阅读说明：本技术 还款计划生成方法及系统 (Repayment plan generating method and system ) 是由 吴永辉 于 2021-09-09 设计创作，主要内容包括：本发明提供一种还款计划生成方法及系统,通过获取每一贷款业务类型对应的贷款业务数据,贷款业务数据至少包括还款计算规则；针对每一个还款计算规则,配置对应的代码包,并进行迭代测试,得到每一个还款计算规则对应的最终代码包；将所有的最终代码包编译成jar包；获取还款请求,还款请求包括贷款业务类型；基于贷款业务类型调用jar包中对应贷款业务类型的最终代码包；基于最终代码包生成还款计划。在本方案中,通过为每一个还款计算规则配置代码包,将得到的最终代码包编译成jar包,在获取到还款请求时,根据还款请求中的贷款业务类型调用jar包中对应贷款业务类型的最终代码包并生成还款计划,从而减少人力成本和时间成本。(The invention provides a repayment plan generating method and system, which comprises the steps of obtaining loan service data corresponding to each loan service type, wherein the loan service data at least comprises repayment calculation rules; configuring a corresponding code packet for each repayment calculation rule, and performing iterative test to obtain a final code packet corresponding to each repayment calculation rule; compiling all final code packages into jar packages; obtaining a repayment request, wherein the repayment request comprises a loan service type; calling a final code packet corresponding to the loan service type in the jar packet based on the loan service type; and generating a repayment plan based on the final code packet. According to the scheme, the code packet is configured for each repayment calculation rule, the obtained final code packet is compiled into the jar packet, and when the repayment request is obtained, the final code packet corresponding to the loan service type in the jar packet is called according to the loan service type in the repayment request to generate a repayment plan, so that the labor cost and the time cost are reduced.)

1. A payment plan generating method, the method comprising:

obtaining loan service data corresponding to each loan service type, wherein the loan service data at least comprises repayment calculation rules;

configuring a corresponding code packet for each repayment calculation rule, and performing iterative test to obtain a final code packet corresponding to each repayment calculation rule;

compiling all final code packages into jar packages;

obtaining a repayment request, wherein the repayment request comprises a loan service type;

calling a final code packet corresponding to the loan service type in the jar packet based on the loan service type;

generating a repayment plan based on the final code package.

2. The method according to claim 1, wherein the calculation rules include interest-counting rules, the interest-counting rules at least include one or more of equal amount interest, equal amount principal, first interest after background, equal proportion progression and equal amount progression, and the configuring and iteratively testing a corresponding code packet for each repayment calculation rule to obtain a final code packet corresponding to each repayment calculation rule includes:

compiling codes according to different types of interest rules to obtain code packets corresponding to the different types of interest rules;

and carrying out iterative test on each code packet to obtain a final code packet corresponding to each interest-bearing rule.

3. The method of claim 2, wherein the compiling the codes according to the different types of interest rules to obtain the code packets corresponding to the different types of interest rules comprises:

determining the type of the current compiled interest-bearing rule;

obtaining a calculation rule of interest based on the type, a calculation period, a rest date and an end date of the calculation period, and specific calculation parameters, wherein the specific calculation parameters comprise a penalty parameter, a profit parameter and an optimization parameter;

and compiling codes based on the calculation rule of the information, the calculation period, the starting date and the ending date of the calculation period and the specific calculation parameters to obtain a code packet corresponding to the information calculation rule.

4. A payment plan generating system, the system comprising:

the system comprises a first acquisition module, a second acquisition module and a processing module, wherein the first acquisition module is used for acquiring loan service data corresponding to each loan service type, and the loan service data at least comprises repayment calculation rules;

the configuration module is used for configuring a corresponding code packet for each repayment calculation rule and performing iterative test to obtain a final code packet corresponding to each repayment calculation rule;

the compiling module is used for compiling all the final code packages into jar packages;

the second acquisition module is used for acquiring a repayment request, and the repayment request comprises a loan service type;

the calling module is used for calling a final code packet corresponding to the loan service type in the jar packet based on the loan service type;

and the generating module is used for generating a repayment plan based on the final code packet.

