CN109389289A

CN109389289A - Temporarily transfer the processing method and processing device of resource

Info

Publication number: CN109389289A
Application number: CN201811056300.6A
Authority: CN
Inventors: 王婷婷
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2018-09-11
Filing date: 2018-09-11
Publication date: 2019-02-26

Abstract

This specification embodiment provides a kind of processing method and processing device for temporarily transferring resource, this method comprises: obtaining the resource-related data that target temporarily transfers resource；Wherein, which, which includes at least, temporarily transfers total number resource amount and resource repayment information；Information is repaid according to the secondment total number resource amount and resource of acquisition, strategy is mentioned according to the meter of setting and proposes stock number from the meter for temporarily transferring the time to the calculating time at interval of setting time interval calculation；Wherein, meter proposes stock number characterization from the secondment time to the first difference the accumulative newly-increased stock number generated of calculating time target secondment resource and the newly-increased stock number taken in from the secondment time to the calculating time；Stock number is proposed according to the meter being calculated, is generated from the time is temporarily transferred to the secondment asset report for calculating the time.

Description

Temporarily transfer the processing method and processing device of resource

Technical field

This application involves field of computer technology more particularly to a kind of processing method and processing devices for temporarily transferring resource.

Background technique

With the development of information technology, people are for money, memory space, integral, ideal money, data processing resources etc. The demand of all kinds of resources is also more and more.But under the scene of certain application resources, it is understood that there may be the insufficient feelings of own resource Condition can temporarily transfer resource to other resource owners or mechanism, platform etc., with full to meet currently the needs of to resource Foot is currently to the demand of resource.Therefore, resource secondment also generates therewith.

Lending side is most of to provide resource, theoretically, lending side to party in request with compensation when providing resource to party in request From to party in request provide resource on the day of will then generate newly-increased stock number, lending side for the ease of being managed to resource, Need to temporarily transfer resource to this and record, and party in request repay it is clear temporarily transfer resource after, receivable resource further according to record and The resource of actual discharge carries out reconciliation.But in some cases, by rounding up or platform is shared in the benefit etc. causes to be recorded Generation newly-increased stock number and the newly-increased stock number repaid of party in request between it is inconsistent, that is, it is poor to there is tail, still, from record It is poor that the resource tail can not be embodied in account, therefore it is poor to need to check tail when subsequent reconciliation, so that accounting processing processing consumes When and trouble.

Therefore, it is necessary to propose a kind of scheme, the tail difference of generation can be embodied in resource account, be convenient for subsequent reconciliation The processing of business.

Summary of the invention

The purpose of this specification embodiment is to provide a kind of processing method and processing device for temporarily transferring resource, temporarily transfers calculating target When the meter of resource proposes stock number, by the newly-increased stock number generated from the secondment time to calculating time cumulation and within this time The newly-increased stock number of real revenue combines, if due to round up or platform share in the benefit ratio the problems such as lead to real revenue Newly-increased stock number to produce resource tail poor, which can be embodied in meter calculated and mentioned in stock number, that is, generated Tail difference resource be embodied in always in resource account, account is clear, convenient for processing when subsequent reconciliation to resource tail difference, makes It is simple and convenient to obtain accounting processing.

In order to solve the above technical problems, this specification embodiment is achieved in that

This specification embodiment provides a kind of processing method for temporarily transferring resource, comprising:

Obtain the resource-related data that target temporarily transfers resource；Wherein, the resource-related data, which includes at least, temporarily transfers resource Total quantity and resource repay information；

Information is repaid according to the secondment total number resource amount of acquisition and the resource, mentions strategy every according to the meter of setting Stock number is proposed from the meter for temporarily transferring the time to the calculating time every setting time interval calculation；Wherein, it is described meter mention stock number characterization from Target described in the secondment time to the calculating time temporarily transfers the accumulative newly-increased stock number generated of resource and from when the secondment Between to the first difference between the newly-increased stock number taken in of calculating time；

Stock number is proposed according to the meter being calculated, is generated from the secondment time to the secondment money for calculating the time Source report.

This specification embodiment additionally provides a kind of processing unit for temporarily transferring resource, comprising:

First obtains module, obtains the resource-related data that target temporarily transfers resource；Wherein, the resource-related data is at least Information is repaid including temporarily transferring total number resource amount and resource；

Computing module repays information according to the secondment total number resource amount of acquisition and the resource, according to the meter of setting It mentions strategy and proposes stock number from the meter for temporarily transferring the time to the calculating time at interval of setting time interval calculation；Wherein, the meter proposes money Source scale sign target described in from the secondment time to the calculating time temporarily transfer the accumulative newly-increased stock number generated of resource with from First difference temporarily transferred between the newly-increased stock number that the time is taken in the calculating time；

Generation module proposes stock number according to the meter being calculated, generates from the secondment time to when the calculating Between secondment asset report.

This specification embodiment additionally provides a kind of processing equipment for temporarily transferring resource, comprising:

Processor；And

It is arranged to the memory of storage computer executable instructions, the executable instruction makes the place when executed Manage device:

This specification embodiment additionally provides a kind of storage medium, described to hold for storing computer executable instructions Following below scheme is realized in row instruction when executed:

Technical solution in the present embodiment, calculate target temporarily transfer resource meter propose stock number when, will from temporarily transfer the time to The newly-increased stock number and the newly-increased stock number of real revenue combines within this time that time cumulation generates are calculated, if by In round up or platform share in the benefit ratio the problems such as lead to the newly-increased stock number of real revenue to produce resource tail poor, can will The resource tail difference is embodied in meter calculated and mentions in stock number, that is, the tail difference resource generated is embodied in always in resource account, account It is engaged in clear, convenient for processing when subsequent reconciliation to resource tail difference, so that accounting processing is simple and convenient.

Detailed description of the invention

In order to illustrate more clearly of this specification embodiment or technical solution in the prior art, below will to embodiment or Attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, the accompanying drawings in the following description is only Some embodiments as described in this application, for those of ordinary skill in the art, before not making the creative labor property It puts, is also possible to obtain other drawings based on these drawings.

Fig. 1 is one of the flow diagram of processing method for the secondment resource that this specification embodiment provides；

Fig. 2 is the two of the flow diagram of the processing method for the secondment resource that this specification embodiment provides；

Fig. 3 is the three of the flow diagram of the processing method for the secondment resource that this specification embodiment provides；

Fig. 4 is the module composition schematic diagram of the processing unit for the secondment resource that this specification embodiment provides；

Fig. 5 is the structural schematic diagram of the processing equipment for the secondment resource that this specification embodiment provides.

Specific embodiment

In order to make those skilled in the art better understand the technical solutions in the application, below in conjunction with this specification Attached drawing in embodiment is clearly and completely described the technical solution in this specification embodiment, it is clear that described Embodiment is merely a part but not all of the embodiments of the present application.Based on the embodiment in the application, this field Those of ordinary skill's every other embodiment obtained without creative efforts, all should belong to the application The range of protection.

The thought of this specification embodiment is, will be from borrowing when calculating the meter for temporarily transferring resource for target and proposing stock number To the newly-increased stock number for calculating time cumulation generation and within this time, the newly-increased stock number of real revenue is mutually tied between timing Close, if due to round up or platform share in the benefit ratio the problems such as cause the newly-increased stock number of real revenue to produce resource tail The tail difference resource of generation can be embodied in always in resource account by difference, the method by providing this specification embodiment；Base In this thought, this specification embodiment provides a kind of processing method, appliance arrangement and storage medium for temporarily transferring resource.It is following to incite somebody to action It is introduced in detail one by one.

