Indication processing method and device, electronic equipment and medium

Abstract

The invention relates to the technical field of data processing, in particular to a rest processing method and device, electronic equipment and a medium, and the method comprises the steps: determining a rest amount for any first object corresponding to a rest party based on the loan amount and the rest mode of the first object in a rest settlement period; wherein the first object is an object to which the information disposer disposes information in the information settlement period; and based on the amount of money of any money deduction account of the information deduction party and the information deduction amount of each first object corresponding to the money deduction account, performing information deduction processing. According to the scheme, in the interest settlement period, for the loan amount and the interest settlement mode of all the objects of the interest settlement party, the interest settlement amount is accurately determined; and then, based on the amount of the money deduction account of the information deduction party and the information deduction amount of the object corresponding to the money deduction account, information deduction processing is carried out in time and efficiently, so that information deduction concentrated money return in an information settlement period is realized, and influence on credit investigation of a borrower due to information deduction overdue is reduced.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and specifically to a method, device, electronic device and medium for interest subsidy processing. Background Art

[0002] Subsidized loans refer to special bank loans used for designated purposes and with interest expenses subsidized by the state or banks. Subsidized loans are preferential loans that usually partially subsidize the loan interest.

[0003] The existing business system only supports borrowers to bear interest, and cannot meet the needs of handling interest subsidy business in the interest subsidy scenario. The interest subsidy business can only be handled by relevant personnel, which is inefficient. Summary of the invention

[0004] The embodiments of the present application provide a method, device, electronic device and medium for interest subsidy processing, which are used to efficiently perform interest subsidy processing.

[0005] In a first aspect, the present application provides a method for interest subsidy processing, the method comprising:

[0006] During the interest settlement period, for any first object corresponding to the interest subsidy party, the interest subsidy amount is determined based on the loan amount and interest subsidy method of the first object; wherein the first object is the object to which the interest subsidy party subsidizes the interest during the interest settlement period;

[0007] The interest subsidy processing is performed based on the amount of any deduction account of the interest subsidy party and the interest subsidy amount of each first object corresponding to the deduction account.

[0008] The above scheme accurately determines the interest subsidy amount by taking into account the loan amount and interest subsidy method of all objects of the interest subsidy party during the interest settlement period; and then promptly and efficiently processes the interest subsidy based on the amount of the interest subsidy party's deduction account and the interest subsidy amount of the object corresponding to the deduction account, thereby achieving concentrated repayment of the interest subsidy during the interest settlement period, reducing overdue interest subsidies and affecting the borrower's credit.

[0009] In some optional implementations, the interest subsidy processing is performed based on the amount of any deduction account of the interest subsidy party and the interest subsidy amount of each first object corresponding to the deduction account, including:

[0010] For any first object corresponding to the deduction account, if the amount in the deduction account is greater than or equal to the interest subsidy amount of the first object, the interest subsidy amount is deducted from the amount in the deduction account to obtain the amount in a new deduction account.

[0011] In some optional implementations, the interest subsidy processing is performed based on the amount of any deduction account of the interest subsidy party and the interest subsidy amount of each first object corresponding to the deduction account, including:

[0012] For any first object corresponding to the deduction account, if the amount of the deduction account is less than the interest subsidy amount of the first object, determining whether the interest subsidy party has other deduction accounts;

[0013] If there is no other deduction account or the amount in other deduction accounts is also less than the interest subsidy amount of the first object, the interest subsidy party is subject to internal account suspension; or,

[0014] If there are other deduction accounts and the amount in the other deduction accounts is greater than the interest subsidy amount of the first object, the interest subsidy amount of the first object is deducted from the amount in the other deduction accounts to obtain the amount in the new other deduction accounts.

[0015] In some optional implementation manners, before deducting the interest subsidy amount of the first object from the amount in the other deduction account, the method further includes:

[0016] Sending a first notification message to the interest subsidy party; wherein the first notification message includes the identification information of the deduction account, the identification information of the other deduction accounts, and the amount of the other deduction accounts;

[0017] The interest subsidy amount of the first object is deducted from the amount in the other deduction account, including:

[0018] In response to the response information for the first notification information, if the response information is verified and it is determined that the response information indicates consent to deduction, the interest subsidy amount of the first object is deducted from the amount of the other deduction account.

[0019] In some optional implementation manners, before the interest settlement period, the method further includes:

[0020] At the target time, determining a predicted interest subsidy amount based on the interest subsidy amounts of all second objects corresponding to any deduction account of the interest subsidy party; wherein the second object is an object to be subsidized from the deduction account at the target time;

[0021] If the difference between the amount in the deduction account and the predicted interest subsidy amount is less than the preset difference, notification is made through the preset notification method.

