Method, device, equipment and system for determining repayment channel

Abstract

The invention provides a repayment channel determination method, device, equipment and system, and is applied to the technical field of repayment channel determination. The method comprises the steps of obtaining user information of a user in response to a repayment request submitted by the user or an operator; the user information comprises the total repayment amount. And calculating the user information according to a preset rule, and determining at least one repayment channel corresponding to the user information. And determining an optimal repayment channel corresponding to the user according to the user information and the at least one repayment channel. The optimal repayment information is a repayment channel with the lowest additional cost generated when the repayment platform assists the user in repayment, and the total repayment amount corresponding to the user is not changed. The additional cost generated in the process that the repayment platform assists the user in repayment can be lowest, and the operation cost of the repayment platform is reduced.

Description

Technical Field

[0001] The present application relates to the technical field of repayment channel determination, and in particular to a repayment channel determination method, device, equipment, and system. Background Art

[0002] With the continuous growth of the Internet finance market, the Internet finance industry has become more mature in user repayments, and can support users to repay at any time through multiple platforms and channels. At present, when users repay, it is usually initiated by the user or the operator to legally deduct the user's authorized account. In this process, the repayment channel and repayment amount are usually actively informed by the user or negotiated between the user and the operator. However, due to the diversity of repayment channels during the repayment process, the additional fees incurred by the repayment platform when assisting users to repay through various repayment channels are different, making it difficult to determine the most favorable repayment channel among multiple repayment channels.

[0003] Therefore, there is an urgent need for a method to determine the repayment channel to minimize the additional costs incurred by the repayment platform in assisting users in repaying their loans. Summary of the invention

[0004] The purpose of this application is to provide a method and device, equipment, and system for determining a repayment channel, so as to minimize the additional costs incurred by the repayment platform in assisting users in repaying their loans, reduce the operating costs of the repayment platform, maximize the repayment success rate, and improve the user experience.

[0005] In a first aspect, an embodiment of the present application provides a method for determining a repayment channel, which is applied to a repayment platform, and the method includes: in response to a repayment request submitted by a user or an operator, obtaining user information of the user. The user information includes a total repayment amount. The user information is calculated according to preset rules to determine at least one repayment channel corresponding to the user information. Based on the user information and the at least one repayment channel, the optimal repayment channel corresponding to the user is determined. The optimal repayment channel is the repayment channel with the lowest additional fees generated when the repayment platform assists the user in repaying. The total repayment amount corresponding to the user remains unchanged.

[0006] The method for determining the repayment channel provided in the embodiment of the present application can, after responding to a repayment request submitted by a user or an operator, calculate the user information based on preset rules to determine at least one repayment channel corresponding to the user information, and then determine the optimal repayment channel corresponding to the user based on the user information and the at least one repayment channel. Repaying the user in combination with the optimal repayment channel can minimize the additional costs incurred in the process of the repayment platform assisting the user in repaying the loan, thereby reducing the operating costs of the repayment platform.

[0007] In a possible implementation, the calculating the user information according to a preset rule to determine at least one repayment channel corresponding to the user information includes: calculating the user information according to the preset rule to obtain at least one repayment scenario for the user information. Filtering out the at least one repayment channel applicable to the user information from the at least one repayment scenario.

[0008] In a possible implementation, the user information includes one or more of the following: loan information, repayment plan, repayment method, and repayment time. The calculating the user information according to the preset rule to obtain at least one repayment scenario of the user information includes: constructing at least one repayment scenario of the user information based on the loan information, the repayment plan, the repayment method, and the repayment time as variable labels. The one repayment scenario includes a label list composed of the variable labels.

[0009] In a possible implementation, the step of selecting the at least one repayment channel applicable to the user information from the at least one repayment scenario includes: calculating the value of the label list in the at least one repayment scenario. Constructing a cross matrix based on the at least one repayment scenario and the value. Determining the at least one repayment channel applicable to the user information according to the cross matrix.

