CN107798595A - A kind of method and device of amount adjustment - Google Patents

A kind of method and device of amount adjustment Download PDF

Info

Publication number
CN107798595A
CN107798595A CN201610802593.2A CN201610802593A CN107798595A CN 107798595 A CN107798595 A CN 107798595A CN 201610802593 A CN201610802593 A CN 201610802593A CN 107798595 A CN107798595 A CN 107798595A
Authority
CN
China
Prior art keywords
amount
user
active user
interim
active
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201610802593.2A
Other languages
Chinese (zh)
Inventor
陈璐伟
边前卫
王丽娜
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shanghai Pre Long Mdt Infotech Ltd
Original Assignee
Shanghai Pre Long Mdt Infotech Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Shanghai Pre Long Mdt Infotech Ltd filed Critical Shanghai Pre Long Mdt Infotech Ltd
Priority to CN201610802593.2A priority Critical patent/CN107798595A/en
Publication of CN107798595A publication Critical patent/CN107798595A/en
Pending legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Information Transfer Between Computers (AREA)

Abstract

The present invention provides a kind of method and device of amount adjustment, including:Receive account information and the encrypted message that the active user is sent by user terminal;When it is determined that active user is validated user, the essential information of active user is obtained, and determine whether active user being capable of the interim amount of active accommodation according to the essential information of active user;It is determined that active user can active accommodation interim amount when, whether monitoring receives the interim amount adjust request message that active user is sent by user terminal;Monitor out receive interim amount adjust request message that active user is sent by user terminal when, obtain the amount adjustment relevant information of active user, the interim amount adjusted value that relevant information determines active user adjusted according to the amount of active user;According to the interim amount adjusted value of active user, the interim amount of the user is adjusted.Realize the purpose for by using the interim amount of family active accommodation, improving Consumer's Experience.