[0022] Some optional implementations also include:

[0023] In response to the interest subsidy adjustment instruction, determining a new interest subsidy amount corresponding to the target object based on the new interest subsidy method corresponding to the interest subsidy adjustment instruction and the loan amount of the target object;

[0024] Among them, the target object is the first object corresponding to the interest subsidy adjustment instruction.

[0025] In a second aspect, the present application provides a device for processing interest subsidies, the device comprising:

[0026] An amount determination module is used to determine the interest subsidy amount for any first object corresponding to the interest subsidy party during the interest settlement period based on the loan amount and interest subsidy method of the first object; wherein the first object is the object of interest subsidy provided by the interest subsidy party during the interest settlement period;

[0027] The interest subsidy module is used to perform interest subsidy processing based on the amount of any deduction account of the interest subsidy party and the interest subsidy amount of each first object corresponding to the deduction account.

[0028] In some optional implementation manners, the interest subsidy module is specifically used to:

[0029] For any first object corresponding to the deduction account, if the amount in the deduction account is greater than or equal to the interest subsidy amount of the first object, the interest subsidy amount is deducted from the amount in the deduction account to obtain the amount in a new deduction account.

[0030] In some optional implementation manners, the interest subsidy module is specifically used to:

[0031] For any first object corresponding to the deduction account, if the amount of the deduction account is less than the interest subsidy amount of the first object, determining whether the interest subsidy party has other deduction accounts;

[0032] If there is no other deduction account or the amount in other deduction accounts is also less than the interest subsidy amount of the first object, the interest subsidy party is subject to internal account suspension; or,

[0033] If there are other deduction accounts and the amount in the other deduction accounts is greater than the interest subsidy amount of the first object, the interest subsidy amount of the first object is deducted from the amount in the other deduction accounts to obtain the amount in the new other deduction accounts.

[0034] In some optional implementation manners, before deducting the interest subsidy amount of the first object from the amount of the other deduction account, the interest subsidy module is further configured to:

[0035] Sending a first notification message to the interest subsidy party; wherein the first notification message includes the identification information of the deduction account, the identification information of the other deduction accounts, and the amount of the other deduction accounts;

[0036] The interest subsidy module is specifically used for:

[0037] In response to the response information for the first notification information, if the response information is verified and it is determined that the response information indicates consent to deduction, the interest subsidy amount of the first object is deducted from the amount of the other deduction account.

[0038] Some optional implementations further include a prediction module, which is used before the interest settlement period to:

[0039] At the target time, determining a predicted interest subsidy amount based on the interest subsidy amounts of all second objects corresponding to any deduction account of the interest subsidy party; wherein the second object is an object to be subsidized from the deduction account at the target time;

[0040] If the difference between the amount in the deduction account and the predicted interest subsidy amount is less than the preset difference, notification is made through the preset notification method.

[0041] Some optional implementations further include an adjustment module for:

[0042] In response to the interest subsidy adjustment instruction, determining a new interest subsidy amount corresponding to the target object based on the new interest subsidy method corresponding to the interest subsidy adjustment instruction and the loan amount of the target object;

[0043] Among them, the target object is the first object corresponding to the interest subsidy adjustment instruction.

[0044] In a third aspect, the present application provides an electronic device, including:

[0045] A memory for storing program instructions;

[0046] The processor is used to call the program instructions stored in the memory, and execute the steps included in any one of the methods in the first aspect according to the obtained program instructions.

[0047] In a fourth aspect, the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a computer, the computer executes any one of the methods described in the first aspect.

[0048] In a fifth aspect, the present application provides a computer program product, comprising: a computer program code, when the computer program code is run on a computer, the computer executes any one of the methods described in the first aspect. BRIEF DESCRIPTION OF THE DRAWINGS

[0049] Figure 1 A flowchart of the first interest subsidy processing method provided in the embodiment of the present application;

[0050] Figure 2 A flow chart of a second interest subsidy processing method provided in an embodiment of the present application;

[0051] Figure 3 A flowchart of a third interest subsidy processing method provided in an embodiment of the present application;

[0052] Figure 4 A flowchart of the fourth interest subsidy processing method provided in the embodiment of the present application;

[0053] Figure 5 A structural diagram of an interest subsidy processing device provided in an embodiment of the present application;

[0054] Figure 6 A structural diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0055] In order to make the purpose, technical scheme and advantages of the present application clearer, the technical scheme in the embodiment of the present application will be clearly and completely described below in conjunction with the drawings in the embodiment of the present application. Obviously, the described embodiment is only a part of the embodiment of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in the field without making creative work are within the scope of protection of the present application. In the absence of conflict, the embodiments in the present application and the features in the embodiments can be arbitrarily combined with each other. In addition, although the logical order is shown in the flow chart, in some cases, the steps shown or described can be performed in an order different from that here.