[0010] In a possible implementation, the determining the optimal repayment channel corresponding to the user based on the user information and the at least one repayment channel includes: calculating, based on the user information and the at least one repayment channel, the additional cost generated by each repayment channel when the repayment platform uses each repayment channel in the at least one repayment channel to assist the user in repaying the loan. The repayment channel with the lowest additional cost is determined as the optimal repayment channel.

[0011] In a possible implementation, the optimal repayment channel includes a preset repayment channel. Determining the optimal repayment channel for the user based on the user information and the at least one repayment channel includes: determining the remaining repayment amount of the user based on the preset repayment channel, the preset repayment amount, and the additional fee corresponding to the preset repayment channel. The preset repayment amount is the repayment amount specified by the user through the preset repayment channel. Calculate the additional fee of the repayment channel in the at least one repayment channel other than the preset repayment channel based on the user information, the at least one repayment channel other than the preset repayment channel, and the remaining repayment amount of the user. Determine the preset repayment channel and the repayment channel with the lowest additional fee as the optimal repayment channel.

[0012] In a possible implementation, the user information also includes a target repayment amount, a target repayment interest, and a service fee. The method for determining a repayment channel provided in an embodiment of the present application also includes: displaying the user's target repayment amount, the target repayment interest, and the service fee to the user.

[0013] In this possible implementation, by displaying the target repayment amount, target repayment interest and service fee to the user, it is convenient for the user to view the specific situation of the target repayment amount, thereby improving the user experience.

[0014] In a possible implementation manner, the method for determining the repayment channel provided in the embodiment of the present application further includes: responding to the user's repayment execution request, repaying through the optimal repayment channel.

[0015] In a second aspect, an embodiment of the present application provides a device for determining a repayment channel, the device comprising: an acquisition module and a processing module.

[0016] The acquisition module is used to obtain the user information of the user in response to a repayment request submitted by the user or the operator.

[0017] A processing module is used to calculate the user information according to preset rules to determine at least one repayment channel corresponding to the user information; based on the user information and the at least one repayment channel, determine the optimal repayment channel corresponding to the user; the optimal repayment channel includes optimal repayment information; the optimal repayment information is the repayment channel with the lowest additional fee generated when the repayment platform assists the user in repaying.

[0018] In a third aspect, the present application provides a repayment channel determination device, which has the function of implementing the repayment channel determination method of the first aspect or any possible implementation method. The function can be implemented by hardware, or by hardware executing corresponding software. The hardware or software includes one or more modules corresponding to the above functions.

[0019] In a fourth aspect, a computer-readable storage medium is provided, in which instructions are stored, and when the computer-readable storage medium is executed on a computer, the computer can execute the method for determining the repayment channel of the first aspect or any possible implementation method.

[0020] In a fifth aspect, a computer program product comprising instructions is provided, which, when executed on a computer, enables the computer to execute the method for determining the repayment channel of the first aspect or any possible implementation method.

[0021] Among them, the technical effects brought about by any design method in the second to fifth aspects can refer to the technical effects brought about by different possible implementation methods in the first aspect, and will not be repeated here. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] In order to more clearly illustrate the specific implementation methods of the present application or the technical solutions in the prior art, the drawings required for use in the specific implementation methods or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are some implementation methods of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0023] Figure 1 A schematic diagram of a structure of a repayment channel determination device provided in an embodiment of the present application;

[0024] Figure 2 A structural diagram of a system for determining a repayment channel provided in an embodiment of the present application;

[0025] Figure 3 A flowchart of a method for determining a repayment channel provided in an embodiment of the present application;

[0026] Figure 4 A structural schematic diagram of a device for determining a repayment channel provided in an embodiment of the present application;

[0027] Figure 5 Another structural diagram of a system for determining a repayment channel provided in an embodiment of the present application. DETAILED DESCRIPTION

[0028] In order to make the purpose, technical solution and advantages of the embodiments of the present application clearer, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, rather than all the embodiments. The components of the embodiments of the present application described and shown in the drawings here can be arranged and designed in various different configurations.