5. The system of claim 4, wherein the calculation rules include interest-bearing rules including at least one or more of equal interest, interest-after, equal proportion progressive, and equal progressive, and wherein the configuration module comprises:

the compiling unit is used for compiling codes according to the different types of interest rules to obtain code packets corresponding to the different types of interest rules;

and the test unit is used for carrying out iterative test on each code packet to obtain a final code packet corresponding to each interest-counting rule.

6. The system of claim 4, wherein the compiling unit comprises:

the determining unit is used for determining the type of the interest-bearing rule which is compiled currently;

the obtaining unit is used for obtaining a calculation rule of interest based on the type, a calculation cycle, a rest date and an end date of the calculation cycle and specific calculation parameters, wherein the specific calculation parameters comprise a penalty parameter, a profit parameter and an optimization parameter;

and the compiling unit is used for carrying out code compiling based on the interest calculation rule, the calculation cycle, the starting date and the ending date of the calculation cycle and the specific calculation parameters to obtain a code packet corresponding to the interest calculation rule.

Technical Field

The invention relates to the technical field of computer data processing, in particular to a repayment plan generation method and system.

Background

In loan business, after the system deposits money, a user can pay according to different payment modes, but different payment calculation formulas exist in different institutions or products, the sequence of the payment calculation formulas is different, so that the final calculation result is different, and a uniform solution is not provided for the same payment mode, so that different companies and departments can develop one set of codes respectively, problems are solved, iterative repair is carried out, and the labor cost and the time cost are high.

Disclosure of Invention

In view of this, embodiments of the present invention provide a payment plan generating method and system, so as to achieve the purpose of reducing labor cost and time cost.

In order to achieve the above purpose, the embodiments of the present invention provide the following technical solutions:

the first aspect of the embodiment of the invention discloses a repayment plan generation method, which comprises the following steps:

obtaining loan service data corresponding to each loan service type, wherein the loan service data at least comprises repayment calculation rules;

configuring a corresponding code packet for each repayment calculation rule, and performing iterative test to obtain a final code packet corresponding to each repayment calculation rule;

compiling all final code packages into jar packages;

obtaining a repayment request, wherein the repayment request comprises a loan service type;

calling a final code packet corresponding to the loan service type in the jar packet based on the loan service type;

generating a repayment plan based on the final code package.

Optionally, the calculation rules include interest-counting rules, where the interest-counting rules at least include one or more of an equal amount of interest, an equal amount of principal, an equal amount of interest after interest, an equal proportion progression, and an equal amount progression, and the method configures a corresponding code packet for each repayment calculation rule, and performs an iterative test to obtain a final code packet corresponding to each repayment calculation rule, and includes:

compiling codes according to different types of interest rules to obtain code packets corresponding to the different types of interest rules;

and carrying out iterative test on each code packet to obtain a final code packet corresponding to each interest-bearing rule.

Optionally, the compiling the codes according to the different types of interest rules to obtain the code packets corresponding to the different types of interest rules includes:

determining the type of the current compiled interest-bearing rule;

obtaining a calculation rule of interest based on the type, a calculation period, a rest date and an end date of the calculation period, and specific calculation parameters, wherein the specific calculation parameters comprise a penalty parameter, a profit parameter and an optimization parameter;

and compiling codes based on the calculation rule of the information, the calculation period, the starting date and the ending date of the calculation period and the specific calculation parameters to obtain a code packet corresponding to the information calculation rule.

A second aspect of the embodiments of the present invention discloses a payment plan generating system, including:

the system comprises a first acquisition module, a second acquisition module and a processing module, wherein the first acquisition module is used for acquiring loan service data corresponding to each loan service type, and the loan service data at least comprises repayment calculation rules;

the configuration module is used for configuring a corresponding code packet for each repayment calculation rule and performing iterative test to obtain a final code packet corresponding to each repayment calculation rule;

the compiling module is used for compiling all the final code packages into jar packages;

the second acquisition module is used for acquiring a repayment request, and the repayment request comprises a loan service type;

the calling module is used for calling a final code packet corresponding to the loan service type in the jar packet based on the loan service type;

and the generating module is used for generating a repayment plan based on the final code packet.