[0056] The terms "first" and "second" in the specification and claims of the present application and the above-mentioned drawings are used to distinguish different objects, rather than to describe a specific order. In addition, the term "comprising" and any of their variations are intended to cover non-exclusive protection. For example, a process, method, system, product or device comprising a series of steps or units is not limited to the listed steps or units, but optionally also includes steps or units that are not listed, or optionally also includes other steps or units inherent to these processes, methods, products or devices. "Multiple" in the present application can mean at least two, for example, two, three or more, and the embodiments of the present application are not limited.

[0057] The following is a description of exemplary embodiments of the present application in conjunction with the accompanying drawings, including various details of the embodiments of the present application to facilitate understanding, which should be considered as merely exemplary. Therefore, those of ordinary skill in the art should recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope of the present application. Similarly, for the sake of clarity and conciseness, the description of well-known functions and structures is omitted in the following description. It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, which should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0058] In the technical solution of this application, the acquisition, transmission, storage, and use of data are in compliance with the requirements of relevant national laws and regulations.

[0059] Before introducing the interest subsidy processing method provided in the embodiment of the present application, in order to facilitate understanding, the technical background of the embodiment of the present application is first introduced in detail.

[0060] Subsidized loans refer to special bank loans used for designated purposes and with interest expenses subsidized by the state or banks. Subsidized loans are preferential loans that usually partially subsidize the loan interest.

[0061] The existing business system only supports borrowers to bear interest, and cannot meet the needs of handling interest subsidy business in the interest subsidy scenario. The interest subsidy business can only be handled by relevant personnel, which is inefficient.

[0062] In view of this, the embodiments of the present application propose a method, device, electronic device and medium for interest subsidy processing, which are used for efficient interest subsidy processing.

[0063] Figure 1 A flowchart of a method for handling interest subsidies provided in an embodiment of the present application is shown in FIG. Figure 1 As shown, the following steps are included:

[0064] Step S101: During the interest settlement period, for any first object corresponding to the interest subsidy party, determine the interest subsidy amount based on the loan amount and interest subsidy method of the first object.

[0065] The first object is the object to which the interest subsidy is provided by the interest subsidy party during the interest settlement period.

[0066] During implementation, interest subsidies are provided to multiple first recipients during the interest settlement period. The loan contents of different first recipients may be different, and the loan amount and interest subsidy method will affect the determination of the interest subsidy amount;

[0067] Based on this, during the interest settlement period, the interest subsidy amount needs to be determined based on the loan amount and interest subsidy method of each first object.

[0068] This embodiment does not specifically limit the acquisition of the loan amount and interest subsidy method of the first object. For example, based on the customer contract, the interest subsidy information corresponding to each customer is collected; the interest subsidy information includes whether there is an interest subsidy, the interest subsidy method (fixed rate interest subsidy, proportional interest subsidy, etc.), the interest subsidy range (the interest subsidy operation is executed within the interest subsidy time range, and the interest subsidy is stopped outside the interest subsidy range), the interest subsidy party identifier, the deduction account and other information.

[0069] Based on the collected interest subsidy information, customers whose interest payment period is in the corresponding interest subsidy range are taken as the first targets.

[0070] For example, the interest subsidy amount is calculated based on the amount of loans that have not yet matured and the amount of loans that have matured.

[0071] Step S102: performing interest subsidy processing based on the amount of any deduction account of the interest subsidy party and the interest subsidy amounts of each first object corresponding to the deduction account.

[0072] During implementation, one or more deduction accounts may be set up for the interest subsidy party, each deduction account corresponding to a different first object, and for each account, the interest subsidy is deducted for the corresponding first object from its balance (the amount in the deduction account).

[0073] The above scheme accurately determines the interest subsidy amount by taking into account the loan amount and interest subsidy method of all objects of the interest subsidy party during the interest settlement period; and then promptly and efficiently processes the interest subsidy based on the amount of the interest subsidy party's deduction account and the interest subsidy amount of the object corresponding to the deduction account, thereby achieving concentrated repayment of the interest subsidy during the interest settlement period, reducing overdue interest subsidies and affecting the borrower's credit.

[0074] Figure 2 A flow chart of the second interest subsidy processing method provided in the embodiment of the present application is as follows: Figure 2 As shown, the following steps are included:

[0075] Step S201: During the interest settlement period, for any first object corresponding to the interest subsidy party, determine the interest subsidy amount based on the loan amount and interest subsidy method of the first object.

[0076] The first object is the object to which the interest subsidy is provided by the interest subsidy party during the interest settlement period.

[0077] The specific implementation of step S201 can refer to the above embodiment and will not be described again here.

[0078] Step S202: For any first object corresponding to the deduction account, if the amount of the deduction account is greater than or equal to the interest subsidy amount of the first object, the interest subsidy amount is deducted from the amount of the deduction account to obtain the amount of a new deduction account.

