Repayment processing method, device and equipment
After receiving the repayment request, determine the remaining amount of the preset repayment date under the loan conditions and reselect the repayment date, the problem of inaccurate early repayment amount control in the existing technology is solved, and accuracy and precision are achieved Control of early repayment amounts.
Patent Information
- Application Number
- CN202411236352.7
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-09-04
- Publication Date
- 2024-12-27
AI Technical Summary
In the prior art, when controlling the advance repayment amount, data processing in time will lead to accuracy problems, which may lead to inaccurate handling of the advance repayment amount.
After receiving the repayment request, determine whether the remaining amount of the preset repayment date under the loan conditions is greater than or equal to the repayment amount. If not, select the new repayment date again until the remaining amount of the new preset repayment date is left. The amount is greater than or equal to the repayment amount, ensuring real-time calculation and accurate control.
Accurately control the early repayment amount, ensuring that the early repayment amount on the same day does not exceed the set configuration amount, and multi-dimensional refined control is achieved.
Smart Images
Figure CN119205301A_ABST
Abstract
Description
Technical Field
[0001] The present application relates to the field of data processing technology, and in particular to a repayment processing method, device and equipment. Background Art
[0002] With the gradual increase of loan business, the business of early repayment is also increasing. In order to maintain the stability of bank funds, banks need to control the amount of early repayment every day. In the prior art, when controlling the daily repayment amount, banks usually use a timed task to control the total amount of daily early repayments. This method usually sets the total amount of daily early repayments for the bank, and then counts the amount of early repayments received today every hour, and then compares the amount of early repayments received on the day with the set total amount of early repayments on the day. If the total amount of early repayments on the day reaches the set total amount, the bank will calculate the amount of early repayments received on the day. , then no further early repayment requests will be received. However, this scheduled task method does not process data in a timely manner, which often leads to inaccurate data. For example, if the bank sets the total repayment amount for today to 10 million, and at 14:00 the bank has received 9.8 million in early repayments today, it will continue to receive early repayment requests. However, there may be 1 million in early repayment requests between 14:00 and 15:00. Then, when statistics are taken at 15:00, the amount of early repayments received has exceeded the set 10 million, which will lead to inaccurate processing of the early repayment amount. Summary of the invention
[0003] In view of this, the embodiments of the present application provide a repayment processing method, device and equipment, which can accurately control the early repayment amount.
[0004] In a first aspect, an embodiment of the present application provides a repayment processing method, which is applied to a server, including:
[0005] In response to a repayment request, determining whether the remaining amount under the corresponding loan conditions at the current time of the preset repayment date is greater than or equal to the repayment amount; wherein the repayment request includes the loan conditions, the preset repayment date and the repayment amount;
[0006] If not, then obtain all candidate dates corresponding to the loan conditions, except for the current preset repayment date, where the remaining amount is greater than the repayment amount, and send all the candidate dates to the client; wherein the candidate dates are dates in the set dates;
[0007] Receive a new repayment request, and determine whether the remaining balance at the current moment of the new preset repayment date under the corresponding loan conditions is greater than or equal to the repayment amount, until the remaining balance on the new preset repayment date is greater than or equal to the repayment amount; wherein the new repayment request is a repayment request generated after the client selects a repayment date from all the candidate dates; the new preset repayment date is a repayment date selected by the client from all the candidate dates.
[0008] In some embodiments, the determining whether the remaining amount under the corresponding loan condition at the current time of the preset repayment date is greater than or equal to the repayment amount includes:
[0009] Traversing the repayment setting table according to the loan conditions to obtain a repayment setting sub-table corresponding to the loan conditions; wherein the loan conditions include loan channels and credit months;
[0010] The repayment setting table includes the loan conditions and the repayment setting sub-table corresponding to each of the loan conditions; the repayment setting sub-table includes the setting date and the remaining amount corresponding to each of the setting dates;
[0011] Traversing the repayment setting subtable to obtain the remaining amount at the current time of the setting date which is the same as the preset repayment date;
[0012] Determine whether the remaining amount is greater than or equal to the repayment amount.
[0013] In some embodiments, a redis data structure table is provided in the server; the redis data structure table includes a key list and a hash table corresponding to each key in the key list; the hash table is a mapping table including field fields and value values;
[0014] The key is used to store the loan conditions; the hash table is used to store the set date preset under the loan conditions and the remaining amount corresponding to the set date; wherein the set date is stored in the field, and the corresponding remaining amount is stored in the value.