Optionally, the calculation rule includes an interest rule, the interest rule at least includes one or more of an equal amount interest, an equal amount principal, an interest-before-interest, an equal ratio progression, and an equal amount progression, and the configuration module includes:

the compiling unit is used for compiling codes according to the different types of interest rules to obtain code packets corresponding to the different types of interest rules;

and the test unit is used for carrying out iterative test on each code packet to obtain a final code packet corresponding to each interest-counting rule.

Optionally, the compiling unit includes:

the determining unit is used for determining the type of the interest-bearing rule which is compiled currently;

the obtaining unit is used for obtaining a calculation rule of interest based on the type, a calculation cycle, a rest date and an end date of the calculation cycle and specific calculation parameters, wherein the specific calculation parameters comprise a penalty parameter, a profit parameter and an optimization parameter;

and the compiling unit is used for carrying out code compiling based on the interest calculation rule, the calculation cycle, the starting date and the ending date of the calculation cycle and the specific calculation parameters to obtain a code packet corresponding to the interest calculation rule.

Based on the above method and system for generating a payment plan provided by the embodiments of the present invention, the method includes: obtaining loan service data corresponding to each loan service type, wherein the loan service data at least comprises repayment calculation rules; configuring a corresponding code packet for each repayment calculation rule, and performing iterative test to obtain a final code packet corresponding to each repayment calculation rule; compiling all final code packages into jar packages; obtaining a repayment request, wherein the repayment request comprises a loan service type; calling a final code packet corresponding to the loan service type in the jar packet based on the loan service type; generating a repayment plan based on the final code package. According to the scheme, the code packet is configured for each repayment calculation rule, the obtained final code packet is compiled into the jar packet, and when the repayment request is obtained, the final code packet corresponding to the loan service type in the jar packet is called according to the loan service type in the repayment request to generate a repayment plan, so that the labor cost and the time cost are reduced.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.

Fig. 1 is a schematic flow chart of a payment plan generating method according to an embodiment of the present invention;

fig. 2 is a schematic flowchart of a configuration code package according to an embodiment of the present invention;

fig. 3 is a schematic flowchart of a process for obtaining code packets corresponding to different types of interest-bearing rules according to an embodiment of the present invention;

FIG. 4 is a schematic flow chart illustrating another payment plan generating method according to an embodiment of the present invention;

fig. 5 is a schematic structural diagram of a payment plan generating system according to an embodiment of the present invention;

fig. 6 is a schematic structural diagram of another payment plan generating system according to an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

In this application, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.

The terms "first," "second," "third," "fourth," and the like in the description and in the claims of the present application and in the drawings described above, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that the embodiments described herein may be practiced otherwise than as specifically illustrated or described herein.

It can be known from the background art that different payment calculation formulas exist in different mechanisms or products, the sequence of the payment calculation formulas is different, so that the final calculation results are different, and a uniform solution is not provided for the same payment mode, so that different companies and departments can develop a set of codes respectively, problems exist, iterative repair is performed, and the labor cost and the time cost are high.

In the scheme, the code packet is configured for each repayment calculation rule, the obtained final code packet is compiled into a jar packet, and when a repayment request is obtained, the final code packet corresponding to the loan business type in the jar packet is called according to the loan business type in the repayment request to generate a repayment plan, so that the labor cost and the time cost are reduced.

As shown in fig. 1, a schematic flow chart of a payment plan generating method according to an embodiment of the present invention is provided, where the method mainly includes the following steps:

step S101: and obtaining loan service data corresponding to each loan service type.

In step S101, the loan transaction data includes at least repayment calculation rules.

The calculation rules at least comprise interest-bearing rules, and the interest-bearing rules at least comprise one or more of equal amount of interest, equal amount of principal, interest before interest, equal ratio progressive and equal amount progressive.

It should be noted that one loan transaction corresponds to one loan transaction data, that is, one loan transaction type corresponds to one loan transaction data.

The same calculation rule may be used for one loan transaction type, or different calculation rules may be used for the loan transaction type.

The same loan transaction has different calculation rules due to different institutions or products.

For example, there are two mechanisms: the institution a and the institution B have the same loan service (house loan), the house loan of the institution a is calculated by first rounding off and then multiplying by the number of days, and the house loan of the institution B is calculated by first multiplying by the number of days and then rounding off, so that the two institutions have different calculation rules for the house loan.

