Monthly supply bill generation method and device, equipment, storage medium and program product

Abstract

The invention discloses a monthly supply bill generation method and device, equipment, a storage medium and a program product, and relates to the technical field of data processing, and the method comprises the steps: receiving a delay monthly supply bill generation request when a preset repayment stage is a delay return period; based on a pre-generated loan delay return bitmap, generating a delay monthly supply bill according to the delay monthly supply bill generation request and a pre-generated frozen monthly supply bill, the frozen monthly supply bill being generated based on a pre-generated monthly supply bill frozen bitmap when the repayment stage is a pause return period; and generating a monthly supply bill generation result according to the delayed monthly supply bill. According to the method, the problems that according to an existing loan delay return method, the repayment pressure of the customer is suddenly increased after the delay return period is ended, the overall return interest is increased due to the fact that the customer enjoys the delay repayment, or the monthly supply of the delayed return loan of the customer is increased are solved, and smooth transition of loan delay return is achieved.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a method, device, equipment, storage medium and program product for generating a monthly payment bill. Background Art

[0002] For retail loan customers who are in difficulty and unable to repay the principal and interest of their loans in the short term, banks need to provide bill deferral services to ease the short-term repayment pressure of troubled customers and avoid the adverse impact of possible conflicts on the customers themselves or the social and economic order. The solutions currently commonly used are as follows:

[0003] (1) Delaying repayment by freezing the loan for several months. After the loan is frozen, it will not participate in online repayment, batch repayment, or transfer to overdue during the freezing period, so that the customer does not need to repay the loan during the freezing period and can repay the loan after the freezing period ends. The main drawback of this solution is that the customer must immediately repay the total monthly payment generated during the freezing period after the loan freezing period ends, which leads to the adverse effect of a sudden increase in the customer's repayment pressure.

[0004] (2) This can be achieved by adjusting the customer's monthly repayment plan. For loans with deferred repayment, the monthly payment plan is recalculated in three stages: "suspension period", "interest repayment period" and "normal repayment period". Suspension period: no repayment is required and early cancellation can be applied for. The interest repayment period will begin after the suspension period expires or is canceled. Interest repayment period: after a customer suspends repayment for X months, the interest generated by the remaining principal of the loan (including the suspension period + interest repayment period) must be repaid within the interest repayment period before the "normal repayment period" can begin. Normal repayment period: during the remaining term of the loan, the monthly payment is recalculated based on the remaining principal, term, interest rate and repayment method. The main drawback of this solution is that it will lead to an increase in the customer's overall loan repayment interest. After entering the normal repayment period, the monthly payment will be higher than when there is no deferred repayment.

[0005] The above contents are only used to assist in understanding the technical solution of the present application and do not constitute an admission that the above contents are prior art. Summary of the invention

[0006] The main purpose of this application is to provide a method, device, equipment, storage medium and program product for generating a monthly payment bill, which aims to solve the technical problems of existing loan extension methods, such as a sudden increase in customer repayment pressure after the extension period, the adverse effect of an increase in overall repayment interest due to the customer's enjoyment of the extension, or an increase in the customer's monthly payment for the loan extension.

[0007] To achieve the above purpose, the present application proposes a method for generating a monthly payment bill, the method comprising:

[0008] When the preset repayment period is the deferred repayment period, a request for generating a deferred monthly payment bill is received;

[0009] Based on a pre-generated loan deferred repayment bitmap, generating a deferred monthly payment bill according to the deferred monthly payment bill generation request and the pre-generated frozen monthly payment bill, wherein the frozen monthly payment bill is generated based on the pre-generated monthly payment bill freezing bitmap when the repayment stage is a suspended repayment period;

[0010] A monthly payment bill generation result is generated based on the deferred monthly payment bill.

[0011] In one embodiment, the step of obtaining the first initial monthly payment bill and the deferred repayment amortization amount based on the loan deferred repayment bitmap and the preset monthly payment calculation logic, according to the deferred monthly payment bill generation request and the frozen monthly payment bill, comprises:

[0012] Based on the monthly payment calculation logic, the first initial monthly payment bill is calculated and generated according to the first initial loan data in the request for generating the deferred monthly payment bill;

[0013] According to the loan deferred repayment bitmap, obtaining deferred repayment period data;

[0014] Based on the deferred repayment period data and according to the frozen monthly payment bill, the deferred repayment amortization amount is generated.

[0015] In one embodiment, before the step of generating the deferred monthly payment bill based on the pre-generated loan deferred repayment bitmap and according to the deferred monthly payment bill generation request and the pre-generated frozen monthly payment bill, the step further includes:

[0016] When the repayment stage is a repayment suspension period, receiving a request to freeze the generation of a monthly payment bill;

[0017] Based on the monthly payment bill freezing bitmap and according to the frozen monthly payment bill generation request, the frozen monthly payment bill is generated.

[0018] In one embodiment, the step of generating the frozen monthly payment bill based on the monthly payment bill freezing bitmap and according to the frozen monthly payment bill generation request includes:

[0019] Based on the preset monthly payment calculation logic, the second initial monthly payment bill is calculated and generated according to the second initial loan data in the frozen monthly payment bill generation request;

[0020] Based on the frozen monthly payment bill generation request and the monthly payment bill freezing bitmap, the second initial monthly payment bill is marked with a suspended repayment mark to generate the frozen monthly payment bill.

