CN114219603A

CN114219603A - Lubrication dividing method, device, storage medium and computer equipment

Info

Publication number: CN114219603A
Application number: CN202111316159.0A
Authority: CN
Inventors: 梁景辉
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-11-08
Filing date: 2021-11-08
Publication date: 2022-03-22

Abstract

The disclosure relates to a lubrication method, a lubrication device, a storage medium and a computer device. Wherein the method comprises the following steps: acquiring contract data between a lender and a partner; determining a moisturizing period of the partner according to the contract data; acquiring the amount of interest paid by the borrower in each divided wetting period; acquiring the rating rate of the partner in each rating period; according to the paid amount and the differentiated rate, obtaining the payment amount which the lender needs to be differentiated to the partner in each differentiated period; and distributing the payment amount of each divided and moistened cycle to the partner at regular time. The method and the device can solve the problem that the efficiency of the bank moistening operation in the related technology is low.

Description

Lubrication dividing method, device, storage medium and computer equipment

Technical Field

The present disclosure relates to the field of artificial intelligence recognition and classification technologies, and in particular, to a method and an apparatus for separating moisture, a storage medium, and a computer device.

Background

In the related technology, in order to support the trend of consumption upgrading and the development of the field of consumption circulation, the bank provides ecological chain fast credit business. The loan business ecological chain fast loan business is characterized in that loan clients are guided to banks through the cooperation parties, the banks and the cooperation parties jointly develop loan business, and the banks pay intermediary fees to the cooperation parties at one time. If the loan transaction is overdue, settled in advance and the like, the loan transaction does not withdraw enough interest, and the intermediary fee paid once cannot be recovered, so that the financial loss of the bank is caused twice, and the bank benefit is not met. Therefore, the bank needs to sign a cooperation contract with the partner, agree with information such as the period frequency of the divided and moistened rate and the like, and divide and moisten according to the contract stages. Therefore, how to improve the lubrication efficiency becomes a problem to be solved urgently.

Disclosure of Invention

The disclosure provides a moisturizing method, a moisturizing device, a storage medium and computer equipment, which are used for at least solving the problem that the efficiency of moisturizing operation of banks in the related art is low. The technical scheme of the disclosure is as follows:

according to a first aspect of the embodiments of the present disclosure, there is provided a method for moistening, including:

acquiring contract data between a lender and a partner;

determining a moisturizing period of the partner according to the contract data;

acquiring the amount of interest paid by the borrower in each divided wetting period;

acquiring the rating rate of the partner in each rating period;

according to the paid amount and the differentiated rate, obtaining the payment amount which the lender needs to be differentiated to the partner in each differentiated period;

and distributing the payment amount of each divided and moistened cycle to the partner at regular time.

According to one embodiment of the present disclosure, the obtaining of the amount of interest paid by the borrower in each of the dispensing cycles includes:

aiming at the current lubrication division period, determining a corresponding lubrication division payment day according to the current lubrication division period;

acquiring a first total amount of interest paid by the borrower within a first time period from the account opening date of the borrower to a moisturizing payment date corresponding to the last moisturizing period;

acquiring a second total interest paid amount of the borrower within a second time period from the account opening date of the borrower to the moisturizing payment date corresponding to the current moisturizing cycle;

and acquiring the amount of the interest paid by the borrower in the current earmarking period according to the first total amount of the interest paid and the second total amount of the interest paid.

According to one embodiment of the present disclosure, the timing of the allocation of the payment amounts of the respective wetting cycles to the partners comprises:

determining a collaboration start date and a collaboration expiration date of the lender and the collaborator according to the contract data;

when the corresponding sub-moisturizing payment day is reached and the corresponding sub-moisturizing payment day is in an effective state, distributing the payment amount of the current sub-moisturizing cycle to the partner;

wherein the effective state of the divided moistening payment day is as follows: the cooperation starting date is less than or equal to the divided payment date and less than the cooperation failure date.

According to an embodiment of the present disclosure, the determining a corresponding moisturizing payment day according to the current moisturizing cycle includes:

determining the account opening date of the borrower;

and determining a corresponding sub-wetting payment day according to the current sub-wetting period and the account opening date.

According to one embodiment of the present disclosure, the current run-out period corresponds to a plurality of payment amounts; the allocating the payment amount of the current moisturizing cycle to the partner comprises:

summing the multiple payment amounts of the current differentiated wetting period to obtain the total payment amount of the current differentiated wetting period;

and distributing the total payment amount of the current moistening period to the partner.

According to an embodiment of the present disclosure, further comprising:

responding to an account opening operation of a new borrower, and determining a first cooperative party corresponding to the new borrower;

determining a first moistening period of the first partner according to first contract data between the first partner and the first partner;

determining a plurality of first moisturizing payment days of the first partner according to the account opening date of the new borrower and the first moisturizing period;

determining a first payment amount to be credited by said lender to said first party on each of said first credentialing payment days;

and distributing the corresponding first payment amount to the first partner on each first moist payment day.

According to an embodiment of the present disclosure, further comprising:

acquiring payment detail data of the lender;

extracting the payment detail data based on a first extraction rule to obtain debit account data;

extracting the payment detail data based on a second detail extraction rule to obtain credit transfer data;

and performing tie account processing based on the debit account data and the credit transfer data.

According to one embodiment of the present disclosure, the determining the wetting cycle of the partner according to the contract data includes:

determining a frequency of partial wetting according to the contract data;

determining a coefficient of the damping frequency according to the contract data;

and determining the partial wetting period according to the frequency and the frequency coefficient.

According to a second aspect of embodiments of the present disclosure, there is provided a dispensing device comprising:

the first acquisition module is used for acquiring contract data between a loan party and a partner;

a first determining module, configured to determine a moisturizing cycle of the partner according to the contract data;

the second acquisition module is used for acquiring the amount of interest paid by the borrower in each divided and moist cycle;

a third obtaining module, configured to obtain the rating of the partner in each rating period;

a fourth obtaining module, configured to obtain, according to the amount of interest paid and the differentiated rate, a payment amount that the lender needs to be differentiated to the partner in each differentiated period;

and the sub-wetting module is used for distributing the payment amount of each sub-wetting period to the cooperative party at regular time.

According to an embodiment of the present disclosure, the second obtaining module includes:

the first determining submodule is used for determining a corresponding sub-moistening payment day according to the current sub-moistening period aiming at the current sub-moistening period;

the first obtaining submodule is used for obtaining a first total amount of interest paid by the borrower in a first time period, wherein the first time period is from the account opening date of the borrower to the moisturizing payment date corresponding to the last moisturizing period;

a second obtaining sub-module, configured to obtain a second total interest amount paid by the borrower within a second time period, where the second time period is from an account opening date of the borrower to a moisturizing payment day corresponding to the current moisturizing cycle;

and a third obtaining sub-module, configured to obtain the amount of interest paid by the borrower in the current earning cycle according to the first total amount of interest paid and the second total amount of interest paid.