[0079] During implementation, if the amount in the deduction account is greater than or equal to the interest subsidy amount of a first object, the interest subsidy for the first object can be completed by directly deducting the amount from the deduction account; based on this, the interest subsidy amount of the first object is deducted from the amount in the deduction account to obtain the amount in the new deduction account, and the interest subsidy processing for the next first object is continued.

[0080] Figure 3 A flow chart of the third interest subsidy processing method provided in the embodiment of the present application is as follows: Figure 3 As shown, the following steps are included:

[0081] Step S301: During the interest settlement period, for any first object corresponding to the interest subsidy party, determine the interest subsidy amount based on the loan amount and interest subsidy method of the first object.

[0082] The first object is the object to which the interest subsidy is provided by the interest subsidy party during the interest settlement period.

[0083] The specific implementation of step S301 can refer to the above embodiment and will not be described again here.

[0084] Step S302: For any first object corresponding to the deduction account, if the amount of the deduction account is less than the interest subsidy amount of the first object, determine whether the interest subsidy party has other deduction accounts.

[0085] During implementation, if the amount in the deduction account is less than the interest subsidy amount of a first object, the balance in the deduction account is insufficient, and deducting money from the deduction account cannot complete the interest subsidy for the first object; based on this, the interest subsidy amount for the first object is not directly deducted from the amount in the deduction account, but it is determined whether the same interest subsidy party has other deduction accounts.

[0086] Step S303: If there is no other deduction account or the amount in the other deduction account is also less than the interest subsidy amount of the first object, the interest subsidy party is internally processed; or, if there is another deduction account and the amount in the other deduction account is greater than the interest subsidy amount of the first object, the interest subsidy amount of the first object is deducted from the amount in the other deduction account to obtain the amount in the new other deduction account.

[0087] During the implementation, in case the interest subsidy party has no other deduction account or the balance in other deduction accounts is insufficient, an internal account suspension service is provided. The interest subsidy party is first processed internally and then settled, which further ensures the smooth implementation of the interest subsidy.

[0088] For example, banks can implement a system of posting accounts first and then settling with the government and other interest subsidy parties. The interest subsidy party will make payment after receiving the accurate interest subsidy bill. After the amount in the deduction account is supplemented (the interest subsidy amount is received), the posting account will be automatically cancelled and the loan accounting agency's internal interest subsidy account will be credited to achieve a closed business loop.

[0089] During implementation, if the party receiving the interest subsidy has other deduction accounts with sufficient balances in these other deduction accounts, the interest subsidy amount of the first object can be deducted from the balance in these other deduction accounts, which not only ensures the smooth implementation of the interest subsidy but also reduces the amount on account.

[0090] In some optional implementation manners, before deducting the interest subsidy amount of the first object from the amount of the other deduction account in the above step S303, the following steps are further performed:

[0091] Sending a first notification message to the interest subsidy party; wherein the first notification message includes the identification information of the deduction account, the identification information of the other deduction accounts, and the amount of the other deduction accounts;

[0092] Correspondingly, the above step S303 deducts the interest subsidy amount of the first object from the amount of the other deduction account, which can be achieved by but not limited to the following methods:

[0093] In response to the response information for the first notification information, if the response information is verified and it is determined that the response information indicates consent to deduction, the interest subsidy amount of the first object is deducted from the amount of the other deduction account.

[0094] During implementation, if the interest subsidy party has other deduction accounts and the balances of other deduction accounts are sufficient, a first notification message is sent to the interest subsidy party, and the first notification message carries the information of the relevant deduction accounts. Based on the first notification message, the relevant personnel can promptly know that the above-mentioned deduction account has insufficient balance, and determine whether it is necessary to deduct money from other deduction accounts at this time. When necessary, the response information indicating consent to the deduction is triggered, and when not necessary, the response information indicating disagreement with the deduction is triggered. In addition, in order to improve security, the response information can also carry verification information (such as the identity information of the relevant personnel of the interest subsidy party, etc.).

[0095] After the electronic device receives the response information to the first notification information, if the response information is verified and it is determined that the response information indicates consent to the deduction, the interest subsidy amount will be deducted from the amount in other deduction accounts.

[0096] On the contrary, if the response information verification fails, or the response information indicates that the deduction is not agreed, the subsidy amount will not be directly deducted from the amount in other deduction accounts, and the subsidy party can be subject to internal account suspension processing.

[0097] Figure 4 A flow chart of the fourth interest subsidy processing method provided in the embodiment of the present application is as follows: Figure 4 As shown, the following steps are included:

[0098] Step S401: at the target time, a predicted interest subsidy amount is determined based on the interest subsidy amounts of all second objects corresponding to any deduction account of the interest subsidy party.

[0099] The second object is an object for which interest is subsidized from the deduction account at the target time.

[0100] The above-mentioned target time is the time before the interest payment period. This embodiment does not limit the specific implementation method of the target time, such as any time N days before the interest payment period.