Description

A kind of method and device of amount adjustment
Technical field
The present invention relates to a kind of financial field, more particularly to a kind of method and device of amount adjustment.
Background technology
In recent years, because the development of internet finance, increasing people begin to use cell phone to borrow money, to solve To the possible period of want or need of cash in life.
Existing network loaning bill product be substantially all can not actively be applied by user cash borrow money interim amount, but by Associated companies or platform are consumption of the service end to user according to user, and evaluation user can adjust interim amount When, the adjustable interim short message for carrying volume is sent to user, if user need to adjust interim amount, thinks that service end sends interim amount The information of adjustment.Although user can be made to reach the purpose of interim amount adjustment through the above way, for a user, The adjustment of its interim amount must could be adjusted after service end has been sent to the short message of interim amount adjustment.User can not lead , the problem of actual demand that can not meet user in time be present, reduce Consumer's Experience in the dynamic adjustment for requiring interim amount.
The content of the invention
In view of the above the shortcomings that prior art, it is an object of the invention to provide the method and dress of a kind of amount adjustment Put, for by using the interim amount of family active accommodation, improving Consumer's Experience.
In order to achieve the above objects and other related objects, the present invention provides a kind of method of amount adjustment, including following step Suddenly:Receive account information and the encrypted message that the active user is sent by user terminal;It is determined that the active user is During validated user, the essential information of the active user is obtained, and work as according to determining the essential information of the active user Whether preceding user being capable of the interim amount of active accommodation;It is determined that the active user can active accommodation interim amount when, monitor Whether interim amount adjust request message that the active user by user terminal sent is received;Institute is received monitoring out When stating the interim amount adjust request message that active user is sent by user terminal, the amount adjustment of the active user is obtained Relevant information, the interim amount adjusted value of the active user is determined according to the amount of active user adjustment relevant information; The amount adjustment relevant information of the user includes essential information, reputation information and the current amount information of the active user; According to the interim amount adjusted value of the active user, the interim amount of the user is adjusted.
In one embodiment of the invention, the interim amount adjust request message includes:Deliberate action instruction message.
It is described to work as according to the amount of the active user adjusts relevant information determination in one embodiment of the invention The interim amount adjusted value of preceding user includes:Meet the first preparatory condition, reputation information in the essential information of the active user When meeting the second preparatory condition, the interim amount adjusted value of the active user is determined according to current amount information.
Further, the invention provides a kind of method of amount adjustment, comprise the following steps:The device adjusted to amount Send account information and encrypted message;When the device checking active user of amount adjustment is validated user, to the volume The engagement positions that degree is adjusted send interim amount adjust request message.
In one embodiment of the invention, the interim amount adjust request message includes:Deliberate action instruction message; When the device checking active user of the amount adjustment is validated user, the device adjusted to the amount sends interim amount tune Whole request message includes:When the device checking active user of amount adjustment is validated user, if user terminal is according to pre- Fixed track moves, then sends deliberate action instruction message to the device that the amount adjusts.
Further, the invention provides a kind of device of amount adjustment, including:Receiving unit, for receiving described work as The account information and encrypted message that preceding user is sent by user terminal;Processing unit, for it is determined that the active user is During validated user, the essential information of the active user is obtained, and work as according to determining the essential information of the active user Whether preceding user being capable of the interim amount of active accommodation;Monitoring unit, for it is determined that the active user can active accommodation face When amount when, monitoring whether receive the interim amount adjust request message that the active user is sent by user terminal;Place Unit is managed, is additionally operable to monitoring out the interim amount adjust request message that receives the active user and send by user terminal When, the amount adjustment relevant information of the active user is obtained, relevant information is adjusted according to the amount of the active user and determined The interim amount adjusted value of the active user;The amount adjustment relevant information of the user includes the basic of the active user Information, reputation information and current amount information;Adjustment unit, the interim amount adjusted value according to the active user is additionally operable to, Adjust the interim amount of the user.
In one embodiment of the invention, the interim amount adjust request message includes:Deliberate action instruction message.
In one embodiment of the invention, the processing unit, specifically for expiring in the essential information of the active user The first preparatory condition of foot, when reputation information meets the second preparatory condition, the active user is determined according to current amount information Interim amount adjusted value.
Further, the invention provides a kind of user terminal, including:Transmitting element, for the device adjusted to amount Send account information and encrypted message;The transmitting element, the device being additionally operable in amount adjustment verify that active user is During validated user, the engagement positions adjusted to the amount send interim amount adjust request message.
In one embodiment of the invention, the interim amount adjust request message includes:User terminal rocks message;
The transmitting element, when specifically for the device that is adjusted in the amount, to verify active user be validated user, if Detect and moved according to desired trajectory, then sending user terminal to the device that the amount adjusts rocks message.
As described above, a kind of method and device of amount adjustment of the present invention, has the advantages that:Amount adjustment Device receives account information and the encrypted message that active user sends, and when it is determined that active user is validated user, can obtain The essential information of active user, determine whether active user being capable of the interim volume of active accommodation according to the essential information of this active user Degree, active user can active accommodation interim amount when, receive what active user was sent by user terminal if monitoring out During interim amount adjust request message, the amount adjustment relevant information of user, determines that the interim amount of active user is adjusted before acquisition Whole value, according to the interim amount adjusted value of this active user, adjust the interim amount of user.So, user is needing to adjust During interim amount, interim amount adjust request message can be sent to the device that amount adjusts, the device of amount adjustment can root The interim amount adjust request message sent according to user terminal carries out corresponding interim amount adjustment, realizes and is moved by using householder Interim amount is adjusted, improves the purpose of Consumer's Experience.
Brief description of the drawings
Fig. 1 is shown as a kind of the first schematic flow sheet of the method for amount adjustment provided by the invention;
Fig. 2 is shown as a kind of second of schematic flow sheet of the method for amount adjustment provided by the invention;
Fig. 3 is shown as a kind of the third schematic flow sheet of the method for amount adjustment provided by the invention;
Fig. 4 is shown as a kind of structural representation of the device of amount adjustment provided by the invention;
Fig. 5 is shown as a kind of structural representation of user terminal provided by the invention;
Fig. 6 is shown as a kind of structural representation of the server of amount adjustment provided by the invention.
Component label instructions
401 receiving units
402 processing units
403 monitoring units
404 adjustment units
501 transmitting elements
601 processors
602 communication interfaces
603 memories
604 communication bus
S101~S105 steps
S201~S202 steps
S301~S305 steps
Embodiment
Illustrate embodiments of the present invention below by way of specific instantiation, those skilled in the art can be by this specification Disclosed content understands other advantages and effect of the present invention easily.The present invention can also pass through specific realities different in addition The mode of applying is embodied or practiced, the various details in this specification can also be based on different viewpoints with application, without departing from Various modifications or alterations are carried out under the spirit of the present invention.It should be noted that in the case where not conflicting, following examples and implementation Feature in example can be mutually combined.
