WO2019144533A1 - Automatic repayment method, bank server, storage medium, and automatic repayment device - Google Patents

Abstract

The present application discloses an automatic repayment method, a bank server, a storage medium, and an automatic repayment device. In the present application, upon receipt of login information sent by a VTM, determining a corresponding user identifier according to the login information; searching, according to the user identifier, for various corresponding target card number identifiers from a card number mapping relationship, and sending the target card number identifiers to the VTM, so that the VTM acquires a card number selecting instruction inputted by a user, selects, according to the card number selecting instruction and from the target card number identifiers, a card number identifier of a card used to pay a debt, and feeds back same; extracting, from the login information, a card number identifier of a card having a due debt to pay, and binding the card number identifier of the card having a due debt to pay with the card number identifier of the card used to pay a debt, so as to perform, by means of an account corresponding to the card number identifier of the card used to pay a debt, a repayment operation on an account corresponding to the card number identifier of the card having a due debt to pay. According to the present application, the debt of the card number identifier of the card having a due debt to pay can be automatically repaid, without the need of a repayment operation performed by a user, making the user's operation more convenient, thereby solving the technical problem of an inconvenient repayment operation during repayment of a credit card.

Description

 Automatic repayment method, bank server, storage medium and automatic repayment device

This application claims the priority of the Chinese Patent Application filed on January 25, 2018, the Chinese Patent Office, the application number is 201810076641.3, and the invention name is "automatic repayment method, bank server, storage medium and automatic repayment device". The content is incorporated into the application by reference.

Technical field

The present application relates to the field of financial equipment, and more particularly to an automatic repayment method, a bank server, a storage medium, and an automatic repayment device.

Background technique

With the increasing popularity of credit cards, people are increasingly using credit cards for spending or other currency activities. However, the credit card will form a bill after spending a certain amount, and the cardholder needs to repay the loan before the specified date. If the repayment is made after the specified date, a certain interest will be charged.

However, for cardholders of credit cards, the current payment methods provided by various banking institutions are cumbersome or inconvenient. For example, counter repayment, the cardholder can go to the bank counter to let the counter staff perform the repayment operation; Cash machine (Automated Teller Machine, ATM machine) repayment, through the use of ATM machines for deposit operations to pay credit card bills; network repayment, through third-party financial instruments such as Alipay, to achieve payment for credit card bills. Obviously, the above various repayment methods require the cardholder to perform the repayment operation before or on the repayment date, which is cumbersome and troublesome. Therefore, the existing repayment method when performing credit card repayment has technical problems of inconvenience. .

Summary of the invention

The main purpose of the present application is to provide an automatic repayment method, a bank server, a storage medium, and an automatic repayment device, which are aimed at solving the technical problem of inconvenient operation of repayment when credit card repayment is performed.

To achieve the above object, the present application provides an automatic repayment method, the automatic repayment method comprising the following steps:

When receiving the login information sent by the remote video teller VTM, determining a corresponding user identifier according to the login information;

Searching, according to the user identifier, a corresponding target card number identifier in the card number mapping relationship, and sending the target card number identifier to the VTM, so that the VTM obtains a card number selection instruction input by the user, and selects an instruction according to the card number. Selecting and feeding back a repayment card number identifier from the target card number identifier, where the card number mapping relationship includes a correspondence between the user identifier and the card number identifier;

Upon receiving the repayment card number identifier, the debit card number identifier is extracted from the login information, and the debt card number identifier is bound to the repayment card number identifier to correspond to the repayment card number identifier. The account performs a repayment operation on the account corresponding to the arrears card number identifier.

In addition, in order to achieve the above object, the present application further provides a bank server, the bank server including: a memory, a processor, and an automatic repayment program running on the processor and running on the processor, the automatic The repayment program is configured to implement the steps of the automatic repayment method as described above.

In addition, in order to achieve the above object, the present application further provides a storage medium on which an automatic repayment program is stored, and when the automatic repayment program is executed by a processor, the automatic repayment method as described above is implemented. step.

In this application, the user can bind the arrears card number identifier and the repayment card number identifier through VTM, thereby realizing automatic repayment of the arrears of the arrears card number identification on the repayment date, without the user on the repayment date or The repayment operation is carried out before the payment date and the function is handled directly through the VTM, and the user operation is more convenient, thereby solving the technical problem of inconvenient operation of repayment at the time of credit card repayment.

DRAWINGS

1 is a schematic structural diagram of a bank server in a hardware operating environment involved in an embodiment of the present application;

2 is a schematic flow chart of a first embodiment of an automatic repayment method of the present application;

3 is a schematic flow chart of a second embodiment of an automatic repayment method of the present application;

4 is a schematic flow chart of a third embodiment of an automatic repayment method of the present application;

FIG. 5 is a schematic flowchart of a fourth embodiment of an automatic repayment method according to the present application; FIG.

FIG. 6 is a structural block diagram of a first embodiment of an automatic repayment device of the present application.

The implementation, functional features and advantages of the present application will be further described with reference to the accompanying drawings.