[0101] During implementation, at the target time before the interest subsidy is settled, the predicted interest subsidy amount corresponding to each deduction account is determined based on the interest subsidy amounts of all second objects corresponding to each deduction account of the subsidy party. For example, the sum of the interest subsidy amounts of all second objects corresponding to the deduction account is determined as the predicted interest subsidy amount corresponding to the deduction account; or, the adjustment factor corresponding to the current settlement period is determined based on the interest subsidy range of the second object, and the sum of the interest subsidy amounts of all second objects corresponding to the deduction account is adjusted based on the adjustment factor to obtain the predicted interest subsidy amount corresponding to the deduction account.

[0102] The above-mentioned predicted interest subsidy amount reflects the interest subsidy demand of the deduction account before interest payment. However, since the target time is before the interest payment period, there may be new interest subsidy objects between the target time and the start time of the interest payment period. Therefore, there may be a difference between the predicted interest subsidy amount and the total interest subsidy amount corresponding to the deduction account during the interest payment period.

[0103] Step S402: If the difference between the amount in the deduction account and the predicted interest subsidy amount is less than a preset difference, notification is made through a preset notification method.

[0104] During implementation, the difference between the amount in the deduction account and the above-mentioned predicted interest subsidy amount is determined. The difference represents the degree of shortage of the deduction account. The smaller the difference, the greater the shortage. If the difference is less than the preset difference, it means that insufficient deductions may occur in the subsequent interest settlement. The preset notification method is used to notify the interest subsidy party so that the party receiving the interest subsidy can be informed in time of the possible insufficient balance before the interest is settled, so as to replenish the amount in the deduction account in time.

[0105] Step S403: During the interest settlement period, for any first object corresponding to the interest subsidy party, determine the interest subsidy amount based on the loan amount and interest subsidy method of the first object.

[0106] The first object is the object to which the interest subsidy is provided by the interest subsidy party during the interest settlement period.

[0107] Step S404: performing interest subsidy processing based on the amount of any deduction account of the interest subsidy party and the interest subsidy amount of each first object corresponding to the deduction account.

[0108] The specific implementation of steps S403 to S404 can refer to the above embodiment and will not be described in detail here.

[0109] In some optional implementation manners, based on any of the above embodiments, the following steps are further performed:

[0110] In response to the interest subsidy adjustment instruction, determining a new interest subsidy amount corresponding to the target object based on the new interest subsidy method corresponding to the interest subsidy adjustment instruction and the loan amount of the target object;

[0111] Among them, the target object is the first object corresponding to the interest subsidy adjustment instruction.

[0112] In implementation, after receiving the interest subsidy adjustment instruction, the first object (target object) corresponding to the interest subsidy adjustment instruction and the new interest subsidy method are determined, and the new interest subsidy amount of the object is determined based on the loan amount of the object and the new interest subsidy method. The interest subsidy is then provided based on the new interest subsidy amount.

[0113] For example, if the interest subsidy adjustment instruction is received during the interest settlement period, it is necessary to determine whether the interest subsidy has been provided to the target object. If the interest subsidy has not been provided, the interest subsidy is provided directly based on the new interest subsidy amount;

[0114] If the interest subsidy has been applied and the interest subsidy amount is deducted from the amount in the deduction account, it is necessary to continue to deduct the amount from the above-mentioned deduction account based on the difference between the new interest subsidy amount and the original interest subsidy amount. If the deduction is insufficient, it will be posted internally (the new interest subsidy amount is greater than the original interest subsidy amount); or, it will be returned to the above-mentioned deduction account based on the difference between the original interest subsidy amount and the new interest subsidy amount (the new interest subsidy amount is less than the original interest subsidy amount);

[0115] If the internal account is on hold, it is necessary to continue to hold the account based on the difference between the new interest subsidy amount and the original interest subsidy amount (the new interest subsidy amount is greater than the original interest subsidy amount); or, cancel the account based on the difference between the original interest subsidy amount and the new interest subsidy amount (the new interest subsidy amount is less than the original interest subsidy amount).

[0116] Based on the same inventive concept, the present application embodiment provides a discount interest processing device 500, please refer to Figure 5 , the device comprises:

[0117] The amount determination module 501 is used to determine the interest subsidy amount for any first object corresponding to the interest subsidy party during the interest settlement period based on the loan amount and interest subsidy method of the first object; wherein the first object is the object of interest subsidy provided by the interest subsidy party during the interest settlement period;

[0118] The interest subsidy module 502 is used to perform interest subsidy processing based on the amount of any deduction account of the interest subsidy party and the interest subsidy amount of each first object corresponding to the deduction account.

[0119] In some optional implementations, the interest subsidy module 502 is specifically used to:

[0120] For any first object corresponding to the deduction account, if the amount in the deduction account is greater than or equal to the interest subsidy amount of the first object, the interest subsidy amount is deducted from the amount in the deduction account to obtain the amount in a new deduction account.