[0015] In some embodiments, the key list is obtained by concatenating the loan channels and credit months at each level through Cartesian calculation.
[0016] In some embodiments, after obtaining the repayment request, constructing the target key according to the loan conditions in the repayment request;
[0017] When the server determines whether the remaining amount at the current time of the preset repayment date corresponding to the loan condition is greater than or equal to the repayment amount, the server is specifically used to:
[0018] Traverse the key list in the redis data structure table according to the target key, obtain the key that is the same as the target key, and obtain the corresponding hash table according to the current key;
[0019] Traverse the current hash table to obtain the remaining amount at the current time of the set date that is the same as the preset repayment date; and determine whether the remaining amount at the current time is greater than or equal to the repayment amount.
[0020] In some embodiments, the remaining amount is obtained in real time by corresponding to the loan conditions, the configured amount under the preset repayment date, and the accumulated repayment amount.
[0021] In some embodiments, if the remaining amount at the current time of the preset repayment date under the corresponding loan conditions is greater than or equal to the repayment amount, the repayment is performed, and the repayment amount is added to the accumulated repayment amount, and the corresponding remaining amount is adjusted in combination with the corresponding configured amount.
[0022] In a second aspect, an embodiment of the present application provides a repayment processing method, which is applied to a client, including:
[0023] Sending a repayment request to the service end; wherein the repayment request includes the loan conditions, the preset repayment date and the repayment amount;
[0024] Receive and display all the candidate dates, and select one of the candidate dates to trigger the generation of a new repayment request; wherein the candidate date is a date sent by the server to the client with a remaining amount greater than the repayment amount except the current preset repayment date when the server determines, based on the repayment request, that the remaining amount at the current time of the preset repayment date under the corresponding loan conditions is less than the repayment amount.
[0025] In a third aspect, an embodiment of the present application provides a repayment processing device, which is applied to a server, including:
[0026] A judgment module, configured to judge, in response to a repayment request, whether the remaining amount under the corresponding loan conditions at the current time of the preset repayment date is greater than or equal to the repayment amount; wherein the repayment request includes the loan conditions, the preset repayment date and the repayment amount;
[0027] an acquisition module, for, if no, acquiring all candidate dates corresponding to the loan conditions, except for the current preset repayment date, in which the remaining amount is greater than the repayment amount, and sending all the candidate dates to the client; wherein the candidate dates are dates in the set dates;
[0028] The judgment module is also used to receive a new repayment request and judge whether the remaining amount at the current moment of the new preset repayment date under the corresponding loan conditions is greater than or equal to the repayment amount, until the remaining amount on the new preset repayment date is greater than or equal to the repayment amount; wherein, the new repayment request is a repayment request generated after the client selects a repayment date from all the candidate dates; the new preset repayment date is a repayment date selected by the client from all the candidate dates.
[0029] In a third aspect, an embodiment of the present application provides a terminal device, which includes a processor and a memory, the memory stores a computer program, and the processor is used to execute the computer program to implement the above-mentioned repayment processing method.
[0030] The embodiments of the present application have the following beneficial effects:
[0031] This application calculates the remaining balance in real time to ensure that the amount of early repayment on the day will not exceed the configured balance set for the day, thereby achieving the effect of accurately controlling the repayment amount. In addition, the configured balance of the preset repayment date of this application is determined based on the loan conditions, which can achieve multi-dimensional control of the early repayment amount to achieve refined control of early repayments. BRIEF DESCRIPTION OF THE DRAWINGS
[0032] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the embodiments will be briefly introduced below. It should be understood that the following drawings only show certain embodiments of the present application and therefore should not be regarded as limiting the scope. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.
[0033] Figure 1 A schematic diagram showing the structure of a repayment processing system according to an embodiment of the present application is shown;
[0034] Figure 2 A first flow chart of the repayment processing method according to an embodiment of the present application is shown;
[0035] Figure 3 A second flow chart of the repayment processing method according to an embodiment of the present application is shown;
[0036] Figure 4A schematic diagram of a redis data structure table of an embodiment of the present application is shown;
[0037] Figure 5 A schematic diagram of a list of loan condition combinations formed in an embodiment of the present application is shown;
[0038] Figure 6 A third flow chart of the repayment processing method according to an embodiment of the present application is shown;
[0039] Figure 7 A fourth flow chart of the repayment processing method according to an embodiment of the present application is shown;
[0040] Figure 8 A structural schematic diagram of the repayment processing device of an embodiment of the present application is shown. DETAILED DESCRIPTION
[0041] The technical solutions in the embodiments of the present application will be described clearly and completely below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, rather than all of the embodiments.