Detailed ways

It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting.

Referring to FIG. 1, FIG. 1 is a schematic structural diagram of a bank server in a hardware operating environment according to an embodiment of the present application.

As shown in FIG. 1, the bank server may include a processor 1001, such as a CPU, a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005. Among them, the communication bus 1002 is used to implement connection communication between these components. The user interface 1003 can include a display, the optional user interface 1003 can also include a standard wired interface, a wireless interface, and the wired interface to the user interface 1003 can be a USB interface in this application. The network interface 1004 can optionally include a standard wired interface, a wireless interface (such as a WI-FI interface). The memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage. The memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.

Those skilled in the art will appreciate that the structure illustrated in FIG. 1 does not constitute a limitation to a bank server, and may include more or fewer components than those illustrated, or some components may be combined, or different component arrangements.

As shown in FIG. 1, an operating system, a network communication module, a user interface module, and an automatic repayment program may be included in the memory 1005 as a computer storage medium.

In the bank server shown in FIG. 1 , the network interface 1004 is mainly used to connect to a background server to perform data communication with the background server; the user interface 1003 is mainly used to connect peripherals; and the bank server calls the memory 1005 through the processor 1001. The automatic repayment program stored in the embodiment and the automatic repayment method provided by the embodiment of the present application.

Based on the above hardware structure, an embodiment of the automatic repayment method of the present application is proposed.

Referring to FIG. 2, FIG. 2 is a schematic flowchart of a first embodiment of an automatic repayment method according to the present application.

In a first embodiment, the automatic repayment method comprises the following steps:

Step S10: When receiving the login information sent by the remote video teller VTM, determining a corresponding user identifier according to the login information;

It can be understood that the execution subject of this embodiment is a bank server. In order to realize the automatic repayment of the credit card bill, the cardholder does not have to perform the repayment operation before the repayment date or the repayment date, and the credit card account of the arrears can be bound to the bank card account with a certain amount. For the repayment date, a certain amount of bank card account with a certain amount will be automatically transferred to the credit card account of the arrears to realize automatic repayment of the credit card bill. In order to achieve the above automatic repayment effect, the user can set the "automatic repayment" in advance, for example, the user can use the remote video teller machine (Video Teller Machine (VTM) performs the "automatic repayment" setting, and after completing the setting for "automatic repayment", the repayment operation will be automatically performed every repayment date.

Step S20: Searching for the corresponding target card number identifiers in the card number mapping relationship according to the user identifier, and sending the target card number identifier to the VTM, so that the VTM obtains a card number selection instruction input by the user, according to the The card number selection instruction selects and returns a repayment card number identifier from the target card number identifier, where the card number mapping relationship includes a correspondence between the user identifier and the card number identifier;

It should be understood that the setting process of the "automatic repayment" function is specifically that the user can first perform a login operation on the VTM machine. For example, the user can insert the credit card A into the card slot of the VTM machine, and the VTM machine will read the credit card A. Take, to obtain the card number identifier 1356 of the credit card A, and at the same time, the user will input the credit card password on the VTM machine, so the login information sent to the VTM refers to the card number identifier 1356 and the credit card password. After receiving the login information sent by the VTM, the bank server can verify whether the login information can be successfully matched with the card number identifier and the credit card password stored in the user database. When the matching is successful, the corresponding user identifier can be found. The identification can be the user's identification number 111111.

In the specific implementation, after obtaining the user identifier 111111, considering that the same person may have multiple debit cards and credit cards in one bank at the same time, the bank server will pre-store the card number mapping relationship, and the card number mapping relationship is used. All bank cards under each user name are recorded in a unified manner. Therefore, the card number identifier of all the bank cards under the user name can be found by the user identifier 111111 based on the card number mapping relationship. In order to facilitate statistics, the card number identifier can be directly the card number of the bank card.

It can be understood that, since multiple card number identifiers exist in the same user's name at the same time, the user can select one card for the automatic credit repayment according to the card stock amount of each card. Therefore, the VTM machine will display the target card number identifiers, for example, 3333, 4444, and 5555. If the user selects the repayment card number identifier as 3333, the repayment card number identifier 3333 and the debt card number identifier 1356, that is, the card number of the credit card A can be displayed. The identity is bound.

Step S30: When receiving the repayment card number identifier, extract the debit card number identifier from the login information, and bind the debt card number identifier to the repayment card number identifier to pass the repayment The account corresponding to the card number identifier performs a repayment operation on the account corresponding to the arrears card number identifier.

It should be understood that the repayment card number identification 3333 is bound to the arrears card number identifier 1356 on the bank server side. When the date is the repayment date, if the credit card account 1356 identified by the debit card number has an arrears bill, The amount of the debited bill will be automatically transferred from the account of the repayment card number 3333 to the credit card account 1356 to realize automatic repayment of the credit card bill, and it is more convenient for the user to perform any repayment operation before or on the repayment date. .