[0029] Therefore, the following detailed description of the embodiments of the present application provided in the accompanying drawings is not intended to limit the scope of the present application for which protection is sought, but merely represents selected embodiments of the present application. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in the field without creative work are within the scope of protection of the present application.

[0030] At present, the payment system is becoming more mature and can support users to repay at any time through multiple platforms and channels. At present, when users repay, it is usually initiated by the user or the operator to legally deduct the user's authorized account. In this process, the repayment method and repayment amount are usually actively informed by the user or negotiated between the user and the operator. However, due to the diversity of repayment channels during the repayment process, the additional fees incurred by the repayment platform when assisting users to repay through various repayment channels are different, making it difficult to determine the most favorable repayment channel among multiple repayment channels.

[0031] Based on this, an embodiment of the present application provides a method for determining a repayment channel, the method comprising: obtaining user information of a user in response to a repayment request submitted by a user or an operator. Calculating the user information according to preset rules to determine at least one repayment channel corresponding to the user information. Determining the optimal repayment channel corresponding to the user based on the user information and at least one repayment channel. The optimal repayment channel is the repayment channel with the lowest additional cost generated when the repayment platform assists the user in repaying the loan.

[0032] The method for determining the repayment channel provided in the embodiment of the present application can calculate the user information based on the preset rules after responding to the repayment request submitted by the user or the operator, determine at least one repayment channel corresponding to the user information, and then determine the optimal repayment channel corresponding to the user based on the user information and at least one repayment channel, and assist the user in repayment in combination with the optimal repayment channel. In this process, there is no additional fee for the user to repay, and any repayment channel does not affect the total amount of the customer's repayment; it only affects the platform channel deduction fee. The additional fees generated in the process of the repayment platform assisting the user to repay can be minimized, reducing the operating costs of the repayment platform.

[0033] The implementation of the embodiments of the present application will be described in detail below with reference to the accompanying drawings.

[0034] On the one hand, a repayment channel determination method provided in an embodiment of the present application can be executed by a repayment channel determination device. Figure 1 As shown, the repayment channel determination device 100 may include: a data acquisition unit 101, a scene matching unit 102, a repayment channel routing unit 103, and an amount calculation unit 104.

[0035] Wherein, the data acquisition unit 101 acquires user information of a user.

[0036] Exemplarily, the data acquisition unit 101 may acquire the user information of the user from a database storing the user information through an interface.

[0037] The scenario matching unit 102 is used to match available repayment scenarios according to user information.

[0038] The repayment channel routing unit 103 is used to automatically route to the optimal repayment channel based on user information and repayment scenarios.

[0039] The amount calculation unit 104 calculates the actual repayment amount of the user based on the user information and the optimal repayment channel.

[0040] On the one hand, the repayment channel determination method provided in the embodiment of the present application can be executed by a repayment channel determination system. Figure 2 As shown, the repayment channel determination system 200 may include: a repayment channel determination device 100 and a cloud 201 .

[0041] The repayment channel determination device 100 may be, but is not limited to, a mobile phone, a tablet computer, a laptop computer, an ultra-mobile personal computer (UMPC), a netbook, or a personal digital assistant (PDA), and the specific type of the terminal device is not limited here. The repayment channel determination device 100 is used to support the repayment channel determination method provided in the embodiment of the present application, and in response to a repayment request submitted by a user or an operator, obtains user information of the user; calculates the user information according to a preset rule to determine at least one repayment channel corresponding to the user information; and determines the user's optimal repayment channel according to the user information and the at least one repayment channel. According to the optimal repayment channel and the optimal repayment information, the actual repayment amount of the user is determined.

[0042] The repayment channel determination device 100 may also be used to provide an interactive function for the user. The user may input data and information to the repayment channel determination device 100 through the interactive interface of the repayment channel determination device 100. For example, the user may manually input an order request through the interactive interface.

[0043] The cloud 201 may be a resource cluster shared by multiple repayment channel determination devices 100. The resource cluster can provide multiple algorithms for use by the repayment channel determination device 100. The resource cluster may belong to a public cloud or a private cloud. In the case of a public cloud, the resource cluster may be used by different company users and individual users. In the case of a private cloud, the resource cluster generally only serves the company users described in the private cloud.