[0042] The components of the embodiments of the present application generally described and shown in the drawings herein may be arranged and designed in various configurations. Therefore, the following detailed description of the embodiments of the present application provided in the drawings is not intended to limit the scope of the application claimed for protection, but merely represents the selected embodiments of the present application. Based on the embodiments of the present application, all other embodiments obtained by those skilled in the art without making creative work belong to the scope of protection of the present application.
[0043] Hereinafter, the terms "including", "having" and their cognates that can be used in various embodiments of the present application are intended only to indicate specific features, numbers, steps, operations, elements, components or a combination of the foregoing items, and should not be understood as first excluding the existence of one or more other features, numbers, steps, operations, elements, components or a combination of the foregoing items or increasing the possibility of one or more features, numbers, steps, operations, elements, components or a combination of the foregoing items. In addition, the terms "first", "second", "third" and the like are only used to distinguish descriptions and cannot be understood as indicating or implying relative importance.
[0044] Unless otherwise defined, all terms (including technical terms and scientific terms) used herein have the same meanings as those generally understood by those skilled in the art to which the various embodiments of the present application belong. The terms (such as those defined in generally used dictionaries) will be interpreted as having the same meanings as the contextual meanings in the relevant technical field and will not be interpreted as having idealized meanings or overly formal meanings unless clearly defined in the various embodiments of the present application.
[0045] In conjunction with the accompanying drawings, some embodiments of the present application are described in detail below. In the absence of conflict, the following embodiments and features in the embodiments can be combined with each other.
[0046] Since the control of early repayment in the prior art is inaccurate, the present application proposes a repayment processing method, device and equipment. After receiving the repayment request, it is determined whether the remaining amount at the current repayment time on the preset repayment date under the corresponding loan conditions is greater than or equal to the repayment amount in the repayment request. If so, the repayment is made directly. If not, a new repayment date is reselected, and then a repayment request is issued again until the remaining amount on the new preset repayment date is greater than or equal to the repayment amount. It can be understood that the present application ensures that the amount of early repayment on the day will not exceed the configured amount set for the day by calculating the remaining amount in real time, thereby achieving the effect of accurately controlling the repayment amount. In addition, the configured amount of the preset repayment date of the present application is determined according to the loan conditions, so that the amount of early repayment can be controlled in multiple dimensions to achieve refined control of early repayment.
[0047] Example 1
[0048] The repayment processing method of the present application is implemented based on the interaction process between the client and the server. The repayment processing system is first described below in conjunction with some specific embodiments.
[0049] Figure 1 A schematic diagram of the structure of the repayment processing system of the embodiment of the present application is shown. Exemplarily, the repayment processing system includes a client 100 and a server 200.
[0050] Among them, the client 100 is usually a terminal device that can be connected to the Internet. It can be a user's own terminal device, such as a mobile phone, iPad, computer, laptop, etc., or a device operated by bank personnel, such as a computer and laptop used by the bank to handle business, or a self-service machine placed in the bank. If it is a user's own terminal device, the user can apply for early repayment on the device by himself. If it is a device operated by a bank staff, the user who needs to repay in advance needs to go to the bank and let the bank staff handle the early repayment operation. If it is a bank's self-service machine, the user can go to the bank and handle the early repayment operation through the bank's self-service machine. It can be understood that the above example of the client 100 is only exemplary. According to actual conditions, it can also be other terminal devices that can be connected to the Internet, and no specific limitation is made here.
[0051] The server 200 includes but is not limited to a cloud server, a local server, etc., which may include a processor and a memory, the memory stores a computer program, and the processor is used to execute the computer program to implement the repayment processing method. The repayment processing in the embodiment of the present application may be an early partial repayment or an early settlement of the amount.
