final 100%.

[0094] It should be noted that the existing credit card repayment system usually only verifies a limited number of customers, and then performs subsequent repayment transaction processing after completion, which takes effect on all customers who repay on the same day. Once a problem is not discovered, the impact range is very large, and the switching risk is very high. By switching the repayment amount calculation formula in the above manner in this embodiment, once an abnormality occurs in the middle, it can be switched back. Compared with the existing method, the repayment calculation method of this solution is more accurate, the risk is controllable, and the operability is enhanced.

[0095] Furthermore, the step S502 also includes: determining the repayment amounts corresponding to all users outside the repayment user whitelist by using the original repayment amount determination method.

[0096] It can be understood that while the device uses the target repayment amount determination method to calculate the repayment amount for users in the repayment user whitelist, it can also use the original repayment amount determination method to calculate the repayment amount for all users outside the repayment user whitelist. The two are performed simultaneously without interfering with each other, thereby improving the user experience.

[0097] In the specific implementation, refer to Figure 4 , Figure 4 This is a diagram showing the stages in the method for determining the repayment amount for this application. Figure 4 As shown, this solution can include the account comparison stage, the flow switching stage and the real-time self-deduction stage. In the account comparison stage, the device can first perform a self-deduction pre-check based on the original document of automatic deduction, and make a 1:1 copy of the user's original repayment data, establish a user copy to run the new formula output result, and automatically compare it with the calculation result of the user's old formula, and then generate a feedback file based on the comparison result for business analysis and adjustment; in the flow switching stage, after the device performs a self-deduction pre-check based on the original document of automatic deduction, the user can be planned into several groups, and a small group of employees in the bank will switch to the new formula first, observe the operation effect, and then gradually switch to other groups after it meets expectations, and finally realize that all customers are switched to the new formula; in the real-time self-deduction stage, all customers have been switched to the new formula at this time, and real-time self-deduction can be performed on all customers based on the real-time self-deduction original document, and feedback is generated based on the comprehensive payment online interface.

[0098] In this embodiment, it is disclosed that when the target repayment amount determination method is reasonable, a repayment user whitelist is generated based on a user isolation strategy; the repayment amount determination method of the users in the repayment user whitelist is switched to the target repayment amount determination method; the repayment amounts corresponding to the users in the repayment user whitelist are determined by the target repayment amount determination method, so that the repayment amount calculation method of the users can be switched in batches, thereby reducing the impact range when errors occur in the repayment amount calculation method, and thereby improving the reliability of the credit card repayment system.

[0099] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the method for determining the repayment amount of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0100] This application also provides a repayment amount determination device, please refer to Figure 5 , the repayment amount determination device comprises:

[0101] A data acquisition module 10, configured to acquire the user's repayment copy data based on the user's original repayment data;

[0102] A repayment result generating module 20, configured to generate an original repayment result based on the original repayment data by using an original repayment amount determination method;

[0103] The repayment result generating module 20 is further used to generate a predicted repayment result based on the repayment copy data by a target repayment amount determination method;

[0104] A rationality judgment module 30, used to judge whether the target repayment amount determination method is reasonable based on the original repayment result and the predicted repayment result;

[0105] The repayment amount determination module 40 is used to determine the repayment amount corresponding to the user based on the user isolation strategy and the target repayment amount determination method when the target repayment amount determination method is reasonable.

[0106] The repayment amount determination device provided by the present application adopts the repayment amount determination method in the above embodiment, which can solve the technical problem that the error rate of repayment amount calculation increases when the repayment amount calculation method of the credit card automatic repayment system in the prior art changes frequently. Compared with the prior art, the beneficial effects of the repayment amount determination device provided by the present application are the same as the beneficial effects of the repayment amount determination method provided by the above embodiment, and the other technical features in the repayment amount determination device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0107] The present application provides a repayment amount determination device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the repayment amount determination method in the above-mentioned embodiment one.

[0108] Reference below Figure 6, which shows a schematic diagram of a structure of a repayment amount determination device suitable for implementing the embodiment of the present application. The repayment amount determination device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 6 The repayment amount determination device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0109] like Figure 6 As shown, the repayment amount determination device may include a processing device 1001 (e.g., a central processing unit, a graphics processor, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. In RAM1004, various programs and data required for the operation of the repayment amount determination device are also stored. The processing device 1001, ROM1002, and RAM1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the repayment amount determination device to communicate wirelessly or wired with other devices to exchange data. Although the figure shows a repayment amount determination device with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or have alternatively.

[0110] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0111] The repayment amount determination device provided by the present application adopts the repayment amount determination method in the above embodiment, which can solve the technical problem of repayment amount determination. Compared with the prior art, the beneficial effects of the repayment amount determination device provided by the present application are the same as the beneficial effects of the repayment amount determination method provided by the above embodiment, and the other technical features in the repayment amount determination device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0112] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0113] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0114] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, the computer-readable program instructions being used to execute the repayment amount determination method in the above-mentioned embodiment.

[0115] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0116] The computer-readable storage medium may be included in the repayment amount determination device; or may exist independently without being incorporated into the repayment amount determination device.