According to an embodiment of the present disclosure, the moistening module includes:

a second determining submodule, configured to determine a collaboration start date and a collaboration expiration date of the lender and the collaborator according to the contract data;

a third determining submodule, configured to determine, for a current lubrication division period, a corresponding lubrication division payment day according to the current lubrication division period;

the distributing submodule is used for distributing the payment amount of the current sub-lubricating period to the partner when the corresponding sub-lubricating payment day is reached and is in an effective state;

a first determination unit for determining the account opening date of the borrower;

and the second determining unit is used for determining the corresponding moisturizing payment day according to the current moisturizing period and the account opening date.

According to one embodiment of the present disclosure, the current run-out period corresponds to a plurality of payment amounts; the distribution submodule includes:

the summing unit is used for summing the multiple payment amounts in the current moistening cycle to obtain the total payment amount in the current moistening cycle;

and the distribution unit is used for distributing the total payment amount of the current moistening period to the partner.

According to an embodiment of the present disclosure, further comprising:

the second determination module is used for responding to the account opening operation of a new borrower and determining a first cooperative party corresponding to the new borrower;

a third determining module, configured to determine a first moisturizing cycle of the first partner according to first contract data with the first partner;

a fourth determining module, configured to determine a plurality of first moisturizing payment days of the first partner according to the account opening date of the new borrower and the first moisturizing period;

a fifth determining module, configured to determine a first payment amount that the lender needs to be differentiated to the first partner at each first differentiated payment day;

and the distribution module is used for distributing the corresponding first payment amount to the first partner on each first moistening payment day.

According to an embodiment of the present disclosure, further comprising:

the fifth acquisition module is used for acquiring payment detail data of the lender;

the first extraction module is used for extracting the payment detail data based on a first extraction rule to obtain debit account data;

the second extraction module is used for extracting the payment detail data based on a second detail extraction rule to obtain credit transfer data;

and the account leveling module is used for performing account leveling processing based on the debit account data and the credit transfer data.

According to an embodiment of the present disclosure, the first determining module includes:

a sixth determining module, configured to determine a frequency of the partial wetting according to the contract data;

a seventh determining module, configured to determine a coefficient of the break-even frequency according to the contract data;

and the eighth determining module is used for determining the partial wetting period according to the frequency and the frequency coefficient.

According to a third aspect of embodiments of the present disclosure, there is provided a storage medium having instructions that, when executed by a processor of a computer device, enable the computer device to perform the method of triaging as described in the first aspect.

According to a fourth aspect of the embodiments of the present disclosure, there is provided a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor implements the lubrication method of the first aspect when executing the computer program.

The technical scheme provided by the embodiment of the disclosure at least brings the following beneficial effects:

the method comprises the steps of obtaining contract data between a lender and a partner, determining a sub-wetting period for the lender to perform sub-wetting on the partner, and calculating the payment amount which the lender needs to sub-wet the partner in each sub-wetting period according to the amount of interest paid by the lender in each sub-wetting period and the sub-wetting rate of the partner in each sub-wetting period, so that the accuracy of calculation of the payment amount is improved, and the distribution efficiency of profits is obviously improved. In addition, the payment amount of each moistening period is distributed to the cooperation party at regular time, so that the punctuality of profit distribution is improved. In addition, the multiple payment amounts in the current lubrication division period are summed to obtain the total payment amount in the current lubrication division period, the multiple payment amounts in the current lubrication division period are distributed to the cooperation party according to the total payment amount, the multiple payment amounts in the current lubrication division period are collected and distributed to the cooperation party at one time, and therefore the effects of reducing distribution times and improving lubrication division efficiency are achieved.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and, together with the description, serve to explain the principles of the disclosure and are not to be construed as limiting the disclosure.

FIG. 1 is a flow chart illustrating a method of moistening according to a first embodiment of the present disclosure;

FIG. 2 is a flow chart illustrating a method of moistening according to a second embodiment of the present disclosure;

FIG. 3 is a flow chart illustrating a method of moistening according to a third embodiment of the present disclosure;

FIG. 4 is a flow chart illustrating a method of moistening according to a fourth embodiment of the present disclosure;

FIG. 5 is a flow chart illustrating a method of moistening according to a fifth embodiment of the present disclosure;

FIG. 6 is a flow chart illustrating a method of moistening according to a sixth embodiment of the present disclosure;

FIG. 7 is a flow chart illustrating a method of moistening according to a seventh embodiment of the present disclosure;

FIG. 8 is a flow chart illustrating a method of moistening according to an eighth embodiment of the present disclosure;

FIG. 9 is a flow chart illustrating a method of dispensing in accordance with a ninth embodiment of the present disclosure;

fig. 10 is a block diagram illustrating a component damping device according to a tenth embodiment of the present disclosure;

FIG. 11 is a block diagram illustrating a computer device according to an embodiment of the present disclosure.

Detailed Description

In order to make the technical solutions of the present disclosure better understood by those of ordinary skill in the art, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below with reference to the accompanying drawings.

It should be noted that the terms "first," "second," and the like in the description and claims of the present disclosure and in the above-described drawings are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the disclosure described herein are capable of operation in sequences other than those illustrated or otherwise described herein. The implementations described in the exemplary embodiments below are not intended to represent all implementations consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present disclosure, as detailed in the appended claims.

It should be noted that, in the related art, in order to support the trend of consumer upgrade and the development of consumer circulation field, the bank has introduced the ecological chain fast loan business. The loan business ecological chain fast loan business is characterized in that loan clients are guided to banks through the cooperation parties, the banks and the cooperation parties jointly develop loan business, and the banks pay the intermediary fees to the cooperation parties at one time. If the loan transaction is overdue, settled in advance and the like, the loan transaction does not withdraw enough interest, and the intermediary fee paid once cannot be recovered, so that the financial loss of the bank is caused twice, and the bank benefit is not met. Therefore, the bank needs to sign a cooperation contract with the partner, agree with information such as the period frequency of the differentiation and the rate of the differentiation, and perform differentiation according to the contract. Therefore, how to improve the lubrication efficiency and how to avoid the fault during lubrication becomes a problem to be solved urgently.

Based on the above problems, the present disclosure provides a method, an apparatus, a storage medium, and a computer device for allocating money to a lender, which can accurately calculate the payment amount of the lender to be allocated to the lender in each allocation period according to contract data, and allocate profits to the lender at regular time according to contract contents, so as to accurately and timely complete allocation, thereby effectively improving allocation efficiency and avoiding errors caused by allocation.

The following first describes the related art terms to which this application relates:

the term "moist" refers to a business that shares revenue to intermediaries or other service providers, partners.

The term "partner" refers to a corporate entity that cooperates with a bank.

The term "borrower" refers to a loan client that the partner drains to a bank.

The term "lender" refers to the bank where the lender opens an account to make a loan.

The term "lender" refers to all money paid by a bank in cash. All cash amounts to be paid by the bank belong to the credit, such as purchased assets, materials, claims, bank repayment, labor fees, all expenses incurred by the business, and the like. Standing in the bank's business account says: loan is the expense.