[0052] Among them, the processor can be an integrated circuit chip with signal processing capabilities. The processor can be a general-purpose processor, including a central processing unit (CPU), a graphics processing unit (GPU) and a network processor (NP), a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA) or at least one of other programmable logic devices, discrete gates or transistor logic devices, and discrete hardware components. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc., which can implement or execute the disclosed methods, steps and logic block diagrams in the embodiments of the present application.
[0053] The memory may be, but is not limited to, a random access memory (RAM), a read only memory (ROM), a programmable read-only memory (PROM), an erasable programmable read-only memory (EPROM), an electrically erasable programmable read-only memory (EEPROM), etc. The memory is used to store a computer program, and the processor may execute the computer program accordingly after receiving an execution instruction.
[0054] like Figure 2 As shown, when the repayment processing system of the embodiment of the present application is used to process the early repayment, the following steps are included:
[0055] Step S110: the client sends a repayment request to the server.
[0056] It can be understood that in this embodiment, a repayment request is first initiated through the client, and the repayment request includes loan conditions, a preset repayment date and a repayment amount; the loan conditions can be determined based on the loan channel of the loan that the user needs to repay this time and the credit month of the loan, the preset repayment date is the date selected by the user when repaying, usually the date when the repayment request is submitted, or it can be a date selected by the user, and the repayment amount is the amount that the user wants to repay in advance this time.
[0057] After the server receives the repayment request sent by the client, step S210 is executed.
[0058] Step S210, the server responds to the repayment request and determines whether the remaining amount at the current time of the preset repayment date under the corresponding loan conditions is greater than or equal to the repayment amount.
[0059] If it is determined that the remaining amount at the current time of the preset repayment date under the corresponding loan conditions is less than the repayment amount, step S220 is executed to obtain all candidate dates under the corresponding loan conditions, except the current preset repayment date, whose remaining amount is greater than the repayment amount, and send all candidate dates to the client.
[0060] It should be noted that since the remaining balance on each set date in this application changes in real time, the current time in this application refers to the time of repayment.
[0061] If it is determined that the remaining amount at the current time of the preset repayment date under the corresponding loan conditions is greater than or equal to the repayment amount, step S230 is executed, the server operates the repayment, and adds the repayment amount to the accumulated repayment amount, and adjusts the corresponding remaining amount in combination with the corresponding configured amount.
[0062] It can be understood that after the repayment request is initiated through the client, the server receives the repayment request and first determines whether the remaining amount at the current time of the preset repayment date under the corresponding loan conditions is greater than or equal to the repayment amount, and when the remaining amount on the preset repayment date is less than the repayment amount, all the candidate dates with the remaining amount greater than the repayment amount under the corresponding loan conditions within the preset time after the preset repayment date are sent to the client.
[0063] Among them, the candidate date is the date in the set date. Each loan condition can set multiple early repayment dates in each month. For example, loan condition 1 can set January 1, January 2, January 3... January 10, January 11... January 20... January 30 as the repayment dates in January. However, the configuration amount of each set date under each loan condition can be set as needed, that is, the amount of early repayment that can be received on each set date under each loan condition can be set as needed. It can be understood that the repayment setting date and configuration amount corresponding to the loan condition can be set in February-December just like January.
[0064] In the embodiment of the present application, when it is determined that the remaining balance at the current time of the preset repayment date under the corresponding loan conditions is less than the repayment amount, it means that the user cannot make early repayment on the preset repayment date under the corresponding loan conditions. At this time, since the loan conditions correspond to multiple set dates for repayment, when early repayment is not possible on the current preset repayment date, the server will send the set date on which the remaining balance is greater than the repayment amount under the corresponding loan conditions within the preset time after the preset repayment date to the client. The preset time after the preset repayment date can be understood as within 10 days, 20 days, 30 days, etc. after the user's current preset repayment date. The preset time is not specifically limited and can be set as needed, so that the selectable early repayment date can be sent to the client.
[0065] In one embodiment, Figure 3 As shown, the above step S210 specifically includes:
[0066] Step S211, traverse the repayment setting table according to the loan conditions to obtain the repayment setting sub-table corresponding to the loan conditions.
[0067] Among them, the loan conditions include the loan channel and the credit month; the repayment setting table includes the loan conditions and the repayment setting subtable corresponding to each loan condition; the repayment setting subtable includes the setting date and the remaining amount corresponding to each setting date. It can be understood that the repayment setting table corresponds to the above-mentioned redis data structure table, and the repayment setting subtable corresponds to the above-mentioned hash table.
