CN109255696A - A kind of refund data determination method, device, server and computer storage medium - Google Patents
A kind of refund data determination method, device, server and computer storage medium Download PDFInfo
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- CN109255696A CN109255696A CN201810849590.3A CN201810849590A CN109255696A CN 109255696 A CN109255696 A CN 109255696A CN 201810849590 A CN201810849590 A CN 201810849590A CN 109255696 A CN109255696 A CN 109255696A
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Abstract
The embodiment of the invention provides a kind of refund data determination method, device, server and computer storage mediums, the described method includes: obtaining the credit information of target object, and the data that should refund of each payment period are calculated according to the mode of repayment of equal principal using the credit information；It should be refunded capital according to the practical refund capital and residue of the credit information and each payment period described in data acquisition that should refund；When the absolute value of difference between the practical refund capital of target payment period and the remaining capital that should refund of previous payment period is greater than preset threshold, should refund data described in adjustment, until being less than or equal to the preset threshold according to the absolute value of the credit information and the difference of the data reacquisition adjusted that should refund, the target payment period is the last one payment period in each payment period.Can effectively improve through the embodiment of the present invention determination should refund data when accuracy.
Description
Technical field
The present invention relates to internet financial technology fields, and in particular to a kind of refund data determination method, device, server
And computer storage medium.
Background technique
Currently, the mode of repayment of user is divided into equal principal and two kinds of equal capital in loan industry.Equal principal is this
The characteristics of mode of repayment is that monthly repayment amount is almost the same, with increasing for refund issue, the capital that includes in repayment amount
More and more, interest is fewer and fewer.But current equal principal calculation is according to 30 days every months, 360 days 1 year sides
Formula calculates, and this calculated refund interest accuracy of mode is not high.
Summary of the invention
The embodiment of the invention provides a kind of refund data determination method, device, server and computer storage mediums, can
With effectively improve determination should refund data when accuracy.
First aspect of the embodiment of the present invention provides a kind of refund data determination method, comprising:
The credit information of target object is obtained, and is calculated often using the credit information according to the mode of repayment of equal principal
The data that should refund of a payment period, the credit information includes loan principal and repayment schedule；
According to the practical refund capital of the credit information and each payment period described in data acquisition that should refund with
And residue should refund capital；
When difference between the practical refund capital of target payment period and the residue of previous payment period should refund capital
Absolute value when being greater than preset threshold, should refund described in adjustment data, until that according to the credit information and adjusted should go back
Amount of money should be gone back according to the practical refund capital of the target payment period of reacquisition and the residue of the previous payment period
The absolute value of difference is less than or equal to the preset threshold between money capital, and the target payment period is each refund week
The last one interim payment period.
Second aspect of the embodiment of the present invention provides a kind of refund data determining device, comprising:
Module is obtained, for obtaining the credit information of target object；
Computing module, for calculating each payment period according to the mode of repayment of equal principal using the credit information
Should refund data, and the credit information includes loan principal and repayment schedule；
The acquisition module is also used to all according to the credit information and each refund described in data acquisition that should refund
The practical refund capital and residue of phase should refund capital；
Module is adjusted, the residue for practical refund capital and previous payment period when target payment period should refund
Should refund data when the absolute value of difference is greater than preset threshold between capital, described in adjustment, until according to the credit information and
The practical refund capital of the target payment period of the data reacquisition adjusted that should refund and the previous refund week
The absolute value of difference is less than or equal to the preset threshold between the remaining capital that should refund of phase, and the target payment period is institute
State the last one payment period in each payment period.
The third aspect of the embodiment of the present invention provides a kind of server, comprising: processor, network interface and storage device,
The processor, the network interface and the storage device are connected with each other, wherein the network interface is by the processor
Control is used for sending and receiving data, and the storage device is for storing computer program, and the computer program includes program instruction, institute
It states processor to be configured for calling described program instruction, executes refund data determination method described in above-mentioned first aspect.
Fourth aspect of the embodiment of the present invention provides a kind of computer storage medium, is stored in the computer storage medium
Program instruction, the program instruction are performed, for realizing refund data determination method described in above-mentioned first aspect.