Fig. 1 is the processing method for the secondment resource that this specification embodiment provides, and method shown in FIG. 1 includes at least such as Lower step:

Step 102, the resource-related data that target temporarily transfers resource is obtained；Wherein, which includes at least and borrows Source total quantity of raising wages and resource repay information.

In the specific implementation, it can be target loan fund that above-mentioned target, which temporarily transfers resource,.It is above-mentioned under this kind of application scenarios Temporarily transferring total number resource amount to repay information for debt-credit total fund, resource can be the date of payment of target loan fund, debt-credit Interest rate etc.；If amortization, then above-mentioned resource repay information can for each refund, each date of payment and Borrowing rate etc..

Certainly, above-mentioned target temporarily transfers resource other than for target loan fund, can also temporarily transfer space for target, target is borrowed Integral, target is adjusted to temporarily transfer data processing resources and target debt-credit ideal money etc..

Wherein, the resource dependency number that target temporarily transfers resource can be read from resource database is temporarily transferred in above-mentioned steps 102 According to.

Step 104, information is repaid according to the secondment total number resource amount and resource of acquisition, mentions strategy every according to the meter of setting Stock number is proposed from the meter for temporarily transferring the time to the calculating time every setting time interval calculation；Wherein, above-mentioned meter mention stock number characterization from Temporarily transfer the time to calculate newly-increased stock number that time cumulation generates with from the time is temporarily transferred to the newly-increased resource taken in of calculating time The first difference between amount.

It should be noted that in above-mentioned steps 104, above-mentioned setting time interval can as unit of hour, can also be with As unit of day, the specific value at above-mentioned setting time interval can be configured according to practical application scene, and this specification is real It applies example and is defined not to this.

For ease of understanding, following to be illustrated citing.

If interest produced by general loan fund is typically all to be with day for example, above-mentioned secondment resource is loan fund What unit was calculated, therefore, under this kind of application scenarios, above-mentioned setting time interval can be as unit of one day, above-mentioned setting Time time interval can be any number of days such as 0 day, 1 day, two days, if being divided into 0 day between above-mentioned setting time, then be daily all It calculates meter and proposes stock number.Certainly, under this kind of application scenarios, it is the amount of money for counting the fund that proposes that above-mentioned meter, which proposes stock number then,.

In addition, in above-mentioned steps 104, if for example, above-mentioned debt-credit resource is loan fund, then from the time is temporarily transferred to meter The accumulative newly-increased stock number generated of evaluation time then can be understood as from the time is temporarily transferred to the accumulative institute of calculating time target loan fund The interest of generation；Correspondingly, being then from the time is temporarily transferred to calculating from the time is temporarily transferred to the newly-increased stock number that the time is taken in is calculated The interest that the debtor that time actually receives repays.

For ease of understanding, following will be illustrated for temporarily transferring resource and being loan fund is illustrated.

For example, in the specific implementation, borrower borrowed or lent money 20,000 yuan at September 1st, the fourth phase is divided to be repaid, each issue of repayment 5,000 The debt-credit capital of member, and assume that 20,000 yuan of interests generated daily are 8 yuan, if at September 4th, borrower's advanced redemption 3 Interest caused by thousand yuan of debt-credit capital and September 1 day to September three days on the 3rd, the interest that the user being an actually-received repays are 23.00 yuan.Then the remaining loan fund of borrower was changed to 17,000 yuan from September 4th, and 17,000 yuan of hypothesis every Its interest generated is 7 yuan, then the interest that should be taken in daily from 4 same day of September is 7 yuan.For this citing, then when borrowing or lending money Between be September 1st, it is assumed that calculating the time is September 4th, then from September 1 day to September 4th, the accumulative interest generated was 8 × 3+7=31 Member is then 23.99 yuan from September 1 day to the September interest actually received on the 4th, then proposes money from meter corresponding to September 1 day to September 4th Source is 31 yuan -23.99 yuan=7.01 yuan.

Certainly, above-mentioned only exemplary illustration, the particular content illustrated do not constitute the limit to this specification embodiment It is fixed.

It is appreciated that in this specification embodiment, when calculating proposes stock number from the meter for temporarily transferring the time to the calculating time, By the newly-increased stock number that should be taken in from the secondment time to the calculating time and the newly-increased stock number phase actually received in the period In conjunction with；If in this way, from the time is temporarily transferred, to the time is calculated, to produce resource tail poor, then can reflect and propose resource in meter calculated It in amount, is convenient for checking account, and makes account clear, convenient for management, to reduce the appearance of accounts in a mess, bad credit.

Step 106, stock number is mentioned according to the meter being calculated, generated from the time is temporarily transferred to the secondment resource report for calculating the time Table.

In the specific implementation, it can generate in each calculating time from the resource report for temporarily transferring time to the calculating time Table, and export the secondment asset report.

Specifically, may include in above-mentioned secondment asset report from temporarily transfer the time to the calculating time corresponding to meter propose money Source amount；It is, of course, also possible to include the combination of the one or more in following: should be taken in from the secondment time to the calculating time Newly-increased stock number is produced from the secondment time to the incremental resource of calculating time real revenue, from secondment time to calculating time Raw resource tail is poor, from the time is temporarily transferred to calculating secondment resource and date of payment that time secondment person repays etc..

The processing method for the secondment resource that this specification embodiment provides generates money by each calculating time and temporarily transfers money The form of source report convenient for being managed to secondment resource, and makes to newly-increased stock number, income caused by secondment resource Newly-increased stock number, to temporarily transfer the information such as the repayment situation of resource, generated resource tail difference very clear.

In this specification embodiment, other than needing to calculate meter and proposing stock number, daily abatement resource can also be calculated Amount；Correspondingly, above-mentioned secondment asset report further includes the abatement stock number for calculating the time in this specification embodiment；

Therefore, the processing method for the secondment resource that this specification embodiment provides, further includes following steps:

Stock number is proposed according to meter corresponding to the previous calculating time for calculating the time, determines the abatement money of calculating time Measure data in source；The abatement stock number data of the calculating time are recorded in corresponding temporarily transfer in asset report.

The so-called previous calculating time for calculating the time can be understood as the calculating time calculated last time, for example, point The calculating that meter proposes stock number has not been carried out successively in calculating time 1, calculating time 2, calculating time 3, and calculates the time 1 earlier than meter Evaluation time 2 calculates the time 2 earlier than the time 3 is calculated, then the previous calculating time for calculating the time 2 is then to calculate the time 1, calculate The previous calculating time of time 3 is then to calculate the time 2.

Specifically, in this specification embodiment, it can be directly right by the current institute of previous calculating time for calculating the time The meter answered proposes stock number and is determined as currently calculating the abatement stock number data of time.

For ease of understanding, following to be specifically illustrated above-mentioned abatement money so that " temporarily transferring resource " be " borrowing or lending money money " as an example The determination process of source amount.

For example, in the specific implementation, calculating daily borrows or lends money meter corresponding to money from debt-credit day to same day target and proposes resource It measures (meter mentions the amount of money), it is assumed that the meter for borrowing or lending money day mentions the amount of money and is S1, is S2, from borrowing from debt-credit day to borrowing or lending money second day meter to mention the amount of money It is S3 etc. that the meter for borrowing day to debt-credit third day, which mentions the amount of money, therefore, the abatement stock number for borrowing or lending money day can be determined as 0, will borrowed The abatement stock number borrowed second day is denoted as S1, and the abatement stock number for borrowing or lending money third day is denoted as S2.

In this specification embodiment, stock number determination is proposed by the way that meter corresponding to the time previous calculating time will be calculated Currently to calculate abatement stock number corresponding to the time, in this way, meter before can be proposed stock number in each calculating time Abatement is fallen, and can have an impact to avoid certain calculating error to subsequent calculating.