The term "borrower" means that the borrower includes valuable capital assets and cash received by a bank. This is a revenue from the point of view of the use of the cashier's account. The bank receives fund, loan, deposit, payment, handling fee, processing fee and other bank business income. Standing in the bank's business account says: borrowing is income.

Fig. 1 is a flow chart illustrating a method of dispensing moisture according to a first embodiment of the present disclosure.

It should be noted that the method for separating and moistening in the embodiments of the present disclosure may be applied to a separating and moistening device in the embodiments of the present disclosure, and the device may be configured in an electronic device. As shown in fig. 1, the differential wetting method includes the following steps:

in step 101, contract data between a lender and a partner is obtained.

In the embodiment of the application, the lender and the partner sign a cooperative contract in advance, and the contract data can be relevant data in the cooperative contract. As one possible example, the contract data may include one or more of the following 1) -4):

1) a start date of collaboration; 2) an expiration date of the collaboration; 3) the fee the lender needs to pay the partner; 4) the loan party pays the partner the amount of time.

In step 102, a contribution period for the partner is determined based on the contract data.

It will be appreciated that as one possible example, the reconciliation period that the lender agreed with the partner in advance is obtained from the contract data. The differentiated period may be a fixed time interval, for example, if the differentiated period is 3 months, the lender needs to differentiate the lender every 3 months according to the contract data.

In step 103, the borrower's amount of interest paid in each of the divided wetting cycles is obtained.

It will be appreciated that the aforementioned ring of interest amounts may be the amount of interest that the borrower has returned to the borrower during each of the dispensing cycles.

In step 104, the rating of the partner in each rating period is obtained.

It should be noted that, the sequence of step 103 and step 104 is not distinguished.

As one possible example, the aforementioned differentiated rate may be a rate at which the lender pays the partner a fee from the amount of interest paid based on the amount of interest paid. As an example of one possible implementation, the damping rate may be a flat rate obtained directly from the contract data, i.e. the damping rate per damping cycle is the same. As another possible implementation manner, the differentiated rating in each differentiated period may be obtained through calculation according to a differentiated rating calculation rule set in the contract data, that is, the differentiated ratings in a plurality of differentiated periods may be different.

In step 105, the payment amount that the lender needs to be differentiated to the partner in each differentiation period is obtained according to the paid amount and the differentiation rate.

As one possible example, the amount of interest paid in each separate period may be multiplied by the corresponding separate rate to obtain the amount of payment the lender needs to separate from the lender in each separate period. For example, the amount of interest saved in one of the differentiated periods is 1000 yuan, the differentiated rate corresponding to the differentiated period is 10%, and the payment amount to be differentiated to the partner in the differentiated period is 1000 yuan by 10% to 100 yuan.

In step 106, the payment amounts for the respective run periods are periodically distributed to the partners.

It will be appreciated that, as one possible example, the contract data may include break-up times, and the lender may periodically allocate payment amounts for respective break-up periods to the partners based on the break-up times in the contract data.

According to the method for the loaning party to the cooperation, the contract data between the loaning party and the cooperation party is obtained, the loaning party is determined to perform the divided and moist cycle on the cooperation party according to the contract data, and therefore the payment amount of the loaning party to the cooperation party to be divided and moist in each divided and moist cycle can be accurately calculated according to the paid amount of interest paid by the loaning party in each divided and moist cycle and the divided and moist rate of the cooperation party in each divided and moist cycle. In addition, the payment amounts of the respective moistening periods are distributed to the cooperation parties at regular time, so that the profit distribution is completed on time.

In order to ensure that the payment amount of the current moisturizing cycle is accurately distributed to the partner, optionally, the paid amount of the borrower in the current moisturizing cycle is determined by acquiring the first total amount of interest paid and the second total amount of interest paid, so that the payment amount of the current moisturizing cycle is calculated according to the total amount of interest paid and the interest rate in the current moisturizing cycle. Fig. 2 is a flow chart illustrating a method of dispensing in accordance with a second embodiment of the present disclosure. In some embodiments of the present disclosure, as shown in fig. 2, the method of sub-wetting comprises:

in step 201, contract data between a lender and a partner is obtained.

In the embodiment of the present disclosure, step 201 may be implemented by respectively adopting any one of the embodiments of the present disclosure, which is not limited by the embodiment of the present disclosure and is not described again.

In step 202, a partner's wetting cycle is determined based on the contract data.

In the embodiment of the present disclosure, step 202 may be implemented by any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 203, for the current moisturizing cycle, a corresponding moisturizing payment day is determined according to the current moisturizing cycle.

It can be understood that each partial wetting cycle corresponds to one partial wetting pay day, and the partial wetting pay day corresponding to the current cycle can be determined according to the current partial wetting cycle. For example, the moisturizing paid day corresponding to the currently located moisturizing cycle may be the last day of the currently located moisturizing cycle.

In step 204, a first total amount of interest paid by the borrower during a first time period from the date of the borrower's opening to the differentiated payment day corresponding to the previous differentiated period is obtained.

As one possible example, the date of the opening of the borrower is determined, the previous moisturizing cycle is determined, and thus the moisturizing payment day corresponding to the previous moisturizing cycle is determined, and the date of the opening of the borrower to the moisturizing payment day corresponding to the previous moisturizing cycle is determined as the first time period based on the date of the opening and the moisturizing payment day. And acquiring the total interest amount which is returned to the lender by the borrower within a first time period, namely acquiring the first total interest amount which is returned.

In step 205, a second total amount of interest paid by the borrower within a second time period from the borrower's opening date to the moisturizing payment day corresponding to the current moisturizing cycle is obtained.

It should be noted that, the sequence of the execution of step 204 and step 205 is not distinguished.

As a possible example, the account opening date of the borrower is determined, the moisturizing payment day corresponding to the current moisturizing cycle is determined through the current moisturizing cycle, and the second time period from the account opening date of the borrower to the moisturizing payment day corresponding to the current moisturizing cycle is determined based on the account opening date and the moisturizing payment day. And acquiring the total interest amount which is returned to the lender by the borrower within a second time period, namely acquiring a second total interest amount which is returned.

It can be understood that, since the first time period is from the account opening date of the borrower to the moisturizing payment day corresponding to the last moisturizing cycle, and the second time period is from the account opening date of the borrower to the moisturizing payment day corresponding to the current moisturizing cycle, the duration of the second time period is longer than that of the first time period, and the second total amount of interest paid is longer than the first total amount of interest paid.

In step 206, the amount of interest paid by the borrower in the current earmarking cycle is obtained according to the first total amount of interest paid and the second total amount of interest paid.

As a possible example, the amount of interest paid by the borrower during the current break-up period may be the difference between the second total amount of interest paid and the first total amount of interest paid, i.e., the amount of interest paid back by the borrower to the borrower during the current break-up period.

For example, if the first total amount of interest paid is determined to be 5000 yuan and the second total amount of interest paid is determined to be 6000 yuan, the borrower has the total amount of interest paid in the current break-wet period of 6000 yuan to 5000 yuan to 1000 yuan.

As one possible example, the above-mentioned partners may correspond to multiple borrowers, i.e., the partners stream multiple borrowers to the lender.

