Disclosure of Invention
In order to solve the technical problems, the application provides an inter-account application data interaction control method and device, and the technical scheme is as follows:
according to the 1 st aspect of the application, a method for controlling application data interaction between accounts is provided, and the method comprises the following steps:
receiving an asset data transfer request sent by a first user to a second user;
acquiring an information interaction record between a first user and a second user;
according to the acquired information interaction record, judging whether an unfinished repayment asset data loan record exists, wherein in the loan record, a first user is a borrower user, and a second user is a lender user;
and if so, carrying out repayment processing on the loan record by using the asset data to be transferred.
According to a 2 nd aspect of the present application, there is provided a user loan information repayment processing method including:
receiving a transfer request sent by a first user to a second user;
acquiring an information interaction record between a first user and a second user;
judging whether debit information initiated by a first user to a second user without completing repayment exists or not according to the acquired information interaction record;
and if the result is yes, carrying out repayment processing on the debit information by using the transfer amount.
According to the 3 rd aspect of the present application, there is provided an inter-account application data interaction control apparatus, comprising:
the request receiving module is used for receiving an asset data transfer request sent by a first user and sent to a second user;
the interactive record acquisition module is used for acquiring an information interactive record between a first user and a second user;
the judging module is used for judging whether an unfinished repayment asset data loan record exists according to the acquired information interaction record, and in the loan record, a first user is a borrower user and a second user is a lender user;
and the repayment processing module is used for carrying out repayment processing on the loan record by using the asset data to be transferred under the condition that the judgment result is yes.
According to the 4 th aspect of the present application, there is provided a user loan information repayment processing apparatus comprising:
the request receiving module is used for receiving a transfer request sent by a first user to a second user;
the interactive record acquisition module is used for acquiring an information interactive record between a first user and a second user;
the judging module is used for judging whether debit information initiated by the first user to the second user without completing repayment exists or not according to the acquired information interaction record;
and the repayment processing module is used for carrying out repayment processing on the debit information by utilizing the transfer amount under the condition that the judgment result is yes.
By applying the technical scheme provided by the application, when the user A requests the system to carry out asset transfer operation on the user B, the system can firstly judge whether the user A has the unequivocal asset quota on the user B, if so, the transferred quota is preferentially utilized to pay back the owed amount, thereby avoiding the trouble brought to the user by the system which still carries out prompt or forced repayment under the condition that the owed amount is actually cleared, and effectively avoiding unnecessary waste of system and network resources. For the borrower user, the borrower does not need to deliberately select common transfer operation or repayment operation, and finally the purpose of repayment can be achieved, so that the operation is simpler and more convenient.
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 application.
Detailed Description
In order to make those skilled in the art better understand the technical solutions in the present application, the technical solutions in the embodiments of the present application will be described in detail below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all embodiments. All other embodiments that can be derived from the embodiments given herein by a person of ordinary skill in the art are intended to be within the scope of the present disclosure.
In view of the problems in the prior art, the present application provides an inter-account application data interaction control method, which, as shown in fig. 1, may include:
s101, receiving an asset data transfer request sent by a first user to a second user;
s102, acquiring an information interaction record between a first user and a second user;
s103, judging whether an asset data lending record of the second user which does not finish repayment to the first user exists or not according to the acquired information interaction record;
and S104, under the condition that the judgment result is yes, carrying out repayment processing on the loan record by using the asset data to be transferred at this time.
In the solution provided in the present application, the "asset" may be money, property in the conventional sense, or virtual property such as points, tickets, etc., and the "first user" and the "second user" are both users participating in the asset data interaction. When a first user initiates a common asset transfer operation to a second user, the system firstly judges whether the first user has an asset quota which is not yet cleared for the second user, if so, the quota transferred this time is preferentially utilized to repay the underpayment, otherwise, the asset transfer operation can be processed according to a common asset transfer mode.
In practical application, the payment of the underamount by using the transfer limit can be realized in different modes, and a simpler processing mode is as follows:
judging whether the value of the asset to be transferred at this time is equal to the value of the outstanding asset recorded by the loan; and if so, carrying out repayment processing on the loan record by using the asset data to be transferred.