The credit information of available target object through the embodiment of the present invention, and using credit information according to equal principal
Mode of repayment calculate the data that should refund of each payment period, it is all according to credit information and each refunds of the data acquisition that should refund
The practical refund capital and residue of phase should refund capital, when the last one payment period practical refund capital and it is previous also
When the absolute value of difference is greater than preset threshold between the remaining capital that should refund in money period, the above-mentioned data that should refund are adjusted, until
According to the practical refund capital of credit information and the last one payment period of the data reacquisition adjusted that should refund with before
The absolute value of difference is less than or equal to preset threshold between the remaining capital that should refund of one payment period, so as to effectively mention
High determination should refund data when accuracy.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment
Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for
For those of ordinary skill in the art, without creative efforts, it can also be obtained according to these attached drawings other
Attached drawing.
Fig. 1 is a kind of flow diagram of refund data determination method provided in an embodiment of the present invention；
Fig. 2 is that one kind provided in an embodiment of the present invention should refund the schematic diagrames of data；
Fig. 3 is that another kind provided in an embodiment of the present invention should refund the schematic diagrames of data；
Fig. 4 is a kind of structural schematic diagram of refund data determining device provided in an embodiment of the present invention；
Fig. 5 is a kind of structural schematic diagram of server provided in an embodiment of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
Wherein, the server in the embodiment of the present invention can be net and borrow the application such as platform, online insurance platform, online shopping platform
Platform is corresponding for handling the server of loan transaction.
Referring to Fig. 1, being a kind of flow diagram of refund data determination method provided in an embodiment of the present invention.This implementation
Refund data determination method described in example, comprising the following steps:
101, server obtains the credit information of target object, and using the credit information according to the refund of equal principal
Mode calculates the data that should refund of each payment period.
Wherein, credit information includes loan principal and repayment schedule.
Wherein, repayment schedule can specifically include refund issue, the value date of Annual Percentage Rate and each payment period, refund
Day.
In the specific implementation, target object can be loan user, after target object submits loan application, server is determined
The loan principal of target object application and refund issue, the annual interest corresponding with the refund issue of selection of target object recognition
The repayment schedules such as rate, the value date of each payment period, repayment date, and can use the loans such as loan principal, repayment schedule letter
Breath calculates the data that should refund of each payment period according to the mode of repayment of traditional equal principal, and the data that should refund are target
Object answers repayment amount each payment period.
For example, loan principal Z, the Annual Percentage Rate of agreement are M, and refund issue (dividing by month) is K, then according to biography
What the equal principal calculation formula of system calculated each payment period of target object answers repayment amount A (i.e. above-mentioned to go back amount of money
According to), then A=Z* rate per month * (1+ rate per month)K/ [(1+ rate per month)K- 1], wherein rate per month=M/12.
102, the server is according to the credit information and each payment period described in data acquisition that should refund
Practical refund capital and residue should refund capital.
In the specific implementation, server can first calculate the refund interest of each payment period, calculation can be with are as follows: needle
To any payment period in each payment period, the residue before obtaining the payment period in loan principal should refund capital,
Recycle that residue should refund capital and repayment schedule calculates the refund interest of the payment period.Calculating each payment period
After refund interest, the refund interest that server can use the payment period calculates the reality of the payment period with the data that should refund
Border refund capital, and can use the practical refund capital calculating of remaining should refund capital and the payment period in loan principal
The residue of the payment period should refund capital, and the residue of the payment period capital that should refund refers to after payment period refund,
The remaining part capital that should be gone back in loan principal.
In some possible embodiments, server by utilizing residue should refund capital and repayment schedule calculates refund week
The concrete mode of the refund interest of phase can be with are as follows: server obtains the repayment date of the payment period and carried interest from repayment schedule
Day, the interest-bearing number of days of the payment period then is calculated using the repayment date of the payment period and value date, and then answer using residue
Refund capital, interest-bearing number of days and Annual Percentage Rate calculate the refund interest of the payment period.
For example, by taking the practical refund capital and residue that calculate first payment period should refund capital as an example, root
Rate per diem m=M/360 is calculated according to Annual Percentage Rate M, the residue before obtaining first payment period in loan principal should refund capital,
Due to not carrying out refund before first payment period, then the residue before first payment period in loan principal should be gone back
Money capital is still loan principal Z, remembers that the refund interest of first payment period is N, then N=Z* (repayment date-value date) * m, that
, remember that the practical refund capital of first payment period is B, then B=A-N, remembers that the residue of first payment period should refund this
Gold is C, then C=Z-B, C is then denoted as Z ' as the residue of first payment period should refund that bring above-mentioned refund into sharp for capital
The refund interest ... ... that second payment period is calculated in calculation formula is ceased, to can successively count according to this calculation
Calculate below that the practical refund capital of each payment period and residue should refund capital.