It should be noted that the diagram provided in following examples only illustrates the basic structure of the present invention in a schematic way Think, only show the component relevant with the present invention in schema then rather than according to component count, shape and the size during actual implement Draw, kenel, quantity and the ratio of each component can be a kind of random change during its actual implementation, and its assembly layout kenel It is likely more complexity.
In the prior art, user applies during interim amount, it is necessary to which to user to have sent interim amount in service end adjustable After whole information, user could apply, such user applies for that interim amount is in passive state, and experience is poor.And in the present invention In, user can send amount adjust request message by user terminal to service end, so that service end progress is corresponding interim Amount adjusts, and is the adjustment that the present invention actively can be applied for carrying out interim amount by user, improves Consumer's Experience.
The present invention provides a kind of method of amount adjustment, can apply in the server of amount adjustment, amount adjustment Method, as shown in figure 1, comprising the following steps:
Step S101, account information and the encrypted message that active user is sent by user terminal are received.
It should be noted that when user actively carries out interim amount adjustment, network loaning bill production need to be installed in its user terminal The client of product.And the device adjusted by this client with amount interacts.
Specifically, user before interim amount adjustment is carried out, it is necessary to first carry out authentication.User logs on to its user The client of the network loaning bill product of terminal, now, when logging in, it is necessary to input account information and encrypted message, and by account Information and encrypted message are sent to the device of amount adjustment.The device of amount adjustment is receiving the account letter of user terminal transmission After breath and encrypted message, active user can be detected according to the account information and encrypted message of the validated user stored in caching The account information and encrypted message sent by user terminal.If the account information and password of the validated user stored in the buffer Information has one that the account information and encrypted message that are sent with active user by user terminal match, then can determine that current User is validated user, if the account information of the validated user stored in the buffer and encrypted message do not pass through with active user The account information and match one of encrypted message that user terminal is sent, then can determine that active user is illegal user.
It should be noted that amount adjustment device when it is determined that active user be illegal user, can to user end End returns to the message of the illegal user of active user, no longer performs following step.
Step S102, when it is determined that active user is validated user, the essential information of active user is obtained, and according to current The essential information of user determines whether active user being capable of the interim amount of active accommodation.
Specifically, amount adjustment device when it is validated user to determine active user, can be according to the account of user The essential information of the user of information searching caching, and then get the essential information of active user.According to the basic of active user Information, checks whether the essential information of active user meets preparatory condition, and then determines whether active user being capable of active accommodation Interim amount.
It should be noted that the essential information of user includes but does not limit the data information of user, refund information etc..
Further, the device of amount adjustment determines whether active user can be actively according to the essential information of active user Adjusting interim amount includes:The device of amount adjustment detects the complete of the data information of the user in the essential information of active user Whether degree is more than first threshold, and the refund of its refund information is evaluated whether to be good.The device of amount adjustment is detecting to work as The integrity degree of the data information of user in the essential information of preceding user is more than first threshold, and the refund evaluation of its refund information For it is good when, then can determine that active user is being capable of the interim amount of active accommodation.The device of amount adjustment is detecting currently The integrity degree of the data information of user in the essential information of user is not more than first threshold, and/or the refund of its refund information When evaluation is not good, then it can determine that active user is unable to the interim amount of active accommodation.
Pre-set according to the actual requirements it should be noted that first threshold is keeper.
Further, the device of amount adjustment can only carry out the adjustment of interim amount to the user of logging status, in order to User is prevented after the client of network loaning bill product has been logged in, not to carrying out any action in client, and as The user of the offline logging status of background application operation carries out the adjustment of interim amount, and the device of amount adjustment can obtain Before taking the essential information of active user, whether the logging status for first detecting active user is logging status.It is determined that The logging status of active user for logging status when, further obtaining the essential information of active user, and use according to current The essential information at family determines whether active user being capable of the interim amount of active accommodation.
Step S103, it is determined that active user can active accommodation interim amount when, whether monitoring receives active user The interim amount adjust request message sent by user terminal.
Specifically, the device of amount adjustment determine active user can active accommodation interim amount when, illustrate currently User can be when its demand adjusts interim amount, and the device adjusted to amount sends interim amount adjust request message, actively Ask the adjustment of interim amount.Now, whether the device of amount adjustment can be monitored in real time receives active user and passes through it User terminal sends interim amount adjust request message to the device that amount adjusts.
Further, interim amount adjust request message includes:Deliberate action instruction message.
Specifically, user is disappeared by user terminal to the interim amount adjust request of device transmission that amount adjusts for convenience Breath, when user terminal can be moved according to predetermined tracks by user, the device increased is adjusted to send interim amount to amount Adjust request message.Now, user to the interim amount adjust request message that user terminal is sent be deliberate action instruction message. Now, the interim amount adjust request message that the device of amount adjustment receives is deliberate action instruction message.
Further, predetermined movement instruction message is to rock message.As, user terminal is detecting that user rocks user During terminal, the user terminal of detection can be rocked to message and sent as interim amount adjust request message to the dress of amount adjustment Put.Now, the interim amount adjust request message that the device of amount adjustment receives rocks message for user terminal.
Step S104, the interim amount adjust request message that receives active user and sent by user terminal is being monitored out When, the amount adjustment relevant information of active user is obtained, relevant information is adjusted according to the amount of active user and determines active user Interim amount adjusted value.
Wherein, the amount adjustment relevant information of user includes essential information, reputation information and the current amount of money of active user Information.
Specifically, the device of amount adjustment is monitoring out the interim amount that receives active user and sent by user terminal After adjust request message, know that user needs to carry out the adjustment of interim amount, now, the device of amount adjustment can be according to current The account information of user obtains the essential information of active user, and then obtains the amount adjustment relevant information of active user, and root The interim amount adjusted value of active user is determined according to the amount adjustment relevant information of active user.
Further, the interim amount adjusted value bag of active user is determined according to the amount of active user adjustment relevant information Include:
Monitor out receive interim amount adjust request message that active user is sent by user terminal when, current The essential information of user meets the first preparatory condition, true according to current amount information when reputation information meets the second preparatory condition Make the interim amount adjusted value of the active user.
Wherein, the first preparatory condition is that keeper is set in advance to the demand of the essential information of user according to reality.The Two preparatory conditions are that keeper is set in advance to the demand of reputation information according to reality.