In this embodiment, the user can bind the arrears card number identifier and the repayment card number identifier through the VTM, thereby realizing automatic repayment of the arrears of the arrears card number identification on the repayment date, without the user on the repayment date or The repayment operation is performed before the repayment date and the function is handled directly through the VTM, and the user operation is more convenient, thereby solving the technical problem of inconvenient operation of repayment when credit card repayment is performed.

Referring to FIG. 3, FIG. 3 is a schematic flowchart of a second embodiment of an automatic repayment method according to the present application. Based on the first embodiment shown in FIG. 2, a second embodiment of the automatic repayment method of the present application is proposed.

In the second embodiment, after the step S30, the automatic repayment method further includes:

Step S40: detecting whether the current date is a preset repayment date, and when the current date is the preset repayment date, acquiring a credit amount corresponding to the arrears card number identifier;

It can be understood that, considering that the credit card bill may have both the local currency bill and the foreign currency bill, the RMB bill is recognized as the local currency bill, wherein the foreign currency bill, such as the US dollar bill, can automatically be used for the local currency bill and the foreign currency bill in order to perform automatic repayment. For unified repayment, you can first determine whether there is a foreign currency arrears, and automatically purchase foreign exchange to achieve repayment of foreign currency arrears.

Step S50: Acquire each currency identifier corresponding to the amount of the arrears;

It should be understood that the amount of the arrears can be obtained first, and according to the currency identifier in the amount of the arrears, whether the local currency bill and the foreign currency bill are present in the credit card statement. Therefore, there may be multiple currency identifiers in the credit card's arrears. The currency identifier is used to distinguish different currencies. For example, the currency identifier may be a local currency identifier or a foreign currency identifier.

Step S60: determining whether the foreign currency identifier is included in the currency identifier. When the foreign currency identifier is included in the currency identifier, the deposit amount in the repayment account is automatically exchanged, and the foreign currency deposit after the exchange of the foreign exchange is transferred. Up to the arrears account, the automatic repayment of the foreign currency arrears of the arrears account, the repayment account corresponding to the repayment card number identifier, and the arrears account corresponding to the arrears card number identifier.

In a specific implementation, for example, the preset repayment date may be set to 15 days per month, and when the current date is 15th of the current month, the credit card 1356, that is, the arrears card number, shall be queried. If there is a debt of 100,000 RMB and USD 10,000 in the credit card 1356, due to the amount owed by the credit card 1356, the repayment of the foreign currency arrears will be given priority. Therefore, if you can purchase 10,000 US dollars according to the exchange rate of 70,000 yuan on the day, you can first take 70,000 yuan from the account of the repayment card number 3333 to purchase foreign exchange to get a deposit of 10,000 US dollars, and the 10,000 US dollars in the repayment account. The deposit is transferred to credit card 1356 to achieve a priority payment for the credit card in and out of the credit card.

In this embodiment, it is considered that there may be a foreign currency arrears in the credit card bill, and in order to realize the repayment of the foreign currency arrears, the foreign exchange can be automatically purchased to realize the repayment of the foreign currency arrears without the user having to manually exchange money and repay the money. The cumbersome operation process.

Referring to FIG. 4, FIG. 4 is a schematic flowchart of a third embodiment of an automatic repayment method according to the present application. Based on the second embodiment shown in FIG. 3, a third embodiment of the automatic repayment method of the present application is proposed.

In the third embodiment, the step S60 includes:

Step S601: determining whether the foreign currency identifier and the local currency identifier are included in the currency identifier;

It can be understood that the credit card bill may have both RMB owed money and USD owed money. In order to simultaneously cope with the simultaneous repayment of the two currencies, a preset repayment order may be set, and the preset repayment order is used to determine The order of repayment in different currencies, because the number of deposits in the account considering the repayment card number 3333 does not necessarily have the ability to pay for both currencies at the same time.

Step S602: When the foreign currency identifier and the local currency identifier are included in the currency identifier, obtain a preset repayment order;

It should be understood that, when determining the arrears of the credit card and there are two types of denominations at the same time, the preset repayment order can be read, and the preset repayment order can be determined by the user, and the user can preset the repayment order. Set to “Priority of foreign currency arrears”, that is, “repay the foreign currency in arrears and repay the debt in the local currency”, or set it as “the priority of the local currency arrears”, that is, “repay the outstanding amount of the local currency and then repay the foreign currency arrears”.

Step S603: When the preset repayment order is prior to the foreign currency arrears priority, the deposit amount in the repayment account is automatically exchanged, and the exchanged foreign currency deposit is transferred to the arrears account to The foreign currency arrears of the account are automatically repaid;

Understandably, if set to "foreign currency arrears priority", credit card 1356 has a debt of 100,000 yuan and 10,000 US dollars, and the account of the repayment card number 3333 has a deposit of 80,000 yuan. If the exchange rate of the day is 70,000 yuan and you can purchase 10,000 US dollars, you will first purchase 70,000 RMB in the repayment account to obtain the US$10,000 deposit, and transfer the US$10,000 deposit in the repayment account to the credit card. 1356 to achieve priority payment for credit card domestic and foreign currency arrears.