In the process of implementing step S101 specifically, for each loan transaction type, corresponding loan transaction data is generated during the loan transaction, and when repayment is performed in a later period, repayment processing needs to be performed based on the loan transaction data, so that loan transaction data corresponding to each loan transaction type needs to be acquired, and data guarantee is provided for subsequent repayment processing.

Step S102: and configuring a corresponding code packet according to each repayment calculation rule, and performing iterative test to obtain a final code packet corresponding to each repayment calculation rule.

In the process of implementing step S102 specifically, for each repayment calculation rule, a corresponding code is configured for each repayment calculation rule to obtain a code packet corresponding to each repayment calculation rule, and an iteration test is performed on the code packet corresponding to each repayment calculation rule configuration to obtain a final code packet corresponding to each repayment calculation rule.

Optionally, when the calculation rule includes an interest-counting rule, and the interest-counting rule at least includes one or more of an equal amount of interest, an equal amount of principal, an interest-after-cost, an equal proportion progression, and an equal amount progression, the step S102 is executed to configure a corresponding code packet for each repayment calculation rule, and perform an iterative test to obtain a final code packet corresponding to each repayment calculation rule, as shown in fig. 2, a flow diagram for configuring a code packet provided in the embodiment of the present invention mainly includes the following steps:

step S201: and compiling codes according to the different types of interest rules to obtain code packets corresponding to the different types of interest rules.

In step S201, the type of the rest rule may be one or more of equal amount rest, equal amount fund, first rest and last rest, equal ratio progressive and equal amount progressive, but is not limited thereto.

In the process of implementing step S201 specifically, according to the type of the interest rule, corresponding codes are configured for different types of interest rules and code compiling is performed to obtain code packets corresponding to different types of interest rules.

For example, when the type of the interest rule is equal amount information, corresponding codes are configured for the equal amount information and are compiled to obtain code packets corresponding to the equal amount information.

For example, when the type of the interest rule is equal fund, the corresponding code is configured for the equal fund and the code is compiled to obtain the code packet corresponding to the equal fund.

For another example, when the type of interest rule is monthly interest, the interest rule for monthly interest is known as: the monthly interest is the native gold monthly rate, a corresponding code is configured for the monthly interest, the corresponding code is bigdecimapreheayInterest which is leftPrinctional.

Optionally, the process of performing code compiling according to different types of interest rules in step S201 to obtain code packets corresponding to different types of interest rules is executed, as shown in fig. 3, which is a schematic flow diagram for obtaining code packets corresponding to different types of interest rules according to an embodiment of the present invention, and the process mainly includes the following steps:

step S301: the type of the current interest-bearing rule being compiled is determined.

In the process of implementing step S301 specifically, when compiling the codes of different types of interest rules according to the types of the interest rules, the type of the currently compiled interest rule is determined, and then, the corresponding code compiling operation may be performed according to the type of the currently compiled interest rule.

Step S302: obtaining a calculation rule of interest based on the type, a calculation period, a starting date and a stopping date of the calculation period and specific calculation parameters.

In step S302, the specific calculation parameters include a penalty parameter, a profit parameter, and an optimization parameter.

The penalty refers to the punitive interest which is calculated by the borrower to the borrower based on the borrower principal that is not yet paid or appropriated (not used according to the purposes agreed by the borrowing contract).

The recyclability refers to the interest charged by the loan institution for the interest owed by the borrower.

In the process of specifically implementing step S302, after determining the type of the current compiling interest rule, according to the type of the current compiling interest rule, specific calculation parameters such as a calculation rule, a calculation cycle, a rest date and an end date of the calculation cycle, a penalty parameter, a profit parameter, and an optimization parameter of the type of the interest rule are obtained.

Step S303: and compiling codes based on the calculation rule of the interest, the calculation period, the starting date and the ending date of the calculation period and the specific calculation parameters to obtain a code packet corresponding to the interest calculation rule.

In the process of implementing step S303 specifically, according to the obtained calculation rule of the interest, the calculation period, the date of interest and the date of end of the calculation period, and the specific calculation parameter, a code corresponding to the calculation rule of the interest, the calculation period, the date of interest and the date of end of the calculation period, and the specific calculation parameter is configured and compiled to obtain a code packet corresponding to the interest rule.