That is, the device of amount adjustment is monitoring out the interim volume that receives active user and sent by user terminal When spending adjust request message, the amount adjustment relevant information of the user of acquisition includes the essential information of active user, reputation information, And current amount information, now, whether the essential information that the device that amount adjusts can detect active user meets that first is default Whether condition, its reputation information meet the second preparatory condition.Meet that first is default in the integrity degree of the essential information of active user Condition, and during reputation information the second preparatory condition of satisfaction, illustrating the interim amount of active user can be adjusted.Now, volume The device of degree adjustment can determine its interim amount adjusted value according to the current amount information of active user.
Further, can be with the data information and refund information of the essential information including active user of active user Set the first preparatory condition and be more than Second Threshold as the data information integrity degree of active user, refund information is good.Now, volume The device of adjustment is spent when getting the essential information of active user, can detect the current use in the essential information of active user Whether the data information integrity degree at family is more than Second Threshold, and whether its refund information is good.If detect the base of active user The data information integrity degree of active user in this information is more than Second Threshold, and refund information is good, then can determine current The essential information of user meets the first preparatory condition, otherwise determines that the essential information of active user is unsatisfactory for the first preparatory condition.
It should be noted that the device of amount adjustment can obtain the prestige letter of active user from third party's intermediary agent structure Breath, and then check whether the reputation information of acquisition meets the second preparatory condition.For example, the second preparatory condition, which is prestige, is more than 400 Point.Now, the device of amount adjustment can obtain the reputation of active user from third party's intermediary agent structure, and then check from the Whether the reputation for the active user that tripartite's intermediary agent structure obtains is more than 400 points, more than 400 timesharing, then can determine that prestige Information meets the second preparatory condition, no more than 400 timesharing, then can determine that reputation information is unsatisfactory for the second preparatory condition.
Further, the device of amount adjustment determines interim amount adjusted value according to the current amount information of active user When, interim amount adjusted value can be defined as twice or 1.5 times of the current amount of money.It is, of course, also possible to be other values, this hair It is bright that this is not restricted.
Step S105, according to the interim amount adjusted value of active user, the interim amount of user is adjusted.
Specifically, amount adjustment device after it is determined that removing the interim amount adjusted value of active user, can be according to determination The interim amount adjusted value of the active user gone out is adjusted correspondingly to the interim amount of active user.
So, user can send interim amount to the device that amount adjusts and adjust when that need to adjust interim amount Request message, the device of amount adjustment can be faced accordingly according to the interim amount adjust request message that user terminal is sent When amount adjust, realize the purpose for by using the interim amount of family active accommodation, improving Consumer's Experience.
As shown in Fig. 2 the embodiments of the invention provide a kind of method of amount adjustment, comprise the following steps:
Step S201, account information and encrypted message are sent to the device that amount adjusts.
Specifically, user log in its user terminal network loaning bill product client when, can be defeated to user terminal Enter account information and encrypted message, the device that now user terminal need to adjust to amount sends the account that the user of its reception inputs Information and encrypted message.
Step S202, when the device checking active user of amount adjustment is validated user, the device adjusted to amount is sent out Send interim amount adjust request message.
Specifically, user terminal needs when the device checking active user that amount adjusts is validated user in active user When adjusting interim amount, interim amount adjust request message can be sent to the device that amount adjusts by this user terminal.
Further, interim amount adjust request message includes:Deliberate action instruction message.
Now, when the device checking active user of amount adjustment is validated user, face to the device transmission that amount adjusts When amount adjust request message include:When the device checking active user of amount adjustment is validated user, if user terminal is pressed Moved according to desired trajectory, then send deliberate action instruction message to the device that amount adjusts.
Specifically, user sends interim amount request message by user terminal to the device that amount adjusts for convenience, When the device that can need to adjust to amount in user sends interim amount adjust request message, user moves according to desired trajectory User terminal so that user terminal moves according to desired trajectory, and now, user terminal can detect its own according to pre- Fixed track moves, and then can send deliberate action instruction message to the device that amount adjusts.
Further, in order to simplify movement locus, then desired trajectory can be set as the user terminal that rolls.This When, interim amount adjust request message includes:User terminal rocks message.
So, when the device checking active user of amount adjustment is validated user, the device adjusted to amount is sent out Interim amount adjust request message is sent to include:When the device checking active user of amount adjustment is validated user, use is detected When family terminal rocks message, message is rocked to the device transmission user terminal that amount adjusts.
That is, the interim amount request of device transmission that user is adjusted by user terminal to amount for convenience disappears Breath, when the device that can need to adjust to amount in user sends interim amount adjust request message, user rocks user terminal, User terminal can detect that user terminal rocks message, and user terminal is rocked into message when user rocks user terminal Send to the device of amount adjustment.User terminal can be rocked message and entered as interim amount request message by the device of amount adjustment The corresponding processing of row.
It should be noted that desired trajectory can also be other tracks, such as rock user terminal, or other up and down Straight line or curvilinear path, the present invention are without limitation.
It should be noted that user can also promote user terminal to be sent in advance to the device that amount adjusts by other actions If action command message.For example, the device that user can promote user terminal to be adjusted to amount by sending particular picture information Send deliberate action instruction message.Or other actions, specific deliberate action or desired trajectory are by keeper according to reality Demand is set, the invention is not limited in this regard.
It should be noted that the device of amount adjustment after having verified that active user is validated user, can be used to current The user terminal at family returns to the message of the validated user of active user.
So, user can directly be adjusted when needing to carry out interim amount adjustment by user terminal to amount Device send interim amount adjust request message so that after the device of amount adjustment receives interim amount adjust request message Corresponding interim amount adjustment is carried out, realizes the purpose for by using the interim amount of family active accommodation, improving Consumer's Experience.
As shown in figure 3, the embodiments of the invention provide a kind of method of amount adjustment, including:
Step S301, user terminal sends account information and encrypted message to the device that amount adjusts.The dress of amount adjustment Put account information and the encrypted message for receiving that active user is sent by user terminal.
Specifically, referring to step S201 and step S101, will not be repeated here.
Step S302, when it is determined that active user is validated user, the device of amount adjustment obtains the basic of active user Information, and determine whether active user being capable of the interim amount of active accommodation according to the essential information of active user.
Specifically, referring to step S102, will not be repeated here.
It should be noted that amount adjustment device when it is determined that active user is validated user, can be to active user Return to the message of the validated user of active user.
Step S303, user terminal is adjusted when the device checking active user that amount adjusts is validated user to amount Engagement positions send interim amount adjust request message.It is determined that active user can active accommodation interim amount when, amount adjustment Device monitor whether receive the interim amount adjust request message that active user is sent by user terminal.
Specifically, step S202 is referred to, and step S103, it will not be repeated here.
Step S304, the interim amount adjust request message that receives active user and sent by user terminal is being monitored out When, the device of amount adjustment obtains the amount adjustment relevant information of active user, and related letter is adjusted according to the amount of active user Breath determines the interim amount adjusted value of active user.