[0068] Among them, the repayment setting table includes loan conditions and the repayment setting sub-table corresponding to each loan condition; the repayment setting sub-table includes the setting date and the remaining amount corresponding to each setting date.
[0069] Step S212, traverse the repayment setting sub-table to obtain the remaining amount at the current time of the set date which is the same as the preset repayment date.
[0070] Step S213, determining whether the remaining amount is greater than or equal to the repayment amount.
[0071] Furthermore, in the embodiment of the present application, the total amount of early repayments that can be received on each repayment setting date can be determined according to different loan conditions. Since the loan conditions include loan channels and credit months, the embodiment of the present application can set the total amount of repayments that can be received on each repayment setting date under the loan conditions according to different loan channels and credit months, thereby achieving multi-dimensional and refined control of early repayments. In the embodiment of the present application, the remaining amount of the preset repayment date corresponding to each loan condition is updated in real time, wherein the remaining amount can be obtained by subtracting the amount of early repayment received on the preset repayment date under the corresponding loan conditions from the configured amount set on the preset repayment date under the corresponding loan conditions. The embodiment of the present application can ensure that the amount of early repayment received on the preset repayment date under the current loan conditions will not exceed the corresponding configured amount by updating the remaining amount in real time, thereby achieving the effect of accurately controlling the amount of early repayment.
[0072] After the server sends all the candidate dates to the client, the client executes step S120 to receive and display all the candidate dates, and selects one of the candidate dates to trigger the generation of a new repayment request.
[0073] It can be understood that after the client receives all the candidate dates with the remaining amount greater than the repayment amount under the corresponding loan conditions, these candidate dates are displayed on the client. The user can trigger the generation of a new repayment request and send it to the server by selecting one of the current candidate dates.
[0074] After the client sends a new repayment request to the server, the server executes step S240. If the server receives the new repayment request, it determines whether the remaining balance at the current time of the new preset repayment date under the corresponding loan conditions is greater than or equal to the repayment amount, until the remaining balance on the new preset repayment date is greater than or equal to the repayment amount.
[0075] It can be understood that the server receives a new repayment request, and then again determines whether the remaining balance at the current time of the new preset repayment date under the corresponding loan conditions is greater than or equal to the repayment amount, until the remaining balance on the new preset repayment date is greater than or equal to the repayment amount.
[0076] In some embodiments, Figure 4 As shown, a redis data structure table is set in the server; the redis data structure table includes a key list and a hash table corresponding to each key in the key list; the hash table is a mapping table including field fields and value values; wherein the key is used to store loan conditions; the hash table is used to store the preset set date under the corresponding loan conditions and the remaining amount corresponding to the set date; wherein the set date is stored in the field field, and the corresponding remaining amount is stored in the value value.
[0077] The server also includes a credit limit calculator; the credit limit calculator is used to calculate the remaining credit limit for each set date corresponding to each loan condition in real time.
[0078] It can be understood that in this implementation, the loan conditions and the corresponding preset repayment date and repayment amount can be stored through a redis data structure table, and the redis data structure table includes a key list and a hash table corresponding to each key in the key list; wherein the key list is a list of multiple loan condition combinations, which can be obtained by Cartesian calculation splicing according to various levels of loan channels and credit months. Specifically, the loan channels can include multiple levels, such as primary channels, secondary channels, tertiary channels, etc. Figure 5 For example, the loan channel has only one primary channel and a secondary channel. Each primary channel can have multiple secondary channels. The primary channel can be a telemarketing channel, an online sales channel, a cooperative agency channel, etc. The secondary channel can be each branch channel under the primary channel, such as an office, a branch, etc. The credit month refers to the month when the first result is obtained. In this way, multiple loan conditions are obtained through Cartesian calculation and splicing, and then a list of loan condition combinations is formed, that is, a key list. For example, if there are two secondary channels (B1 and B2) under the primary channel, and the credit months are January, February, March...December, the loan conditions obtained in this way include primary channel + secondary channel B1+January, primary channel + secondary channel B1+February, primary channel + secondary channel B1+March, primary channel + secondary channel B1+April, primary channel + secondary channel B1+May...primary channel + secondary channel B1+November, primary channel + secondary channel B1+December, primary channel + secondary channel B2+January, primary channel + secondary channel B2+February, primary channel + secondary channel B2+March...primary channel + secondary channel B2+November and primary channel + secondary channel B2+December, that is, 24 loan conditions.