[0044] On the one hand, the embodiment of the present application discloses a method for determining a repayment channel, which can be Figure 2 The repayment channel determination system 200 shown in FIG. Figure 1 The repayment channel determination device 100 shown is executed. Figure 3 As shown, the method may include:

[0045] S301, in response to a repayment request submitted by a user or an operator, obtaining user information of the user.

[0046] In a possible implementation, the user may directly submit a repayment request for the user's authorized account through the repayment channel determination device, or the user may actively inform the operator, and the operator submits the repayment request for the user's authorized account through the repayment channel determination device. After receiving the repayment request, the repayment channel determination device obtains the user information of the user from the cloud.

[0047] It should be noted that the device for determining the repayment channel can also be in the form of an app deployed on the user's device, and this application does not limit the specific form of the device for determining the repayment channel.

[0048] S302: Calculate the user information according to a preset rule to determine at least one repayment channel corresponding to the user information.

[0049] Among them, user information may include: loan information, repayment plan, repayment method and repayment time. Repayment method may include: user-bound bank card information, user-signed payment channel, etc. Loan information may include: loan balance, loan interest, etc.

[0050] In a possible implementation, the user information is calculated according to a preset rule to obtain at least one repayment scenario of the user information, and at least one repayment channel applicable to the user information is screened out from the at least one repayment scenario.

[0051] Specifically, based on the loan information, repayment plan, repayment method and repayment time as variable labels, at least one repayment scenario of the user information is constructed. The repayment scenario includes a label list composed of variable labels. For the label list in at least one repayment scenario, the value of the label list is calculated. Based on the at least one repayment scenario and the value, a cross matrix is ​​constructed. According to the cross matrix, at least one repayment channel applicable to the user information is determined.

[0052] For example, the user's bank card information is bank a, the contracted payment channel is b, the loan balance is c, the loan interest is d, the repayment plan is e, the repayment method is f, and the repayment time is g. Based on the above information as variable labels, at least one repayment scenario of the following user information is constructed. Each repayment scenario has a label list.

[0053]

[0054] Among them, scene 1 corresponds to (a1, b1, c1, d1, e1, f1, g1). Scene 2 corresponds to (a2, b2, c2, d2, e2, f2, g2). Scene 3 corresponds to (a3, b3, c3, d3, e3, f3, g3). Scene n corresponds to (a n , b n , c n , d n , e n , f n , g n ). Among them, a1 and a2 are specific scenarios in bank a.

[0055] For the label list in the repayment scenario, the repayment scenario that meets the repayment method and repayment time selected by the user is taken as the qualified repayment scenario, and the loan balance and loan interest are taken as the repayment value. Based on at least the repayment scenario and the repayment value, the following cross matrix is ​​obtained.

[0056]

[0057] Based on the results of the cross matrix, determine the repayment channel applicable to the user information. For example, based on the repayment scenarios and repayment values ​​in the cross matrix, determine the repayment value results under different repayment scenarios. The result is used to indicate whether the repayment scenario supports user repayment. When the repayment scenario supports user repayment, it is determined as a repayment channel available to the user.

[0058] S303: Determine the optimal repayment channel corresponding to the user based on the user information and at least one repayment channel.

[0059] The optimal repayment channel is the repayment channel with the lowest additional cost when the repayment channel determination device assists the user in repaying the loan. The additional cost may include: service fee, handling fee, channel discount, platform discount, etc.

[0060] In a possible implementation, the repayment channel determination device calculates, based on the user information and at least one repayment channel, the additional fee generated by each repayment channel when the repayment platform uses each repayment channel of the at least one repayment channel to assist the user in repaying the loan, and determines the repayment channel with the lowest additional fee as the optimal repayment channel.

[0061] Exemplarily, for each available repayment channel, the additional fees incurred by the user using the repayment channel are calculated to obtain the following matrix.