In addition, in this specification embodiment, due to secondment person repay temporarily transfer resource when because rounding up or platform The problems such as ratio of sharing in the benefit, may the newly-increased stock number that should be taken in and there are differences between the newly-increased stock number of real revenue, i.e., Resource tail is poor.In this specification embodiment, by will from temporarily transfer the time to calculate time cumulation generate newly-increased stock number and The newly-increased stock number of real revenue, which combines, in this time carries out the calculating that meter proposes stock number, can make resource tail difference always It hangs on book, until still being hung on book when target secondment resource is paid off.But resource is temporarily transferred in target and is paid off When, it needs to eliminate the resource tail difference.

Therefore, the method that this specification embodiment provides further include:

The time point that resource is paid off is temporarily transferred in target, obtains and temporarily transfers the time that resource is paid off from the secondment time to target The resource tail difference data of point；The newly-increased stock number that the time point should take in is determined according to the resource tail difference data, to eliminate money Source tail is poor.

Specifically, the above-mentioned stock number for determining that the time point should take according to resource tail difference data, can be directly from Negative value between secondment to resource tail difference caused by the time point is determined as the newly-increased stock number that should be taken at the time point.

It should be noted that the time point that resource is paid off is temporarily transferred to target from the time is temporarily transferred in practical application scene, The newly-increased stock number of the newly-increased stock number and real revenue that should take in should be it is equal, still, due to depositing for resource tail difference , it should the newly-increased stock number of income may newly-increased stock number with real revenue and unequal, the newly-increased resource of real revenue Amount is less than the newly-increased stock number that take in, and difference between the two is just that resource tail is poor.Therefore, in order to eliminate secondment resource Resource tail on book is poor, can should take in using the negative value of resource tail difference as the time point paid off in secondment resource new Increase stock number, in this way, from target temporarily transfer resource the secondments time to the time point paid off, it should the newly-increased stock number of income with The newly-increased stock number of real revenue is just equal.

Specifically, can be obtained by following process in this specification embodiment from the time is temporarily transferred to target secondment money The resource tail difference data at the time point that source is paid off:

It obtains from the newly-increased stock number for temporarily transferring the accumulative generation of time to the time point and is checked and accepted from time to the time is temporarily transferred The newly-increased stock number entered；According to the newly-increased stock number of the newly-increased stock number of above-mentioned accumulative generation and income, determine from the secondment time To the resource tail difference data at the time point.

It should be noted that target temporarily transfer resource paid off on the day of, it should the newly-increased stock number of income is zero.

In the specific implementation, the time point accumulative generation for temporarily transferring that resource is paid off from the secondment time to target can be calculated Second difference of newly-increased stock number and the newly-increased stock number taken in this time；Second difference is determined as from when temporarily transferring Between arrive the time point resource tail difference data.

For ease of understanding, following to be illustrated citing.

Continue to continue to use the example above, it is assumed that at September 6th, borrower paid off remaining 17,000 yuan of wholes, and repays Interest caused by September 4 days and September two days on the 5th, September 4th are 14 yuan with two days on the 5th interests that should be taken in of September, but by In round up or platform share in the benefit ratio the problems such as, be 13.99 yuan in the September interest actually received on the 6th.

Therefore, from 1 loaning bill day of September to September repayment date on the 6th, it should the interest of income is 8 × 3+7 × 2=38 member, but It is the interest that actually receives is 13.99+23.99=37.98, generated resource tail difference is 0.02 yuan, therefore, can be by September The interest that the same day on the 6th should be taken in is determined as -0.02 yuan, in this way, from borrowing money day September 1 day to repayment date September 6th, it should take in Interest be 8+8+8+7+7-0.02=37.98, and the interest of real revenue be 13.99+23.99=37.98, therefore, also Money day, the interest of real revenue was equal with the interest that should be taken in, and it is poor to eliminate resource tail.

Following specific implementation processes that will be described in detail above-mentioned steps 104.

Specifically, temporarily transferring people when repaying secondment resource, it can repay in a lump sum, can also be repaid by stages, it is following The specific implementation process of above-mentioned steps 104 will be discussed in detail by taking amortization as an example.

In the specific implementation, resource is temporarily transferred if temporarily transferring people and amortizing target, then correspondingly, then being obtained in step 102 The resource taken repays information, at least may include: the resource quantity repaid every time and the resource interest rate collected in the setting time limit；

It should be noted that being directed to the different setting time limits, the resource interest rate collected may be different.

Correspondingly, above-mentioned steps 104, repay information according to the secondment total number resource amount and resource of acquisition, according to setting Meter mentions strategy and proposes stock number from the meter for temporarily transferring the time to the calculating time at interval of setting time interval calculation, includes the following steps (1), step (2) and step (3)；

Step (1), according to total number resource amount, the every time resource quantity repaid and above-mentioned resource interest rate is temporarily transferred, calculate from borrowing To the newly-increased stock number for calculating time cumulation generation between timing；

Step (2) is determined from the time is temporarily transferred to the newly-increased stock number for calculating time income；

Step (3), calculate the accumulative newly-increased stock number generated and income newly-increased stock number the first difference, by this first Difference is determined as proposing stock number from the secondment time to the meter for calculating the time.

It should be noted that repaid a part of time for temporarily transferring resource in this specification embodiment from user and lighted, It then should be according to the newly-increased stock number temporarily transferring Resources calculation and should taking in remaining after current repay.

In this specification embodiment, if performing first resource repayment to the time is calculated from the time is temporarily transferred；Specifically, The resource quantity repaid according to secondment total number resource amount, every time in above-mentioned steps (1) and above-mentioned resource interest rate, calculate from secondment Time to the newly-increased stock number for calculating time cumulation generation, is realized especially by following process:

It determines from the secondment time to repayment resource quantity received the calculating time, from the time is temporarily transferred to when repaying Between corresponding duration and from the time of payment to calculating duration corresponding to the time；According to secondment total number resource amount, receive Repayment resource quantity, from temporarily transfer time to the time of payment corresponding to duration, from the time of payment to calculate the time corresponding to Duration and above-mentioned resource interest rate are calculated by following formula from the time is temporarily transferred to the newly-increased stock number for calculating time cumulation generation；

Wherein, in above-mentioned formula, S_iIt indicates from the newly-increased stock number for temporarily transferring the accumulative generation of time to time i, P₁Expression is borrowed It raises wages source total quantity, N₁It indicates to temporarily transfer duration corresponding to time to the time of payment, P₂Indicate the remaining secondment number of resources after repaying Amount, N₂Duration corresponding to i was indicated from the time of payment to the time, and W indicates that resource interest rate, Y are indicated from the time is temporarily transferred to when calculating Between the newly-increased stock number taken in.

It should be noted that since secondment resource quantity remaining from the time of payment changes, calculate from It will not count the time of payment, calculated from the time of payment to when calculating when temporarily transferring duration corresponding to time to the time of payment Between corresponding duration when, then will count the time of payment.Specifically, when calculating duration, it is also necessary to consider resource interest rate Unit of account, e.g., if resource interest rate is calculated as unit of day, then above-mentioned duration calculated is then number of days, if Resource interest rate is calculated as unit of hour, then above-mentioned duration calculated is then hourage.In the specific implementation, if it is above-mentioned It is that resource is borrowed or lent money that resource, which is temporarily transferred, then the calculating of interest rate one day is unit, then above-mentioned duration is then number of days.