Step S604: After the automatic repayment of the foreign currency arrears, the remaining deposit amount in the repayment account is transferred to the arrears account to automatically repay the local currency arrears of the arrears account.

It should be understood that after the repayment account has completed the repayment of the foreign currency arrears of the arrears account, the repayment account will have a deposit of 10,000 RMB. Since the remaining deposit is insufficient to pay the arrears of RMB 100,000, it will only be completed. For repayment of foreign currency arrears, due to the inability to repay the outstanding amount of the local currency, you can query the corresponding user contact information, such as the mobile phone number or email address, according to the user ID, to send the prompt information to the user according to the user contact information. To prompt the user for the current repayment progress.

Of course, if the remaining deposit in the repayment account is sufficient to pay the amount owed in the local currency, the loan can be automatically repaid.

In this embodiment, by setting a preset repayment order, the user can freely select the repayment priority of the arrears of different currencies, so that the user can perform automatic repayment more flexibly. Moreover, considering that the amount of arrears in different currencies may be different, by setting the priority, flexible repayment can be made for the amount of the arrears, which is beneficial to the user to manage the personal financial situation.

Referring to FIG. 5, FIG. 5 is a schematic flowchart of a fourth embodiment of an automatic repayment method according to the present application. Based on the third embodiment shown in FIG. 4 above, a fourth embodiment of the automatic repayment method of the present application is proposed.

In the fourth embodiment, the step S603 includes:

Step S603': when the preset repayment order is prior to the foreign currency arrears priority, obtain the current exchange rate, and determine whether the current exchange rate is within the preset exchange rate range, and the current exchange rate is within the preset exchange rate range. At the time, the deposit amount in the repayment account is automatically exchanged according to the exchange rate of the current day, and the foreign currency deposit after the exchange of the foreign exchange is transferred to the arrears account to automatically repay the foreign currency arrears of the arrears account.

Understandably, when there is a foreign currency arrears in the credit card account, in consideration of foreign currency repayment, the RMB is first converted into US dollars according to the current exchange rate, and then the repayment operation is performed. However, there is a certain volatility in the exchange rate. Therefore, an exchange rate range acceptable to the user can be set. When the exchange rate falls within the preset exchange rate range, the foreign currency repayment operation will be performed. Otherwise, the foreign currency repayment operation will not be performed. In order to prompt the user to make manual repayments, thereby reducing the risk of excessive exchange rate when the automatic repayment is too low.

In the specific implementation, for example, if the exchange rate of the day is 0.15, the default exchange rate ranges from 0.11 to 0.17, and since the exchange rate falls within the preset exchange rate range, the automatic repayment of the foreign currency arrears can be made.

Further, before the step S603′, the automatic repayment method may further include: querying, from a historical foreign currency repayment record, a historical exchange rate at the time of the last repayment of the remittance, and generating a preset exchange rate range based on the historical exchange rate. .

In a specific implementation, the determination of the preset exchange rate range may be manually set by the user on the VTM side, or may be determined by a historical exchange rate. For example, if the user exchanged foreign currency at the previous month, the exchange rate was 0.16. Since the repayment was made last month, the user can assume that the historical exchange rate is 0.16, and the default exchange rate can be generated based on the exchange rate of 0.16. range. Wherein, the preset exchange rate range may be an exchange rate range including a historical exchange rate, for example, the preset exchange rate range may be an exchange rate range determined by a historical exchange rate as a median, for example, a median of 0.16, a preset exchange rate The range can range from 0.14 to 0.18.

Further, after the step S601, the automatic repayment method may further include:

When the foreign currency identifier and the local currency identifier are included in the currency identifier, the local currency deposit quota of the repayment account is obtained, and the amount of the local currency owed and the foreign currency owed amount of the debt account are obtained;

Understandably, when a credit card is in arrears and there is a foreign currency arrears and a local currency arrears, not only can the foreign currency and the local currency be repaid in the order of the default repayment, but also the first deposit can be judged. Also this type of arrears.

In the specific implementation, for example, the repayment account has a local currency deposit amount of RMB 70,000, while the arrears account has a local currency arrears of RMB 40,000 and the foreign currency arrears of USD 20,000.

Obtaining the exchange rate of the current day, converting the local currency deposit amount into a foreign currency deposit amount according to the current exchange rate, and comparing the foreign currency deposit amount with the foreign currency arrearage amount;

Understandably, if you can buy 10,000 US dollars according to the exchange rate of the day, and the local currency deposit amount is only 70,000 yuan, the converted foreign currency deposit amount is 10,000 US dollars, but the foreign currency arrears amount is 20,000. The US dollar, therefore, cannot fully repay the foreign currency arrears in the arrears account.

When the foreign currency deposit amount is less than the foreign currency arrearage amount, comparing the local currency deposit amount with the local currency arrearage amount;

It should be understood that in consideration of the arrears that can be repaid in priority, the amount of the local currency deposit of RMB 70,000 can be compared with the amount owed by the local currency of RMB 40,000.