[0062]

[0063] The additional costs incurred by each repayment channel are compared, and the repayment channel with the lowest cost is the optimal repayment channel.

[0064] In this process, user information and at least one repayment channel can be used to calculate the additional fees of each repayment channel in the at least one repayment channel, and the repayment channel with the lowest additional fee can be determined as the optimal repayment channel. The most favorable repayment channel can be selected from multiple repayment channels to reduce the operating costs of the repayment platform.

[0065] In another possible implementation, the optimal repayment channel may include a preset repayment channel. The preset repayment channel may be a repayment channel pre-selected by the user. The remaining repayment amount of the user is determined based on the preset repayment channel and the preset repayment amount. The preset repayment amount is the repayment amount specified by the user through the preset repayment channel. The additional fee of the repayment channel in the at least one repayment channel other than the preset repayment channel is calculated based on the user information, at least one repayment channel other than the preset repayment channel, and the remaining repayment amount of the user. The preset repayment channel and the repayment channel with the lowest additional fee are determined as the optimal repayment channel.

[0066] For example, a user customer chooses to repay 50,000 yuan to Bank A. The daily limit of Bank A through Channel A is 30,000 yuan, the daily limit of Bank A through Channel B is 30,000 yuan, and the daily limit of Bank A through Channel C is 30,000 yuan. When a customer initiates a repayment, the backend automatically routes the repayment through the channels based on the principle of optimal cost.

[0067] For example, a customer chooses to repay 50,000 yuan to Bank B, but the total daily limit for all channels in the background is only 20,000 yuan. The system automatically recommends the customer to choose other banks to repay the remaining amount.

[0068] Furthermore, in response to the user's repayment execution request, repayment is made through the optimal repayment channel.

[0069] The method for determining a repayment channel provided in the embodiment of the present application, after responding to a repayment request submitted by a user or operator, determines the optimal repayment channel applicable to the user by using user information. After the user determines to repay, the repayment platform can use the optimal repayment channel to repay, and the total amount of the user's repayment remains unchanged during the process, so that the additional costs incurred by the repayment platform in assisting the user in repayment are minimized, thereby reducing the operating costs of the repayment platform.

[0070] Furthermore, after determining the optimal repayment channel corresponding to the user, the repayment channel determination device will also display the user's target repayment amount, target repayment interest and service fee to the user.

[0071] Exemplarily, based on the optimal repayment channel and the optimal repayment information, a list of amount components is generated. The list of amount components is as follows. The amount components may include one or more of a target repayment amount, a target repayment interest, and a service fee.

[0072]

[0073] For example, amount component 1 may include a target repayment amount. Amount component 2 may include a target repayment interest. Amount component 3 may include service fee 1. Amount component n may include service fee n.

[0074] Execute the calculation logic of each amount component to obtain the corresponding actual repayment amount.

[0075] If the calculation fails when executing the calculation logic of the amount component, the reason for the failure is obtained and returned to the user. At the same time, the user can re-initiate the repayment channel determination process.

[0076]

[0077] The results of the amount components are summarized to obtain the actual repayment amount. The user's target repayment amount, target repayment interest and service fee are displayed to the user through a visualization tool.

[0078] In this process, the user's target repayment amount, target repayment interest and service fee are displayed to the user, which makes it convenient for the user to view the specific details of all the amounts that the user needs to repay, thereby improving the user experience.

[0079] The above mainly introduces the solution provided by the embodiment of the present application from the perspective of the working principle of the device. It can be understood that in order to realize the above functions, the repayment channel determination device includes hardware structures and / or software modules corresponding to the execution of each function. Those skilled in the art should easily realize that, in combination with the algorithm steps of each example described in the embodiments disclosed in this article, the present application can be implemented in the form of hardware or a combination of hardware and computer software. Whether a function is executed in the form of hardware or computer software driving hardware depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0080] The embodiment of the present application can divide the functional modules of the repayment channel determination device according to the above method example. For example, each functional module can be divided according to each function, or two or more functions can be integrated into one processing module. The above integrated module can be implemented in the form of hardware or software functional module.