If the time of payment is September 4th for example, it is that resource is borrowed or lent money that resource, which is temporarily transferred, then calculating from time of payment to calculating When duration corresponding to the time, September 4th are counted, calculate from temporarily transfer time to the time of payment corresponding to duration when, September 4th are not counted then, is only calculated to September 3rd.

Wherein, the remaining resource quantity of temporarily transferring after above-mentioned repayment resource can temporarily transfer total number resource amount and repay by calculating The difference of secondment resource quantity be calculated.

The detailed process for the newly-increased stock number that above-mentioned calculating is generated from the secondment time to calculating time cumulation for ease of understanding, It is following to be specifically illustrated so that " temporarily transferring resource " is " loan fund " as an example.

For example, in the specific implementation, borrower borrowed or lent money 20,000 yuan at September 1st, the fourth phase is divided to be repaid, each issue of repayment 5,000 Member debt-credit capital, and Annual Percentage Rate be 7.3%, if 5,000 yuan of September borrower's advanced redemption on the 4th debt-credit capital with And 11.99 yuan of interest, then from 4 same day of September, the remaining loan fund of borrower is changed to 17,000 yuan, then from borrowing It borrows meter caused by day to September 4th and mentions the amount of money are as follows: ((20000 × 3+15000 × 1)/365) × 7.3%-11.99=3.01, The amount of money is mentioned from meter caused by day to September 5th is borrowed or lent money are as follows: ((20000 × 3+15000 × 2)/365) × 7.3%-11.99= 6.01。

Specifically, in above-mentioned steps (2), if receiving the newly-increased of secondment person's repayment to the time is calculated from the time is temporarily transferred The newly-increased stock number received is then determined as the newly-increased stock number taken in this time by stock number；If in this time The interior newly-increased stock number to receive secondment person's repayment, then be determined as zero for the newly-increased stock number taken in this time.

It should be noted that mentioned in step (2) to income newly-increased stock number be the newly-increased resource actually received Amount, round up or platform share in the benefit the newly-increased stock number due to ratio etc., actually received repaid with secondment people it is new Increasing stock number, there may be residual quantity, and it is poor which can be understood as resource tail.

In addition, calculating from when the secondment time proposing stock number to the meter for calculating the time in this specification embodiment, being all It counts, is not calculated on the basis of the calculated meter of upper calculated result institute proposes stock number from the time is temporarily transferred, in this way, It can lead to subsequent each generation for calculating the case where all malfunctioning to avoid the calculating error due to certain day, further ensure It is calculated to count the accuracy for proposing stock number.

Fig. 2 is the two of the flow diagram of the processing method for the secondment resource that this specification embodiment provides, shown in Fig. 2 Method includes at least following steps:

Step 202, the resource-related data that target temporarily transfers resource is obtained.

Wherein, above-mentioned resource-related data includes at least total number resource amount of temporarily transferring, the resource collected in setting time limit benefit Rate, the resource quantity repaid every time and the time for repaying resource every time etc..

Step 204, the resource quantity and resource interest rate repaid according to secondment total number resource amount, every time, calculate from when temporarily transferring Between to each newly-increased stock number for calculating accumulated time and generating for calculating meter and proposing resource.

Step 206, the newly-increased stock number taken in from the secondment time to the calculating time is determined.

Wherein, the newly-increased stock number taken in above-mentioned steps 206 can be understood as the newly-increased stock number of secondment person's repayment.

Step 208, it calculates from the secondment time to the newly-increased stock number for calculating time cumulation generation and is taken in this time Newly-increased stock number the first difference.

Step 210, above-mentioned first difference is determined as proposing stock number from the secondment time to the meter for calculating the time.

Step 212, meter corresponding to the current calculating time previous calculating time stock number is proposed to be determined as currently counting Abatement stock number corresponding to evaluation time.

Step 214, the meter according to corresponding to each calculating time proposes stock number and writes off stock number, generates from the secondment time To the secondment asset report for calculating the time.

Step 216, the time point that resource is paid off is temporarily transferred in target, obtains the secondment resource from the secondment time to target and is gone back The resource tail difference data at clear time point.

Step 218, the newly-increased stock number of institute bad student at the time point is determined, according to resource tail difference data to eliminate resource tail Difference.

Wherein, the specific implementation process of each step and each step in embodiment corresponding to Fig. 1 in embodiment corresponding to Fig. 2 Rapid specific implementation process is identical, and therefore, the specific implementation process of each step can refer to Fig. 1 institute in embodiment corresponding to Fig. 2 Corresponding embodiment, details are not described herein again.

Wherein, a kind of concrete application scene that the processing method of resource is temporarily transferred provided by this specification embodiment is fund Debt-credit, it is following that this explanation will be introduced by taking installment credit as an example for convenient for further understanding the method that this specification embodiment provides The method that book embodiment provides.Correspondingly, the above-mentioned secondment time can be to temporarily transfer day, when above-mentioned calculating under this kind of application scenarios Between can for calculate day, above-mentioned newly-increased stock number can be interest.

Fig. 3 is described in three, Fig. 3 of the method flow diagram of the processing method for the secondment resource that this specification embodiment provides Method includes at least following steps:

Step 302, the related data of target loan fund is obtained.

Wherein, above-mentioned related data includes at least debt-credit total amount, debt-credit Annual Percentage Rate, the amount of money repaid every time and every time The date etc. of repayment.

Step 304, the amount of money repaid according to loan fund total amount, every time and debt-credit Annual Percentage Rate, calculate from debt-credit day to Calculate the day accumulative interest generated.

Step 306, the interest received day from debt-credit day to calculating is determined.

Wherein, the above-mentioned interest received can be that the user received repays immediately.

Step 308, it calculates from debt-credit day to the interest for calculating day accumulative generation and receives user in this time and repay Interest the first difference.

Step 310, above-mentioned first difference is determined as mentioning the amount of money from debt-credit day to the meter for calculating day.

Step 312, the meter of current the previous day for calculating day the amount of money is mentioned to be determined as currently calculating the gold of abatement corresponding to day Volume.

Step 314, the meter according to corresponding to each calculating day mentions the amount of money and writes off the amount of money, it generates from debt-credit day to calculating The debt-credit report of day.

Step 316, target loan fund paid off on the day of, obtain from debt-credit day to this day resource tail it is poor.

Step 318, above-mentioned resource tail difference is determined as interest caused by the same day that target loan fund is paid off, to disappear Except resource tail is poor.

Wherein, each step specific implementation process and each step in embodiment corresponding to Fig. 1 in embodiment corresponding to Fig. 3 Specific implementation process it is identical, therefore, in embodiment corresponding to Fig. 3 the specific implementation process of each step can refer to Fig. 1 institute it is right Embodiment is answered, details are not described herein again.

The method that this specification embodiment provides for ease of understanding, following will be that " credit amount " is with " temporarily transferring resource " Example is illustrated by different application scenarios citings.

Scene 1, debtor's payment beforehand

Assuming that debtor three phase of 1 bu of September borrow or lend money three Wan Yuan, each issue 10,000 yuan of Replacement of principal, interest rate 7.3%, each issue Date of payment distinguish September 4, September 7 days and September 10th, it is assumed that debtor is in 5,000 yuan of September payment beforehand on the 3rd and September 1 Day and September 2nd caused by interest (receiving 11.99 yuan of interest), then debtor is at September 6th, is also over remaining 20,000 in advance 5000 yuan and remaining interest (receiving 14.99 yuan of interest) then mention the amount of money and abatement to daily meter from borrowing money day September 1st The amount of money is as follows:

September 1 day meter mentions the amount of money and is denoted as S1, writes off the amount of money and is denoted as M1；

M1=0

September meter on the 2nd mentions the amount of money and is denoted as S2, writes off the amount of money and is denoted as M2；

M2=S1=6

September meter on the 3rd mentions the amount of money and is denoted as S3, writes off the amount of money and is denoted as M3；

M3=S2=12

September meter on the 4th mentions the amount of money and is denoted as S4, writes off the amount of money and is denoted as M4；

M4=S3=5.01

September meter on the 5th mentions the amount of money and is denoted as S5, writes off the amount of money and is denoted as M5；

M5=S4=5.01

September meter on the 6th mentions the amount of money and is denoted as S6, writes off the amount of money and is denoted as M6；

S6=0

M6=S5=15.01

Therefore, for above-described embodiment, meter mentions the amount of money, writes off the amount of money, daily generated interest and should receive daily The interest entered is as shown in table 1.