Wherein, the amount adjustment relevant information of user includes essential information, reputation information and the current amount of money of active user Information.
Specifically, referring to step S104, will not be repeated here.
Step S305, the device of amount adjustment adjusts the interim volume of user according to the interim amount adjusted value of active user Degree.
Specifically, referring to step S105, will not be repeated here.
A kind of method of amount adjustment of the present invention, has the advantages that:The device of amount adjustment receives current use The account information and encrypted message that family is sent, when it is determined that active user is validated user, can obtain the basic of active user Information, according to the essential information of this active user determine active user whether can the interim amount of active accommodation, in active user Can active accommodation interim amount when, if monitor out receive interim amount adjustment that active user is sent by user terminal please When seeking message, the amount adjustment relevant information of user, determines the interim amount adjusted value of active user before acquisition, current according to this The interim amount adjusted value of user, adjust the interim amount of user.So, user be when that need to adjust interim amount, can be with The device adjusted to amount sends interim amount adjust request message, and the device of amount adjustment can be according to user terminal transmission Interim amount adjust request message carries out corresponding interim amount adjustment, realizes by using the interim amount of family active accommodation, carries The purpose of high Consumer's Experience.
As shown in figure 4, the embodiments of the invention provide a kind of device of amount adjustment, including:
Receiving unit 401, for receiving account information and the encrypted message that active user is sent by user terminal.
Processing unit 402, for when it is determined that active user is validated user, obtaining the essential information of active user, and Determine whether active user being capable of the interim amount of active accommodation according to the essential information of active user.
Monitoring unit 403, for it is determined that active user can active accommodation interim amount when, whether monitoring, which receives, is worked as The interim amount adjust request message that preceding user is sent by user terminal.
Wherein, interim amount adjust request message includes:Deliberate action instruction message.
Processing unit 402, it is additionally operable to receive the interim amount that active user sent by user terminal and adjust monitoring out During whole request message, the amount adjustment relevant information of active user is obtained, it is true that relevant information is adjusted according to the amount of active user Determine the interim amount adjusted value of active user.
Wherein, the amount adjustment relevant information of user includes essential information, reputation information and the current amount of money of active user Information.
Specifically, processing unit 402, meets the first preparatory condition, prestige specifically for the essential information in active user When information meets the second preparatory condition, the interim amount adjusted value of active user is determined according to current amount information.
Adjustment unit 404, the interim amount adjusted value according to active user is additionally operable to, adjusts the interim amount of user.
So, user can send interim amount to the device that amount adjusts and adjust when that need to adjust interim amount Request message, the device of amount adjustment can be faced accordingly according to the interim amount adjust request message that user terminal is sent When amount adjust, realize the purpose for by using the interim amount of family active accommodation, improving Consumer's Experience.
As shown in figure 5, the embodiments of the invention provide a kind of user terminal, including:
Transmitting element 501, the device for being adjusted to amount send account information and encrypted message.
Transmitting element 501, it is additionally operable to, when the device checking active user of amount adjustment is validated user, adjust to amount Engagement positions send interim amount adjust request message.
Wherein, interim amount adjust request message includes:Deliberate action instruction message.
Specifically, transmitting element 501, when specifically for the device adjusted in amount, to verify active user be validated user, Moved if detecting according to desired trajectory, the device adjusted to amount sends user terminal and rocks message.
So, user can directly be adjusted when needing to carry out interim amount adjustment by user terminal to amount Device send interim amount adjust request message so that after the device of amount adjustment receives interim amount adjust request message Corresponding interim amount adjustment is carried out, realizes the purpose for by using the interim amount of family active accommodation, improving Consumer's Experience.
It should be noted that the embodiment of the device of above-mentioned amount adjustment can apply in the server of amount adjustment, The server of amount adjustment is specifically introduced below.
As shown in fig. 6, the embodiments of the invention provide a kind of server of amount adjustment, including:Processor (processor) 601, communication interface (Communications Interface) 602, memory (memory) 603 and communication Bus 604;Wherein, the processor 601, the communication interface 602 and the memory 603 pass through the communication bus 604 Complete mutual communication.
Processor 601 is probably a central processor CPU, or specific integrated circuit ASIC (Application Specific Integrated Circuit), or it is arranged to implement the integrated electricity of one or more of the embodiment of the present invention Road.
Memory 603 is used to deposit program code, and described program code includes computer-managed instruction.Memory 403 can Can high-speed RAM memory be included, it is also possible to also including nonvolatile memory (non-volatile memory), for example, at least One magnetic disk storage.Memory 603 can also store Various types of data, such as the essential information of user, the accounts information of user And encrypted message etc..
Further, the information such as the essential information of user, the accounts information of user and encrypted message can be buffered in storage The fortune of device 603 deposits region, and so, the server of amount adjustment can need to use essential information, the account of user of user During the information such as information and encrypted message, directly it can be obtained in the fortune of memory 603 deposits region.And needing long-time users , can be by the essential information of above-mentioned user, the account of user during the information such as essential information, the accounts information of user and encrypted message The information such as information and encrypted message is preserved into hard disk, and now, memory 603 can be hard disk.
Communication interface 602, for receiving account information and the encrypted message that active user is sent by user terminal.
The configuration processor code of processor 601, for when it is determined that active user is validated user, obtaining the base of active user This information, and determine whether active user being capable of the interim amount of active accommodation according to the essential information of active user;It is determined that working as Preceding user can active accommodation interim amount when, whether monitoring receives the interim amount that active user is sent by user terminal Adjust request message;Monitor out receive interim amount adjust request message that active user is sent by user terminal when, The amount adjustment relevant information of active user is obtained, relevant information is adjusted according to the amount of active user and determines facing for active user When amount adjusted value;According to the interim amount adjusted value of active user, the interim amount of user is adjusted.
Wherein, the amount adjustment relevant information of user includes the essential information of active user, reputation information, and the current amount of money Information.
Processor 601, specifically for meeting the first preparatory condition in the essential information of active user, reputation information meets the During two preparatory conditions, the interim amount adjusted value of active user is determined according to current amount information.
Further, interim amount adjust request message includes:Deliberate action instruction message.
So, user can send interim amount to the server that amount adjusts and adjust when that need to adjust interim amount Whole request message, the interim amount adjust request message that the server of amount adjustment can be sent according to user terminal are carried out accordingly Interim amount adjustment, realize the purpose for by using the interim amount of family active accommodation, improving Consumer's Experience.
In summary, the present invention effectively overcomes various shortcoming of the prior art and has high industrial utilization.
The above-described embodiments merely illustrate the principles and effects of the present invention, not for the limitation present invention.It is any ripe Know the personage of this technology all can carry out modifications and changes under the spirit and scope without prejudice to the present invention to above-described embodiment.Cause This, those of ordinary skill in the art is complete without departing from disclosed spirit and institute under technological thought such as Into all equivalent modifications or change, should by the present invention claim be covered.