This approach actually makes the following assumptions: when user a has an asset deficit value X for user B (X may equal the sum of the interest if the loan generates interest, and will not be described again), if a initiates an asset transfer to B, a transfer credit Y is typically selected that is the same as the value of X. Based on this assumption, the system will only repay the loan record if the transfer value unit Y is X.
If the system supports the simultaneous existence of a plurality of loan operations, the value X of the asset amount owed by the user A to the user B may be composed of the amounts owed by the plurality of loan records, that is, X is X1+ X2+ … + xn, in this case, when the user A initiates the transfer operation with the amount of Y to the user B, the system will firstly judge whether Y is equal to X, and if Y is X, the system directly carries out the merging and repayment processing on the plurality of loan records; and if Y is not equal to X, further judging whether Y is equal to any one of X1+ X2 … xn, and if so, carrying out repayment processing on the single loan record corresponding to the matched value.
In the above two ways, it is assumed that when the borrower performs the asset transfer operation on the lender, the borrower directly uses the total amount of the debt operation or the amount of the debt operation to transfer, and this assumption is very in line with the general actual operation requirement of the user, and the corresponding system processing and implementing logic is relatively simple. Of course, if the situation that the transfer amount Y and the deficit amount X may be different in actual situations is further considered, other processing logics may be further added, for example:
when the value of the asset to be transferred is larger than the value of the unreturned asset, the loan record can be repacked first, and the asset data transfer process can be performed on the value of the asset to be transferred which is left after the repacking process. That is, when Y > X, the total value of Y is split into two parts: x and Y-X, the system first repays the loan record with a first portion of the transferred amount (X in value) and then generates a normal asset transfer operation of the corresponding amount for a second portion of the transferred amount (Y-X in value).
When the value of the asset to be transferred is smaller than the value of the unreturned asset, the loan record may be repacked first, and a new loan record of the unreturned loan may be generated for the value of the asset which has not been repacked after the repacking process. That is, when X > Y, the total value of X is split into two parts: y and X-Y, the system firstly utilizes Y to repay the first part (the value is Y) of the amount owed, and after the original loan record is verified and sold, a loan record of a corresponding amount is generated aiming at the second part (the value is X-Y) of the amount owed.
The above two modes complement the automatic repayment processing logic of the system, and it can be understood that the two modes can also support the automatic repayment processing of a plurality of loan operations respectively, and the detailed description is omitted in the embodiment of the present application. In addition, in practical applications, one or more of the above automatic reimbursement processing logics can be configured in the system according to requirements, and the application does not need to limit the logics.
The following describes the present application with reference to a specific application scenario. As shown in fig. 2, in the instant messaging in the payment application environment, account operations such as direct transfer between users, loan initiation and the like are supported, and user a initiates two loans to user B in sequence, wherein the amounts are 17500 yuan and 7500 yuan (for convenience of description, hereinafter, abbreviated as "loan 1" and "loan 2" respectively). When the user a subsequently initiates a normal transfer to the user B, the system firstly confirms that unreleased debit information exists between the users of both parties of the session according to the current session ID according to the received transfer request, so as to trigger an automatic repayment operation, and the following are some examples of the automatic repayment processing:
assuming that user A requests a 25000 dollar transfer to user B, the system will perform a consolidated repayment process for debit 1 and debit 2, since the transfer amount is exactly equal to the total of the two outstanding debts, after which all the debts are cleared.
Assuming user a requests a 17500 dollar transfer from user B, the system will repay debit 1 because the transfer amount matches debit 1. After processing, eventually the debt 2 remains unfinished for redemption.
Assuming that user a requests a 5000-element transfer to user B, the system may choose to repay any debit because the transfer amount is less than debit 1 and debit 2, respectively. Here, loan bar 2 with relatively close credit is selected to be repayed, after the repayment processing is carried out, loan bar 2 is checked out, a new loan bar with the credit of 7500-.
Assuming that the user A requests the user B to transfer 30000 yuan, the system performs combined repayment processing on the debit 1 and the debit 2 and performs ordinary transfer processing on the 5000 yuan left after the total repayment amount 25000 is deducted because the transfer amount is larger than the total amount of two outstanding repayment debits.