The break-even cycle may be one day, i.e., the borrower performs the following operations for each borrower each day: and subtracting the second total amount of interest saved of all the lenders from the first total amount of interest saved of all the lenders to obtain the amount of interest saved of the same day, and calculating the payment amount which the lenders need to be differentiated to the cooperation party according to the acquired differentiated rate of the same day and the amount of interest saved of the same day. Since the borrowers are all guided by the cooperation, the borrower needs to distribute payment amounts corresponding to the interest amount which is still paid by the borrowers in the same day to the cooperation. Optionally, the lender may assemble the payment amounts corresponding to the interest amount paid by the borrowers on the same day into a total payment amount, and distribute the total payment amount to the cooperation party at one time, thereby reducing the number of the sub-shares and improving the sub-share efficiency.

The moisturizing period can also be a longer period, for example, the moisturizing period is 1 month, the lender aggregates payment amounts corresponding to the interest amount of the borrower within the current 1 month into a total payment amount, and the total payment amount is distributed to the cooperation party at one time, so that the moisturizing times are reduced, and the moisturizing efficiency is improved.

In step 207, the rating of the partner in the current rating period is obtained.

As one possible example, the aforementioned differentiated rate may be a rate at which the lender pays the partner a fee from the amount of interest paid based on the amount of interest paid. As an example of one possible implementation, the differentiated rates may be flat rates obtained directly from the contract data. As another possible implementation manner, the point rate in the current point period may also be obtained by calculation according to a point rate calculation rule set in the contract data. In step 208, the payment amount that the lender needs to be differentiated to the partner in the current differentiation period is obtained according to the paid amount and the differentiation rate.

As one possible example, the amount of interest paid during the current bonus period may be multiplied by the bonus rate during the current bonus period to obtain the amount of payment that the lender needs to be bonus to the lender during the current bonus period. For example, the amount of interest left in the current differentiated service period is 1000 yuan, the differentiated service rate corresponding to the current differentiated service period is 10%, and the payment amount to be differentiated to the partner in the current differentiated service period is 1000 yuan by 10% and 100 yuan.

In step 209, the payment amount for the current run is periodically distributed to the partner.

It will be appreciated that, as one possible example, the contract data may include a break-up time, and the lender may periodically allocate the payment amount for the current break-up period to the partner based on the break-up time in the contract data.

According to the moisturizing method of the embodiment of the disclosure, the amount of the interest paid by the borrower in the current moisturizing cycle is determined by obtaining the first total amount of the interest paid and the second total amount of the interest paid, so that the payment amount of the current moisturizing cycle is calculated according to the amount of the interest paid and the interest rate in the current moisturizing cycle, and the payment amount of the current moisturizing cycle is accurately distributed to the cooperative party.

In order to ensure that the loan party distributes the payment amount to the cooperation party on time according to the divided and lubricated period, optionally, the cooperation starting date and the cooperation failure date of the loan party and the cooperation party are determined according to contract data, the corresponding divided and lubricated payment date is determined according to the current divided and lubricated period, and when the corresponding divided and lubricated payment date is reached and is in an effective state, the payment amount of the current divided and lubricated period is distributed to the cooperation party. Fig. 3 is a flow chart illustrating a method of dispensing in accordance with a third embodiment of the present disclosure. In some embodiments of the present disclosure, as shown in fig. 3, the method of differentiating includes:

in step 301, contract data between the lender and the partner is obtained.

In the embodiment of the present disclosure, step 301 may be implemented by adopting any one of the embodiments of the present disclosure, and this is not limited in the embodiment of the present disclosure and is not described again.

In step 302, a contribution period for the partner is determined based on the contract data.

In the embodiment of the present disclosure, step 302 may be implemented by respectively adopting any one of the embodiments of the present disclosure, and this is not limited in the embodiment of the present disclosure and is not described again.

In step 303, the borrower's amount of interest paid in each of the divided wetting cycles is obtained.

In the embodiment of the present disclosure, step 303 may be implemented by respectively adopting any one of the embodiments of the present disclosure, and this is not limited in the embodiment of the present disclosure and is not described again.

In step 304, the rating of the partner in each rating period is obtained.

In the embodiment of the present disclosure, step 304 may be implemented by any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 305, the payment amount that the lender needs to credit the partner in each credit period is obtained according to the amount of interest paid and the credit rate.

In the embodiment of the present disclosure, step 305 may be implemented by any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 306, a collaboration start date and collaboration expiration date of the lender and the collaborator are determined based on the contract data.

It is understood that a collaboration start date and a collaboration expiration date may be included in a collaboration contract that the lender and the collaborator have previously signed, and thus the collaboration start date and the collaboration expiration date of the lender and the collaborator are acquired from the contract data as an example of one possible implementation.

In step 307, for the current moisturizing cycle, a corresponding moisturizing payment day is determined according to the current moisturizing cycle.

It can be understood that each partial wetting cycle corresponds to one partial wetting pay day, and the partial wetting pay day corresponding to the current cycle can be determined according to the current cycle.

In step 308, when the corresponding differentiated wetting payment day is reached and the corresponding differentiated wetting payment day is in the effective state, the payment amount of the current differentiated wetting cycle is distributed to the cooperation party.

In the embodiment of the present disclosure, the effective state of the divided-moistening payment day is: the cooperation starting date is less than or equal to the divided payment date and less than the cooperation failure date.

It can be understood that the cooperation of the lender and the partner is effective within a pre-agreed cooperation period, and therefore, the lender is classified to the partner within the agreed period, that is, when the cooperation start date is less than or equal to the classified payment date < the cooperation failure date, the classified payment date is in an effective state.

As one possible example, the lender determines daily whether the day's date has reached the corresponding differentiated pay day, and in response to the day's date having reached the corresponding differentiated pay day and the collaboration start date ≦ the corresponding differentiated pay day < the collaboration expiration date, the lender allocates the payment amount for the current differentiated period to the collaborator.

According to the moisturizing method disclosed by the embodiment of the disclosure, the cooperative starting date and the cooperative failure date of the lender and the partner are determined according to the contract data, the corresponding moisturizing payment day is determined according to the current moisturizing cycle, and when the moisturizing payment day corresponding to the current moisturizing cycle is reached and the moisturizing payment day corresponding to the current moisturizing cycle is in an effective state, the payment amount of the current moisturizing cycle is distributed to the partner, so that the payment amount is distributed to the partner on time according to the moisturizing cycle within the pre-agreed cooperation period of the lender and the partner.

In order to ensure that the payment amount of the current differentiated service period is distributed to the cooperation party according to the differentiated service payment day, optionally, the corresponding differentiated service payment day is determined according to the current differentiated service period and the account opening date of the borrowing party by determining the account opening date of the borrowing party. Fig. 4 is a flow chart illustrating a method of dispensing in accordance with a fourth embodiment of the present disclosure. In some embodiments of the present disclosure, as shown in fig. 4, the method of differentiating includes:

in step 401, contract data between a lender and a partner is obtained.

In the embodiment of the present disclosure, step 401 may be implemented by using any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 402, a partner's wetting cycle is determined based on the contract data.