Claims (10)

  1. A kind of 1. method of amount adjustment, it is characterised in that comprise the following steps:
    Receive account information and the encrypted message that active user is sent by user terminal;
    When it is determined that the active user is validated user, the essential information of the active user is obtained, and according to described current The essential information of user determines whether the active user being capable of the interim amount of active accommodation;
    It is determined that the active user can active accommodation interim amount when, monitoring whether receive the active user by using The interim amount adjust request message that family terminal is sent;
    Monitor out receive interim amount adjust request message that the active user is sent by user terminal when, obtain institute The amount adjustment relevant information of active user is stated, adjusting relevant information according to the amount of the active user determines the current use The interim amount adjusted value at family;The amount adjustment relevant information of the user includes essential information, the prestige of the active user Information and current amount information;
    According to the interim amount adjusted value of the active user, the interim amount of the user is adjusted.
  2. 2. the method for amount adjustment according to claim 1, it is characterised in that:
    The interim amount adjust request message includes:Deliberate action instruction message.
  3. 3. the method for amount adjustment according to claim 1 or 2, it is characterised in that:It is described according to the active user's Amount adjustment relevant information determines that the interim amount adjusted value of the active user includes:
    Meet the first preparatory condition in the essential information of the active user, when reputation information meets the second preparatory condition, according to Current amount information determines the interim amount adjusted value of the active user.
  4. A kind of 4. method of amount adjustment, it is characterised in that comprise the following steps:
    The device adjusted to amount sends account information and encrypted message;
    When the device checking active user of amount adjustment is validated user, the engagement positions adjusted to the amount are sent temporarily Amount adjust request message.
  5. 5. the method for amount adjustment according to claim 4, it is characterised in that:
    The interim amount adjust request message includes:Deliberate action instruction message;
    When the device checking active user of amount adjustment is validated user, the device adjusted to the amount is sent temporarily Amount adjust request message includes:
    When the device checking active user of amount adjustment is validated user, if user terminal moves according to desired trajectory, Then deliberate action instruction message is sent to the device that the amount adjusts.
  6. A kind of 6. device of amount adjustment, it is characterised in that including:
    Receiving unit, for receiving account information and the encrypted message that the active user is sent by user terminal;
    Processing unit, for when it is determined that the active user is validated user, obtaining the essential information of the active user, and Determine whether the active user being capable of the interim amount of active accommodation according to the essential information of the active user;
    Monitoring unit, for it is determined that the active user can active accommodation interim amount when, whether monitoring receives described The interim amount adjust request message that active user is sent by user terminal;
    Processing unit, be additionally operable to monitor out receive interim amount adjustment that the active user sent by user terminal please When seeking message, the amount adjustment relevant information of the active user is obtained, related letter is adjusted according to the amount of the active user Breath determines the interim amount adjusted value of the active user;The amount adjustment relevant information of the user includes the active user Essential information, reputation information and current amount information;
    Adjustment unit, the interim amount adjusted value according to the active user is additionally operable to, adjusts the interim amount of the user.
  7. 7. the device of amount adjustment according to claim 6, it is characterised in that:
    The interim amount adjust request message includes:Deliberate action instruction message.
  8. 8. the device of the amount adjustment according to claim 6 or 7, it is characterised in that:
    The processing unit is full specifically for essential information the first preparatory condition of satisfaction in the active user, reputation information During the second preparatory condition of foot, the interim amount adjusted value of the active user is determined according to current amount information.
  9. A kind of 9. user terminal, it is characterised in that including:
    Transmitting element, the device for being adjusted to amount send account information and encrypted message;
    The transmitting element, it is additionally operable to when the device checking active user of amount adjustment is validated user, to the volume The engagement positions that degree is adjusted send interim amount adjust request message.
  10. 10. user terminal according to claim 9, it is characterised in that:
    The interim amount adjust request message includes:Deliberate action instruction message;
    The transmitting element, when to verify active user be validated user specifically for the device that is adjusted in the amount, if detecting Moved to according to desired trajectory, then sending user terminal to the device that the amount adjusts rocks message.
CN201610802593.2A 2016-09-05 2016-09-05 A kind of method and device of amount adjustment Pending CN107798595A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201610802593.2A CN107798595A (en) 2016-09-05 2016-09-05 A kind of method and device of amount adjustment