Assuming that the user A requests to request the user B to transfer 20000 yuan, the system selects to repay any loan because the transfer amount is less than the total amount of two outstanding loans but respectively greater than the amount of two loans. The loan bar 1 with a larger amount is preferentially paid, the loan bar 1 is checked and sold after the repayment is processed, and 5000 yuan remains; further, loan bar 2 is reimbursed by using the remaining 5000 yuan, and after the reimbursement processing, loan bar 2 is verified and generated into a new loan bar with the amount of 7500-.
Corresponding to the above method embodiment, the present application further provides an inter-account application data interaction control apparatus, as shown in fig. 3, the apparatus may include:
a request receiving module 110, configured to receive an asset data transfer request sent by a first user to a second user;
an interaction record obtaining module 120, configured to obtain an information interaction record between a first user and a second user;
the judging module 130 is configured to judge whether an unfinished repayment asset data loan record exists according to the acquired information interaction record, and in the loan record, a first user is a borrower user and a second user is a lender user;
and the repayment processing module 140 is used for carrying out repayment processing on the loan record by using the asset data to be transferred in the current time under the condition that the judgment result is yes.
In one embodiment of the present application, the redemption processing module 140 may be specifically configured to:
judging whether the value of the asset to be transferred is equal to the value of the outstanding asset recorded by the loan or not;
and if so, carrying out repayment processing on the loan record by using the asset data to be transferred at this time.
In one embodiment of the present application, the redemption processing module 140 may be specifically configured to:
under the condition that more than two outstanding loan records exist, judging whether the value of the asset to be transferred at this time is equal to the sum of the values of the outstanding loan records;
if so, carrying out combined repayment processing on all the outstanding loan records by using the asset data to be transferred;
if not, further judging whether the value of the asset to be transferred is equal to the value of the uncompensated asset of one of the incomplete repayment loan records, if so, carrying out repayment processing on the incomplete repayment loan record by the asset data to be transferred.
In one embodiment of the present application, the redemption processing module 140 may be specifically configured to:
and under the condition that the value of the asset to be transferred is larger than the unreturned value, carrying out repayment processing on the loan record, and carrying out asset data transfer processing on the value of the asset to be transferred, which is remained after deducting the repayment value.
In one embodiment of the present application, the redemption processing module 140 may be specifically configured to:
and under the condition that the value of the asset to be transferred is smaller than the value of the unreleased asset, carrying out repayment processing on the loan record, and generating a new loan record of the unreleased loan aiming at the value of the unreleased asset after the repayment processing.
The present application further provides a user loan information repayment processing apparatus, which may include:
the request receiving module is used for receiving a transfer request sent by a first user to a second user;
the interactive record acquisition module is used for acquiring an information interactive record between a first user and a second user;
the judging module is used for judging whether debit information initiated by the first user to the second user without completing repayment exists or not according to the acquired information interaction record;
and the repayment processing module is used for carrying out repayment processing on the debit information by utilizing the transfer amount under the condition that the judgment result is yes.
It can be understood that the user debit information repayment processing device is consistent with the structure schematic diagram of the application data interaction control device between the seed accounts in the previous embodiment, and the repeated illustration is not repeated here
The implementation process of the functions and actions of each module in the above device is specifically described in the implementation process of the corresponding step in the above method, and is not described herein again.
From the above description of the embodiments, it is clear to those skilled in the art that the present application can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present application may be essentially or partially implemented in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments of the present application.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus embodiment, since it is substantially similar to the method embodiment, it is relatively simple to describe, and reference may be made to some descriptions of the method embodiment for relevant points. The above-described apparatus embodiments are merely illustrative, and the modules described as separate components may or may not be physically separate, and the functions of the modules may be implemented in one or more software and/or hardware when implementing the solution of the present application. And part or all of the modules can be selected according to actual needs to achieve the purpose of the scheme of the embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
The foregoing is directed to embodiments of the present application and it is noted that numerous modifications and adaptations may be made by those skilled in the art without departing from the principles of the present application and are intended to be within the scope of the present application.