When the local currency deposit amount is greater than or equal to the local currency arrears amount, the deposit amount in the repayment account is transferred to the arrears account to automatically repay the local currency arrears of the arrears account.

In the specific implementation, since the local currency deposit amount of RMB 70,000 is greater than the amount of the local currency owed by RMB 40,000, the local currency can be paid off. Therefore, the RMB 40,000 in the repayment account can be transferred to the arrears account. Qingyuan currency is owed. Since only the foreign currency is owed, the contact information corresponding to the user ID can be queried, and the user is prompted to pay the foreign currency owed according to the contact information.

Further, after the step S30, the automatic repayment method may further include: detecting whether the current date is a preset repayment date, and reading the preset when the current date is the preset repayment date The payment method determines the corresponding repayment amount according to the preset repayment method, and transfers the repayment amount in the repayment account to the arrears account, so as to perform the repayment amount according to the repayment amount And the repayment account corresponds to the repayment card number identifier, and the arrears account corresponds to the arrears card number identifier.

Understandably, at the time of repayment, the bank can generally provide two types of repayments, full repayment and minimum repayment. The minimum repayment is usually 10% of the full repayment. In order to facilitate the user to repay, a variety of repayment amounts can be provided for the user to select, for example, full repayment, 80% of full repayment, 50% of full repayment, 30% of full repayment and The minimum amount of repayments, etc. When setting the automatic repayment, the user can select a repayment method as the preset repayment method, so as to calculate the default percentage of the amount owed when the automatic repayment operation is actually performed, thereby determining the repayment amount to realize The amount of the repayment. Therefore, the embodiment can provide a plurality of repayment amounts, so that the user can perform automatic repayment more flexibly.

Further, the step S20 may include: when receiving the bank selection instruction sent by the VTM, determining a corresponding inter-bank server according to the bank selection instruction, and sending the user identifier to the inter-bank server, so as to enable The inter-row server queries the corresponding target card number identifier according to the user identifier in the cross-line user information stored locally, and feeds back the target card number identifier; and when the target card number identifier is received, sends the target to the VTM The card number is marked, so that the VTM obtains a card number selection instruction input by the user, and selects and returns a repayment card number identifier from the target card number identifier according to the card number selection instruction.

It can be understood that, generally, when the arrears card number identifier and the repayment card number identifier are bound, the debit card of the bank is used to bind the credit card to perform credit card repayment. However, this embodiment also provides a way to bind the bank's arrears card number to the bank's repayment card number to repay the bank's arrears.

In a specific implementation, the user can log in the bank card A's arrears card number 1234 on the VTM machine, but the user wants to bind the arrears card number 1234 to the bank B card number 6789 to realize that when the arrears card number 1234 is in arrears The repayment operation is actively carried out by the card number 6789. Of course, in order to ensure the security of use, Bank A's arrears card number 1234 and Bank B's repayment card number 6789 may both be the same person's card, indicating that the user IDs of the two are the same, and the user ID may be the user's ID number.

It should be understood that after the bank server determines the user ID of the user, the user ID can be sent to the inter-bank server to query the card number of the user at the other bank. The cross-line user information is used to record the card number identifier of the bank card handled by the user at another bank. The VTM displays the card number identifiers that the user handles at other banks. The user can select one card number identifier as the card number to be bound with the bank card A's arrears card number 1234, so as to realize automatic transfer from the account number selected by the user. In order to realize the repayment of the arrears card number 1234, automatic repayment of the inter-bank is realized.

In this embodiment, by setting a preset exchange rate range, it is possible to judge the repayment operation of the foreign currency arrears according to whether the exchange rate of the current day falls within the preset exchange rate range, thereby reducing the repayment risk.

In addition, the embodiment of the present application further provides a storage medium, where the automatic repayment program is stored, and the automatic repayment program is executed by the processor to implement the steps of the automatic repayment method as described above.

In addition, referring to FIG. 6, the embodiment of the present application further provides an automatic repayment device, which includes: a user login module 10, an identifier query module 20, and a repayment binding module 30;

The user login module 10 is configured to determine, according to the login information, a corresponding user identifier when receiving the login information sent by the remote video teller VTM;

The identifier querying module 20 is configured to find a corresponding target card number identifier in the card number mapping relationship according to the user identifier, and send the target card number identifier to the VTM, so that the VTM obtains the card number input by the user. Selecting an instruction, selecting, according to the card number selection instruction, the feedback card number identifier from the target card number identifier, where the card number mapping relationship includes a correspondence between the user identifier and the card number identifier;

The repayment binding module 30 is configured to: when receiving the repayment card number identifier, extract an arrears card number identifier from the login information, and bind the debt card number identifier to the repayment card number identifier And determining, by the account corresponding to the repayment card number, performing a repayment operation on the account corresponding to the arrears card number identifier.