[0081] It should be noted that the division of modules in the embodiments of the present application is schematic and is only a logical function division. There may be other division methods in actual implementation. Figure 4 FIG. 2 shows a possible schematic diagram of the composition of the device for determining the repayment channel involved in the above-mentioned embodiments. Figure 4As shown, the repayment channel determination device 400 may include: an acquisition module 401 and a processing module 402.

[0082] Among them, the acquisition module 401 is used to support the repayment channel determination device 400 to execute Figure 3 S301 illustrates a method for determining a repayment channel.

[0083] Processing module 402, used for supporting the repayment channel determination device 400 to execute Figure 3 S302 or S303 of the illustrated method for determining the repayment channel.

[0084] It should be noted that all relevant contents of each step involved in the above method embodiment can be referred to the functional description of the corresponding functional module and will not be repeated here.

[0085] The repayment channel determination device 400 provided in the embodiment of the present application is used to perform the above Figure 3 The method for determining the repayment channel shown can therefore achieve the same effect as the method for determining the repayment channel mentioned above.

[0086] The present application also provides a repayment channel determination device, which may be the repayment channel determination device described in the above embodiment. Figure 1 The repayment channel determination device 100 shown in the figure can execute the repayment channel determination method and related steps in the above method embodiment.

[0087] An embodiment of the present application also provides a computer-readable storage medium having instructions stored thereon, which, when executed, execute the repayment channel determination method and related steps in the above method embodiment.

[0088] An embodiment of the present application also provides a computer program product. When the computer program product is run on a computer, the computer executes the method for determining the repayment channel and related steps in the above method embodiment.

[0089] In some embodiments, the methods described herein may be implemented as computer program instructions encoded in a machine-readable format on a computer-readable storage medium or encoded on other non-transitory media or articles of manufacture.

[0090] The present application embodiment also provides a repayment channel determination system 500, such as Figure 5 As shown, the repayment channel determination system 500 includes at least one processor 501 and at least one interface circuit 502 .

[0091] As an example, when the repayment channel determination system 500 includes a processor and an interface circuit, the processor may be Figure 5The processor 501 shown in the solid line frame (or the processor 501 shown in the dotted line frame) may be Figure 5 The interface circuit 502 shown in the solid line frame (or the interface circuit 502 shown in the dotted line frame). When the chip system 500 includes two processors and two interface circuits, the two processors include Figure 5 The processor 501 shown in the solid line frame and the processor 501 shown in the dotted line frame, the two interface circuits include Figure 5 The interface circuit 502 shown in the solid line frame and the interface circuit 502 shown in the dotted line frame are not limited to this.

[0092] The processor 501 and the interface circuit 502 may be interconnected via a line. For example, the interface circuit 502 may be used to receive a signal. In another example, the interface circuit 502 may be used to send a signal to another device (e.g., the processor 501). For example, the interface circuit 502 may read a computer instruction stored in a memory and send the computer instruction to the processor 501. The processor 501 executes the instruction and implements the various steps in the above embodiments in combination with the input and output devices, such as implementing Figure 3 The various steps performed in the method embodiment shown. Of course, the chip system may also include other discrete devices, which are not specifically limited in the embodiment of the present application.

[0093] Through the description of the above implementation methods, technical personnel in the relevant field can clearly understand that for the convenience and simplicity of description, only the division of the above-mentioned functional modules is used as an example. In actual applications, the above-mentioned functions can be assigned to different functional modules as needed, that is, the internal structure of the device can be divided into different functional modules to complete all or part of the functions described above.

[0094] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the modules or units is only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another device, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0095] The units described as separate components may or may not be physically separated, and the components shown as units may be one physical unit or multiple physical units, that is, they may be located in one place or distributed in multiple different places. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0096] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0097] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a readable storage medium. Based on this understanding, the technical solution of the embodiment of the present application is essentially or the part that contributes or all or part of the technical solution can be embodied in the form of a software product, which is stored in a storage medium, including several instructions to enable a device (which can be a single-chip microcomputer, chip, etc.) or a processor (processor) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM), random access memory (RAM), disk or optical disk and other media that can store program code.