[0021] In one embodiment, before the step of generating the deferred monthly payment bill based on the pre-generated loan deferred repayment bitmap and according to the deferred monthly payment bill generation request and the pre-generated frozen monthly payment bill, the step further includes:

[0022] Receive loan extension application requests;

[0023] According to the loan extension application request, obtaining application date data, extension period data, repayment period data and loan due date data;

[0024] Generate the monthly payment bill freezing bitmap according to the application date data and the extension period data;

[0025] The loan deferred repayment bitmap is generated according to the repayment period data and the loan due date data.

[0026] In addition, to achieve the above purpose, the present application also proposes a monthly bill generation device, the monthly bill generation device comprising:

[0027] A request receiving module, used for receiving a request for generating a deferred monthly payment bill when the preset repayment stage is a deferred repayment period;

[0028] A bill generation module, for generating a deferred monthly payment bill based on a pre-generated loan deferred repayment bitmap, according to the deferred monthly payment bill generation request and a pre-generated frozen monthly payment bill, wherein the frozen monthly payment bill is generated based on the pre-generated monthly payment bill frozen bitmap when the repayment stage is a suspended repayment period;

[0029] A result generation module is used to generate a monthly payment bill generation result according to the deferred monthly payment bill.

[0030] In addition, to achieve the above-mentioned purpose, the present application also proposes a monthly payment bill generation device, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, and the computer program is configured to implement the steps of the monthly payment bill generation method described above.

[0031] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by the processor, the steps of the monthly payment bill generation method described above are implemented.

[0032] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the steps of the monthly payment bill generation method as described above.

[0033] This application provides a method for generating a monthly payment bill. When the repayment stage is a suspended repayment period, a frozen monthly payment bill is generated based on the monthly payment bill freezing bitmap. The frozen monthly payment bill does not participate in batch repayment, transfer to overdue and other bank backend batch operations, so that the customer does not need to repay and will not cause the loan to be overdue. When the repayment stage is a deferred repayment period, a deferred monthly payment bill is generated based on the loan deferred repayment bitmap according to the frozen monthly payment bill. The customer can choose to amortize these frozen monthly payment bills to the subsequent N months of repayment according to the plan. In this way, a smooth transition of loan deferred repayment is achieved, achieving the effect of unchanged overall interest for customers, unchanged monthly payment plan, and smooth repayment pressure. BRIEF DESCRIPTION OF THE DRAWINGS

[0034] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0035] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0036] Figure 1 A flowchart of the first embodiment of the method for generating a monthly payment bill for this application;

[0037] Figure 2 A flowchart of the second embodiment of the method for generating a monthly payment bill for this application;

[0038] Figure 3 A brief flowchart of the method for generating a monthly payment bill provided in Example 2 of the present application;

[0039] Figure 4 A schematic diagram of the data structure of a monthly bill freeze bitmap and a loan deferred repayment bitmap provided in Example 2 of the present application;

[0040] Figure 5 A schematic diagram of a simplified process for generating a monthly payment bill provided in Example 2 of the present application;

[0041] Figure 6 A schematic diagram of a simplified process for processing a monthly payment bill provided in Example 2 of the present application;

[0042] Figure 7 This is a schematic diagram of the module structure of the monthly bill generation device of the embodiment of the present application;

[0043] Figure 8 Schematic diagram of the device structure of the hardware operating environment involved in the method for generating a monthly payment bill in an embodiment of the present application.

[0044] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0045] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0046] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0047] The main solutions of the embodiments of this application are:

[0048] When the preset repayment period is the deferred repayment period, a request for generating a deferred monthly payment bill is received;

[0049] Based on a pre-generated loan deferred repayment bitmap, generating a deferred monthly payment bill according to the deferred monthly payment bill generation request and the pre-generated frozen monthly payment bill, wherein the frozen monthly payment bill is generated based on the pre-generated monthly payment bill freezing bitmap when the repayment stage is a suspended repayment period;

[0050] A monthly payment bill generation result is generated based on the deferred monthly payment bill.

[0051] In the prior art, there are mainly two solutions for loan repayment extension:

[0052] (1) Delaying repayment by freezing the loan for several months. After the loan is frozen, it will not participate in online repayment, batch repayment, or transfer to overdue during the freezing period, so that the customer does not need to repay the loan during the freezing period and can repay the loan after the freezing period ends. The main drawback of this solution is that the customer must immediately repay the total monthly payment generated during the freezing period after the loan freezing period ends, which leads to the adverse effect of a sudden increase in the customer's repayment pressure.

[0053] (2) This can be achieved by adjusting the customer's monthly repayment plan. For loans with deferred repayment, the monthly payment plan is recalculated in three stages: "suspension period", "interest repayment period" and "normal repayment period". Suspension period: no repayment is required and early cancellation can be applied for. The interest repayment period will begin after the suspension period expires or is canceled. Interest repayment period: after a customer suspends repayment for X months, the interest generated by the remaining principal of the loan (including the suspension period + interest repayment period) must be repaid within the interest repayment period before the "normal repayment period" can begin. Normal repayment period: during the remaining term of the loan, the monthly payment is recalculated based on the remaining principal, term, interest rate and repayment method. The main drawback of this solution is that it will lead to an increase in the customer's overall loan repayment interest. After entering the normal repayment period, the monthly payment will be higher than when there is no deferred repayment.