[0121] In some optional implementations, the interest subsidy module 502 is specifically used to:

[0122] For any first object corresponding to the deduction account, if the amount of the deduction account is less than the interest subsidy amount of the first object, determining whether the interest subsidy party has other deduction accounts;

[0123] If there is no other deduction account or the amount in other deduction accounts is also less than the interest subsidy amount of the first object, the interest subsidy party is subject to internal account suspension; or,

[0124] If there are other deduction accounts and the amount in the other deduction accounts is greater than the interest subsidy amount of the first object, the interest subsidy amount of the first object is deducted from the amount in the other deduction accounts to obtain the amount in the new other deduction accounts.

[0125] In some optional implementation manners, before deducting the interest subsidy amount of the first object from the amount of the other deduction account, the interest subsidy module 502 is further configured to:

[0126] Sending a first notification message to the interest subsidy party; wherein the first notification message includes the identification information of the deduction account, the identification information of the other deduction accounts, and the amount of the other deduction accounts;

[0127] The interest subsidy module 502 is specifically used for:

[0128] In response to the response information for the first notification information, if the response information is verified and it is determined that the response information indicates consent to deduction, the interest subsidy amount of the first object is deducted from the amount of the other deduction account.

[0129] Some optional implementations further include a prediction module 503, which is used before the interest settlement period to:

[0130] At the target time, determining a predicted interest subsidy amount based on the interest subsidy amounts of all second objects corresponding to any deduction account of the interest subsidy party; wherein the second object is an object to be subsidized from the deduction account at the target time;

[0131] If the difference between the amount in the deduction account and the predicted interest subsidy amount is less than the preset difference, notification is made through the preset notification method.

[0132] Some optional implementations further include an adjustment module 504, which is used to:

[0133] In response to the interest subsidy adjustment instruction, determining a new interest subsidy amount corresponding to the target object based on the new interest subsidy method corresponding to the interest subsidy adjustment instruction and the loan amount of the target object;

[0134] Among them, the target object is the first object corresponding to the interest subsidy adjustment instruction.

[0135] Since the device is the device in the method in the embodiment of the present application, and the principle of solving the problem by the device is similar to that of the method, the implementation of the device can refer to the implementation of the method, and the repeated parts will not be repeated.

[0136] Based on the same inventive concept, an embodiment of the present application provides an electronic device 600, such as Figure 6 As shown, it includes at least one processor 601 and a memory 602 connected to the at least one processor. The specific connection medium between the processor 601 and the memory 602 is not limited in the embodiment of the present application. Figure 6 For example, the processor 601 and the memory 602 are connected via a bus 603. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 6 Only one thick line is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0137] Among them, the processor 601 is the control center of the electronic device, which can use various interfaces and lines to connect various parts of the electronic device, and realize data processing by running or executing instructions stored in the memory 602 and calling data stored in the memory 602. Optionally, the processor 601 may include one or more processing units, and the processor 601 may integrate an application processor and a modem processor, wherein the application processor mainly processes the operating system, user interface, and application programs, etc., and the modem processor mainly processes the issuance of instructions. It is understandable that the above-mentioned modem processor may not be integrated into the processor 601. In some embodiments, the processor 601 and the memory 602 may be implemented on the same chip, and in some embodiments, they may also be implemented separately on independent chips.

[0138] Processor 601 can be a general-purpose processor, such as a CPU, a digital signal processor, an application-specific integrated circuit (ASIC), a field programmable gate array or other programmable logic device, a discrete gate or transistor logic device, a discrete hardware component, and can implement or execute the methods, steps and logic block diagrams disclosed in the embodiments of this application. A general-purpose processor can be a microprocessor or any conventional processor. The steps of the method disclosed in the embodiment of the interest subsidy processing method can be directly embodied as a hardware processor for execution, or can be executed by a combination of hardware and software modules in the processor.

[0139] The memory 602 is a non-volatile computer-readable storage medium that can be used to store non-volatile software programs, non-volatile computer executable programs and modules. The memory 602 may include at least one type of storage medium, such as a flash memory, a hard disk, a multimedia card, a card-type memory, a random access memory (Random Access Memory, RAM), a static random access memory (Static Random Access Memory, SRAM), a programmable read-only memory (Programmable Read Only Memory, PROM), a read-only memory (Read Only Memory, ROM), an electrically erasable programmable read-only memory (Electrically Erasable Programmable Read-Only Memory, EEPROM), a magnetic memory, a disk, an optical disk, etc. The memory 602 is any other medium that can be used to carry or store a desired program code in the form of an instruction or data structure and can be accessed by a computer, but is not limited thereto. The memory 602 in the embodiment of the present application can also be a circuit or any other device that can realize a storage function, for storing program instructions and / or data.