In the embodiment of the present disclosure, step 402 may be implemented by any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 403, the borrower's opening date is determined.

It can be understood that before the borrower borrows money, the borrower needs to transact an account opening at the borrower, namely a bank, after the account opening, the borrower starts to borrow money from the borrower and generates corresponding interest, and the account opening date is the date when the borrower transacts the account opening at the borrower.

In step 404, a corresponding differentiated wetting pay day is determined according to the current differentiated wetting cycle and the account opening date.

As a possible example, the corresponding differentiated pay day may be a date obtained by extending the account opening date backward by one current differentiated period. Alternatively, the lender may determine the corresponding differentiated pay day on the day of the opening date.

For example, if the borrower's account opening date is 2021 year, 9 month and 1 day, and the current moisturizing cycle is 1 month, the corresponding moisturizing payment date is 2021 year, 10 month and 1 day.

As another possible implementation manner, the contract data may further include a specific damping time in each damping cycle. And determining the corresponding moisturizing payment day according to the current moisturizing cycle, the moisturizing time and the account opening date corresponding to the current moisturizing cycle.

For example, the account opening date of the borrower is determined to be 2021 year, 9 month and 1 day, the current moisturizing cycle is determined to be 1 month, the specific moisturizing time is designated as 10 numbers of each month, and the corresponding moisturizing payment day is 2021 year, 10 month and 10 days. It will be appreciated that the above example is the first break-up period since the borrower opened an account, and the second break-up period corresponds to a break-up payment day of 11/10/2021.

In step 405, a first total amount of interest paid by the borrower during a first time period from the date the borrower opened the account to the differentiated payment day corresponding to the previous differentiated period is obtained.

In the embodiment of the present disclosure, step 405 may be implemented by any one of the embodiments of the present disclosure, and the embodiments of the present disclosure do not limit this, and are not described again.

In step 406, a second total amount of interest paid by the borrower within a second time period from the opening date of the borrower to the moisturizing payment date corresponding to the current moisturizing cycle is obtained.

In the embodiment of the present disclosure, step 406 may be implemented by any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 407, the amount of interest paid by the borrower in the current earmarking cycle is obtained based on the first total amount of interest paid and the second total amount of interest paid.

In the embodiment of the present disclosure, step 407 may be implemented by respectively adopting any one of the embodiments of the present disclosure, and this is not limited in the embodiment of the present disclosure and is not described again.

In step 408, the rating of the partner in the current rating period is obtained.

In the embodiment of the present disclosure, step 408 may be implemented by any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 409, the payment amount that the lender needs to be differentiated to the partner in the current differentiation period is obtained according to the paid amount and the differentiation rate.

In the embodiment of the present disclosure, step 409 may be implemented by any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 410, the payment amount for the current run is periodically distributed to the partner.

In the embodiment of the present disclosure, step 410 may be implemented by adopting any one of the embodiments of the present disclosure, and this is not limited in the embodiment of the present disclosure and is not described again.

According to the moisturizing method disclosed by the embodiment of the disclosure, the moisturizing payment day corresponding to the current moisturizing cycle is determined according to the current moisturizing cycle and the opening date of the borrower by determining the opening date of the borrower, so that the payment amount of the current moisturizing cycle is distributed to the cooperative parties according to the moisturizing payment day.

In order to ensure that the payment amount of each divided and lubricated period is distributed to the cooperative party according to the divided and lubricated payment day, optionally, the corresponding divided and lubricated payment day is determined according to the current divided and lubricated period and the account opening date of the borrower by determining the account opening date of the borrower. Fig. 5 is a flow chart illustrating a method of dispensing in accordance with a fifth embodiment of the present disclosure. In some embodiments of the present disclosure, as shown in fig. 5, the method of differentiating includes:

in step 501, contract data between a lender and a partner is obtained.

In the embodiment of the present disclosure, step 501 may be implemented by any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 502, a partner's wetting cycle is determined based on the contract data.

In the embodiment of the present disclosure, step 502 may be implemented by any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 503, the borrower's amount of interest paid in each of the divided wetting cycles is obtained.

In the embodiment of the present disclosure, step 503 may be implemented by any one of the embodiments of the present disclosure, and the embodiments of the present disclosure do not limit this, and are not described again.

In step 504, the rating of the partner in each rating period is obtained.

In the embodiment of the present disclosure, step 504 may be implemented by any one of the embodiments of the present disclosure, and this is not limited in the embodiment of the present disclosure and is not described again.

In step 505, the payment amount that the lender needs to credit the partner in each credit period is obtained according to the amount of interest paid and the credit rate.

In the embodiment of the present disclosure, step 505 may be implemented by respectively adopting any one of the embodiments of the present disclosure, and this is not limited by the embodiment of the present disclosure and is not described again.

In step 506, a collaboration start date and collaboration expiration date of the lender and the collaborator are determined based on the contract data.

In the embodiment of the present disclosure, step 506 may be implemented by any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 507, the borrower's opening date is determined.

It can be understood that before the borrower borrows money, the borrower needs to transact an account opening at the borrower, namely a bank, and after the account opening, the borrower starts to borrow money from the borrower and generates corresponding interest, wherein the account opening date is the date when the borrower transacts the account opening at the borrower.

In step 508, the corresponding differentiated wetting pay day is determined according to the current differentiated wetting cycle and the account opening date.

In step 509, when the corresponding moisturizing payment day is reached and the corresponding moisturizing payment day is in the valid state, the payment amount of the current moisturizing cycle is distributed to the partner.

In the embodiment of the present disclosure, step 509 may be implemented by any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

According to the moisturizing method disclosed by the embodiment of the disclosure, the corresponding moisturizing payment days are determined according to the current moisturizing period and the account opening date of the borrower by determining the account opening date of the borrower, so that the payment amount of each moisturizing period is distributed to the cooperative party according to the moisturizing payment days.

In order to ensure that the number of times of payment amount distribution is reduced and the lubrication efficiency is improved, optionally, the total payment amount of the current lubrication period is obtained by summing a plurality of payment amounts of the current lubrication period, and the total payment amount of the current lubrication period is distributed to the cooperation party at one time. Fig. 6 is a flow chart illustrating a method of lubrication according to a sixth embodiment of the present disclosure. In some embodiments of the present disclosure, as shown in fig. 6, the method of differentiating includes:

in step 601, contract data between the lender and the partner is obtained.

In the embodiment of the present disclosure, step 601 may be implemented by adopting any one of the embodiments of the present disclosure, which is not limited in the embodiment of the present disclosure and is not described again.

In step 602, a partner's wetting cycle is determined based on the contract data.

In the embodiment of the present disclosure, step 602 may be implemented by any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 603, a collaboration start date and collaboration expiration date of the lender and the collaborator are determined based on the contract data.

In the embodiment of the present disclosure, step 603 may be implemented by any one of the embodiments of the present disclosure, which is not limited in the embodiment of the present disclosure and is not described again.

In step 604, for the current moisturizing cycle, a corresponding moisturizing payment day is determined according to the current moisturizing cycle.