[0054] This application provides a solution. When the repayment stage is the suspension period, a frozen monthly payment bill is generated based on the monthly payment bill freezing bitmap. The frozen monthly payment bill does not participate in batch repayment, transfer to overdue and other bank backend batch operations, so that customers do not need to repay and will not cause loan overdue. When the repayment stage is the deferred repayment period, based on the loan deferred repayment bitmap, a deferred monthly payment bill is generated according to the frozen monthly payment bill. Customers can choose to amortize these frozen monthly payment bills to the subsequent N months of repayment according to the plan. In this way, a smooth transition of loan deferred repayment is achieved, achieving the effect of unchanged overall interest for customers, unchanged monthly payment plan, and smooth repayment pressure.

[0055] It should be noted that the execution subject of this embodiment can be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device capable of realizing the above functions, a monthly bill generation system, etc. The following takes the monthly bill generation system as an example to illustrate this embodiment and the following embodiments.

[0056] Based on this, the present application embodiment provides a method for generating a monthly bill, referring to Figure 1 , Figure 1 This is a flowchart of the first embodiment of the method for generating a monthly payment bill for this application.

[0057] In this embodiment, the monthly payment bill generation method includes steps S10 to S30:

[0058] Step S10, when the preset repayment stage is the deferred repayment period, receiving a request for generating a deferred monthly payment bill;

[0059] When the preset repayment period is the deferred repayment period, the monthly payment bill generation system receives a request for generating a deferred monthly payment bill.

[0060] It should be noted that the repayment stage refers to the different repayment cycles of the user's loan, such as normal repayment, suspended repayment, etc. This concept helps manage the different states of the loan. The request to generate a deferred monthly payment bill is the action of a user or administrator requesting to generate a monthly payment bill for the deferred repayment period, which triggers the subsequent bill generation process.

[0061] Step S20, based on a pre-generated loan deferred repayment bitmap, generating a deferred monthly payment bill according to the deferred monthly payment bill generation request and the pre-generated frozen monthly payment bill, wherein the frozen monthly payment bill is generated based on the pre-generated monthly payment bill freezing bitmap when the repayment stage is a suspended repayment period;

[0062] The monthly payment bill generation system generates a deferred monthly payment bill based on a pre-generated loan deferred repayment bitmap, a deferred monthly payment bill generation request and a pre-generated frozen monthly payment bill.

[0063] It should be noted that the loan extension repayment bitmap contains information on all necessary fields and formats during the extension period. The loan extension repayment bitmap is a data structure used to identify various types of billing information. It contains all necessary fields and formats. Its function is to serve as the basis for generating bills. The frozen monthly payment bill is a bill generated when the repayment stage is a suspended repayment period, which reflects the billing status during this period.

[0064] Among them, the deferred monthly payment bill should include the following: user information (name, account information, etc.), the amount to be repaid during the deferred period, the new repayment plan (such as the new repayment date and amount), and other relevant financial information (such as liquidated damages, interest changes, etc.).

[0065] In a feasible implementation manner, before step S20, steps S401 to S402 may also be included:

[0066] Step S401, when the repayment stage is a suspension period of repayment, receiving a request for freezing the generation of a monthly payment bill;

[0067] Step S402: Based on the monthly payment bill freezing bitmap and according to the frozen monthly payment bill generation request, the frozen monthly payment bill is generated.

[0068] When the repayment stage is a suspended repayment period, the monthly payment bill generation system receives a frozen monthly payment bill generation request, and then extracts the required structured information from the monthly payment bill freezing bitmap and the frozen monthly payment bill generation request, including the user's loan information, the repayment amount during the freezing period, interest calculation, etc. Based on the extracted information, the system automatically generates a frozen monthly payment bill.

[0069] It should be noted that the suspended repayment period is the time period during which the user requests to suspend repayment due to specific reasons (such as unemployment, medical problems, etc.). The frozen monthly payment bill generation request is a request submitted by the user containing relevant loan information, including loan amount, interest rate, loan term, etc. The frozen monthly payment bill contains the user's financial information during the suspended repayment period, showing various expenses during the freezing period and future repayment plans. The monthly payment bill freezing bitmap is structured information used to represent the contents of the frozen bill, helping the system to accurately extract data when generating the bill.

[0070] Among them, the frozen monthly payment bill may include the following: monthly repayment amount (if applicable), suspension status description, and other relevant loan information.

[0071] In this implementation, the entire process uses an automated system to handle the customer's repayment status, reducing manual intervention and improving efficiency. Customers can clearly see their loan status, including any frozen monthly payments or deferred repayment information, enhancing transparency, and making it easier for customers to understand complex financial information through a visual bitmap presentation. Frozen monthly payment bills do not participate in batch repayments, transfers to overdue, and other bank backend batch operations, thereby achieving the purpose of not requiring customers to repay and not causing loan overdue.

[0072] In another feasible implementation, step S402 may include steps S4021 to S4022:

[0073] Step S4021, based on the preset monthly payment calculation logic, calculate and generate a second initial monthly payment bill according to the second initial loan data in the frozen monthly payment bill generation request;

[0074] Step S4022: Based on the frozen monthly payment bill generation request and the monthly payment bill freezing bitmap, the second initial monthly payment bill is marked as suspended repayment to generate the frozen monthly payment bill.