103, between the residue of the practical refund capital of target payment period and previous payment period should refund capital
When the absolute value of difference is greater than preset threshold, should refund data described in the server adjustment, until according to the credit information
Practical refund capital and the previous refund with the target payment period of the data reacquisition adjusted that should refund
The absolute value of difference is less than or equal to the preset threshold between the remaining capital that should refund in period.
Wherein, target payment period is the last one payment period in above-mentioned each payment period.
It is understood that in the case where target object is normally refunded, the residue of target payment period should refund capital
It should be zero.
In the specific implementation, after the practical refund capital and residue for calculating each payment period should refund capital,
The practical refund capital of the available target payment period of server and the residue of previous payment period should refund between capital
The absolute value of difference, it can be understood as in the also loan of the last one payment period, the last one of target object payment is also
The practical refund capital in money period with after previous payment period (i.e. penultimate payment period) refund in loan principal
The departure between part capital that residue should be gone back, when being equivalent to total loan principal and the signing of target object actual delivery
Loan principal Z (i.e. payable total loan principal) between departure, if above-mentioned absolute value (i.e. departure) is greater than
Preset threshold, illustrate between total loan principal of target object actual delivery and payable total loan principal deviation compared with
More, if refund will lead to target object in this manner or loan platform suffers certain loss, it can be considered to right
The calculated data that should refund are adjusted in step 101.
Wherein, it after server corresponds to refund data point reuse, is obtained again according to credit information and the data adjusted that should refund
Taking the practical refund capital of each payment period and residue should refund capital, then judge the reality of target payment period again also
Whether the absolute value of difference is also greater than preset threshold between money capital and the remaining capital that should refund of previous payment period, if
Also greater than, then continue to adjust the data that should refund, until the mesh according to credit information and the data reacquisition adjusted that should refund
The absolute value for marking difference between the practical refund capital of payment period and the remaining capital that should refund of previous payment period is less than
Or it is equal to the preset threshold；If above-mentioned absolute value is less than or equal to the preset threshold after corresponding refund data point reuse, then service
Device is using the data adjusted that should refund as the data that should refund actually used.
In some possible embodiments, the mode that server corresponds to refund data point reuse can be with are as follows: server by utilizing
Data itself, the residue of previous payment period of should refunding should refund between capital and the practical refund capital of target payment period
Difference and the adjustment of refund issue should refund data, such as the residue of previous payment period can be calculated should refund capital and mesh
Mark the ratio of the difference and refund issue between the practical refund capital of payment period, the data that then should refund and above-mentioned ratio
Sum as the data adjusted that should refund.
It is adjusted it should be noted that refund data can also be corresponded to using other modes, so that according to loan
The practical refund capital and previous payment period of information and the target payment period of the data reacquisition adjusted that should refund
The residue absolute value of difference between capital that should refund be less than or equal to preset threshold, the adjustment for the data that should specifically refund
The mode embodiment of the present invention is without limitation.
For example, server should refund capital in the practical refund capital B and residue for calculating each payment period
Z ' later, (i.e. refund week the practical refund capital B and previous payment period for obtaining the last one payment period by penultimate
Phase) residue should refund the absolute value of difference between capital Z ' | Z '-B |, if | Z '-B | > g, g are preset threshold, Ke Yiqu
0.008, naturally it is also possible to take an other smaller value, then adjust the data A that should refund, the data that should refund after being adjusted
A ', specific adjustment mode can be with are as follows: A '=A+ (Z '-B)/K, then according to credit information and the data A ' weight adjusted that should refund
The practical refund capital B and residue for newly calculating each payment period should refund capital Z ', until | Z '-B | it is less than or equal to g
Until, and will meet | Z '-B | should refund data of the A ' as target object finally when less than or equal to g.