[0079] Among them, each loan condition corresponds to a hash table, which includes field fields and value values corresponding to the field fields one by one; the field field stores the set date, and the value value stores the remaining amount, that is, the hash table stores the remaining amount of each set date under the corresponding loan condition. It should be noted that the remaining amount is determined based on the amount of early repayment already made by each user under the loan condition on the current set date received by the server, and the configuration amount corresponding to the set date under the loan condition.
[0080] Among them, the remaining amount is calculated according to the amount calculator, which includes a lua operation amount accumulator. The lua operation amount accumulator is used to calculate in real time the used amount corresponding to each set date under various loan conditions, and then subtract the used amount from the corresponding configured amount to obtain the corresponding remaining amount.
[0081] Among them, the configuration amount corresponding to each set date under each loan condition is preset and saved on the server side. It can be that the back-end operation personnel upload the configuration of each loan condition that needs to be specifically controlled through Excel to configure the amount on each set date. The uploaded Excel table can be shown in the following table:
[0082] Channel Number Credit month Set Date Configuration amount (ten thousand yuan) 99001 202401 20240528 1000 99001 202401 20240529 9000 99003 202401 20240530 1200 ··· ··· ··· ···
[0083] The channel numbers in the table are the numbers composed of channels at all levels. For example, the first-level channel is numbered 99, and the second-level channels include 3 channels, which can be numbered 001, 002, and 003 respectively. In this way, the loan channel can be determined by the number.
[0084] In this implementation, the server also includes a target key construction module; the target key construction module is used to construct a target key according to the loan conditions in the repayment request after obtaining the repayment request.
[0085] When the server determines whether the remaining amount at the current time of the preset repayment date under the corresponding loan conditions is greater than or equal to the repayment amount, it specifically includes: traversing the key list in the redis data structure table according to the target key, obtaining the key that is the same as the target key, and obtaining the corresponding hash table according to the current key; traversing the current hash table to obtain the remaining amount at the current time of the set date that is the same as the preset repayment date; and determining whether the remaining amount at the current time is greater than or equal to the repayment amount.
[0086] The repayment processing method of the embodiment of the present application adopts redis plus lua operation to realize the bank's accurate control of early repayments on each set date under each loan condition, and sets the corresponding configuration limit through loan channels, credit months, set dates and other conditions, thereby realizing multi-dimensional and precise control of early repayments to achieve the stability of the banking system.
[0087] Example 2
[0088] Figure 6 A flow chart of a repayment processing method according to an embodiment of the present application is shown. Exemplarily, the repayment processing method is applied to a server and includes:
[0089] Step S10, in response to the repayment request, determining whether the remaining amount at the current time of the preset repayment date under the corresponding loan conditions is greater than or equal to the repayment amount.
[0090] The repayment request includes the loan conditions, the preset repayment date and the repayment amount.
[0091] If it is determined that the remaining amount at the current time of the preset repayment date under the corresponding loan conditions is less than the repayment amount, step S20 is executed to obtain all the candidate dates corresponding to the loan conditions, except the current preset repayment date, whose remaining amount is greater than the repayment amount, and send all the candidate dates to the client.
[0092] The selected date is a date in the set date.
[0093] Step S30, if a new repayment request is received, determine whether the remaining amount at the current time of the new preset repayment date under the corresponding loan conditions is greater than or equal to the repayment amount, until the remaining amount at the new preset repayment date is greater than or equal to the repayment amount.
[0094] The new repayment request is a repayment request generated after the client selects a repayment date from among all the candidate dates; and the new preset repayment date is a repayment date selected by the client from among all the candidate dates.
[0095] It can be understood that the method of this embodiment is consistent with the repayment processing method applied to the repayment processing device of the above-mentioned embodiment 1, and the optional items in the above-mentioned embodiment are also applicable to this embodiment, so they will not be repeated here.
[0096] Example 3
[0097] Figure 7 A flow chart of a repayment processing method according to an embodiment of the present application is shown. Exemplarily, the repayment processing method is applied to a client and includes:
[0098] Step S40: Send a repayment request to the server.