Describing the example in step S201 with step S301 to step S303, determining that the type of the current compiled interest rule is monthly interest, acquiring the interest calculation rule, the calculation cycle, the date of interest and the date of end of the calculation cycle, and specific calculation parameters according to the type of the interest rule, specifically: the information-bearing date is the day, the termination date is the day, the penalty is collected, whether benefit is collected or not, whether a special place exists in the last period or not (for example, whether the information-bearing calculation rule needs to be optimized or not) is judged, then, the calculation period, the information-bearing date and the termination date of the calculation period and specific calculation parameters are calculated according to the obtained information-bearing calculation rule, the calculation period, the information-bearing date and the termination date of the calculation period and the specific calculation parameters, corresponding codes are configured for the information-bearing calculation rules, the calculation period, the information-bearing date and the termination date of the calculation period and the specific calculation parameters, and code compiling is carried out, so that a code packet corresponding to the information-bearing rule is obtained.

Step S202: and carrying out iterative test on each code packet to obtain a final code packet corresponding to each information rule.

In the process of implementing step S202 specifically, for the obtained code packets corresponding to the different types of interest rules, further performing an iterative test on the code packets corresponding to the different types of interest rules to obtain a final code packet corresponding to each of the interest rules.

Taking the example in step S201 as an example, after the code packet corresponding to the equal amount information is obtained as the interest rule, the code packet corresponding to the equal amount information is further subjected to an iterative test, so as to obtain a final code packet corresponding to the equal amount information.

For example, after obtaining the code packet whose interest rule is the equivalent principal, the code packet corresponding to the equivalent principal is further subjected to an iterative test to obtain a final code packet corresponding to the equivalent principal.

Step S103: compiling all final code packages into jar packages.

In the process of specifically implementing step S103, the final code packages corresponding to all the repayment calculation rules obtained are compiled into jar packages.

Preferably, when the repayment plan is generated, the final code packet corresponding to the loan service type in the jar packet is called according to the loan service type in the obtained repayment request, and the repayment plan is generated.

According to the repayment plan generating method provided by the embodiment of the invention, loan business data corresponding to each loan business type are obtained, and the loan business data at least comprise repayment calculation rules; configuring a corresponding code packet for each repayment calculation rule, and performing iterative test to obtain a final code packet corresponding to each repayment calculation rule; compiling all final code packages into jar packages. In the scheme, the code packet is configured for each repayment calculation rule, and the obtained final code packet is compiled into the jar packet, so that the repayment calculation rules can be unified by quoting the jar packet, and the labor cost and the time cost are reduced.

Based on the payment plan generating method shown in the embodiment of the present invention, as shown in fig. 4, another payment plan generating method provided in the embodiment of the present invention mainly includes the following steps:

step S401: and obtaining loan service data corresponding to each loan service type.

Step S402: and configuring a corresponding code packet according to each repayment calculation rule, and performing iterative test to obtain a final code packet corresponding to each repayment calculation rule.

Step S403: compiling all final code packages into jar packages.

The execution principle and process of steps S401 to S403 are the same as those of steps S101 to S103 disclosed in fig. 1, and reference may be made to these steps, which are not described herein again.

Step S404: a repayment request is obtained.

In step S404, the repayment request includes a loan transaction type.

In the process of implementing step S404, when a payment request is detected, the payment request is acquired.

Step S405: and calling a final code packet corresponding to the loan transaction type in the jar packet based on the loan transaction type.

In step S405, the jar packet is obtained after performing steps S401 to S403.

In the process of the specific implementation step S405, a loan transaction type is determined based on the obtained repayment request, and a final code packet corresponding to the loan transaction type in the compiled jar packets is called based on the determined loan transaction type.

Step S406: and generating a repayment plan based on the final code packet.

In the specific implementation process of step S406, a repayment plan is generated according to the called final code packet corresponding to the loan transaction type in the compiled jar packets.