[0140] In the embodiment of the present application, the memory 602 stores a computer program. When the program is executed by the processor 601, the processor 601 executes:

[0141] During the interest settlement period, for any first object corresponding to the interest subsidy party, the interest subsidy amount is determined based on the loan amount and interest subsidy method of the first object; wherein the first object is the object to which the interest subsidy party subsidizes the interest during the interest settlement period;

[0142] The interest subsidy processing is performed based on the amount of any deduction account of the interest subsidy party and the interest subsidy amount of each first object corresponding to the deduction account.

[0143] In some optional implementations, the processor 601 specifically performs:

[0144] For any first object corresponding to the deduction account, if the amount in the deduction account is greater than or equal to the interest subsidy amount of the first object, the interest subsidy amount is deducted from the amount in the deduction account to obtain the amount in a new deduction account.

[0145] In some optional implementations, the processor 601 specifically performs:

[0146] For any first object corresponding to the deduction account, if the amount of the deduction account is less than the interest subsidy amount of the first object, determining whether the interest subsidy party has other deduction accounts;

[0147] If there is no other deduction account or the amount in other deduction accounts is also less than the interest subsidy amount of the first object, the interest subsidy party is subject to internal account suspension; or,

[0148] If there are other deduction accounts and the amount in the other deduction accounts is greater than the interest subsidy amount of the first object, the interest subsidy amount of the first object is deducted from the amount in the other deduction accounts to obtain the amount in the new other deduction accounts.

[0149] In some optional implementation manners, before deducting the interest subsidy amount of the first object from the amount of the other deduction account, the processor 601 further executes:

[0150] Sending a first notification message to the interest subsidy party; wherein the first notification message includes the identification information of the deduction account, the identification information of the other deduction accounts, and the amount of the other deduction accounts;

[0151] The processor 601 specifically executes:

[0152] In response to the response information for the first notification information, if the response information is verified and it is determined that the response information indicates consent to deduction, the interest subsidy amount of the first object is deducted from the amount of the other deduction account.

[0153] In some optional implementation manners, before the interest settlement period, the processor 601 further executes:

[0154] At the target time, determining a predicted interest subsidy amount based on the interest subsidy amounts of all second objects corresponding to any deduction account of the interest subsidy party; wherein the second object is an object to be subsidized from the deduction account at the target time;

[0155] If the difference between the amount in the deduction account and the predicted interest subsidy amount is less than the preset difference, notification is made through the preset notification method.

[0156] In some optional implementations, the processor 601 further executes:

[0157] In response to the interest subsidy adjustment instruction, determining a new interest subsidy amount corresponding to the target object based on the new interest subsidy method corresponding to the interest subsidy adjustment instruction and the loan amount of the target object;

[0158] Among them, the target object is the first object corresponding to the interest subsidy adjustment instruction.

[0159] Based on the same inventive concept, the embodiment of the present application provides a computer-readable storage medium, and the computer program product includes: computer program code, when the computer program code is run on a computer, the computer executes any of the interest subsidy processing methods discussed above. Since the principle of solving the problem by the above-mentioned computer-readable storage medium is similar to that of the interest subsidy processing method, the implementation of the above-mentioned computer-readable storage medium can refer to the implementation of the method, and the repeated parts will not be repeated.

[0160] Based on the same inventive concept, the embodiment of the present application also provides a computer program product, which includes: computer program code, when the computer program code is run on a computer, the computer executes any of the interest subsidy processing methods discussed above. Since the principle of solving the problem by the above computer program product is similar to that of the interest subsidy processing method, the implementation of the above computer program product can refer to the implementation of the method, and the repeated parts will not be repeated.

[0161] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0162] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0163] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0164] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of user-operated steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for executing on the computer or other programmable device to implement the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0165] Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

Claims

1. A method for interest subsidy processing, characterized in that: include: During the interest settlement period, for any first object corresponding to the interest subsidy party, the interest subsidy amount is determined based on the loan amount and interest subsidy method of the first object; wherein the first object is the object to which the interest subsidy party subsidizes the interest during the interest settlement period; The interest subsidy processing is performed based on the amount of any deduction account of the interest subsidy party and the interest subsidy amount of each first object corresponding to the deduction account.

2. The method according to claim 1, characterized in that Based on the amount of any deduction account of the interest subsidy party and the interest subsidy amount of each first object corresponding to the deduction account, interest subsidy processing is performed, including: For any first object corresponding to the deduction account, if the amount in the deduction account is greater than or equal to the interest subsidy amount of the first object, the interest subsidy amount is deducted from the amount in the deduction account to obtain the amount in a new deduction account.