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201610802593.2A CN107798595A (en) 2016-09-05 2016-09-05 A kind of method and device of amount adjustment

Publications (1)

Publication Number Publication Date
CN107798595A true CN107798595A (en) 2018-03-13

Family

ID=61530642

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201610802593.2A Pending CN107798595A (en) 2016-09-05 2016-09-05 A kind of method and device of amount adjustment

Country Status (1)

Country Link
CN (1) CN107798595A (en)

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110210960A (en) * 2019-05-20 2019-09-06 深圳壹账通智能科技有限公司 A kind of data adjustment method and relevant device based on data analysis
CN110490594A (en) * 2019-07-18 2019-11-22 招联消费金融有限公司 Business data processing method, device, computer equipment and storage medium
CN110992025A (en) * 2019-11-28 2020-04-10 中国银行股份有限公司 User amount adjusting method and device
CN111191166A (en) * 2019-12-20 2020-05-22 上海淇玥信息技术有限公司 Method and device for displaying service page and electronic equipment
CN111258750A (en) * 2020-01-07 2020-06-09 支付宝(杭州)信息技术有限公司 Data volume processing method and system, and quota allocation method and system
CN111738839A (en) * 2020-06-22 2020-10-02 中国银行股份有限公司 Credit card limit data adjusting method and device