It is borrowing money by the day of paying off, generated interest is denoted as -0.02,0.02 to be paid off from day of borrowing money to borrowing money Resource tail caused by the same day is poor.By will borrow money paid off the same day caused by interest be denoted as -0.02, resource tail can be eliminated Difference so that this final time borrow or lend money caused by interest it is equal with the interest of borrowing or lending money this repayment is received.

Specifically, the interest that should be taken in above-mentioned table 1 refer to eliminate tail it is poor, the interest that the same day should receive.

Table 1

	9.1	9.2	9.3	9.4	9.5	9.6
							Remaining credit amount	30000	30000	2.5 ten thousand	2.5 ten thousand	2.5 ten thousand	0
Actually receive interest	0	0	11.99	0	0	14.99
							Meter mentions the amount of money	6	12	5.01	10.01	15.01	0
Write off the amount of money	0	6	12	5.01	10.01	15.01
							It should interest received	6	12	5.01	10.01	15.01	0
Generated interest	6	6	5	5	5	-0.02

Scene 2, debtor normally refund

Assuming that debtor three phase of 1 bu of September borrow or lend money three Wan Yuan, each issue 10,000 yuan of Replacement of principal, interest rate 7.3%, each issue Date of payment distinguish September 4, September 7 days and September 10th, debtor repays September 1 at 10,000 yuan of Replacement of principal of September 4 days To interest caused by September 3rd, debtor repays caused by September 4 days to September 6th at 10,000 yuan of Replacement of principal of September 7 days Interest, debtor repay interest caused by September 7 days to September 9th at 10,000 yuan of Replacement of principal of September 10 days.

It is then directed to the embodiment, meter mentions the amount of money, writes off the amount of money, daily generated interest and the benefit that should be taken in daily Breath is as shown in table 2.Wherein, in table 2 only list data corresponding to the date of part, and in table 2 each data it is specific Calculating process can refer to above-mentioned scene 1, and details are not described herein again.

From table 2 it can be seen that be unanimously reflected in should be in interest received (or meter mentions the amount of money), with this for generated tail difference Analogize, until credit amount be pay off day, by the negative of generated tail difference be determined as on the day of caused by interest, to eliminate Tail is poor.Also, by the meter on the same day mention the amount of money, should interest received be determined as zero, the meter of the previous day is mentioned into the amount of money and is determined as borrowing or lending money The amount of money is the current abatement amount of money paid off, i.e., disregards in the current only punching that credit amount is paid off.

Table 2

	9.1	9.4	9.5	9.7	9.9	9.10
							Remaining credit amount	30000	20000	20000	10000	10000	0
Actually receive interest	0	17.99	0	11.99	0	5.99
							Meter mentions the amount of money	6	4.01	8.01	2.02	6.02	0
Write off the amount of money	0	6	4.01	12.01	4.02	6.02
							It should interest received	6	4.01	8.01	2.02	6.02	0
Generated interest	6	4	4	2	2	-0.03

Scene 3, the overdue refund of debtor

Assuming that debtor three phase of 1 bu of September borrow or lend money three Wan Yuan, each issue 10,000 yuan of Replacement of principal, interest rate 7.3%, each issue Date of payment distinguish September 4, September 7 days and September 10th, it is assumed that debtor does not refund on the day of September repayment date on the 4th, Can then three days grace periods of debtor be given, fine will not be generated within three days grace periods, if debtor is more than three days Grace period after refund again, it is assumed that debtor has repaid 10,000 yuan of capitals at September 6th, and receives debtor at September 6th and repay Interest caused by September 1 day also and September 2nd, then be directed to the embodiment, meter mention the amount of money, write off the amount of money, daily caused by Interest and the interest that should be taken in daily are as shown in table 3.

Table 3

	9.1	9.2	9.3	9.4	9.5	9.6
							Remaining credit amount	30000	30000	20000	20000	20000	20000
Actually receive interest	0	0	0	0	0	11.99
							Meter mentions the amount of money	6	12	16	20	24	16.01
Write off the amount of money	0	6	12	16	20	24
							It should interest received	6	12	16	20	24	16.01
Generated interest	6	6	4	4	4	4

It should be noted that, although the refund of debtor is not received within 4th in September, but remaining credit amount is still pressed It is changed according to the trend normally refunded.

As can be seen from the above Table 3, after the repayment that debtor carried out interest and capital on 9.6th, 0.01 is produced Resource tail is poor, which can then be embodied on book always.

Turn within scene 4,90 days non-accrued

It should be noted that if be debtor being more than not refund yet for 90 days, then it will be considered that this account is bad credit, Wu Fazai It withdraws, to this account be switched to non-accrued.

Assuming that debtor three phase of 1 bu of September borrow or lend money three Wan Yuan, each issue 10,000 yuan of Replacement of principal, interest rate 7.3%, it is assumed that The first-phase refund date is September 4th, but always from the refund for answering repayment date not receive by the 90th day debtor yet, then For this kind of situation, meter mentions the amount of money, writes off the amount of money, daily generated interest and interest such as 4 institute of table that should be taken in daily Show.

In that case, in period of grace (i.e. the September 6 days) in third day, guarantee corporation will do it compensatory.From above-mentioned As can be seen that being still that the interest that take in is determined as zero, it is zero that meter, which mentions the amount of money, is only rushed when turning non-accrued within the 90th day Disregard, interest caused by the same day is denoted as -378.

Table 4

	9.1	9.4	9.5	9.6	9.7	90th day
							Remaining credit amount	30000	20000	20000	20000	20000	20000
Actually receive interest	0	0	0	0	0	0
							Meter mentions the amount of money	6	22	26	30	34	0
Write off the amount of money	0	18	22	26	30	378
							It should interest received	6	22	26	30	34	0
Generated interest	6	4	4	4	4	-378

Certainly, above-mentioned each application scenarios are exemplary illustrations, and content involved by the inside is not constituted to this explanation The restriction of book embodiment.

The processing method for the secondment resource that this specification embodiment provides proposes stock number in the meter for calculating target secondment resource When, by from temporarily transfer the time to calculate time cumulation generate newly-increased stock number and within this time real revenue newly spend more money on Source amount combine, if due to round up or platform share in the benefit ratio the problems such as cause the newly-increased stock number of real revenue to generate Resource tail is poor, which can be embodied in meter calculated and mentioned in stock number, that is, one stretched of tail difference resource that generates In present resource account, account is clear, convenient for processing when subsequent reconciliation to resource tail difference, so that accounting processing is simply square Just.