In the embodiment of the present disclosure, step 604 may be implemented by using any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 605, when the corresponding moisturizing payment day is reached and the corresponding moisturizing payment day is in the valid state, the payment amount of the current moisturizing cycle is distributed to the partner.

In the embodiment of the present disclosure, step 605 may be implemented by any one of the embodiments of the present disclosure, which is not limited in the embodiment of the present disclosure and is not described again.

In step 606, the rating of the partner in each rating period is obtained.

In the embodiments of the present disclosure, step 606 may be implemented by any one of the embodiments of the present disclosure, which is not limited in the embodiments of the present disclosure and is not described herein again.

In step 607, the payment amount that the lender needs to credit the partner in each credit period is obtained according to the paid amount and the credit rate.

In step 608, the current sub-wetting period corresponds to a plurality of payment amounts, and the plurality of payment amounts of the current sub-wetting period are summed to obtain a total payment amount of the current sub-wetting period.

As a possible example, the borrower periodically repays the loan, and when the repayment period of the borrower is smaller than the sub-wetting period, the borrower repays the loan for a plurality of times in the current sub-wetting period, and the current sub-wetting period may correspond to a plurality of payment amounts. And summing the multiple payment amounts in the current sub-wetting period to obtain the total payment amount which needs to be paid to the cooperative party by the loan party in the current sub-wetting period.

As yet another possible example, the collaborator may correspond to multiple borrowers, that is, the collaborator may direct multiple borrowers to the lender, and then there are multiple borrowers to pay the lender in the current reconciliation period, and then there may be multiple payment amounts in the current reconciliation period. And summing the multiple payment amounts in the current sub-wetting period to obtain the total payment amount which needs to be paid to the cooperative party by the loan party in the current sub-wetting period.

In step 609, the total amount paid for the current run is distributed to the partner.

It will be appreciated that the total amount of payment the lender is required to pay the partner in the current reconciliation period is allocated to the partner at one time. Compared with the method that the lender pays the lender once again, the lender distributes the corresponding payment amount to the partner once.

According to the lubrication method of the embodiment of the disclosure, the total payment amount of the current lubrication division period is obtained by summing the multiple payment amounts of the current lubrication division period, and the current lubrication division period is lubricated by the partner according to the total payment amount, so that the multiple payment amounts of the current lubrication division period are gathered and distributed to the partner at one time, the distribution frequency is effectively reduced, and the lubrication division efficiency is improved.

In order to guarantee that the new borrower performs the division and the wetting according to the division and the wetting cycle after the new borrower opens an account in a bank, optionally, a first cooperation corresponding to the new borrower is determined by responding to the opening operation of the new borrower, the first division and the wetting cycle of the first cooperation are determined according to the first contract data between the first cooperation and the first cooperation, a plurality of first division and wetting payment days of the first cooperation are determined according to the opening date and the first division and the wetting cycle of the new borrower, a first payment amount required by the borrower to be divided and wetted to the first cooperation on each first division and the wetting payment days are respectively distributed to the first cooperation by the borrower. Fig. 7 is a flow chart illustrating a method of moistening according to a seventh embodiment of the present disclosure. As shown in fig. 7, in some embodiments of the present disclosure, the method of sub-wetting further comprises:

in step S701, a first partner corresponding to the new borrower is determined in response to an account opening operation of the new borrower.

It will be appreciated that the borrower needs to open an account at the lender, i.e., the bank, before making a loan to the lender. Each borrower corresponds to a partner, i.e. the first partner diverts the new borrower to the lender. Accordingly, in response to an opening operation of a new borrower, a first partner corresponding to the new borrower is determined.

In step S702, a first moisturizing cycle of the first partner is determined according to first contract data with the first partner.

As a possible example, the lender enters into a cooperative contract with the first partner, obtains first contract data according to the cooperative contract, and determines a first moisturizing period of the first partner according to the first contract data.

In step S703, a plurality of first moist payment days of the first partner are determined based on the account opening date and the first moist cycle of the new borrower.

As one possible example, the date of the opening of the new borrower is determined, and the first moisturizing payment day corresponding to each first moisturizing period is determined according to the date of the opening of the new borrower and the first moisturizing periods. Optionally, a plurality of first moisturizing payment days of the first partner may be determined on the day of the account opening operation of the new borrower.

In step S704, a first payment amount to be distributed by the lender to the first partner on each first distributed payment day is determined.

In an embodiment of the present disclosure, the determining of the first payment amount that the lender needs to differentiate to the first partner at each first differentiated payment day may be implemented by using any one of the embodiments of the present disclosure, and the embodiments of the present disclosure do not limit this, and are not described again.

In step S705, the first payment amount corresponding to each first divided payment day is distributed to the first partner.

In the embodiment of the present disclosure, the allocating the respective corresponding first payment amount to the first partner on each first moisturizing payment day may be implemented by respectively adopting any one of the embodiments of the present disclosure, and the embodiments of the present disclosure do not limit this and are not described again.

According to the moisturizing method disclosed by the embodiment of the disclosure, the first cooperation corresponding to the new borrower is determined in response to the account opening operation of the new borrower, the first moisturizing period of the first cooperation is determined according to the first contract data between the first cooperation and the first lender, the plurality of first moisturizing payment days of the first cooperation are determined according to the account opening date and the first moisturizing period of the new borrower, the first payment amount required by the borrower to moisturize the first cooperation on each first moisturizing payment day is determined, and the corresponding first payment amount is distributed to the first cooperation on each first moisturizing payment day, so that the first moisturizing period is determined after the new borrower opens an account in a bank, namely a loan, and the moisturizing is further performed according to the first moisturizing period.

In order to guarantee the realization of the accounting function and complete the tie-account processing, optionally, the payment detail data of the lender is extracted based on a first extraction rule to obtain the borrower accounting data, the payment detail data is extracted based on a second detail extraction rule to obtain the lender transfer data, and the tie-account processing is performed based on the borrower accounting data and the lender transfer data. Fig. 8 is a flow chart illustrating a method of moistening according to an eighth embodiment of the present disclosure. In some embodiments of the present disclosure, as shown in fig. 8, the method of differentiating includes:

in step 801, contract data between a lender and a partner is obtained.

In the embodiment of the present disclosure, step 801 may be implemented by any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 802, a partner's wetting cycle is determined based on the contract data.

In the embodiment of the present disclosure, step 802 may be implemented by using any one of the embodiments of the present disclosure, and this is not limited in the embodiment of the present disclosure and is not described again.

In step 803, the borrower's amount of interest paid in each of the divided wetting cycles is obtained.

In the embodiment of the present disclosure, step 803 may be implemented by any one of the embodiments of the present disclosure, and this is not limited in the embodiment of the present disclosure and is not described again.

In step 804, the rating of the partner in each rating period is obtained.

In the embodiment of the present disclosure, step 804 may be implemented by any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 805, the payment amount that the lender needs to credit the partner in each credit period is obtained according to the paid amount and the credit rate.

In the embodiment of the present disclosure, step 805 may be implemented by any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 806, the payment amounts for the respective moisturizing periods are periodically distributed to the partners.

In the embodiment of the present disclosure, step 806 may be implemented by respectively adopting any one of the embodiments of the present disclosure, and this is not limited in the embodiment of the present disclosure and is not described again.

In step 807, payment detail data of the lender is obtained.

As a possible example, the payment detail data of the lender at least includes one or more of the following items 1) to 8): 1) a lending party; 2) a borrower; 3) a partner; 4) the currency type; 5) dividing and moistening; 6) a separate rate of wetting; 7) a subject of expense; 8) a payment amount;

9) the day of payment for the divided wetting.

It should be noted that the specific content included in the payment detail data of the lender may be determined according to actual situations. For example, any one or more of items 1) to 8) above may be selected as the payment detail data, or all of items 1) to 8) above may be selected as the payment detail data.

In step 808, the payment detail data is extracted based on the first extraction rule to obtain debit account data.

As a possible example, the first extraction rule is set according to an actual demand of the debit account, for example, the first total payment amount is obtained by grouping data of the same loan party, currency type, divided payment date, and expense subject in the payment detail data, and adding payment amounts corresponding to the payment detail data in the same group. It is understood that the first total payment amount is plural because there are plural sets of data in which the loan party, the currency, the divided payment date, and the payment subject are the same in the payment detail data.

In step 809, the payment detail data is extracted based on the second detail extraction rule to obtain the lender transfer data.

As a possible example, the second extraction rule is set according to the actual demand of the lender, for example, a second total payment amount obtained by grouping the same data of the lender, the currency type, the differentiated payment date, and the partner in the payment detail data and adding the payment amounts corresponding to the payment detail data in the same group. It is to be understood that the second total payment amount is plural because plural sets of data are provided in which the lender, the currency, the divided payment date, and the partner are the same in the payment specification data.

In step 810, a tie-out process is performed based on the debit account data and the credit transfer data.

As one possible example, the borrower's income should equal the expenditure, so the plurality of first total amounts paid are summed to produce a first aggregate amount, the plurality of second total amounts paid are summed to produce a second aggregate amount, and the tie-out process is completed in response to the first aggregate amount being equal to the second aggregate amount.

According to the moisturizing method of the embodiment of the disclosure, the payment detail data of the lender are obtained, the payment detail data are extracted based on the first extraction rule to obtain borrower accounting data, and the payment detail data are extracted based on the second detail extraction rule to obtain lender transfer data, so that account balancing processing is performed based on the borrower accounting data and the lender transfer data, an accounting function is further realized, and account balancing processing is completed.

In order to ensure that the break-and-moisten cycle can be determined, optionally, the break-and-moisten frequency is determined according to the contract data, the coefficient of the break-and-moisten frequency is determined according to the contract data, and the break-and-moisten cycle is determined according to the frequency and the frequency coefficient. Fig. 9 is a flow chart illustrating a method of dispensing in accordance with a ninth embodiment of the present disclosure. In some embodiments of the present disclosure, as shown in fig. 9, the method of differentiating includes:

in step 901, contract data between the lender and the partner is obtained.

In the embodiment of the present disclosure, step 901 may be implemented by using any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 902, a frequency of moisture is determined based on the contract data.

It is to be understood that the frequency of the break-up may be included in the contract data. As one possible example, the frequency of partial wetting may be any one of the following items 1) to 3): 1) according to year; 2) monthly; 3) by day. That is, the frequency of partial wetting may be 1 year, 1 month, or 1 day.

In step 903, coefficients of the break-down frequency are determined from the contract data.

In step 904, a break-in period is determined based on the frequency and the frequency coefficient.

As one possible example, the break-in period may be the result of multiplying the frequency by a frequency coefficient.

For example, if the frequency of partial wetting is 1 month and the coefficient of partial wetting frequency is 5, the partial wetting period is 5 months.

In step 905, the borrower's amount of interest paid in each of the dispensing cycles is obtained.

In the embodiment of the present disclosure, step 905 may be implemented by any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 906, the rating of the partner for each rating period is obtained.

In the embodiment of the present disclosure, step 906 may be implemented by any one of the embodiments of the present disclosure, and this is not limited in the embodiment of the present disclosure and is not described again.

In step 907, the payment amount that the lender needs to credit the partner in each credit period is obtained according to the paid amount and the credit rate.

In the embodiment of the present disclosure, step 907 may be implemented by any one of the embodiments of the present disclosure, which is not limited in this disclosure and is not described again.

In step 908, the payment amounts for the respective wetting cycles are periodically distributed to the partners.

In the embodiment of the present disclosure, step 908 may be implemented by any method in each embodiment of the present disclosure, which is not limited in this embodiment of the present disclosure and is not described again.

According to the method for distributing the payment amount of the partner, the distribution frequency is determined according to the contract data, the coefficient of the distribution frequency is determined according to the contract data, the distribution period is determined according to the frequency and the frequency coefficient, and the payment amount of each distribution period is distributed to the partner at regular time according to the distribution period.

In order to achieve the above embodiments, the present disclosure provides a lubrication separating device.

Fig. 10 is a block diagram illustrating a component damping device according to a tenth embodiment of the present disclosure. As shown in fig. 10, the apparatus includes:

a first obtaining module 1001, configured to obtain contract data between a lender and a partner;

a first determining module 1002, configured to determine a moisturizing cycle of a partner according to contract data;

a second obtaining module 1003, configured to obtain the amount of interest paid by the borrower in each divided wetting cycle;

a third obtaining module 1004, configured to obtain the rating of the partner in each rating period;

a fourth obtaining module 1005, configured to obtain, according to the amount of interest saved and the differentiated rate, a payment amount that the lender needs to be differentiated to the partner in each differentiated period;

and a run-out module 1006 for distributing the payment amount of each run-out period to the partner at regular time.

On the basis of the foregoing embodiment, optionally, the second obtaining module 1003 includes:

the sub-module for determining the divided wetting paying day is used for determining the corresponding divided wetting paying day according to the current divided wetting cycle aiming at the current divided wetting cycle;

the first obtaining submodule is used for obtaining a first total amount of interest paid by the borrower in a first time period, and the first time period is from the account opening date of the borrower to the moisturizing payment date corresponding to the last moisturizing period;

the second obtaining submodule is used for obtaining a second total interest paid amount of the borrower in a second time period, and the second time period is from the account opening date of the borrower to the moisturizing payment date corresponding to the current moisturizing cycle;

and the third obtaining sub-module is used for obtaining the amount of the interest paid by the borrower in the current differentiated wetting period according to the first total amount of the interest paid and the second total amount of the interest paid.

On the basis of the foregoing embodiment, optionally, the moistening module 1006 includes:

the first determining submodule is used for determining the cooperation starting date and the cooperation failure date of the lender and the cooperator according to the contract data;

the distributing submodule is used for distributing the payment amount of the current sub-lubricating period to the partner when the corresponding sub-lubricating payment day is reached and the corresponding sub-lubricating payment day is in an effective state;

On the basis of the foregoing embodiment, optionally, the differentiated pay-day determining sub-module includes:

the second determining submodule is used for determining the account opening date of the borrower;

and the third determining submodule is used for determining the corresponding sub-moisturizing payment day according to the current sub-moisturizing period and the account opening date.