Again for example, loan principal 10000, Annual Percentage Rate 24%, 12 phase of refund issue, value date and repayment date difference
Are as follows:
2016-12-20 2016-11-26
2017-01-20 2016-12-21
2017-02-20 2017-01-21
2017-03-20 2017-02-21
2017-04-20 2017-03-21
2017-05-22 2017-04-21
2017-06-20 2017-05-23
2017-07-20 2017-06-21
2017-08-21 2017-07-21
2017-09-20 2017-08-22
2017-10-20 2017-09-21
2017-11-20 2017-10-21
Wherein, first it is classified as repayment date, second is classified as value date, if according to the calculation meter of traditional equal principal
The data that should refund monthly calculated are as shown in Fig. 2, the monthly mortgage in Fig. 2 is equivalent to the data that should refund, and uses going back for the application
Amount of money is according to the data that should refund monthly calculated after the scheme of determination as shown in figure 3, first row, third column and the 5th arrange in Fig. 3
Monthly repayment amount, refund capital, refund interest are respectively represented, monthly repayment amount is equivalent to the data that should refund, 2 He of comparison diagram
Fig. 3 it can be found that using equal principal mode of repayment when, for identical loan principal and repayment schedule, should go back in Fig. 3
Amount of money ensure that target object and loan by accurately determining out the data that should refund according to the data that should refund being less than in Fig. 2
The legitimate rights and interests of platform both sides, effectively improve user experience.
In the embodiment of the present invention, the credit information of the available target object of server, and using credit information according to etc.
The mode of repayment of volume principal and interest calculates the data that should refund of each payment period, each according to credit information and the data acquisition that should refund
The practical refund capital and residue of payment period should refund capital, when the practical refund capital of the last one payment period is with before
When the absolute value of difference is greater than preset threshold between the remaining capital that should refund of one payment period, adjustment is above-mentioned should to go back amount of money
According to until the practical refund sheet according to credit information and the last one payment period of the data reacquisition adjusted that should refund
The absolute value of the golden difference between the remaining capital that should refund of previous payment period is less than or equal to preset threshold, to be directed to
The mode of repayment of equal principal, after calculating monthly repayment amount according to traditional interest-bearing mode, by the repayment amount into
Row adjustment obtain monthly final repayment amount, can effectively improve determination should refund data when accuracy, ensure that target
The legitimate rights and interests of object and loan platform both sides, effectively improve user experience.
Referring to Fig. 4, being a kind of structural schematic diagram of refund data determining device provided in an embodiment of the present invention.This implementation
Refund data determining device described in example, comprising:
Module 401 is obtained, for obtaining the credit information of target object；
Computing module 402, for calculating each refund week according to the mode of repayment of equal principal using the credit information
The data that should refund of phase, the credit information includes loan principal and repayment schedule；
The acquisition module 401 is also used to each be gone back described in data acquisition according to the credit information and described should refund
The practical refund capital and residue in money period should refund capital；
Module 403 is adjusted, the residue for practical refund capital and previous payment period when target payment period is answered
When the absolute value of difference is greater than preset threshold between refund capital, should refund data described in adjustment, believe until according to the loan
Breath and it is adjusted should refund data reacquisition the target payment period practical refund capital and it is described it is previous and also
The absolute value of difference is less than or equal to the preset threshold, the target payment period between the remaining capital that should refund in money period
For the last one payment period in each payment period.
Optionally, the acquisition module 401, is specifically used for:
For any payment period in each payment period, obtain in the payment period foregoing description loan principal
Residue should refund capital；
Capital should be refunded using the residue and the repayment schedule calculates the refund interest of the payment period；
The practical refund capital of the payment period is calculated using the refund interest and the data that should refund of the payment period；
It should be gone back using the remaining practical refund capital calculating that should refund capital and the payment period in the loan principal
The residue in money period should refund capital.
Optionally, the repayment schedule includes refund issue, the value date of Annual Percentage Rate and each payment period, repayment date.
Optionally, the adjustment module 403, is specifically used for:
When difference between the practical refund capital of target payment period and the residue of previous payment period should refund capital
Absolute value when being greater than preset threshold, should be refunded capital using the data that should refund, the residue of the previous payment period
Difference and the refund issue between the practical refund capital of the target payment period, should refund described in adjustment data.
Optionally, data, the residue of the previous payment period of should refunding described in adjustment module 403 utilization should be gone back
Difference and the refund issue between money capital and the practical refund capital of the target payment period should refund described in adjustment
The concrete mode of data are as follows:
Calculate the practical refund sheet of remaining should the refund capital and the target payment period of the previous payment period
The ratio of difference and the refund issue between gold；
Using the sum of should refund data and the ratio as the data adjusted that should refund.