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101398925A (en) * 2008-11-14 2009-04-01 中国工商银行股份有限公司 System and method for financing from banking house by external credit system of the bank
CN102270332A (en) * 2010-06-02 2011-12-07 深圳发展银行股份有限公司 System and method for guaranteeing safe use of credit line of credit card of client
CN104361518A (en) * 2014-10-29 2015-02-18 中国建设银行股份有限公司 Data processing method and device
CN104463679A (en) * 2014-12-19 2015-03-25 上海斐讯数据通信技术有限公司 Virtual currency transaction system and method
CN104616194A (en) * 2014-12-31 2015-05-13 腾讯科技(深圳)有限公司 Data processing method and payment platform
US20160125529A1 (en) * 2014-11-03 2016-05-05 Mastercard International Incorporated System and method for real-time chargeoff monitoring

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101398925A (en) * 2008-11-14 2009-04-01 中国工商银行股份有限公司 System and method for financing from banking house by external credit system of the bank
CN102270332A (en) * 2010-06-02 2011-12-07 深圳发展银行股份有限公司 System and method for guaranteeing safe use of credit line of credit card of client
CN104361518A (en) * 2014-10-29 2015-02-18 中国建设银行股份有限公司 Data processing method and device
US20160125529A1 (en) * 2014-11-03 2016-05-05 Mastercard International Incorporated System and method for real-time chargeoff monitoring
CN104463679A (en) * 2014-12-19 2015-03-25 上海斐讯数据通信技术有限公司 Virtual currency transaction system and method
CN104616194A (en) * 2014-12-31 2015-05-13 腾讯科技(深圳)有限公司 Data processing method and payment platform

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
刘延焕 等: "《金融干部网上银行知识读本》", 30 April 2003 *

Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110210960A (en) * 2019-05-20 2019-09-06 深圳壹账通智能科技有限公司 A kind of data adjustment method and relevant device based on data analysis
CN110490594A (en) * 2019-07-18 2019-11-22 招联消费金融有限公司 Business data processing method, device, computer equipment and storage medium
CN110490594B (en) * 2019-07-18 2022-06-17 招联消费金融有限公司 Service data processing method and device, computer equipment and storage medium
CN110992025A (en) * 2019-11-28 2020-04-10 中国银行股份有限公司 User amount adjusting method and device
CN111191166A (en) * 2019-12-20 2020-05-22 上海淇玥信息技术有限公司 Method and device for displaying service page and electronic equipment
CN111191166B (en) * 2019-12-20 2023-08-08 上海淇玥信息技术有限公司 Business page display method and device and electronic equipment
CN111258750A (en) * 2020-01-07 2020-06-09 支付宝(杭州)信息技术有限公司 Data volume processing method and system, and quota allocation method and system
CN111258750B (en) * 2020-01-07 2023-06-20 支付宝(杭州)信息技术有限公司 Data volume processing method and system, and credit allocation method and system
CN111738839A (en) * 2020-06-22 2020-10-02 中国银行股份有限公司 Credit card limit data adjusting method and device
CN111738839B (en) * 2020-06-22 2023-10-27 中国银行股份有限公司 Credit card limit data adjustment method and device

Similar Documents

Publication Publication Date Title
CN107798595A (en) A kind of method and device of amount adjustment
US11328331B2 (en) Methods, devices, and systems for sending and receiving virtual goods
CN111404887B (en) Service processing method and device
CN110365491A (en) Method for processing business, device, equipment, storage medium and data-sharing systems
US11676141B2 (en) Block chain-based asset processing method, device, apparatus and storage medium
CN104660481A (en) Instant messaging processing method and device
CN105933266A (en) Verification method and server
CN107707509A (en) Identify and assist in identifying the method, apparatus and system of false flow
US20160371366A1 (en) Contact Management Method and Apparatus
US20200364718A1 (en) Method and apparatus for real-time fraud machine learning model execution module
CN104618415A (en) Method, device and system for creating credit account
US10922667B2 (en) Transaction interactions between node groups
CN105471704A (en) Multi-user conversation realization method, device and system
US11659087B1 (en) Transaction fraud prevention tool
CN109670931A (en) Behavioral value method, apparatus, equipment and the storage medium of loan user
CN106878236A (en) A kind of user's request processing method and equipment
CA3036008A1 (en) Systems and methods for detecting and reporting fraud in transactions
CN104954340A (en) Proxy IP address detection method and device
CN111054079A (en) Information query method and device, electronic equipment and storage medium
CN107169766A (en) A kind of safety detection method of payment environment, device and electronic equipment
CN106326768B (en) A kind of approaches to IM, device and intelligent terminal
CN109120548A (en) A kind of flow control methods and device
CN111767558A (en) Data access monitoring method, device and system
CN104618336A (en) Account number management method, device and system
CN104881295A (en) Window display processing method and device

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
RJ01 Rejection of invention patent application after publication
RJ01 Rejection of invention patent application after publication

Application publication date: 20180313