[0098] The above contents are only specific implementation methods of the present application, but the protection scope of the present application is not limited thereto. Any changes or substitutions within the technical scope disclosed in the present application shall be included in the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.

Claims

1. A method for determining a repayment channel, characterized in that: Applied to a repayment platform; the method comprises: In response to a repayment request submitted by a user or an operator, obtaining user information of the user; the user information includes a total repayment amount; Calculate the user information according to a preset rule to determine at least one repayment channel corresponding to the user information; Based on the user information and the at least one repayment channel, the optimal repayment channel corresponding to the user is determined; the optimal repayment channel is the repayment channel with the lowest additional fee when the repayment platform assists the user in repaying; the total repayment amount corresponding to the user remains unchanged.

2. The method according to claim 1, characterized in that The calculating the user information according to a preset rule to determine at least one repayment channel corresponding to the user information includes: Calculating the user information according to the preset rule to obtain at least one repayment scenario of the user information; The at least one repayment channel applicable to the user information is screened out from the at least one repayment scenario.

3. The method according to claim 2, characterized in that The user information includes one or more of the following: loan information, repayment plan, repayment method and repayment time; The calculating the user information according to the preset rule to obtain at least one repayment scenario of the user information includes: constructing at least one repayment scenario of the user information based on the loan information, the repayment plan, the repayment method and the repayment time as variable labels; The one repayment scenario includes a label list consisting of the variable labels.

4. The method according to claim 2, characterized in that: The step of selecting the at least one repayment channel applicable to the user information from the at least one repayment scenario includes: For the tag list in the at least one repayment scenario, calculating a value of the tag list; constructing a cross matrix based on the at least one repayment scenario and the values; According to the cross matrix, the at least one repayment channel applicable to the user information is determined.

5. The method according to claim 1, characterized in that The determining, based on the user information and the at least one repayment channel, an optimal repayment channel corresponding to the user includes: Calculating, based on the user information and the at least one repayment channel, additional fees incurred by each repayment channel when the repayment platform uses each repayment channel of the at least one repayment channel to assist the user in making repayments; The repayment channel with the lowest additional fee is determined as the optimal repayment channel.

6. The method according to claim 1, characterized in that The optimal repayment channel includes a preset repayment channel; and determining the optimal repayment channel of the user according to the user information and the at least one repayment channel includes: Determine the remaining repayment amount of the user according to the preset repayment channel and the preset repayment amount; the preset repayment amount is the repayment amount specified by the user through the preset repayment channel; Calculating an additional fee for the repayment channel in the at least one repayment channel other than the preset repayment channel according to the user information, the at least one repayment channel other than the preset repayment channel, and the remaining repayment amount of the user; The preset repayment channel and the repayment channel with the lowest additional fee are determined as the optimal repayment channel.

7. The method according to claim 1, characterized in that The user information also includes a target repayment amount, a target repayment interest and a service fee; the method also includes: The user's target repayment amount, the target repayment interest, and the service fee are displayed to the user.

8. The method according to claim 1, characterized in that The method further comprises: In response to the user's repayment execution request, repayment is made through the optimal repayment channel.

9. A device for determining a repayment channel, characterized in that: The device comprises: An acquisition module, configured to acquire user information of the user in response to a repayment request submitted by a user or an operator; the user information includes a total repayment amount; A processing module is used to calculate the user information according to preset rules to determine at least one repayment channel corresponding to the user information; determine the optimal repayment channel corresponding to the user according to the user information and the at least one repayment channel; the optimal repayment channel includes optimal repayment information; the optimal repayment information is the repayment channel with the lowest additional fee when the repayment platform assists the user in repaying; the total repayment amount corresponding to the user remains unchanged.

10. A device for determining a repayment channel, characterized in that: The repayment channel determination device includes a processor and a memory, the memory stores machine executable instructions that can be executed by the processor, and the processor executes the machine executable instructions to implement the repayment channel determination method described in any one of claims 1 to 8.

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