[0075] The monthly payment bill generation system is based on the preset monthly payment calculation logic and calculates the monthly repayment amount according to the key parameters (loan amount, interest rate, term) in the second initial loan data in the frozen monthly payment bill generation request, generates the second initial monthly payment bill, and then extracts the information related to the second initial monthly payment bill from the frozen monthly payment bill generation request, checks the bill items that need to suspend repayment according to the monthly payment bill freezing bitmap, and adds a "suspend repayment" mark to the relevant bill items in the second initial monthly payment bill according to the freezing bitmap. The mark can be visually highlighted or noted in the bill description so that the user can clearly understand the current repayment status and obtain the frozen monthly payment bill.

[0076] It should be noted that the monthly payment calculation logic refers to the formula or algorithm used to calculate the monthly payment amount, which usually takes into account factors such as the loan amount, interest rate, and term. The suspended repayment mark is a note or status mark added to the bill, indicating that the repayment of the bill has been temporarily suspended. Integrating multiple steps into a smooth processing flow reduces manual intervention and possible errors and improves operational efficiency. Among them, the second initial monthly payment bill can include the following: monthly repayment amount, total repayment amount, total interest, and repayment schedule (optional).

[0077] In this implementation, a second initial monthly payment bill that conforms to the actual situation is automatically generated through the preset monthly payment calculation logic to ensure the accuracy and reliability of the bill, and the frozen monthly payment bill is marked with a suspended repayment mark, so that customers can understand their current repayment obligations at a glance and improve the user experience. In this way, an efficient and accurate frozen monthly payment bill generation process can be achieved. This process not only improves operational efficiency, but also improves the customer's experience, and effectively solves a number of technical problems such as calculation accuracy, information update, user understanding, process efficiency, and data consistency. The frozen monthly payment bill does not participate in batch repayments, transfers to overdue, and other bank backend batch operations, thereby achieving the purpose of customers not having to repay and not causing loan overdue.

[0078] Step S30, generating a monthly payment bill generation result according to the deferred monthly payment bill.

[0079] The monthly payment bill generation system generates a monthly payment bill generation result based on the deferred monthly payment bill.

[0080] It should be noted that the monthly payment bill generation results may include the following: user basic information, original loan information, new repayment plan, key financial data of the deferred monthly payment bill, and any adjustment notes (such as interest changes, fees, etc.).

[0081] This embodiment provides a method for generating a monthly payment bill. When the repayment stage is a suspended repayment period, a frozen monthly payment bill is generated based on the monthly payment bill freezing bitmap. The frozen monthly payment bill does not participate in batch repayment, transfer to overdue and other bank backend batch operations, so that the customer does not need to repay and will not cause the loan to be overdue. When the repayment stage is a deferred repayment period, a deferred monthly payment bill is generated based on the loan deferred repayment bitmap according to the frozen monthly payment bill. The customer can choose to amortize these frozen monthly payment bills to the subsequent N months of repayment according to the plan. In this way, a smooth transition of loan deferred repayment is achieved, and the overall interest of the customer remains unchanged, the monthly payment plan remains unchanged, and the repayment pressure is smoothed.

[0082] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those in the above-mentioned embodiment 1 can refer to the above introduction, and will not be repeated later. Figure 2 , step S20 may include steps S201 to S202:

[0083] Step S201, based on the loan deferred repayment bitmap and the preset monthly payment calculation logic, according to the deferred monthly payment bill generation request and the frozen monthly payment bill, obtain the first initial monthly payment bill and the deferred repayment amortization amount;

[0084] Step S202, based on the request for generating the deferred monthly payment bill, the deferred monthly payment bill is generated according to the deferred repayment amortization amount and the first initial monthly payment bill.

[0085] The monthly payment bill generation system determines which bill items need to be deferred based on the loan deferred repayment bitmap, which may involve multiple payments throughout the loan cycle. The initial monthly payment is calculated using the preset monthly payment calculation logic to obtain the first initial monthly payment bill. At this time, the loan principal, interest rate, term and any possible fees need to be considered, and the repayment amount corresponding to the frozen monthly payment bill is amortized to obtain the additional amount to be paid each month, that is, the deferred repayment amortization amount. This amortization method ensures that users can see the increased burden due to the extension in each future bill. Then, basic repayment information is extracted from the first initial monthly payment bill, such as principal, interest and the basic amount payable each month. The new monthly payment amount is calculated by adding the deferred repayment amortization amount to the first initial monthly payment bill. Based on the calculation results, a deferred monthly payment bill is formed to ensure that the amount payable each month and related instructions are listed in detail.

[0086] It should be noted that the loan extension repayment bitmap represents the information structure of which bill items or repayment plans are extended, helping the system identify the parts that need to be extended and ensuring that only relevant bill items are calculated. The monthly payment calculation logic is used to calculate the formula or rules for the monthly payment amount, which usually includes parameters such as principal, interest rate and loan term. It can provide a standardized method to calculate the user's initial monthly payment amount. The first initial monthly payment bill contains the first month's repayment amount that the user should pay under normal circumstances. The deferred repayment amortization amount is the repayment amount recalculated due to the loan extension, usually by amortizing the deferred amount into subsequent monthly payments.

[0087] In a feasible implementation, step S201 may include steps S2011 to S2013:

[0088] Step S2011, based on the monthly payment calculation logic, calculate and generate the first initial monthly payment bill according to the first initial loan data in the request for generating the deferred monthly payment bill;

[0089] Step S2012, obtaining deferred repayment period data according to the loan deferred repayment bitmap;

[0090] Step S2013, based on the deferred repayment period data and according to the frozen monthly payment bill, generate the deferred repayment amortization amount.