Corresponding to the processing method for the secondment resource that this specification embodiment provides, it is based on identical thinking, this specification Embodiment additionally provides a kind of processing unit for temporarily transferring resource, the place of the secondment resource for executing the offer of this specification embodiment Reason method, Fig. 4 is the module composition schematic diagram of the processing unit for the secondment resource that this specification embodiment provides, shown in Fig. 4 Device, comprising:

First obtains module 401, and the resource-related data of resource is temporarily transferred for obtaining target；Wherein, resource-related data Information is repaid including at least secondment total number resource amount and resource；

Computing module 402 is mentioned for repaying information according to the secondment total number resource amount and resource of acquisition according to the meter of setting Strategy proposes stock number from the meter for temporarily transferring the time to the calculating time at interval of setting time interval calculation；Wherein, meter mentions resource scale It levies and adds up the newly-increased stock number generated and from the time is temporarily transferred to the calculating time from the secondment time to time target secondment resource is calculated The first difference between newly-increased stock number taken in；

Generation module 403, by generating borrowing from the secondment time to the calculating time according to stock number is proposed based on being calculated Adjust asset report.

Optionally, temporarily transferring asset report further includes the abatement stock number for calculating the time；Above-mentioned apparatus further include:

First determining module proposes stock number according to meter corresponding to the previous calculating time for calculating the time, determines and calculate The abatement stock number data of time；

The abatement stock number data for calculating the time are recorded in corresponding temporarily transfer in asset report by logging modle.

Optionally, above-mentioned apparatus further include:

Second obtains module, temporarily transfers the time point that resource is paid off in target, obtains the secondment from the secondment time to target and provides The resource tail difference data at the time point that source is paid off；

Second determining module determines according to resource tail difference data and increases stock number caused by the time point newly, to eliminate money Source tail is poor.

Optionally, it includes the resource interest rate collected in each date of payment and setting time limit that resource, which repays information,；

Computing module 402, comprising:

First computing unit is calculated according to total number resource amount, the every time resource quantity repaid and resource interest rate is temporarily transferred from borrowing To the newly-increased stock number for calculating time cumulation generation between timing；

Second determination unit is determined from the time is temporarily transferred to the newly-increased stock number for calculating time income；

Second computing unit calculates the first difference of the newly-increased stock number of the accumulative newly-increased stock number generated and income, will First difference is determined as proposing stock number from the secondment time to the meter for calculating the time.

Optionally, if to the time is calculated, there are first resources to repay operation from the time is temporarily transferred；Above-mentioned first computing unit, tool Body is used for:

It determines from the secondment time to repayment resource quantity received the calculating time, from the time is temporarily transferred to when repaying Between corresponding duration and from the time of payment to calculating duration corresponding to the time；According to secondment total number resource amount, receive Repayment resource quantity, from temporarily transfer time to the time of payment corresponding to duration, from the time of payment to calculate the time corresponding to Duration and resource interest rate are calculated by following formula from the time is temporarily transferred to the newly-increased stock number for calculating time cumulation generation；

Wherein, in above-mentioned formula, S_iIt indicates from the newly-increased stock number for temporarily transferring time accumulative generation by i-th day, P₁Expression is borrowed It raises wages source total quantity, N₁Indicate from temporarily transfer time to the time of payment corresponding to duration, P₂Indicate the remaining secondment resource after repaying Total quantity, N₂Duration corresponding to i was indicated from the time of payment to the time, and W indicates that resource interest rate, Y are indicated from the time is temporarily transferred to meter The stock number that evaluation time is taken in.

Optionally, target temporarily transfers resource including at least target loan fund.

The processing unit for the secondment resource that this specification embodiment provides proposes stock number in the meter for calculating target secondment resource When, by from temporarily transfer the time to calculate time cumulation generate newly-increased stock number and within this time real revenue newly spend more money on Source amount combine, if due to round up or platform share in the benefit ratio the problems such as cause the newly-increased stock number of real revenue to generate Resource tail is poor, which can be embodied in meter calculated and mentioned in stock number, that is, one stretched of tail difference resource that generates In present resource account, account is clear, convenient for processing when subsequent reconciliation to resource tail difference, so that accounting processing is simply square Just.

Further, based on above-mentioned Fig. 1 to method shown in Fig. 3, this specification embodiment additionally provides a kind of secondment money The processing equipment in source, as shown in Figure 5.

The processing equipment for temporarily transferring resource can generate bigger difference because configuration or performance are different, may include one or More than one processor 501 and memory 502 can store one or more storages in memory 502 using journey Sequence or data.Wherein, memory 502 can be of short duration storage or persistent storage.The application program for being stored in memory 502 can be with Including one or more modules (diagram is not shown), each module may include to one in the processing equipment for temporarily transferring resource Family computer executable instruction.Further, processor 501 can be set to communicate with memory 502, temporarily transfer resource Processing equipment on execute memory 502 in series of computation machine executable instruction.The processing equipment for temporarily transferring resource can be with Including one or more power supplys 503, one or more wired or wireless network interfaces 504, one or more Input/output interface 505, one or more keyboards 506 etc..

In a specific embodiment, the processing equipment for temporarily transferring resource include memory and one or one with On program, perhaps more than one program is stored in memory and one or more than one program can wrap for one of them Include one or more modules, and each module may include can to the series of computation machine in the processing equipment for temporarily transferring resource It executes instruction, and is configured to execute this or more than one program by one or more than one processor to include to be used for Carry out following computer executable instructions:

Obtain the resource-related data that target temporarily transfers resource；Wherein, resource-related data, which includes at least, temporarily transfers total number resource Amount and resource repay information；

Information is repaid according to the secondment total number resource amount and resource of acquisition, when mentioning strategy at interval of setting according to the meter of setting Between interval calculation from temporarily transfer the time to calculate the time meter propose stock number；Wherein, meter proposes stock number characterization from the time is temporarily transferred to meter Newly-increased resource evaluation time target secondment resource the accumulative newly-increased stock number generated and taken in from the secondment time to the calculating time The first difference between amount；

Stock number is proposed according to the meter being calculated, is generated from the time is temporarily transferred to the secondment asset report for calculating the time.

Optionally, when executed, temporarily transfer asset report further includes the abatement money for calculating the time to computer executable instructions Source amount；This method further include:

Stock number is proposed according to meter corresponding to the previous calculating time for calculating the time, determines the abatement resource for calculating the time Measure data；

The abatement stock number data for calculating the time are recorded in corresponding temporarily transfer in asset report.

Optionally, computer executable instructions when executed, this method further include:

The time point that resource is paid off is temporarily transferred in target, obtains and temporarily transfers the time that resource is paid off from the secondment time to target The resource tail difference data of point；

It is determined according to resource tail difference data and increases stock number caused by the time point newly, it is poor to eliminate resource tail.

Optionally, computer executable instructions when executed, obtain the secondment resource from the secondment time to target and are paid off Time point resource tail difference data, comprising:

Obtain from temporarily transfer time to time point target temporarily transfer the accumulative newly-increased stock number generated of resource and from temporarily transfer the time to The newly-increased stock number of time point income；

According to the newly-increased stock number of the newly-increased stock number of accumulative generation and income, determine from the money for temporarily transferring time to time point Source tail difference data.

Optionally, computer executable instructions when executed, repay information and include each date of payment and set by resource The resource interest rate periodically collected in limit；

Information is repaid according to the secondment total number resource amount and resource of acquisition, mentions strategy at interval of setting day according to the meter of setting Number calculates from the meter for temporarily transferring the time to the calculating time and proposes stock number, comprising:

According to secondment total number resource amount, every time the resource quantity and resource interest rate repaid, calculate from the time is temporarily transferred to calculating The newly-increased stock number that time cumulation generates；

It determines from the time is temporarily transferred to the newly-increased stock number for calculating time income；

The first difference for calculating the newly-increased stock number of the accumulative newly-increased stock number generated and income, the first difference is determined as Stock number is proposed to the meter for calculating the time from the time is temporarily transferred.