On the basis of the above embodiment, optionally, the current divided wetting cycle corresponds to a plurality of payment amounts; an assignment submodule, comprising:

the summing unit is used for summing the multiple payment amounts in the current sub-lubricating period to obtain the total payment amount in the current sub-lubricating period;

On the basis of the above embodiment, optionally, the moistening device further includes:

the second determination module is used for responding to the account opening operation of the new borrower and determining a first cooperative party corresponding to the new borrower;

the third determining module is used for determining a first moistening period of the first partner according to the first contract data between the third partner and the first partner;

a fourth determining module, configured to determine a plurality of first moisturizing payment days of the first partner according to the account opening date and the first moisturizing period of the new borrower;

a fifth determining module, configured to determine a first payment amount that the lender needs to be differentiated to the first partner on each first differentiated payment day;

the first extraction module is used for extracting payment detail data based on a first extraction rule to obtain debit account data;

On the basis of the foregoing embodiment, optionally, the first determining module 1002 includes:

a sixth determining module, configured to determine a damping frequency according to the contract data;

a seventh determining module, configured to determine a coefficient of the differentiated frequency according to the contract data;

and the eighth determining module is used for determining the moistening period according to the frequency and the frequency coefficient.

According to the moisturizing device disclosed by the embodiment of the disclosure, by acquiring contract data between the lender and the partner, determining the moisturizing period of the lender to the partner according to the contract data, and according to the amount of interest saved by the lender in each moisturizing period and the moisturizing rate of the partner in each moisturizing period, the payment amount of the lender to be moisturized to the partner in each moisturizing period can be accurately calculated, and the distribution efficiency of profits can be obviously improved. In addition, the payment amounts of the respective moistening periods are distributed to the cooperation parties at regular time, so that the profit distribution can be completed on time.

FIG. 11 is a block diagram illustrating a computer device according to an embodiment of the present disclosure. As shown in fig. 11, the computer device 1100 may include:

a memory 1110 and a processor 1120, a bus 1130 connecting the various components (including the memory 1110 and the processor 1120), the memory 1110 storing instructions executable by the processor 1120; wherein, the processor 1120 is configured to execute the instructions to implement the lubrication method of the disclosed embodiment.

Bus 1130 represents one or more of any of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, and a processor or local bus using any of a variety of bus architectures. By way of example, such architectures include, but are not limited to, Industry Standard Architecture (ISA) bus, micro-channel architecture (MAC) bus, enhanced ISA bus, Video Electronics Standards Association (VESA) local bus, and Peripheral Component Interconnect (PCI) bus.

Computer device 1100 typically includes a variety of electronic device readable media. Such media can be any available media that is accessible by computer device 1100 and includes both volatile and nonvolatile media, removable and non-removable media. Memory 1110 can also include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM)1140 and/or cache memory 1150. The computer device 1100 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 1160 may be used to read from and write to non-removable, nonvolatile magnetic media (not shown in FIG. 11, but typically referred to as a "hard disk drive"). Although not shown in FIG. 11, a magnetic disk drive for reading from and writing to a removable, nonvolatile magnetic disk (e.g., a "floppy disk") and an optical disk drive for reading from or writing to a removable, nonvolatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 1130 by one or more data media interfaces. Memory 1110 may include at least one program product having a set (e.g., at least one) of program modules that are configured to carry out the functions of embodiments of the disclosure.

Program/utility 1180 having a set (at least one) of program modules 1170 may be stored, for instance, in memory 1110, such program modules 1170 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which examples or some combination thereof may comprise an implementation of a network environment. The program modules 1170 generally perform the functions and/or methods of the embodiments described in this disclosure.

The computer device 1100 may also communicate with one or more external devices 1190 (e.g., keyboard, pointing device, display 1191, etc.), one or more devices that enable a user to interact with the computer device 1100, and/or any devices (e.g., network card, modem, etc.) that enable the computer device 1100 to communicate with one or more other computing devices. Such communication may occur through input/output (I/O) interfaces 1192. Also, the computer device 1100 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network such as the internet) via the network adapter 1193. As shown, the network adapter 1193 communicates with the other modules of the computer device 1100 via the bus 1130. It should be appreciated that although not shown, other hardware and/or software modules may be used in conjunction with the computer device 1100, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.

The processor 1120 executes various functional applications and data processing by executing programs stored in the memory 1110.

It should be noted that, for the implementation process and the technical principle of the computer of the embodiment, reference is made to the foregoing explanation of the differentiation method of the embodiment of the present disclosure, and details are not described here again.

In order to implement the above embodiments, the present disclosure also provides a storage medium.

Wherein the instructions in the storage medium, when executed by a processor of a computer device, enable the computer device to perform the method of differentiating as before.

To implement the above embodiments, the present disclosure also provides a computer program product. The computer program product comprises a computer program which, when executed by a processor of a computer device, implements the method of differentiating as before.

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This disclosure is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.

It will be understood that the present disclosure is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A method of dispensing moisture, comprising:

acquiring contract data between a lender and a partner;

acquiring the rating rate of the partner in each rating period;

2. The method of claim 1 wherein said obtaining the amount of interest paid by the borrower during each of said dispensing cycles comprises:

3. The method of claim 1, wherein said timing the dispensing of payment amounts for respective wetting cycles to the partners comprises:

4. The method according to claim 2 or 3, wherein the determining a corresponding moisturizing payment day according to the current moisturizing cycle comprises:

determining the account opening date of the borrower;

5. The method of claim 3, wherein the current triage period corresponds to a plurality of payment amounts; the allocating the payment amount of the current moisturizing cycle to the partner comprises:

6. The method of claim 1, further comprising:

7. The method of claim 1, further comprising:

acquiring payment detail data of the lender;

8. The method of claim 1, wherein determining the wetting cycle of the partner from the contract data comprises:

determining a frequency of partial wetting according to the contract data;

9. A lubrication apparatus, comprising:

10. The apparatus of claim 9, wherein the second obtaining module comprises:

11. The apparatus of claim 9, wherein the sub-wetting module comprises:

a first determining submodule, configured to determine a cooperation start date and a cooperation expiration date of the lender and the partner according to the contract data;

12. The apparatus of claim 10 or 11, wherein the differentiated pay-per-day determination submodule comprises:

a second determining submodule for determining an account opening date of the borrower;

and the third determining submodule is used for determining the corresponding moisturizing payment day according to the current moisturizing period and the account opening date.

13. The apparatus of claim 11, wherein the current triage period corresponds to a plurality of payment amounts; the distribution submodule includes:

14. The apparatus of claim 9, further comprising:

15. The apparatus of claim 9, further comprising:

16. The apparatus of claim 9, wherein the first determining module comprises:

17. A storage medium having instructions thereon that, when executed by a processor of a computer device, enable the computer device to perform the method of any of claims 1 to 8.

18. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any one of claims 1 to 8 when executing the computer program.