Optionally, the acquisition module 401 should refund capital using the residue and the repayment schedule calculates the refund
The concrete mode of the refund interest in period are as follows:
The interest-bearing number of days of the payment period is calculated using the repayment date and value date of the payment period；
Using the residue should refund capital, the interest-bearing number of days and the Annual Percentage Rate calculate the payment period refund benefit
Breath.
Optionally, the residue of the target payment period capital that should refund is zero.
It is understood that the function of each functional module of the refund data determining device of the embodiment of the present invention can be according to upper
The method specific implementation in embodiment of the method is stated, specific implementation process is referred to the associated description of above method embodiment,
Details are not described herein again.
In the embodiment of the present invention, the credit information that module 401 obtains target object is obtained, computing module 402 utilizes loan
Information calculates the data that should refund of each payment period according to the mode of repayment of equal principal, obtains module 401 also according to loan
It information and should refund the practical refund capital of each payment period of data acquisition and residue should refund capital, adjust module 403
When the practical refund capital of the last one payment period and the residue of previous payment period should refund the exhausted of difference between capital
When being greater than preset threshold to value, adjustment should refund data, obtain again until according to credit information and the data adjusted that should refund
Difference between the practical refund capital of the last one payment period taken and the remaining capital that should refund of previous payment period
Absolute value be less than or equal to preset threshold, so as to effectively improve determination should refund data when accuracy.
Referring to Fig. 5, Fig. 5 is a kind of structural schematic diagram of server provided in an embodiment of the present invention, the embodiment of the present invention
Described in server include: processor 501, communication interface 502, memory 503.Wherein, processor 501, communication interface
502, memory 503 can be connected by bus or other modes, and the embodiment of the present invention by bus for being connected.
Processor 501 can be central processing unit (central processing unit, CPU), network processing unit
(network processor, NP), graphics processor (graphics processing unit, GPU) or CPU, GPU and
The combination of NP.Processor 501 is also possible in multi-core CPU, multicore GPU or multicore NP for realizing the core of communication identifier binding.
Above-mentioned processor 501 can be hardware chip.Above-mentioned hardware chip can be specific integrated circuit
(application-specific integrated circuit, ASIC), programmable logic device (programmable
Logic device, PLD) or combinations thereof.Above-mentioned PLD can be Complex Programmable Logic Devices (complex
Programmable logic device, CPLD), field programmable gate array (field-programmable gate
Array, FPGA), Universal Array Logic (generic array logic, GAL) or any combination thereof.
Above-mentioned communication interface 502 can be used for receiving and sending messages or the interaction of signaling and the reception of signal and transmitting, communication connect
Mouth 502 can be transceiver.Above-mentioned memory 503 can mainly include storing program area and storage data area, wherein storage program
It area can storage program (such as text store function, position store function etc.) needed for storage program area, at least one function；
Storage data area, which can be stored, uses created data (such as image data, lteral data) etc. according to server, and can be with
Including application memory program etc..In addition, memory 503 may include high-speed random access memory, it can also include non-volatile
Property memory, a for example, at least disk memory, flush memory device or other volatile solid-state parts.
Above-mentioned memory 503 is also used to store program instruction.Above-mentioned processor 501 can call above-mentioned memory 503 to deposit
The program instruction of storage realizes refund data determination method as shown in the embodiment of the invention.
Specifically, above-mentioned processor 501 calls the program instruction being stored in above-mentioned memory 503 to execute following steps:
Obtain the credit information of target object；
The data that should refund of each payment period, institute are calculated according to the mode of repayment of equal principal using the credit information
Stating credit information includes loan principal and repayment schedule；
According to the practical refund capital of the credit information and each payment period described in data acquisition that should refund with
And residue should refund capital；
When difference between the practical refund capital of target payment period and the residue of previous payment period should refund capital
Absolute value when being greater than preset threshold, should refund described in adjustment data, until that according to the credit information and adjusted should go back
Amount of money should be gone back according to the practical refund capital of the target payment period of reacquisition and the residue of the previous payment period
The absolute value of difference is less than or equal to the preset threshold between money capital, and the target payment period is each refund week
The last one interim payment period.