[0099] The repayment request includes loan conditions, preset repayment date and repayment amount.
[0100] Step S50, receiving and displaying all candidate dates, and selecting one of the candidate dates to trigger the generation of a new repayment request.
[0101] Among them, the selected date is a date sent by the server to the client where the remaining amount is greater than the repayment amount except the current preset repayment date when the server determines, based on the repayment request, that the remaining amount at the current time of the preset repayment date under the corresponding loan conditions is less than the repayment amount.
[0102] It can be understood that the method of this embodiment is consistent with the repayment processing method applied to the repayment processing device of the above-mentioned embodiment 1, and the optional items in the above-mentioned embodiment are also applicable to this embodiment, so they will not be repeated here.
[0103] Figure 8 A schematic diagram of the structure of a repayment processing device in an embodiment of the present application is shown. Exemplarily, the repayment processing device is applied to a server and includes:
[0104] The judgment module 10 is used to judge whether the remaining amount under the corresponding loan conditions at the current time of the preset repayment date is greater than or equal to the repayment amount in response to the repayment request; wherein the repayment request includes the loan conditions, the preset repayment date and the repayment amount;
[0105] The acquisition module 20 is used to acquire all candidate dates whose remaining amount is greater than the repayment amount except the current preset repayment date under the corresponding loan conditions if no, and send all candidate dates to the client; wherein the candidate date is a date in the set date;
[0106] The judgment module 10 is also used to receive a new repayment request and judge whether the remaining balance at the current moment of the new preset repayment date under the corresponding loan conditions is greater than or equal to the repayment amount, until the remaining balance on the new preset repayment date is greater than or equal to the repayment amount; wherein, the new repayment request is a repayment request generated after the client selects a repayment date from all the candidate dates; the new preset repayment date is a repayment date selected by the client from all the candidate dates.
[0107] It can be understood that the device of this embodiment corresponds to the repayment processing method of the above embodiment, and the optional items in the above embodiment are also applicable to this embodiment, so they will not be repeated here.
[0108] The present application also provides a terminal device. Exemplarily, the terminal device can be a server or a client. The terminal device includes a processor and a memory, wherein the memory stores a computer program, and the processor runs the computer program to enable the terminal device to execute the functions of each module in the above-mentioned repayment processing method or the above-mentioned repayment processing device.
[0109] The present application also provides a computer-readable storage medium for storing the computer program used in the above-mentioned terminal device. For example, the computer-readable storage medium may include, but is not limited to, various media that can store program codes, such as a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk.
[0110] In several embodiments provided in the present application, it should be understood that the disclosed devices and methods can also be implemented in other ways. The device embodiments described above are merely schematic. For example, the flowcharts and structure diagrams in the accompanying drawings show the possible architecture, functions and operations of the devices, methods and computer program products according to multiple embodiments of the present application. In this regard, each box in the flowchart or block diagram can represent a module, a program segment or a part of a code, and the module, a program segment or a part of a code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in an alternative implementation, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two consecutive boxes 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 box in the structure diagram and / or the flow diagram, and the combination of boxes in the structure diagram and / or the flow diagram, can be implemented with a dedicated hardware-based system that performs a specified function or action, or can be implemented with a combination of dedicated hardware and computer instructions.
[0111] In addition, the functional modules or units in the various embodiments of the present application may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.
[0112] If the functions are implemented in the form of software function modules and sold or used as independent products, they can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for a computer device (which can be a smart phone, a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the methods described in the various embodiments of the present application.
[0113] The above description is only a specific implementation manner of the present application, but the protection scope of the present application is not limited thereto. Any technician familiar with the 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.
Claims
1. A repayment processing method, characterized in that: Applied to the server, including: In response to a repayment request, determining whether the remaining amount at the current time of the preset repayment date under the corresponding loan conditions is greater than or equal to the repayment amount; wherein the repayment request includes the loan conditions, the preset repayment date and the repayment amount; If not, then obtain all candidate dates corresponding to the loan conditions, except for the current preset repayment date, where the remaining amount is greater than the repayment amount, and send all the candidate dates to the client; wherein the candidate dates are dates in the set dates; If a new repayment request is received, determine whether the remaining balance at the current time of the new preset repayment date under the corresponding loan conditions is greater than or equal to the repayment amount, until the remaining balance on the new preset repayment date is greater than or equal to the repayment amount; wherein, the new repayment request is a repayment request generated after the client selects a repayment date from all the candidate dates; the new preset repayment date is a repayment date selected by the client from all the candidate dates.