[0091] The monthly payment bill generation system is based on the monthly payment calculation logic. It calculates and generates the first initial monthly payment bill according to the first initial loan data in the deferred monthly payment bill generation request. It then generates the deferred repayment amortization amount based on the deferred repayment period data and the frozen monthly payment bill. Finally, based on the deferred repayment period data, it allocates the frozen monthly payment bill to the deferred repayment period to generate the deferred repayment amortization amount.

[0092] It should be noted that the first initial loan data contains information such as the loan amount, interest rate, and term, so that accurate calculations can be made. The deferred repayment period data indicates how long it will take to pay off the frozen monthly payment bill. The deferred repayment amortization amount is the additional monthly repayment amount, which is used to cover the financial impact caused by suspended repayments and extensions.

[0093] Among them, the first initial monthly payment bill may include the following contents: monthly repayment amount, repayment period, total interest, and total repayment amount.

[0094] In this embodiment, the monthly payment is accurately calculated based on the initial loan data to ensure that the generated first initial monthly payment bill reflects the actual repayment situation. By obtaining the deferred repayment period data, the system can dynamically adjust and manage the deferred repayment period, improve the responsiveness to customer needs, and the amortized amount generated according to the deferred repayment period ensures that customers can clearly understand the specific monthly expenses when repaying, avoiding confusion caused by unclear fee structure. Through a clear bill structure and timely information updates, customers can easily grasp their financial situation, improving user experience and satisfaction. Thus, efficient and accurate deferred repayment bill generation can be achieved, while effectively solving multiple technical problems such as calculation errors, information lags, complexity management, time efficiency and communication costs. This integrated processing method not only improves operational efficiency, but also helps to improve user experience. The deferred monthly payment bill can freeze the monthly payment bill according to the customer's choice and amortize it to N months in the deferred repayment period, realizing a smooth transition of loan deferred repayment, achieving the effect of unchanged overall interest, unchanged monthly payment plan, and smooth repayment pressure for customers.

[0095] In another feasible implementation manner, before step S20, steps S501 to S504 may also be included:

[0096] Step S501, receiving a loan extension application request;

[0097] Step S502, according to the loan extension application request, obtaining application date data, extension period data, repayment period data and loan due date data;

[0098] Step S503, generating the monthly payment bill freezing bitmap according to the application date data and the extension period data;

[0099] Step S504: generating the loan deferred repayment bitmap according to the repayment period data and the loan due date data.

[0100] The monthly payment bill generation system receives a loan extension application request, extracts key information from the customer's loan extension application, obtains application date data, extension period data, repayment period data and loan due date data, and then generates a monthly payment bill freeze bitmap based on the customer's application date and extension period to prevent the customer from incurring additional fees or interest changes due to the application, and then generates a loan extension repayment bitmap based on the repayment period data and loan due date data to clearly display the customer's repayment arrangement and due information during the extended repayment period.

[0101] It should be noted that the loan extension application request is a request submitted by the customer, indicating the willingness to postpone the repayment time, which is used to trigger the subsequent processing process to ensure timely response to customer needs. The application date data is the date when the customer submits the application, the extension period data is the number of months for which the customer requests to suspend repayment, the repayment period data is the number of months for which the customer requests to postpone repayment, the loan due date data is the original loan termination date, and the monthly payment bill freeze bitmap represents an image or data structure of the current monthly payment status, indicating that the bill will not change when the extension application is processed, preventing the customer from incurring additional fees or interest changes due to the application. The loan extension repayment bitmap shows the new repayment plan and bill structure after the extension processing, ensuring that the customer clearly understands the new repayment responsibility. In this way, a comprehensive, efficient and user-friendly loan extension management system can be implemented. This integration not only improves the accuracy and efficiency of information processing, but also strengthens the interaction between users and the system, thereby improving the overall user experience.

[0102] In this implementation, by receiving a loan extension application request, it is possible to ensure that the user's needs are recorded and processed in a timely manner, laying the foundation for subsequent steps. By obtaining key data such as the application date, extension period, repayment period and loan due date, it is possible to ensure that the system has comprehensive information when processing the loan extension, providing a real basis for subsequent calculations. The generated monthly payment bill freeze bitmap allows the user to clearly view the relevant bill status after applying for an extension, which helps the user understand and control the financial situation. The deferred repayment bitmap generated based on the repayment period data and the loan due date data can achieve flexible adjustment of the loan term, allowing customers to better plan their repayments.

[0103] In this embodiment, by processing the loan deferred repayment information, the system can automatically generate the initial monthly payment bill and the deferred repayment bill, reducing manual intervention and improving efficiency. The preset monthly payment calculation logic is used to ensure the accuracy of the bill calculation, avoiding errors caused by manual calculation. All generated bill data are consistent, enhancing reliability. The clear deferred repayment amortization amount allows customers to clearly understand the monthly repayment amount, which helps customers make more reasonable financial plans. As a result, an efficient and accurate loan deferred repayment bill generation process is achieved. This process not only improves operational efficiency, but also improves user experience, and effectively solves a number of technical problems such as calculation accuracy, information update, complexity management, time efficiency and communication costs. The deferred monthly payment bill allocates the frozen monthly payment bill to the deferred repayment period, achieving a smooth transition of loan deferred repayment, and achieving the effect of unchanged overall interest for customers, unchanged monthly payment plan, and smooth repayment pressure.