Optionally, the processor 501, is specifically used for:
For any payment period in each payment period, obtain in the payment period foregoing description loan principal
Residue should refund capital；
Capital should be refunded using the residue and the repayment schedule calculates the refund interest of the payment period；
The practical refund capital of the payment period is calculated using the refund interest and the data that should refund of the payment period；
It should be gone back using the remaining practical refund capital calculating that should refund capital and the payment period in the loan principal
The residue in money period should refund capital.
Optionally, the repayment schedule includes refund issue, the value date of Annual Percentage Rate and each payment period, repayment date.
Optionally, the processor 501, is specifically used for:
When difference between the practical refund capital of target payment period and the residue of previous payment period should refund capital
Absolute value when being greater than preset threshold, should be refunded capital using the data that should refund, the residue of the previous payment period
Difference and the refund issue between the practical refund capital of the target payment period, should refund described in adjustment data.
Optionally, data, the residue of the previous payment period of should refunding described in the utilization of processor 501 should refund
Difference and the refund issue between capital and the practical refund capital of the target payment period should go back amount of money described in adjustment
According to concrete mode are as follows:
Calculate the practical refund sheet of remaining should the refund capital and the target payment period of the previous payment period
The ratio of difference and the refund issue between gold；
Using the sum of should refund data and the ratio as the data adjusted that should refund.
Optionally, the processor 501 should refund capital using the residue and the repayment schedule calculates refund week
The concrete mode of the refund interest of phase are as follows:
The interest-bearing number of days of the payment period is calculated using the repayment date and value date of the payment period；
Using the residue should refund capital, the interest-bearing number of days and the Annual Percentage Rate calculate the payment period refund benefit
Breath.
Optionally, the residue of the target payment period capital that should refund is zero.
In the specific implementation, processor 501, communication interface 502 described in the embodiment of the present application, memory 503 can be held
Implementation described in row refund data determination method provided in an embodiment of the present invention, also can be performed the embodiment of the present application figure
The implementation of the 4 refund data determining devices provided, details are not described herein.
In the embodiment of the present invention, processor 501 obtains the credit information of target object, using credit information according to equal
The mode of repayment of breath calculates the data that should refund of each payment period, and is each gone back according to credit information and the data acquisition that should refund
The practical refund capital and residue in money period should refund capital, when the last one payment period practical refund capital with it is previous
When the absolute value of difference is greater than preset threshold between the remaining capital that should refund of a payment period, the adjustment of processor 501 should refund
Data, until the practical refund according to credit information and the last one payment period of the data reacquisition adjusted that should refund
The absolute value of difference is less than or equal to preset threshold between capital and the remaining capital that should refund of previous payment period, so as to
With effectively improve determination should refund data when accuracy.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the program can be stored in a computer-readable storage medium
In, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, the storage medium can be magnetic
Dish, CD, read-only memory (Read-Only Memory, ROM) or random access memory (Random Access
Memory, abbreviation RAM) etc..
The above disclosure is only the preferred embodiments of the present invention, cannot limit the right model of the present invention with this certainly
It encloses, therefore equivalent changes made in accordance with the claims of the present invention, is still within the scope of the present invention.
Claims (10)
1. a kind of refund data determination method characterized by comprising
The credit information of target object is obtained, and calculates each go back according to the mode of repayment of equal principal using the credit information
The data that should refund in money period, the credit information includes loan principal and repayment schedule；
According to the practical refund capital of the credit information and each payment period described in data acquisition that should refund and surplus
The remaining capital that should refund；
When the practical refund capital of target payment period and the residue of previous payment period should refund the exhausted of difference between capital
Should refund data when being greater than preset threshold to value, described in adjustment, until that according to the credit information and adjusted should go back amount of money
This should be refunded according to the practical refund capital of the target payment period and the residue of the previous payment period of reacquisition
The absolute value of difference is less than or equal to the preset threshold between gold, and the target payment period is in each payment period
The last one payment period.
2. the method according to claim 1, wherein described according to the credit information and the data that should refund
The practical refund capital and residue for obtaining each payment period should refund capital, comprising:
For any payment period in each payment period, obtain surplus in the payment period foregoing description loan principal
The remaining capital that should refund；
Capital should be refunded using the residue and the repayment schedule calculates the refund interest of the payment period；
The practical refund capital of the payment period is calculated using the refund interest and the data that should refund of the payment period；
Refund week is calculated using should the refund practical refund capital of capital and the payment period of the residue in the loan principal
The residue of phase should refund capital.