2. The repayment processing method according to claim 1, characterized in that: The determining whether the remaining amount under the corresponding loan condition at the current time of the preset repayment date is greater than or equal to the repayment amount includes: Traversing the repayment setting table according to the loan conditions to obtain a repayment setting sub-table corresponding to the loan conditions; wherein the loan conditions include loan channels and credit months; The repayment setting table includes the loan conditions and the repayment setting sub-table corresponding to each of the loan conditions; the repayment setting sub-table includes the setting date and the remaining amount corresponding to each of the setting dates; Traversing the repayment setting subtable to obtain the remaining amount at the current time of the set date which is the same as the preset repayment date; Determine whether the remaining amount is greater than or equal to the repayment amount.
3. The repayment processing method according to claim 1, characterized in that: The server is provided with a redis data structure table; the redis data structure table includes a key list and a hash table corresponding to each key in the key list; the hash table is a mapping table including field fields and value values; The key is used to store the loan conditions; the hash table is used to store the set date preset under the loan conditions and the remaining amount corresponding to the set date; wherein the set date is stored in the field, and the corresponding remaining amount is stored in the value.
4. The repayment processing method according to claim 3, characterized in that: The key list is obtained by concatenating the loan channels at all levels and the credit months through Cartesian calculation.
5. The repayment processing method according to claim 4, characterized in that: After obtaining the repayment request, constructing a target key according to the loan conditions in the repayment request; When the server determines whether the remaining amount at the current time of the preset repayment date corresponding to the loan condition is greater than or equal to the repayment amount, the server is specifically used to: Traverse the key list in the redis data structure table according to the target key, obtain the key that is the same as the target key, and obtain the corresponding hash table according to the current key; Traverse the current hash table to obtain the remaining amount at the current moment of the set date that is the same as the preset repayment date; and determine whether the remaining amount at the current moment is greater than or equal to the repayment amount.
6. The repayment processing method according to claim 1, characterized in that: The remaining amount is obtained in real time through the corresponding loan conditions, the configured amount under the preset repayment date and the accumulated repayment amount.
7. The repayment processing method according to claim 6, characterized in that: If the remaining amount at the current time of the preset repayment date is greater than or equal to the repayment amount under the corresponding loan conditions, the repayment is performed, and the repayment amount is added to the accumulated repayment amount, and the corresponding remaining amount is adjusted in combination with the corresponding configured amount.
8. A repayment processing method, characterized in that: Applied to the client, including: Sending a repayment request to the server; wherein the repayment request includes loan conditions, preset repayment date and repayment amount; Receive and display all candidate dates, and select one of the candidate dates to trigger the generation of a new repayment request; wherein the candidate date is a date sent by the server to the client with a remaining amount greater than the repayment amount except the current preset repayment date when the server determines, based on the repayment request, that the remaining amount at the current moment of the preset repayment date under the corresponding loan conditions is less than the repayment amount.
9. A repayment processing device, characterized in that: Applied to the server, including: A judgment module, configured to judge, in response to a repayment request, whether the remaining amount at the current time of the preset repayment date under the corresponding loan conditions is greater than or equal to the repayment amount; wherein the repayment request includes the loan conditions, the preset repayment date and the repayment amount; an acquisition module, for, if no, acquiring all candidate dates corresponding to the loan conditions, except for the current preset repayment date, in which the remaining amount is greater than the repayment amount, and sending all the candidate dates to the client; wherein the candidate dates are dates in the set dates; The judgment module is also used to judge whether the remaining amount at the current time of the new preset repayment date under the corresponding loan conditions is greater than or equal to the repayment amount if a new repayment request is received, until the remaining amount on the new preset repayment date is greater than or equal to the repayment amount; wherein, the new repayment request is a repayment request generated after the client selects a repayment date from all the candidate dates; the new preset repayment date is a repayment date selected by the client from all the candidate dates.
10. A terminal device, characterized in that: The terminal device includes a processor and a memory, the memory stores a computer program, and the processor is used to execute the computer program to implement the repayment processing method described in any one of claims 1 to 7, or to execute the computer program to implement the repayment processing method described in claim 8.