[0104] For example, in order to help understand the implementation process of the method for generating a monthly payment bill obtained by combining the first embodiment and the second embodiment, please refer to Figure 3 , Figure 4 , Figure 5 and Figure 6 , Figure 3 A brief flowchart of a method for generating a monthly bill is provided. Figure 4 This is a schematic diagram of the data structure of the monthly payment bill freezing bitmap and the loan deferred repayment bitmap provided in Example 2 of the present application. Figure 5 This is a schematic diagram of a brief process for generating a monthly payment bill provided in Example 2 of this application. Figure 6 This is a brief flow diagram of processing monthly payment bills provided in Example 2 of the present application. In this embodiment, when a customer applies for an extended repayment service, a loan extension repayment bitmap is marked, and the extended repayment period is registered. When the system generates a loan monthly payment bill, a monthly payment bill freezing bitmap is marked for the loan within the extension period. The system does not freeze monthly payment bills in batch repayments or overdue transfers. Specifically:

[0105] The repayment stage is divided into the following four stages: customer application, suspension period, deferred repayment period, and normal repayment period.

[0106] A loan extension repayment bitmap is generated based on the information in the loan information control bitmap; and a monthly payment bill freeze bitmap is generated based on the information in the bill information control bitmap.

[0107] (1) Customer application:

[0108] Due to special circumstances, customers apply for loan deferred repayment through post-loan services. The system provides online functional services to mark the loan deferred repayment bitmap. The system registers information such as the extension period and repayment period on the loan.

[0109] (2)Suspension of repayment period:

[0110] After the customer successfully applies for the deferred return service, the repayment suspension period will begin. The period of this stage is equal to the application date plus the extension period.

[0111] During this stage, the loan continues to generate monthly payment bills according to the original monthly payment calculation logic, but the monthly payment bill freeze bitmap will be marked at the same time as the generated monthly payment bill.

[0112] Freeze the monthly payment bill and do not participate in batch repayments, transfer of overdue payments and other bank backend batch operations, so that customers do not need to repay and will not cause loan overdue.

[0113] (3) Extended return period:

[0114] After the suspension period ends, the loan enters the deferred repayment period, which is equal to the repayment period and cannot exceed the loan maturity date.

[0115] During this phase, the monthly payment bill will continue to be generated according to the original monthly payment calculation logic, but the generated monthly payment bill will no longer be marked with the frozen bitmap. The frozen bitmap of the monthly payment bill generated during the suspension period will continue to be effective.

[0116] By controlling only frozen monthly payment bills from participating in batch repayments, transfer to overdue and other bank backend batch operations, the monthly payment bills generated during the deferred repayment period can be automatically repaid and transferred to overdue. The frozen monthly payment bills generated during the suspended repayment period are amortized to each month of the repayment period according to the repayment period. Customers only need to repay the amortized amount according to the plan every month through the independently provided repayment function. Then, the monthly payment bills generated according to the original monthly payment calculation logic and the amortized amount generated by amortizing the frozen monthly payment bills to the repayment period are aggregated to obtain the deferred monthly payment bill. In this way, customers have more repayment space and can alleviate repayment pressure to the greatest extent.

[0117] (4) Normal repayment period:

[0118] When the loan deferred repayment period ends, the deferred repayment termination process must be carried out, the loan deferred repayment bitmap will be invalidated, all valid monthly payment bill freeze bitmaps under the loan will be invalidated, and the normal repayment period will begin.

[0119] At this stage, the monthly payment bills continue to be generated according to the original monthly payment calculation logic. At this time, the loan is equivalent to the effect of not participating in the deferred repayment. All monthly payment bills are normally involved in background batch operations and online operations such as batch repayments and transfers of overdue payments.

[0120] In this embodiment, when a customer applies for a deferred repayment service, the loan deferred repayment bitmap is marked, the deferred repayment period is registered, and when the system generates a loan monthly payment bill, the loan within the deferred period is marked with a monthly payment bill freeze bitmap, and the effect of controlling the processing of partial bill deferred repayment is distinguished according to the monthly payment bill. The customer can independently choose to amortize these marked frozen bills to the subsequent N months according to the plan. The effect of the customer's overall interest remains unchanged, the monthly payment plan remains unchanged, and the repayment pressure is smooth. Different from the industry's function processing of loans only based on the loan dimension, this method can achieve independent processing of each function of each monthly payment bill under the same loan on the system. By marking the loan deferred repayment bitmap when the customer applies for a deferred repayment service, the deferred repayment period is registered, and the loan within the deferred period is marked with a monthly payment bill freeze bitmap when the loan monthly payment bill is generated, and the frozen monthly payment bill is not included in batch repayment and transfer overdue. This method is simple to implement, low cost, and can better achieve the effect of business deferred repayment.

[0121] This application also provides a monthly bill generation device, please refer to Figure 7 , the monthly bill generating device comprises:

[0122] The request receiving module 10 is used to receive a request for generating a deferred monthly payment bill when the preset repayment period is a deferred repayment period;

[0123] The bill generation module 20 is used to generate a deferred monthly payment bill based on a pre-generated loan deferred repayment bitmap, according to the deferred monthly payment bill generation request and the pre-generated frozen monthly payment bill, wherein the frozen monthly payment bill is generated based on the pre-generated monthly payment bill freezing bitmap when the repayment stage is a suspended repayment period;

[0124] The result generating module 30 is used to generate a monthly payment bill generation result according to the deferred monthly payment bill.