3. according to the method described in claim 2, it is characterized in that,
The repayment schedule includes refund issue, the value date of Annual Percentage Rate and each payment period, repayment date.
4. according to the method described in claim 3, it is characterized in that, described when the practical refund capital of target payment period is with before
When the absolute value of difference is greater than preset threshold between the remaining capital that should refund of one payment period, amount of money should be gone back described in adjustment
According to, comprising:
When the practical refund capital of target payment period and the residue of previous payment period should refund the exhausted of difference between capital
When being greater than preset threshold to value, it should be refunded capital and institute using the data that should refund, the residue of the previous payment period
The difference between the practical refund capital of target payment period and the refund issue are stated, should refund data described in adjustment.
5. according to the method described in claim 4, it is characterized in that, the data that should refund described in the utilization, it is described it is previous also
Difference and the repayment period that the residue in money period should refund between capital and the practical refund capital of the target payment period
It counts, should refund data described in adjustment, comprising:
Calculate the previous payment period residue should refund capital and the target payment period practical refund capital it
Between difference and the refund issue ratio；
Using the sum of should refund data and the ratio as the data adjusted that should refund.
6. according to the method described in claim 3, capital and the refund it is characterized in that, the utilization residue should refund
Plan calculates the refund interest of the payment period, comprising:
The interest-bearing number of days of the payment period is calculated using the repayment date and value date of the payment period；
The refund interest of the payment period is calculated using should refund capital, the interest-bearing number of days and the Annual Percentage Rate of the residue.
7. the method according to claim 1, wherein
The residue of the target payment period capital that should refund is zero.
8. a kind of refund data determining device characterized by comprising
Module is obtained, for obtaining the credit information of target object；
Computing module, for calculating should going back for each payment period according to the mode of repayment of equal principal using the credit information
Amount of money evidence, the credit information include loan principal and repayment schedule；
The acquisition module is also used to according to the credit information and each payment period described in data acquisition that should refund
Practical refund capital and residue should refund capital；
Module is adjusted, for that should refund capital when the practical refund capital of target payment period and the residue of previous payment period
Between the absolute value of difference when being greater than preset threshold, should refund described in adjustment data, until according to the credit information and adjustment
The practical refund capital and the previous payment period of the target payment period of the data reacquisition that should refund afterwards
The residue absolute value of difference between capital that should refund is less than or equal to the preset threshold, and the target payment period is described every
The last one payment period in a payment period.
9. a kind of server, which is characterized in that including processor, network interface and storage device, the processor, the network
Interface and the storage device are connected with each other, wherein the network interface is used for sending and receiving data, institute by the control of the processor
Storage device is stated for storing computer program, the computer program includes program instruction, and the processor is configured for
Described program instruction is called, such as refund data determination method according to any one of claims 1 to 7 is executed.
10. a kind of computer storage medium, which is characterized in that be stored with program instruction in the computer storage medium, the program
Instruction is performed, for realizing refund data determination method such as according to any one of claims 1 to 7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810849590.3A CN109255696A (en) | 2018-07-28 | 2018-07-28 | A kind of refund data determination method, device, server and computer storage medium |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810849590.3A CN109255696A (en) | 2018-07-28 | 2018-07-28 | A kind of refund data determination method, device, server and computer storage medium |
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| CN109255696A true CN109255696A (en) | 2019-01-22 |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111145013A (en) * | 2019-12-31 | 2020-05-12 | 中国银行股份有限公司 | Repayment data adjusting method and device |
| CN111681117A (en) * | 2020-05-25 | 2020-09-18 | 泰康保险集团股份有限公司 | System, method and device for payment in treatment |
-
2018
- 2018-07-28 CN CN201810849590.3A patent/CN109255696A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111145013A (en) * | 2019-12-31 | 2020-05-12 | 中国银行股份有限公司 | Repayment data adjusting method and device |
| CN111681117A (en) * | 2020-05-25 | 2020-09-18 | 泰康保险集团股份有限公司 | System, method and device for payment in treatment |
| CN111681117B (en) * | 2020-05-25 | 2023-09-12 | 泰康保险集团股份有限公司 | System, method and device for payment treatment |
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Application publication date: 20190122 |