It is to be understood that the term "comprises", "comprising", or any other variants thereof, is intended to encompass a non-exclusive inclusion, such that a process, method, article, or It also includes other elements that are not explicitly listed, or elements that are inherent to such a process, method, item, or system. An element defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in a process, method, article, or system that includes the element, without further limitation.

The serial numbers of the embodiments of the present application are merely for the description, and do not represent the advantages and disadvantages of the embodiments. The use of the terms first, second, and third, etc., does not denote any order, and these words may be interpreted as names.

Those skilled in the art can clearly understand the above by the description of the above embodiments. The embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course Hardware, but in many cases the former is a better implementation. Based on such understanding, the technical solution of the present application may be in the form of a software product in essence or in part contributing to the prior art. Now, the computer software product is stored in a storage medium (such as ROM/RAM, disk, CD), and includes a plurality of instructions for making a terminal device (which may be a mobile phone, a computer, a bank server, an air conditioner, or a network). The device or the like) performs the methods described in the various embodiments of the present application.

The above is only a preferred embodiment of the present application, and is not intended to limit the scope of the patent application, and the equivalent structure or equivalent process transformations made by the specification and the drawings of the present application, or directly or indirectly applied to other related technical fields. The same is included in the scope of patent protection of this application.

Claims (20)

 An automatic repayment method, wherein the automatic repayment method comprises the following steps: When receiving the login information sent by the remote video teller VTM, determining a corresponding user identifier according to the login information; Searching, according to the user identifier, a corresponding target card number identifier in the card number mapping relationship, and sending the target card number identifier to the VTM, so that the VTM obtains a card number selection instruction input by the user, and selects an instruction according to the card number. Selecting and feeding back a repayment card number identifier from the target card number identifier, where the card number mapping relationship includes a correspondence between the user identifier and the card number identifier; Upon receiving the repayment card number identifier, the debit card number identifier is extracted from the login information, and the debt card number identifier is bound to the repayment card number identifier to correspond to the repayment card number identifier. The account performs a repayment operation on the account corresponding to the arrears card number identifier. The automatic repayment method according to claim 1, wherein, when receiving the repayment card number identifier, extracting an arrears card number identifier from the login information, and identifying the debt card number and the After the card number identifier is bound to perform the repayment operation on the account corresponding to the debt card number identifier by the account corresponding to the repayment card number, the automatic repayment method further includes: Detecting whether the current date is a preset repayment date, and when the current date is the preset repayment date, acquiring a owed amount corresponding to the arrears card number identifier; Obtaining respective currency identifiers corresponding to the amount of the arrears; Determining whether the foreign currency identifier is included in the currency identifier, and when the foreign currency identifier is included in the currency identifier, automatically changing the deposit amount in the repayment account, and transferring the foreign currency deposit after the exchange of the exchange to the arrears The account automatically repays the foreign currency arrears of the arrears account, the repayment account corresponding to the repayment card number identifier, and the arrears account corresponding to the arrears card number identifier. The automatic repayment method according to claim 2, wherein said determining whether said currency type identifier includes a foreign currency identification, and when said foreign currency identification is included in said currency identification, said deposit amount in said repayment account Automatically exchange foreign exchange, transfer foreign currency deposits after exchange of funds to the arrears account, to automatically repay the foreign currency arrears of the arrears account, including: Determining whether the foreign currency identifier and the local currency identifier are included in the currency identifier; Obtaining a preset repayment order when the foreign currency identifier and the local currency identifier are included in the currency identifier; When the preset repayment order is prioritized for the foreign currency arrears, the deposit amount in the repayment account is automatically exchanged, and the exchanged foreign currency deposit is transferred to the arrears account to the foreign currency of the arrears account. Automatic payment of arrears; After the automatic repayment of the foreign currency arrears, the remaining deposit amount in the repayment account is transferred to the arrears account to automatically repay the local currency arrears of the arrears account. The automatic repayment method according to claim 3, wherein said deposit amount in the repayment account is automatically exchanged when the preset repayment order is prior to the foreign currency arrears, and the exchanged foreign currency is exchanged. The deposit is transferred to the arrears account to automatically repay the foreign currency arrears of the arrears account, including: When the preset repayment order is prior to the foreign currency arrears priority, obtaining the current exchange rate, and determining whether the current exchange rate is within the preset exchange rate range, and when the current exchange rate is within the preset exchange rate range, The deposit amount in the account is automatically exchanged according to the exchange rate of the day, and the foreign currency deposit after the exchange of funds is transferred to the arrears account to automatically repay the foreign currency arrears of the arrears account. The automatic repayment method according to claim 4, wherein, when the preset repayment order is a foreign currency default, the current exchange rate is obtained, and it is determined whether the current exchange rate is within a preset exchange rate range, When the current exchange rate is within the preset exchange rate range, the deposit amount in the repayment account is automatically exchanged, and the exchanged foreign currency deposit is transferred to the arrears account, so as to owe the foreign currency of the arrears account. Before the automatic repayment, the automatic repayment method