[0125] Optionally, the bill generating module 20 is further configured to:

[0126] Based on the loan deferred repayment bitmap and the preset monthly payment calculation logic, according to the deferred monthly payment bill generation request and the frozen monthly payment bill, a first initial monthly payment bill and a deferred repayment amortization amount are obtained;

[0127] Based on the request for generating the deferred monthly payment bill, the deferred monthly payment bill is generated according to the deferred repayment amortization amount and the first initial monthly payment bill.

[0128] Optionally, the step of obtaining the first initial monthly payment bill and the deferred repayment amortization amount based on the loan deferred repayment bitmap and the preset monthly payment calculation logic, according to the deferred monthly payment bill generation request and the frozen monthly payment bill comprises:

[0129] Based on the monthly payment calculation logic, the first initial monthly payment bill is calculated and generated according to the first initial loan data in the request for generating the deferred monthly payment bill;

[0130] According to the loan deferred repayment bitmap, obtaining deferred repayment period data;

[0131] Based on the deferred repayment period data and according to the frozen monthly payment bill, the deferred repayment amortization amount is generated.

[0132] Optionally, before the step of generating the deferred monthly payment bill based on the pre-generated loan deferred repayment bitmap and according to the deferred monthly payment bill generation request and the pre-generated frozen monthly payment bill, the step further includes:

[0133] When the repayment stage is a repayment suspension period, receiving a request to freeze the generation of a monthly payment bill;

[0134] Based on the monthly payment bill freezing bitmap and according to the frozen monthly payment bill generation request, the frozen monthly payment bill is generated.

[0135] Optionally, the step of generating the frozen monthly payment bill based on the monthly payment bill freezing bitmap and according to the frozen monthly payment bill generation request includes:

[0136] Based on the preset monthly payment calculation logic, the second initial monthly payment bill is calculated and generated according to the second initial loan data in the frozen monthly payment bill generation request;

[0137] Based on the frozen monthly payment bill generation request and the monthly payment bill freezing bitmap, the second initial monthly payment bill is marked with a suspended repayment mark to generate the frozen monthly payment bill.

[0138] Optionally, before the step of generating the deferred monthly payment bill based on the pre-generated loan deferred repayment bitmap and according to the deferred monthly payment bill generation request and the pre-generated frozen monthly payment bill, the step further includes:

[0139] Receive loan extension application requests;

[0140] According to the loan extension application request, obtaining application date data, extension period data, repayment period data and loan due date data;

[0141] Generate the monthly payment bill freezing bitmap according to the application date data and the extension period data;

[0142] The loan deferred repayment bitmap is generated according to the repayment period data and the loan due date data.

[0143] The monthly payment bill generation device provided by the present application adopts the monthly payment bill generation method in the above embodiment, which can solve the technical problems of the existing loan extension repayment method, such as the sudden increase in customer repayment pressure after the extension period, the adverse effect of the overall increase in customer repayment interest due to the customer enjoying the extension repayment, or the increase in the monthly payment of the customer's delayed loan repayment. Compared with the prior art, the beneficial effects of the monthly payment bill generation device provided by the present application are the same as the beneficial effects of the monthly payment bill generation method provided by the above embodiment, and the other technical features in the monthly payment bill generation device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0144] The present application provides a monthly bill generation device, which includes: at least one processor; and a memory that is communicatively connected to the at least one processor; wherein the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the monthly bill generation method in the above-mentioned embodiment 1.

[0145] Reference below Figure 8 , which shows a schematic diagram of the structure of a monthly bill generation device suitable for implementing the embodiment of the present application. The monthly bill generation device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 8 The monthly bill generation device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0146] like Figure 8As shown, the monthly bill generation device may include a processing device 1001 (e.g., a central processing unit, a graphics processor, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. In RAM1004, various programs and data required for the operation of the monthly bill generation device are also stored. The processing device 1001, ROM1002, and RAM1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the monthly bill generation device to communicate with other devices wirelessly or by wire to exchange data. Although the figure shows a monthly bill generation device with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or provided instead.

[0147] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0148] The monthly payment bill generation device provided by the present application adopts the monthly payment bill generation method in the above embodiment, which can solve the technical problems of the existing loan extension repayment method, such as the sudden increase in customer repayment pressure after the extension period, the adverse effect of the overall increase in customer repayment interest due to the customer enjoying the extension repayment, or the increase in the monthly payment of the customer's extended loan repayment. Compared with the prior art, the beneficial effects of the monthly payment bill generation device provided by the present application are the same as the beneficial effects of the monthly payment bill generation method provided by the above embodiment, and the other technical features in the monthly payment bill generation device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0149] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0150] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0151] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, and the computer-readable program instructions are used to execute the monthly payment bill generation method in the above-mentioned embodiment.

[0152] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0153] The computer-readable storage medium may be included in the monthly bill generation device; or may exist independently without being assembled into the monthly bill generation device.

[0154] The computer-readable storage medium carries one or more programs. When the one or more programs are executed by the monthly bill generating device, the monthly bill generating device:

[0155] When the preset repayment period is the deferred repayment period, a request for generating a deferred monthly payment bill is received;

[0156] Based on a pre-generated loan deferred repayment bitmap, generating a deferred monthly payment bill according to the deferred monthly payment bill generation request and the pre-generated frozen monthly payment bill, wherein the frozen monthly payment bill is generated based on the pre-generated monthly payment bill freezing bitmap when the repayment stage is a suspended repayment period;

[0157] A monthly payment bill generation result is generated based on the deferred monthly payment bill.