[0117] The above-mentioned computer-readable storage medium carries one or more programs. When the above-mentioned one or more programs are executed by the repayment amount determination device, the repayment amount determination device: obtains the repayment copy data of the user based on the user's original repayment data; generates an original repayment result based on the original repayment data through an original repayment amount determination method; generates a predicted repayment result based on the repayment copy data through a target repayment amount determination method; determines whether the target repayment amount determination method is reasonable based on the original repayment result and the predicted repayment result; when the target repayment amount determination method is reasonable, determines the repayment amount corresponding to the user based on the user isolation strategy and the target repayment amount determination method.

[0118] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0119] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0120] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0121] The readable storage medium provided by the present application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned repayment amount determination method, and can solve the technical problem that the error rate of repayment amount calculation increases when the repayment amount calculation method of the credit card automatic repayment system in the prior art changes frequently. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided by the present application are the same as the beneficial effects of the repayment amount determination method provided by the above-mentioned embodiment, and will not be repeated here.

[0122] The present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned repayment amount determination method when executed by a processor.

[0123] The computer program product provided by the present application can solve the technical problem that the automatic credit card repayment system in the prior art has an increased error rate in calculating the repayment amount when the repayment amount calculation method changes frequently. Compared with the prior art, the beneficial effects of the computer program product provided by the present application are the same as those of the repayment amount determination method provided in the above embodiment, and will not be elaborated here.

[0124] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A method for determining the repayment amount, It is characterized in that The method includes: Acquiring the user's repayment copy data based on the user's original repayment data; Generating an original repayment result based on the original repayment data by an original repayment amount determination method; Generating a predicted repayment result based on the repayment copy data by a target repayment amount determination method; Determining whether the method for determining the target repayment amount is reasonable based on the original repayment result and the predicted repayment result; When the target repayment amount determination method is reasonable, the repayment amount corresponding to the user is determined based on the user isolation strategy and the target repayment amount determination method.

2. The method according to claim 1, It is characterized in that The step of judging whether the method for determining the target repayment amount is reasonable based on the original repayment result and the predicted repayment result includes: Obtaining a repayment result difference based on the original repayment result and the predicted repayment result; Extracting a first calculation feature and a first strategy feature from the original repayment amount determination method; Extracting a second calculation feature and a second strategy feature from the target repayment amount determination method; Whether the method for determining the target repayment amount is reasonable is judged based on the repayment result difference, the first calculation feature, the first strategy feature, the second calculation feature and the second strategy feature.

3. The method according to claim 2, It is characterized in that The step of judging whether the method for determining the target repayment amount is reasonable based on the repayment result difference, the first calculation feature, the first strategy feature, the second calculation feature and the second strategy feature comprises: determining an element difference based on the first calculated feature and the second calculated feature; determining a characteristic difference based on the first policy characteristic and the second policy characteristic; Determine whether the repayment result difference, the element difference and the feature difference are reasonable differences; Based on the judgment result, determine whether the method for determining the target repayment amount is reasonable.

4. The method according to claim 1, It is characterized in that When the target repayment amount determination method is reasonable, the step of determining the repayment amount corresponding to the user based on the user isolation strategy and the target repayment amount determination method includes: When the method for determining the target repayment amount is reasonable, generating a repayment user whitelist based on the user isolation strategy; Switching the repayment amount determination method of the users in the repayment user whitelist to the target repayment amount determination method; The repayment amounts corresponding to the users in the repayment user whitelist are determined by the target repayment amount determination method.

5. The method according to claim 4, It is characterized in that After the step of determining the repayment amount corresponding to the user in the repayment user whitelist by the target repayment amount determination method, the method further includes: Verify the repayment amount in real time; When the verification is passed, the repayment user whitelist is updated through a preset user extension strategy; When the update is completed, return to the step of switching the repayment amount determination method for the users in the repayment user whitelist to the target repayment amount determination method.

6. The method according to any one of claims 4 to 5, It is characterized in that After the step of switching the repayment amount determination method of the users in the repayment user whitelist to the target repayment amount determination method, the method further includes: The repayment amounts corresponding to all users outside the repayment user whitelist are determined by the original repayment amount determination method.

7. A repayment amount determination device, It is characterized in that The device comprises: A data acquisition module, used for acquiring the user's repayment copy data based on the user's original repayment data; A repayment result generating module, used for generating an original repayment result based on the original repayment data by using an original repayment amount determination method; The repayment result generating module is further used to generate a predicted repayment result based on the repayment copy data by a target repayment amount determination method; A rationality judgment module, used to judge whether the method for determining the target repayment amount is reasonable based on the original repayment result and the predicted repayment result; The repayment amount determination module is used to determine the repayment amount corresponding to the user based on the user isolation strategy and the target repayment amount determination method when the target repayment amount determination method is reasonable.

8. A repayment amount determination device, It is characterized in that The device comprises: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the repayment amount determination method according to any one of claims 1 to 6.

9. A storage medium, It is characterized in that The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the repayment amount determination method according to any one of claims 1 to 6 are implemented.

10. A computer program product, It is characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the repayment amount determination method according to any one of claims 1 to 6 are implemented.

Images