further includes: The historical foreign exchange repayment record is used to query the historical exchange rate at the time of the last repayment of the exchange, and a preset exchange rate range is generated based on the historical exchange rate. The automatic repayment method according to claim 3, wherein after the determining whether the foreign currency identification and the local currency identification are included in the denomination identification, the automatic repayment method further comprises: When the foreign currency identifier and the local currency identifier are included in the currency identifier, the local currency deposit quota of the repayment account is obtained, and the amount of the local currency owed and the foreign currency owed amount of the debt account are obtained; Obtaining the exchange rate of the current day, converting the local currency deposit amount into a foreign currency deposit amount according to the current exchange rate, and comparing the foreign currency deposit amount with the foreign currency arrearage amount; When the foreign currency deposit amount is less than the foreign currency arrearage amount, comparing the local currency deposit amount with the local currency arrearage amount; When the local currency deposit amount is greater than or equal to the local currency arrears amount, the deposit amount in the repayment account is transferred to the arrears account to automatically repay the local currency arrears of the arrears account. The automatic repayment method according to claim 1, wherein, when receiving the repayment card number identifier, extracting an arrears card number identifier from the login information, and identifying the debt card number and the After the card number identifier is bound to perform the repayment operation on the account corresponding to the debt card number identifier by the account corresponding to the repayment card number, the automatic repayment method further includes: Detecting whether the current date is a preset repayment date, and when the current date is the preset repayment date, reading a preset repayment method, and determining a corresponding repayment amount according to the preset repayment method, The repayment amount in the repayment account is transferred to the arrears account for repayment according to the repayment amount through the arrears account, and the repayment account corresponds to the repayment card number identifier, and the owed The account corresponds to the arrears card number identifier. A bank server, wherein the bank server comprises: a memory, a processor, and a memory stored on the processor and capable of running an automatic repayment program on the processor, the automatic repayment program being executed by the processor The following steps are implemented: When receiving the login information sent by the remote video teller VTM, determining a corresponding user identifier according to the login information; Searching, according to the user identifier, a corresponding target card number identifier in the card number mapping relationship, and sending the target card number identifier to the VTM, so that the VTM obtains a card number selection instruction input by the user, and selects an instruction according to the card number. Selecting and feeding back a repayment card number identifier from the target card number identifier, where the card number mapping relationship includes a correspondence between the user identifier and the card number identifier; Upon receiving the repayment card number identifier, the debit card number identifier is extracted from the login information, and the debt card number identifier is bound to the repayment card number identifier to correspond to the repayment card number identifier. The account performs a repayment operation on the account corresponding to the arrears card number identifier. The bank server according to claim 8, wherein said automatic repayment program is configured to implement the following steps: Detecting whether the current date is a preset repayment date, and when the current date is the preset repayment date, acquiring a owed amount corresponding to the arrears card number identifier; Obtaining respective currency identifiers corresponding to the amount of the arrears; Determining whether the foreign currency identifier is included in the currency identifier, and when the foreign currency identifier is included in the currency identifier, automatically changing the deposit amount in the repayment account, and transferring the foreign currency deposit after the exchange of the exchange to the arrears The account automatically repays the foreign currency arrears of the arrears account, the repayment account corresponding to the repayment card number identifier, and the arrears account corresponding to the arrears card number identifier. The bank server according to claim 9, wherein said automatic repayment program is configured to implement the following steps: Determining whether the foreign currency identifier and the local currency identifier are included in the currency identifier; Obtaining a preset repayment order when the foreign currency identifier and the local currency identifier are included in the currency identifier; When the preset repayment order is prioritized for the foreign currency arrears, the deposit amount in the repayment account is automatically exchanged, and the exchanged foreign currency deposit is transferred to the arrears account to the foreign currency of the arrears account. Automatic payment of arrears; After the automatic repayment of the foreign currency arrears, the remaining deposit amount in the repayment account is transferred to the arrears account to automatically repay the local currency arrears of the arrears account. The bank server according to claim 10, wherein said automatic repayment program is configured to implement the following steps: When the preset repayment order is prior to the foreign currency arrears priority, obtaining the current exchange rate, and determining whether the current exchange rate is within the preset exchange rate range, and when the current exchange rate is within the preset exchange rate range, The deposit amount in the account is automatically exchanged according to the exchange rate of the day, and the foreign currency deposit after the exchange of funds is transferred to the arrears account to automatically repay the foreign currency arrears of the arrears account. The bank server according to claim 11, wherein said automatic repayment program is configured to implement the following steps: The historical foreign exchange repayment record is used to query the historical exchange rate at the time of the last repayment of the exchange, and a preset exchange rate range is generated based on the historical exchange rate. The bank server according to claim 10, wherein said automatic repayment program is configured to implement the following steps: When the foreign currency identifier and the local currency identifier are included in the currency identifier, the local currency deposit quota of the repayment account is obtained, and the amount of the local currency owed and the foreign currency owed amount of the debt account are obtained; Obtaining the exchange rate of the current day, converting the local currency deposit