Optionally, computer executable instructions when executed, if to calculating, there are first resources the time from the time is temporarily transferred Repay operation；

Correspondingly, the resource quantity and resource interest rate repaid according to secondment total number resource amount, every time, calculated from the secondment time To the newly-increased stock number for calculating time cumulation generation, comprising:

It determines from the secondment time to repayment resource quantity received the calculating time, from the time is temporarily transferred to when repaying Between corresponding duration and from the time of payment to calculating duration corresponding to the time；

According to temporarily transfer total number resource amount, receive repayments resource quantity, from secondment the time to time of payment corresponding to Duration, from the time of payment to calculate the time corresponding to duration and resource interest rate, by following formula calculate from temporarily transfer the time to Calculate the newly-increased stock number that time cumulation generates；

Optionally, computer executable instructions when executed, temporarily transfer resource and include at least target loan fund by target.

The processing equipment for the secondment resource that this specification embodiment provides proposes stock number in the meter for calculating target secondment resource When, by from temporarily transfer the time to calculate time cumulation generate newly-increased stock number and within this time real revenue newly spend more money on Source amount combine, if due to round up or platform share in the benefit ratio the problems such as cause the newly-increased stock number of real revenue to generate Resource tail is poor, which can be embodied in meter calculated and mentioned in stock number, that is, one stretched of tail difference resource that generates In present resource account, account is clear, convenient for processing when subsequent reconciliation to resource tail difference, so that accounting processing is simply square Just.

Further, based on above-mentioned Fig. 1 to method shown in Fig. 3, this specification embodiment additionally provides a kind of storage Jie Matter, for storing computer executable instructions, in a kind of specific embodiment, which can be USB flash disk, CD, hard disk Computer executable instructions Deng the storage of, the storage medium are able to achieve following below scheme when being executed by processor:

Optionally, the computer executable instructions of storage medium storage temporarily transfer asset report when being executed by processor It further include the abatement stock number for calculating the time；This method further include:

Optionally, the computer executable instructions of storage medium storage are when being executed by processor, this method further include:

Optionally, the computer executable instructions of storage medium storage are obtained when being executed by processor from when temporarily transferring Between to target temporarily transfer the resource tail difference data at time point that resource is paid off, comprising:

Optionally, for the computer executable instructions of storage medium storage when being executed by processor, resource repays information Including the resource interest rate collected in each date of payment and setting time limit；

Optionally, the computer executable instructions of storage medium storage are when being executed by processor, if from the time is temporarily transferred To the time is calculated, there are first resources to repay operation；

Optionally, for the computer executable instructions of storage medium storage when being executed by processor, target temporarily transfers resource Including at least target loan fund.

This specification embodiment provide storage medium storage computer executable instructions when being executed by processor, Calculate target and temporarily transfer the meter of resource when proposing stock number, by from temporarily transfer the time to calculate newly-increased stock number that time cumulation generates and The newly-increased stock number of real revenue combines within this time, if due to round up or platform share in the benefit ratio the problems such as Cause the newly-increased stock number of real revenue to produce resource tail poor, which can be embodied in meter calculated and propose resource In amount, that is, the tail difference resource generated is embodied in always in resource account, and account is clear, be convenient for subsequent reconciliation when to resource tail The processing of difference, so that accounting processing is simple and convenient.

In the 1990s, the improvement of a technology can be distinguished clearly be on hardware improvement (for example, Improvement to circuit structures such as diode, transistor, switches) or software on improvement (improvement for method flow).So And with the development of technology, the improvement of current many method flows can be considered as directly improving for hardware circuit. Designer nearly all obtains corresponding hardware circuit by the way that improved method flow to be programmed into hardware circuit.Cause This, it cannot be said that the improvement of a method flow cannot be realized with hardware entities module.For example, programmable logic device (Programmable Logic Device, PLD) (such as field programmable gate array (Field Programmable Gate Array, FPGA)) it is exactly such a integrated circuit, logic function determines device programming by user.By designer Voluntarily programming comes a digital display circuit " integrated " on a piece of PLD, designs and makes without asking chip maker Dedicated IC chip.Moreover, nowadays, substitution manually makes IC chip, this programming is also used instead mostly " is patrolled Volume compiler (logic compiler) " software realizes that software compiler used is similar when it writes with program development, And the source code before compiling also write by handy specific programming language, this is referred to as hardware description language (Hardware Description Language, HDL), and HDL is also not only a kind of, but there are many kind, such as ABEL (Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL (Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language) etc., VHDL (Very-High-Speed is most generally used at present Integrated Circuit Hardware Description Language) and Verilog.Those skilled in the art also answer This understands, it is only necessary to method flow slightly programming in logic and is programmed into integrated circuit with above-mentioned several hardware description languages, The hardware circuit for realizing the logical method process can be readily available.

Controller can be implemented in any suitable manner, for example, controller can take such as microprocessor or processing The computer for the computer readable program code (such as software or firmware) that device and storage can be executed by (micro-) processor can Read medium, logic gate, switch, specific integrated circuit (Application Specific Integrated Circuit, ASIC), the form of programmable logic controller (PLC) and insertion microcontroller, the example of controller includes but is not limited to following microcontroller Device: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320 are deposited Memory controller is also implemented as a part of the control logic of memory.It is also known in the art that in addition to Pure computer readable program code mode is realized other than controller, can be made completely by the way that method and step is carried out programming in logic Controller is obtained to come in fact in the form of logic gate, switch, specific integrated circuit, programmable logic controller (PLC) and insertion microcontroller etc. Existing identical function.Therefore this controller is considered a kind of hardware component, and to including for realizing various in it The device of function can also be considered as the structure in hardware component.Or even, it can will be regarded for realizing the device of various functions For either the software module of implementation method can be the structure in hardware component again.

System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity, Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment The combination of equipment.

For convenience of description, it is divided into various units when description apparatus above with function to describe respectively.Certainly, implementing this The function of each unit can be realized in the same or multiple software and or hardware when application.

It should be understood by those skilled in the art that, embodiments herein can provide as method, system or computer program Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the application Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the application, which can be used in one or more, The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces The form of product.

The application is reference according to the method for this specification embodiment, the stream of equipment (system) and computer program product Journey figure and/or block diagram describe.It should be understood that can be realized by computer program instructions each in flowchart and/or the block diagram The combination of process and/or box in process and/or box and flowchart and/or the block diagram.It can provide these computer journeys Sequence instruct to general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices processor with A machine is generated, so that the instruction generation executed by computer or the processor of other programmable data processing devices is used for Realize the dress for the function of specifying in one or more flows of the flowchart and/or one or more blocks of the block diagram It sets.

These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates, Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or The function of being specified in multiple boxes.

These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one The step of function of being specified in a box or multiple boxes.

In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net Network interface and memory.

Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium Example.

Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data. The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM), Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.

It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want There is also other identical elements in the process, method of element, commodity or equipment.

It will be understood by those skilled in the art that embodiments herein can provide as method, system or computer program product. Therefore, complete hardware embodiment, complete software embodiment or embodiment combining software and hardware aspects can be used in the application Form.It is deposited moreover, the application can be used to can be used in the computer that one or more wherein includes computer usable program code The shape for the computer program product implemented on storage media (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) Formula.

The application can describe in the general context of computer-executable instructions executed by a computer, such as program Module.Generally, program module includes routines performing specific tasks or implementing specific abstract data types, programs, objects, group Part, data structure etc..The application can also be practiced in a distributed computing environment, in these distributed computing environments, by Task is executed by the connected remote processing devices of communication network.In a distributed computing environment, program module can be with In the local and remote computer storage media including storage equipment.