According to the repayment plan generating method provided by the embodiment of the invention, loan business data corresponding to each loan business type are obtained, and the loan business data at least comprise repayment calculation rules; configuring a corresponding code packet for each repayment calculation rule, and performing iterative test to obtain a final code packet corresponding to each repayment calculation rule; compiling all final code packages into jar packages; obtaining a repayment request, wherein the repayment request comprises a loan service type; calling a final code packet corresponding to the loan service type in the jar packet based on the loan service type; and generating a repayment plan based on the final code packet. In the scheme, the code packet is configured for each repayment calculation rule, and the obtained final code packet is compiled into the jar packet, so that the repayment calculation rules can be unified by citing the jar packet, when a repayment request is obtained, the final code packet corresponding to the loan service type in the jar packet is called according to the loan service type in the repayment request, a repayment plan is generated, the repayment service can be rapidly processed, and the labor cost and the time cost are reduced.

In order to better understand the repayment plan generation method provided by the above embodiment of the present invention, the following description will be given by taking an example.

For example, one loan transaction type is the house loan, the loan transaction data corresponding to the house loan is obtained, and the repayment calculation rule of the house loan is determined.

And determining the interest-counting rule of the house loan according to the repayment calculation rule of the house loan, and determining the current compiled interest-counting rule of the house loan as the equivalent interest.

And acquiring a corresponding interest calculation rule, a calculation period, a rest date and an end date of the calculation period, and specific calculation parameters such as a penalty parameter, a rewarding parameter and an optimization parameter based on the type of the interest rule of the equivalent interest.

Configuring corresponding codes for the obtained calculation rules of the housing loan information, the calculation period, the starting date and the ending date of the calculation period, and specific calculation parameters such as penalty parameters, profit parameters and optimization parameters, compiling the codes to obtain corresponding code packages, performing iterative test on the code packages to obtain final code packages corresponding to the housing loan information calculation rules, compiling the final code packages into jar packages, and calling the final code packages corresponding to loan service types (housing loans) in the jar packages according to the loan service types (housing loans) in the repayment request to generate a repayment plan when the repayment request is obtained.

According to the above description, the equivalent information configures the related codes as follows:

// month limit of rotation

Integer termMonth＝transTermMonth(calculateRepayPlanDto.getTermDay())；

// monthly rate

BigDecimal monthRate＝transMonthRate(calculateRepayPlanDto.getYearRate())；

// number of days of benefit

int profitDays＝DateUtil.getBetweenDays(repayPlanPojo.getStartDate(),repayPlanPojo.getEndDate())；

// should pay for

BigDecimal preRepayFee＝calculateFee(principle,calculateRepayPlanDto.getFeeRulePojoList())；

repayPlanPojo.setPreRepayFee(preRepayFee)；

V/account charge management

BigDecimal preRepayManagementFee＝calculateManagementFee(principle,leftPrincipal,calculateRepayPlanDto.getFeeRulePojoList())；

repayPlanPojo.setPreRepayManagementFee(preRepayManagementFee)；

// account to be paid in total amount of money to be paid + interest to be paid + charge to be paid for account management

repayPlanPojo.setPreRepayAmt(periodAmt.add(preRepayFee.add(preRepayManagementFee)).setScale(2,BigDecimal.ROUND_HALF_UP))；

// the rest should be gold

repayPlanPojo.setLeftPrincipal(leftPrincipal.setScale(2,BigDecimal.ROUND_HALF_UP))；

According to the repayment plan generating method provided by the embodiment of the invention, loan business data corresponding to each loan business type are obtained, and the loan business data at least comprise repayment calculation rules; configuring a corresponding code packet for each repayment calculation rule, and performing iterative test to obtain a final code packet corresponding to each repayment calculation rule; compiling all final code packages into jar packages; obtaining a repayment request, wherein the repayment request comprises a loan service type; calling a final code packet corresponding to the loan service type in the jar packet based on the loan service type; and generating a repayment plan based on the final code packet. According to the scheme, the code packet is configured for each repayment calculation rule, the obtained final code packet is compiled into the jar packet, the repayment calculation rules can be unified by citing the jar packet, when a repayment request is obtained, the final code packet corresponding to the loan service type in the jar packet is called according to the loan service type in the repayment request, a repayment plan is generated, repayment service processing can be rapidly carried out, and therefore labor cost and time cost are reduced.

Corresponding to the method for generating a payment plan in the embodiment of the present invention, an embodiment of the present invention further provides a system for generating a payment plan, as shown in fig. 5, where the system for generating a payment plan includes: a first acquisition module 51, a configuration module 52 and a compilation module 53.

The first obtaining module 51 is configured to obtain loan transaction data corresponding to each loan transaction type, where the loan transaction data at least includes repayment calculation rules.

And the configuration module 52 is configured to configure a corresponding code packet for each repayment calculation rule, and perform an iterative test to obtain a final code packet corresponding to each repayment calculation rule.

And a compiling module 53, configured to compile all final code packages into jar packages.

It should be noted that, the specific principle and the implementation process of each module or each unit in the payment plan generating system disclosed in the embodiment of the present invention are the same as those of the payment plan generating method implemented by the present invention, and reference may be made to corresponding parts in the payment plan generating method disclosed in the embodiment of the present invention, which are not described herein again.

Based on the repayment plan generation system provided by the embodiment of the invention, loan business data corresponding to each loan business type are obtained, and the loan business data at least comprise repayment calculation rules; configuring a corresponding code packet for each repayment calculation rule, and performing iterative test to obtain a final code packet corresponding to each repayment calculation rule; compiling all final code packages into jar packages. In the scheme, the code packet is configured for each repayment calculation rule, and the obtained final code packet is compiled into the jar packet, so that the repayment calculation rules can be unified by quoting the jar packet, and the labor cost and the time cost are reduced.

Based on the payment plan generating system shown in fig. 5, in conjunction with fig. 5, as shown in fig. 6, the payment plan generating system is further provided with a second obtaining module 54, a calling module 55 and a generating module 56.

And a second obtaining module 54, configured to obtain a repayment request, where the repayment request includes the loan transaction type.

And the calling module 55 is used for calling the final code packet corresponding to the loan service type in the jar packet based on the loan service type.

And a generating module 56 for generating a repayment plan based on the final code package.

According to the repayment plan generation system provided by the embodiment of the invention, the code packet is configured for each repayment calculation rule, and the obtained final code packet is compiled into the jar packet, so that the repayment calculation rules can be unified by citing the jar packet, when a repayment request is obtained, the final code packet corresponding to the loan service type in the jar packet is called according to the loan service type in the repayment request to generate a repayment plan, the repayment service can be rapidly processed, and the labor cost and the time cost are further reduced.

Optionally, based on the configuration module 52 shown in fig. 5, the calculation rule includes an interest-counting rule, the interest-counting rule at least includes one or more of equal amount interest, equal amount principal, interest-first-second, equal ratio progressive and equal amount progressive, and the configuration module 52 further includes: a compiling unit and a testing unit.

And the compiling unit is used for compiling the codes according to the different types of the interest rules to obtain the code packets corresponding to the different types of the interest rules.

And the test unit is used for carrying out iterative test on each code packet to obtain a final code packet corresponding to each information rule.

According to the repayment plan generation system provided by the embodiment of the invention, the code packets are configured for different types of interest-counting rules to obtain the final code packet, so that repayment calculation rules can be unified, and the labor cost and the time cost are reduced.

Optionally, based on the configuration module 52 shown in fig. 5, the compiling unit further includes: the device comprises a determining unit, an obtaining unit and a compiling unit.

And the determining unit is used for determining the type of the interest-bearing rule which is compiled currently.

The obtaining unit is used for obtaining the calculation rule of the interest based on the type, the calculation period, the interest date and the termination date of the calculation period and specific calculation parameters, and the specific calculation parameters comprise a penalty parameter, a profit parameter and an optimization parameter.

And the compiling unit is used for carrying out code compiling based on the calculation rule of the interest, the calculation period, the starting date and the ending date of the calculation period and the specific calculation parameters to obtain a code packet corresponding to the interest rule.

According to the repayment plan generating system provided by the embodiment of the invention, the type of the current compiled interest rule is determined, and then codes are configured for the type of the current compiled interest rule and are compiled to obtain the code packet corresponding to the current compiled interest rule, so that the correctness of the current compiled interest rule is ensured, and the labor cost and the time cost are reduced.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the system or system embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described system and system embodiments are only illustrative, wherein the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.

Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.

The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.