amount into a foreign currency deposit amount according to the current exchange rate, and comparing the foreign currency deposit amount with the foreign currency arrearage amount; When the foreign currency deposit amount is less than the foreign currency arrearage amount, comparing the local currency deposit amount with the local currency arrearage amount; When the local currency deposit amount is greater than or equal to the local currency arrears amount, the deposit amount in the repayment account is transferred to the arrears account to automatically repay the local currency arrears of the arrears account. A storage medium, wherein an automatic repayment program is stored on the storage medium, and the automatic repayment program is executed by the processor to implement the following steps: When receiving the login information sent by the remote video teller VTM, determining a corresponding user identifier according to the login information; Searching, according to the user identifier, a corresponding target card number identifier in the card number mapping relationship, and sending the target card number identifier to the VTM, so that the VTM obtains a card number selection instruction input by the user, and selects an instruction according to the card number. Selecting and feeding back a repayment card number identifier from the target card number identifier, where the card number mapping relationship includes a correspondence between the user identifier and the card number identifier; Upon receiving the repayment card number identifier, the debit card number identifier is extracted from the login information, and the debt card number identifier is bound to the repayment card number identifier to correspond to the repayment card number identifier. The account performs a repayment operation on the account corresponding to the arrears card number identifier. The storage medium of claim 14, wherein the automatic repayment program is executed by the processor to implement the following steps: Detecting whether the current date is a preset repayment date, and when the current date is the preset repayment date, acquiring a owed amount corresponding to the arrears card number identifier; Obtaining respective currency identifiers corresponding to the amount of the arrears; Determining whether the foreign currency identifier is included in the currency identifier, and when the foreign currency identifier is included in the currency identifier, automatically changing the deposit amount in the repayment account, and transferring the foreign currency deposit after the exchange of the exchange to the arrears The account automatically repays the foreign currency arrears of the arrears account, the repayment account corresponding to the repayment card number identifier, and the arrears account corresponding to the arrears card number identifier. The storage medium of claim 15, wherein the automatic repayment program is executed by the processor to implement the following steps: Determining whether the foreign currency identifier and the local currency identifier are included in the currency identifier; Obtaining a preset repayment order when the foreign currency identifier and the local currency identifier are included in the currency identifier; When the preset repayment order is prioritized for the foreign currency arrears, the deposit amount in the repayment account is automatically exchanged, and the exchanged foreign currency deposit is transferred to the arrears account to the foreign currency of the arrears account. Automatic payment of arrears; After the automatic repayment of the foreign currency arrears, the remaining deposit amount in the repayment account is transferred to the arrears account to automatically repay the local currency arrears of the arrears account. The storage medium of claim 16, wherein the automatic repayment program is executed by the processor to implement the following steps: When the preset repayment order is prior to the foreign currency arrears priority, obtaining the current exchange rate, and determining whether the current exchange rate is within the preset exchange rate range, and when the current exchange rate is within the preset exchange rate range, The deposit amount in the account is automatically exchanged according to the exchange rate of the day, and the foreign currency deposit after the exchange of funds is transferred to the arrears account to automatically repay the foreign currency arrears of the arrears account. The storage medium of claim 17, wherein the automatic repayment program is executed by the processor to implement the following steps: The historical foreign exchange repayment record is used to query the historical exchange rate at the time of the last repayment of the exchange, and a preset exchange rate range is generated based on the historical exchange rate. The storage medium of claim 16, wherein the automatic repayment program is executed by the processor to implement the following steps: When the foreign currency identifier and the local currency identifier are included in the currency identifier, the local currency deposit quota of the repayment account is obtained, and the amount of the local currency owed and the foreign currency owed amount of the debt account are obtained; Obtaining the exchange rate of the current day, converting the local currency deposit amount into a foreign currency deposit amount according to the current exchange rate, and comparing the foreign currency deposit amount with the foreign currency arrearage amount; When the foreign currency deposit amount is less than the foreign currency arrearage amount, comparing the local currency deposit amount with the local currency arrearage amount; When the local currency deposit amount is greater than or equal to the local currency arrears amount, the deposit amount in the repayment account is transferred to the arrears account to automatically repay the local currency arrears of the arrears account. An automatic repayment device, wherein the automatic repayment device comprises: a user login module, an identification query module and a repayment binding module; The user login module is configured to determine, according to the login information, a corresponding user identifier when receiving the login information sent by the remote video teller VTM; The identifier querying module is configured to search for a corresponding target card number identifier in the card number mapping relationship according to the user identifier, and send the target card number identifier to the VTM, so that the VTM obtains a card number input by the user. And instructing, according to the card number selection instruction, to select and feed back a repayment card number identifier from the target card number identifier, where the card number mapping relationship includes a correspondence between the user identifier and the card number identifier; The repayment binding module is configured to: when receiving the repayment card number identifier, extract an arrears card number identifier from the login information, and bind the debt card number identifier to the repayment card number identifier And performing a repayment operation on the account corresponding to the arrears card number identifier by using the account corresponding to the repayment card number identifier.