3. The method according to claim 1, characterized in that Based on the amount of any deduction account of the interest subsidy party and the interest subsidy amount of each first object corresponding to the deduction account, interest subsidy processing is performed, including: For any first object corresponding to the deduction account, if the amount of the deduction account is less than the interest subsidy amount of the first object, determining whether the interest subsidy party has other deduction accounts; If there is no other deduction account or the amount in other deduction accounts is also less than the interest subsidy amount of the first object, the interest subsidy party is subject to internal account suspension; or, If there are other deduction accounts and the amount in the other deduction accounts is greater than the interest subsidy amount of the first object, the interest subsidy amount of the first object is deducted from the amount in the other deduction accounts to obtain the amount in the new other deduction accounts.

4. The method according to claim 3, characterized in that Before deducting the interest subsidy amount of the first object from the amount of the other deduction account, it also includes: Sending a first notification message to the interest subsidy party; wherein the first notification message includes the identification information of the deduction account, the identification information of the other deduction accounts, and the amount of the other deduction accounts; The interest subsidy amount of the first object is deducted from the amount in the other deduction account, including: In response to the response information for the first notification information, if the response information is verified and it is determined that the response information indicates consent to deduction, the interest subsidy amount of the first object is deducted from the amount of the other deduction account.

5. The method according to claim 1, characterized in that Before the interest settlement period, it also includes: At the target time, determining a predicted interest subsidy amount based on the interest subsidy amounts of all second objects corresponding to any deduction account of the interest subsidy party; wherein the second object is an object to be subsidized from the deduction account at the target time; If the difference between the amount in the deduction account and the predicted interest subsidy amount is less than the preset difference, notification is made through the preset notification method.

6. The method according to claim 1, characterized in that Also includes: In response to the interest subsidy adjustment instruction, determining a new interest subsidy amount corresponding to the target object based on the new interest subsidy method corresponding to the interest subsidy adjustment instruction and the loan amount of the target object; Among them, the target object is the first object corresponding to the interest subsidy adjustment instruction.

7. A device for processing interest subsidies, characterized in that: include: An amount determination module is used to determine the interest subsidy amount for any first object corresponding to the interest subsidy party during the interest settlement period based on the loan amount and interest subsidy method of the first object; wherein the first object is the object of interest subsidy provided by the interest subsidy party during the interest settlement period; The interest subsidy module is used to perform interest subsidy processing based on the amount of any deduction account of the interest subsidy party and the interest subsidy amount of each first object corresponding to the deduction account.

8. The device according to claim 7, characterized in that The interest subsidy module is specifically used for: For any first object corresponding to the deduction account, if the amount in the deduction account is greater than or equal to the interest subsidy amount of the first object, the interest subsidy amount is deducted from the amount in the deduction account to obtain the amount in a new deduction account.

9. The device according to claim 7, characterized in that The interest subsidy module is specifically used for: For any first object corresponding to the deduction account, if the amount of the deduction account is less than the interest subsidy amount of the first object, determining whether the interest subsidy party has other deduction accounts; If there is no other deduction account or the amount in other deduction accounts is also less than the interest subsidy amount of the first object, the interest subsidy party is subject to internal account suspension; or, If there are other deduction accounts and the amount in the other deduction accounts is greater than the interest subsidy amount of the first object, the interest subsidy amount of the first object is deducted from the amount in the other deduction accounts to obtain the amount in the new other deduction accounts.

10. The device according to claim 9, characterized in that Before deducting the interest subsidy amount of the first object from the amount in the other deduction account, the interest subsidy module is further used to: Sending a first notification message to the interest subsidy party; wherein the first notification message includes the identification information of the deduction account, the identification information of the other deduction accounts, and the amount of the other deduction accounts; The interest subsidy module is specifically used for: In response to the response information for the first notification information, if the response information is verified and it is determined that the response information indicates consent to deduction, the interest subsidy amount of the first object is deducted from the amount of the other deduction account.

11. The device according to claim 7, characterized in that The invention also includes a prediction module, which is used before the interest settlement period to: At the target time, determining a predicted interest subsidy amount based on the interest subsidy amounts of all second objects corresponding to any deduction account of the interest subsidy party; wherein the second object is an object to be subsidized from the deduction account at the target time; If the difference between the amount in the deduction account and the predicted interest subsidy amount is less than the preset difference, notification is made through the preset notification method.

12. The device according to claim 7, characterized in that Also included are tuning modules for: In response to the interest subsidy adjustment instruction, determining a new interest subsidy amount corresponding to the target object based on the new interest subsidy method corresponding to the interest subsidy adjustment instruction and the loan amount of the target object; Among them, the target object is the first object corresponding to the interest subsidy adjustment instruction.

13. An electronic device, characterized in that: include: A memory for storing program instructions; A processor is used to call the program instructions stored in the memory, and execute the steps included in any one of claims 1-6 according to the obtained program instructions.

14. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a computer, the computer executes the method according to any one of claims 1 to 6.

15. A computer program product, characterized in that The computer program product comprises: a computer program code, and when the computer program code is run on a computer, the computer is enabled to execute the method according to any one of claims 1 to 6.

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