[0158] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0159] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various 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 the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram and / or flowchart, and the combination of boxes in the block diagram and / or flowchart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0160] The modules involved in the embodiments of the present application may be implemented by software or hardware, wherein the name of the module does not limit the unit itself in some cases.

[0161] The readable storage medium provided by the present application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned method for generating monthly payment bills, and can solve the technical problems of the existing loan extension repayment method, such as the sudden increase in customer repayment pressure after the extension period, the adverse effect of the overall increase in repayment interest due to the customer's enjoyment of the extension repayment, or the increase in the monthly payment of the customer's loan extension repayment. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided by the present application are the same as the beneficial effects of the method for generating monthly payment bills provided by the above-mentioned embodiment, and will not be repeated here.

[0162] The present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned method for generating a monthly payment bill when executed by a processor.

[0163] The computer program product provided by this application can solve the technical problems of the existing loan deferred repayment methods, such as the sudden increase in customer repayment pressure after the deferred repayment period, the adverse effect of the overall increase in repayment interest due to the deferred repayment, or the increase in the monthly payment of the customer's deferred loan repayment. Compared with the prior art, the beneficial effects of the computer program product provided by this application are the same as the beneficial effects of the monthly payment bill generation method provided in the above embodiment, which will not be repeated here.

[0164] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A method for generating a monthly payment bill, characterized in that: The method comprises: When the preset repayment period is the deferred repayment period, a request for generating a deferred monthly payment bill is received; Based on a pre-generated loan deferred repayment bitmap, generating a deferred monthly payment bill according to the deferred monthly payment bill generation request and the pre-generated frozen monthly payment bill, wherein the frozen monthly payment bill is generated based on the pre-generated monthly payment bill freezing bitmap when the repayment stage is a suspended repayment period; A monthly payment bill generation result is generated based on the deferred monthly payment bill.

2. The method according to claim 1, characterized in that The step of generating a deferred monthly payment bill based on the pre-generated loan deferred repayment bitmap and according to the deferred monthly payment bill generation request and the pre-generated frozen monthly payment bill comprises: Based on the loan deferred repayment bitmap and the preset monthly payment calculation logic, according to the deferred monthly payment bill generation request and the frozen monthly payment bill, a first initial monthly payment bill and a deferred repayment amortization amount are obtained; Based on the request for generating the deferred monthly payment bill, the deferred monthly payment bill is generated according to the deferred repayment amortization amount and the first initial monthly payment bill.

3. The method according to claim 2, characterized in that The step of obtaining the first initial monthly payment bill and the deferred repayment amortization amount based on the loan deferred repayment bitmap and the preset monthly payment calculation logic, according to the deferred monthly payment bill generation request and the frozen monthly payment bill comprises: Based on the monthly payment calculation logic, the first initial monthly payment bill is calculated and generated according to the first initial loan data in the request for generating the deferred monthly payment bill; According to the loan deferred repayment bitmap, obtaining deferred repayment period data; Based on the deferred repayment period data and according to the frozen monthly payment bill, the deferred repayment amortization amount is generated.

4. The method according to claim 1, characterized in that Before the step of generating the deferred monthly payment bill based on the pre-generated loan deferred repayment bitmap and according to the deferred monthly payment bill generation request and the pre-generated frozen monthly payment bill, the step further includes: When the repayment stage is a repayment suspension period, receiving a request to freeze the generation of a monthly payment bill; Based on the monthly payment bill freezing bitmap and according to the frozen monthly payment bill generation request, the frozen monthly payment bill is generated.

5. The method according to claim 4, characterized in that The step of generating the frozen monthly payment bill based on the monthly payment bill freezing bitmap and according to the frozen monthly payment bill generation request comprises: Based on the preset monthly payment calculation logic, the second initial monthly payment bill is calculated and generated according to the second initial loan data in the frozen monthly payment bill generation request; Based on the frozen monthly payment bill generation request and the monthly payment bill freezing bitmap, the second initial monthly payment bill is marked with a suspended repayment mark to generate the frozen monthly payment bill.

6. The method according to claim 1, characterized in that Before the step of generating the deferred monthly payment bill based on the pre-generated loan deferred repayment bitmap and according to the deferred monthly payment bill generation request and the pre-generated frozen monthly payment bill, the step further includes: Receive loan extension application requests; According to the loan extension application request, obtaining application date data, extension period data, repayment period data and loan due date data; Generate the monthly payment bill freezing bitmap according to the application date data and the extension period data; The loan deferred repayment bitmap is generated according to the repayment period data and the loan due date data.

7. A monthly bill generation device, characterized in that: The device comprises: A request receiving module, used for receiving a request for generating a deferred monthly payment bill when the preset repayment stage is a deferred repayment period; A bill generation module, for generating a deferred monthly payment bill based on a pre-generated loan deferred repayment bitmap, according to the deferred monthly payment bill generation request and a pre-generated frozen monthly payment bill, wherein the frozen monthly payment bill is generated based on the pre-generated monthly payment bill frozen bitmap when the repayment stage is a suspended repayment period; A result generation module is used to generate a monthly payment bill generation result according to the deferred monthly payment bill.

8. A monthly bill generation device, characterized in that: The device comprises: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the method for generating a monthly payment bill according to any one of claims 1 to 6.

9. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the method for generating a monthly payment bill as described in any one of claims 1 to 6 are implemented.

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the method for generating a monthly payment bill according to any one of claims 1 to 6 are implemented.

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