All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method Part explanation.

The above description is only an example of the present application, is not intended to limit this application.For those skilled in the art For, various changes and changes are possible in this application.All any modifications made within the spirit and principles of the present application are equal Replacement, improvement etc., should be included within the scope of the claims of this application.

Claims

1. a kind of processing method for temporarily transferring resource, comprising:

Obtain the resource-related data that target temporarily transfers resource；Wherein, the resource-related data, which includes at least, temporarily transfers total number resource Amount and resource repay information；

Information is repaid according to the secondment total number resource amount of acquisition and the resource, mentions strategy at interval of setting according to the meter of setting Interval calculation of fixing time proposes stock number from the meter for temporarily transferring the time to the calculating time；Wherein, the meter proposes stock number and characterizes from described Temporarily transfer target described in the time to the calculating time temporarily transfer the accumulative newly-increased stock number generated of resource and from the secondment time to First difference calculated between the newly-increased stock number that the time is taken in；

Stock number is proposed according to the meter being calculated, is generated from the secondment time to the secondment resource report for calculating the time Table.

2. the method as described in claim 1, the asset report of temporarily transferring further includes the abatement stock number for calculating the time；

The method also includes:

Stock number is proposed according to meter corresponding to the previous calculating time for calculating the time, determines the abatement for calculating the time Stock number data；

3. it is method according to claim 1 or 2, the method also includes:

The time point that resource is paid off is temporarily transferred in the target, the secondment resource from the secondment time to the target is obtained and is gone back The resource tail difference data at clear time point；

It is determined according to the resource tail difference data and increases stock number caused by the time point newly, it is poor to eliminate the resource tail.

4. method as claimed in claim 3, described obtain temporarily transfers what resource was paid off from the secondment time to the target The resource tail difference data at time point, comprising:

It obtains and temporarily transfers the accumulative newly-increased stock number generated of resource from target described in the secondment time to the time point and from institute It states and temporarily transfers the newly-increased stock number taken in of time to the time point；

According to the newly-increased stock number of the newly-increased stock number of the accumulative generation and the income, determine from the secondment time to institute State the resource tail difference data at time point.

5. method according to claim 1 or 2, it includes in each date of payment and setting time limit that the resource, which repays information, The resource interest rate collected；

It is described that information is repaid according to the secondment total number resource amount of acquisition and the resource, strategy every is mentioned according to the meter of setting It is calculated every setting number of days and proposes stock number from the secondment time to the meter for calculating the time, comprising:

According to the secondment total number resource amount, the resource quantity repaid every time and the resource interest rate, calculating is borrowed from described The newly-increased stock number generated between timing to the calculating time cumulation；

Determine the newly-increased stock number taken in from the secondment time to the calculating time；

The first difference of the newly-increased stock number of the accumulative generation and the newly-increased stock number of the income is calculated, it is poor by described first Value is determined as proposing stock number from the secondment time to the meter for calculating the time.

6. method as claimed in claim 5 is grasped if repaying from the secondment time to the calculating time there are first resource Make；

Correspondingly, described according to the secondment total number resource amount, the resource quantity repaid every time and the resource interest rate, meter Calculate the newly-increased stock number generated from the secondment time to the calculating time cumulation, comprising:

It determines from the secondment time to repayment resource quantity received the calculating time, from the secondment time To duration corresponding to the time of payment and duration corresponding to from the time of payment to the calculating time；

According to the secondment total number resource amount, the repayment resource quantity received, from the secondment time to the repayment Duration corresponding to time, duration and the resource interest rate corresponding to from the time of payment to the calculating time, pass through Following formula calculates the newly-increased stock number generated from the secondment time to the calculating time cumulation；

Wherein, in above-mentioned formula, S_iIt indicates from the newly-increased stock number for temporarily transferring time accumulative generation by i-th day, P₁It is borrowed described in expression It raises wages source total quantity, N₁Indicate the duration corresponding to secondment time to the time of payment, P₂Indicate the remaining secondment after repaying Total number resource amount, N₂Indicate from the time of payment to the time duration corresponding to i, W indicates the resource interest rate, Y indicate from The stock number that the secondment time is taken in the calculating time.

7. method according to claim 1 or 2, the target temporarily transfers resource and includes at least target loan fund.

8. a kind of processing unit for temporarily transferring resource, comprising:

First obtains module, obtains the resource-related data that target temporarily transfers resource；Wherein, the resource-related data includes at least It temporarily transfers total number resource amount and resource repays information；

Computing module repays information according to the secondment total number resource amount of acquisition and the resource, proposes plan according to the meter of setting Slightly stock number is proposed from the meter for temporarily transferring the time to the calculating time at interval of setting time interval calculation；Wherein, the meter proposes stock number Characterize target described in from the secondment time to the calculating time temporarily transfer the accumulative newly-increased stock number generated of resource with from described Temporarily transfer the first difference between the newly-increased stock number that the time is taken in the calculating time；

Generation module proposes stock number according to the meter being calculated, and generates from the secondment time to the calculating time Temporarily transfer asset report.

9. device as claimed in claim 8, the asset report of temporarily transferring further includes the abatement stock number for calculating the time；

Described device further include:

First determining module proposes stock number according to meter corresponding to the previous calculating time for calculating the time, determine described in Calculate the abatement stock number data of time；

10. device as claimed in claim 8 or 9, described device further include:

Second obtains module, temporarily transfers the time point that resource is paid off in the target, obtains from the secondment time to the mesh Mark temporarily transfers the resource tail difference data at the time point that resource is paid off；

Second determining module determines according to the resource tail difference data and increases stock number caused by the time point newly, to eliminate It is poor to state resource tail.

11. device as claimed in claim 10, the second acquisition module include:

Acquiring unit obtains from target described in the secondment time to the time point and temporarily transfers the accumulative newly-increased resource generated of resource Amount and the newly-increased stock number taken in from the secondment time to the time point；

First determination unit is determined according to the newly-increased stock number of the newly-increased stock number of the accumulative generation and the income from institute State the resource tail difference data for temporarily transferring time to the time point.

12. device as claimed in claim 8 or 9, it includes each date of payment and setting time limit that the resource, which repays information, The resource interest rate inside collected；

The computing module, comprising:

First computing unit, according to the secondment total number resource amount, the resource quantity repaid every time and the resource interest rate, Calculate the newly-increased stock number generated from the secondment time to the calculating time cumulation；

Second determination unit determines the newly-increased stock number taken in from the secondment time to the calculating time；

Second computing unit, calculate the newly-increased stock number of the accumulative generation and the newly-increased stock number of the income first are poor First difference is determined as proposing stock number from the secondment time to the meter for calculating the time by value.

13. device as claimed in claim 12, if there are first resource repayments from the secondment time to the calculating time Operation；

First computing unit, is specifically used for:

It determines from the secondment time to repayment resource quantity received the calculating time, from the secondment time To duration corresponding to the time of payment and duration corresponding to from the time of payment to the calculating time；It is borrowed according to described Raise wages source total quantity, the repayment resource quantity received, corresponding to the secondment time to the time of payment when Long, duration and the resource interest rate corresponding to from the time of payment to the calculatings time, by the calculating of following formula from It is described to temporarily transfer the time to the newly-increased stock number for calculating time cumulation and generating；

14. device as claimed in claim 8 or 9, the target temporarily transfers resource and includes at least target loan fund.

15. a kind of processing equipment for temporarily transferring resource, comprising:

Processor；And

It is arranged to the memory of storage computer executable instructions, the executable instruction makes the processing when executed Device:

16. a kind of storage medium, for storing computer executable instructions, the executable instruction is realized following when executed Process: