CN109544333A - Resource borrows or lends money method and apparatus - Google Patents
Resource borrows or lends money method and apparatus Download PDFInfo
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- CN109544333A CN109544333A CN201811229755.3A CN201811229755A CN109544333A CN 109544333 A CN109544333 A CN 109544333A CN 201811229755 A CN201811229755 A CN 201811229755A CN 109544333 A CN109544333 A CN 109544333A
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- G06Q—INFORMATION 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
Specification discloses a kind of resource debt-credit method and apparatus.The described method includes: receiving the unstated transaction order that business platform is sent, the unstated transaction order is sent after the resource debit request for receiving the transmission of resource less by the business platform；Debt-credit order is generated according to the service order and is sent to the resource less, and the debt-credit order includes the debt-credit quantity of resource；When receiving the confirmation message that the resource less is returned for the debt-credit order, the resource in debt-credit resource pool is reduced according to the debt-credit quantity, and the resource in the resource less account is increase accordingly；The resource in the resource less account is reduced according to the service order corresponding resource clearing quantity, and the resource in resource receipt side account is increase accordingly, to complete resource clearing.
Description
Technical field
This specification is related to Internet technical field more particularly to a kind of resource debt-credit method and apparatus.
Background technique
Debt-credit is a kind of common banking operation, and credit side can there are the resource shortages such as fund, article Shi Weiqi to mention in debit
For respective resources, so as to debit's turnover.
Summary of the invention
In view of this, this specification provides a kind of resource debt-credit method and apparatus.
Specifically, this specification is achieved by the following technical solution:
A kind of resource debt-credit method, is applied to loan platform, receives for realizing resource less in service order and resource
Resource clearing between the side of entering, which comprises
The unstated transaction order that business platform is sent is received, the unstated transaction order is being connect by the business platform
It is sent after receiving the resource debit request that the resource less is sent；
Debt-credit order is generated according to the service order and is sent to the resource less, and the debt-credit order includes money
The debt-credit quantity in source；
When receiving the confirmation message that the resource less is returned for the debt-credit order, according to the debt-credit number
It measures and the resource in debt-credit resource pool is reduced, and the resource in the resource less account is increase accordingly；
The resource in the resource less account is detained according to the service order corresponding resource clearing quantity
Subtract, and the resource in the resource receipt side account is increase accordingly, to complete resource clearing.
A method of it realizing loan, is applied to loan platform, which comprises
The non-payment transaction order that business platform is sent is received, the non-payment transaction order is being connect by the business platform
It is sent after receiving the loan requests of paying party transmission；
Loan order is generated according to the service order and is sent to the paying party, and the loan order includes loan gold
Volume；
When receiving the confirmation message that the paying party is sent for the loan order, institute is deducted from lending account
The amount of the loan is stated, and provides payment money side's account；
The order amount of money of the service order is deducted from paying party account, and pays the beneficiary account of service order
Number.
A kind of resource debt-credit device, is applied to loan platform, receives for realizing resource less in service order and resource
Resource clearing between the side of entering, described device include:
Order reception unit receives the unstated transaction order that business platform is sent, and the unstated transaction order is by institute
Business platform is stated to send after receiving the resource debit request that the resource less is sent；
Generation unit is borrowed or lent money, debt-credit order is generated according to the service order and is sent to the resource less, it is described
Debt-credit order includes the debt-credit quantity of resource；
Resource issuing unit, when receiving the confirmation message that the resource less is returned for the debt-credit order,
According to it is described debt-credit quantity to debt-credit resource pool in resource reduce, and to the resource in the resource less account into
Row is increase accordingly；
Order clearing unit, according to the corresponding resource clearing quantity of the service order in the resource less account
Resource reduced, and the resource in the resource receipt side account is increase accordingly, to complete resource clearing.
A kind of resource debt-credit device, is applied to loan platform, receives for realizing resource less in service order and resource
Resource clearing between the side of entering, described device include:
Processor；
For storing the memory of machine-executable instruction；
Wherein, referred to by reading and executing the machine corresponding with resource debt-credit logic of the memory storage and can be performed
It enables, the processor is prompted to:
The unstated transaction order that business platform is sent is received, the unstated transaction order is being connect by the business platform
It is sent after receiving the resource debit request that the resource less is sent；
Debt-credit order is generated according to the service order and is sent to the resource less, and the debt-credit order includes money
The debt-credit quantity in source；
When receiving the confirmation message that the resource less is returned for the debt-credit order, according to the debt-credit number
It measures and the resource in debt-credit resource pool is reduced, and the resource in the resource less account is increase accordingly；
The resource in the resource less account is detained according to the service order corresponding resource clearing quantity
Subtract, and the resource in the resource receipt side account is increase accordingly, to complete resource clearing.
Debit request of this specification loan platform based on resource less it can be seen from above description, can be according to not
Account settlement business order generate debt-credit order, when resource less confirm the debt-credit order after, can to resource less account into
Row resource granting operation can also settle accounts quantity in resource less account according to the resource of service order after granting
Resource reduced, and the resource in resource receipt side account is increase accordingly, to be borrowed for the granting of resource less
Borrow resource, and the corresponding resource clearing of finishing service order.
Detailed description of the invention
Fig. 1 is a kind of flow diagram of resource debt-credit method shown in one exemplary embodiment of this specification.
Fig. 2 is a kind of flow diagram of loan method shown in one exemplary embodiment of this specification.
Fig. 3 is a kind of schematic diagram of loan order displayed page shown in one exemplary embodiment of this specification.
Fig. 4 is the schematic diagram of another loan order displayed page shown in one exemplary embodiment of this specification.
Fig. 5 is a kind of structural schematic diagram for resource debt-credit device shown in one exemplary embodiment of this specification.
Fig. 6 is a kind of block diagram of resource debt-credit device shown in one exemplary embodiment of this specification.
Specific embodiment
Example embodiments are described in detail here, and the example is illustrated in the accompanying drawings.Following description is related to
When attached drawing, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with this specification.On the contrary, they are only and such as institute
The example of the consistent device and method of some aspects be described in detail in attached claims, this specification.
It is only to be not intended to be limiting this explanation merely for for the purpose of describing particular embodiments in the term that this specification uses
Book.The "an" of used singular, " described " and "the" are also intended to packet in this specification and in the appended claims
Most forms are included, unless the context clearly indicates other meaning.It is also understood that term "and/or" used herein is
Refer to and includes that one or more associated any or all of project listed may combine.
It will be appreciated that though various information may be described using term first, second, third, etc. in this specification, but
These information should not necessarily be limited by these terms.These terms are only used to for same type of information being distinguished from each other out.For example, not taking off
In the case where this specification range, the first information can also be referred to as the second information, and similarly, the second information can also be claimed
For the first information.Depending on context, word as used in this " if " can be construed to " ... when " or
" when ... " or " in response to determination ".
This specification provides a kind of scheme for realizing resource debt-credit, can be used for realizing resource less and money in service order
Resource clearing between the receipt side of source, loan platform can be generated when receiving the unstated transaction order of business platform transmission
Corresponding debt-credit order returns to resource less, can be to resource branch after the resource less confirms the debt-credit order
Square account executes operation of making loans out, can also settle accounts quantity to the resource according to the corresponding resource of service order after lending
Resource in less account carries out reducing operation, to increase in resource receipt side account, to realize the money of service order
Source clearing.
Above-mentioned business platform can be B2B (Business to Business, businessman is to businessman), B2C (Business
To Customer, businessman is to individual) etc. electric business platform, buyer can place an order in business platform chooses seller offer commodity
Or service.The physical support of the business platform is usually server or server cluster.
Above-mentioned loan platform is usually disposed by the service provider for externally providing debt-credit service, such as bank, lending institution
Deng physical support is generally also server or server cluster.The loan platform is generally also provided with resource settlement function, example
Such as debt payment or the loan platform also call the platform with payment function to realize resource clearing, this specification pair
This is not particularly limited.
Above-mentioned service order can be generated by resource less and resource receipt side (both parties) based on business platform, such as
Enterprise places an order in electric business platform purchases cloud service etc..
Above-mentioned resource less is usually that resource is paid in service order to exchange a side of kinds of goods or service, above-mentioned resource for
Receipt side is usually that resource is received in service order to provide a side of corresponding kinds of goods or service.Above-mentioned resource can include: currency,
Ideal money, integral, point certificate etc., this specification is not particularly limited this.
Still by taking enterprise places an order and purchases cloud service as an example, resource is currency, and resource less is enterprise, and resource receipt side is cloud
Service provider.
Fig. 1 is a kind of flow diagram of resource debt-credit method shown in one exemplary embodiment of this specification.
Referring to FIG. 1, the resource debt-credit method is applied in aforementioned loan platform, it may include following steps:
Step 102, the unstated transaction order that business platform is sent is received, the unstated transaction order is by the business
Platform is sent after receiving the resource debit request that the resource less is sent.
In the present embodiment, the resource less in unstated transaction order is in shortage of resources, for the service order
Resource debit request can be transmitted to business platform, in response to the resource debit request, business platform sends the service order
To loan platform.
Step 104, debt-credit order is generated according to the service order and is sent to the resource less, the debt-credit is ordered
Single includes the debt-credit quantity of resource.
Based on abovementioned steps 102, loan platform can call credit platform to obtain after receiving the unstated transaction order
Take the credit information of the resource less.The credit information can include: down payment ratio, borrowing rate, is given back at the term of loan
Mode is equal to information relevant to resource debt-credit.Wherein, the down payment ratio is typically greater than equal to 0, but the numerical value less than 1.
Subtracting the down payment ratio with the corresponding resource clearing quantity of service order can be borrowed multiplied by the clearing quantity
Quantity is borrowed, based on the debt-credit quantity, the debit request, the borrowing rate, described gives back that the information such as mode are producible to borrow
Borrow order.
The debt-credit order can be sent to resource less by loan platform, for the confirmation of resource less.
It should be noted that debt-credit ratio can also be carried in other examples, in credit information to replace down payment ratio, institute
It states debt-credit quantity and is equal to the debt-credit ratio multiplied by the clearing quantity.Wherein, the debt-credit ratio is typically greater than 0, but small
In the numerical value for being equal to 1.
Optionally, when down payment ratio be not equal to 0 when, loan platform before it will borrow or lend money order and be sent to resource less,
It can first judge whether the volume residual of resource in resource less account is more than or equal to down payment quantity.
If being less than down payment quantity, the transmittable down payment lazy weight of loan platform is prompted to resource less, resource expenditure
The resource in its account can be increased, according to prompt to meet down payment requirement.Loan platform can provide in resource less account
When the volume residual in source is more than or equal to the down payment quantity, debt-credit order is sent to resource less.
If it is greater than or equal to debt-credit order can be sent to resource less by loan platform.
Step 106, when receiving the confirmation message that the resource less is returned for the debt-credit order, according to institute
It states debt-credit quantity to reduce the resource in debt-credit resource pool, and the resource in the resource less account is carried out corresponding
Increase.
In the present embodiment, if resource less does not have query to debt-credit bill, it is flat to debt-credit that confirmation message can be transmitted
Platform, loan platform and then execution resource are made loans and are operated.
On the one hand, loan platform reduces the resource in debt-credit resource pool according to the debt-credit quantity.Wherein, described
The set that debt-credit resource pool is made of several resources, can be used for resource granting.
On the other hand, loan platform can increase accordingly the resource in service order in resource less account, increase
Addend amount reduces quantity equal to aforementioned, to complete resource granting.
In the present embodiment, after completing resource and providing, usually the resource in resource less account can also be frozen
Knot, subsequent to thaw again when carrying out resource clearing, the resource for borrowing or lending money loan platform to it to avoid resource less is used as him
With freezing quantity can be equal to above-mentioned debt-credit quantity, also can be equal to the resource clearing quantity of service order, and this specification does not make this
It is specifically limited.
Step 108, according to the corresponding resource clearing quantity of the service order to the money in the resource less account
Source is reduced, and is increase accordingly to the resource in the resource receipt side account, to complete resource clearing.
In the present embodiment, the corresponding resource clearing behaviour of service order can be performed after completing resource and providing in loan platform
Make.
On the one hand, loan platform can settle accounts quantity according to resource and reduce to the resource in resource less account.
On the other hand, loan platform can increase the resource in resource receipt side account, accelerate equal to above-mentioned
Quantity is reduced, above-mentioned clearing quantity is equal to.
So far, the resource clearing of above-mentioned unstated transaction order are completed.
In the present embodiment, complete resource clearing after, loan platform can according to debt-credit order in arrange borrowing rate,
It gives back the information such as mode and carries out resource from resource less account and reduce, given back with completing resource.
For example, borrowing or lending money when giving back the period of resource reaching, loan platform can give back quantity according to current period resource
Resource in resource less account is reduced, and will reduce resource increase accordingly state debt-credit resource pool in.Wherein, when
The sum of the interest of preceding period resource given back quantity and be generally equal to original amount and current period that current period needs to give back.
Debit request of this specification loan platform based on resource less it can be seen from above description, can be according to not
Account settlement business order generate debt-credit order, when resource less confirm the debt-credit order after, can to resource less account into
Row resource granting operation can also settle accounts quantity in resource less account according to the resource of service order after granting
Resource reduced, and the resource in resource receipt side account is increase accordingly, to be borrowed for the granting of resource less
Borrow resource, and the corresponding resource clearing of finishing service order.
It is below currency, resource less by resource is for enterprise, resource receipt side are cloud service providers, to this theory
The specific implementation process of bright book is described in detail.
For example, enterprise can browse the cloud service introduction of cloud service provider offer in business platform, and under completion
Single operation.The cloud service of 100,000 yuan of buying it is assumed that enterprise places an order at A cloud service provider, the order gold of corresponding service order
Volume (i.e. resource clearing quantity) is exactly 100,000.
It again it is assumed that the enterprise is at an early stage of development, lacks of capital, then the loan payment service order may be selected in enterprise.Example
Such as, enterprise can pay the means of payment that page selection is provided a loan in order, to trigger the loan requests for being directed to above-mentioned service order.
Service order can be sent to loan platform after receiving the loan requests by business platform.
Referring to FIG. 2, after receiving above-mentioned service order, following steps are can be performed in loan platform:
Step 202, the credit information of enterprise is obtained, and the amount of the loan is determined according to the credit information.
In the present embodiment, loan platform can first judge whether enterprise authorized loan platform that credit platform is called to check it
Credit information can call directly the credit information that credit platform inquires the enterprise if having authorized；It, can be to enterprise if unauthorized
Industry returns to authorized agreement, and after enterprise's Successful authorization, and credit platform is called to inquire the credit information of the enterprise.If enterprise refuses
Authorization then can return to the prompt that can not be provided a loan to enterprise.
Above-mentioned credit platform can be by determining etc. that the service provider of functions disposes with credit evaluation, credit information, object
Managing carrier is usually server or server cluster.In other examples, if there is loan platform above-mentioned credit evaluation, credit to believe
It ceases and determines function, then the loan platform also can be used as credit platform, and this specification is not particularly limited this.
The credit information can include: down payment ratio, the length of maturity, loan interest rate, mode of repayment etc..Wherein, the head
The ratio of paying typically greater than is equal to 0, the numerical value less than 1, can be determined based on the credit situation of enterprise.In general, credit situation
Better, down payment ratio is lower, if enterprise newly establishes, there are no credit informations, then can be initial proportion by down payment ratio-dependent.
The down payment amount of money can be calculated multiplied by the order amount of money using the down payment ratio.
Certainly, in other examples, lending ratio can also be used instead of the down payment ratio in the credit information；Above-mentioned loan
Money time limit, loan interest rate, mode of repayment can also voluntarily be determined by loan platform；Above-mentioned credit information may also include the loan of enterprise
Money upper limit number etc., this specification is not particularly limited this.
In this example, it is assumed that the down payment ratio of the enterprise is 20%, then the down payment amount of money of the service order is 2
Ten thousand, the amount of the loan is 80,000.
The present embodiment payment transaction order in such a way that down payment adds loan is conducive to the lending wind for reducing loan platform
Danger.
Step 204, when the surplus capital for confirming business account is more than or equal to the down payment amount of money, loan order is sent to enterprise
Industry.
In the present embodiment, can determine whether surplus capital is more than or equal to the down payment amount of money, i.e. business account in business account
Whether middle surplus capital enough pays the down payment amount of money.
If it is greater than or equal to can then be believed according to the beneficiary of the credits such as the amount of the loan, length of maturity information and service order
Breath generation loan order returns to enterprise and is confirmed.The example of Fig. 3 is please referred to, which includes order information, loan
Three parts of information and Receiving information.Certainly, the exemplary only explanation of Fig. 3, in other examples, loan order may also include
Other information, this specification are not particularly limited this.
It should be noted that in other examples, the information such as the length of maturity, mode of repayment in order of providing a loan can be arranged
For optional mode, enterprise can select the length of maturity, mode of repayment according to the actual conditions of oneself, and it is special that this specification does not make this
Limitation.
If being less than, the prompt of down payment insufficient in amount can be returned to enterprise, to prompt enterprise to prepare the sufficient down payment amount of money.
When loan platform can have the sufficient down payment amount of money in confirming business account, generation loan order returns to enterprise and is confirmed.
In other examples, loan platform can also first generate loan order and return to enterprise, and mark the down payment amount of money in loan order
Insufficient prompt, still by taking Fig. 3 as an example, when down payment insufficient in amount, loan platform can return to loan order shown in Fig. 4 to enterprise
The page.
Step 206, if receiving the confirmation message of enterprise, the amount of the loan is deducted from lending account and is issued to
Enterprise.
In the present embodiment, enterprise can be based on the details for the loan order page browsing loan that loan platform returns.
If enterprise's confirmation can not receive corresponding credit information, such as enterprise thinks that interest rate is excessively high, is not desired to provide a loan, then can return
It is back to the payment page of service order, reselects the means of payment.
If enterprise confirms credit information, there is no problem, can return to confirmation message, such as click the errorless button of confirmation message.
In practical applications, loan platform can also return to Loan Agreement to enterprise, for enterprise's confirmation.For example, debt-credit is flat
Platform can return to Loan Agreement to enterprise, if the Loan Agreement is agreed to by enterprise, can pass through after receiving above-mentioned confirmation message
The modes such as input payment cipher carry out authentication.
If subsequent lending operation can be performed by authentication；If not can return to certification by authentication and do not lead to
The refusal prompt crossed.
Certainly, in other examples, also Loan Agreement can be sent to enterprise together with loan order to confirm, this theory
Bright book is not particularly limited this.
In the present embodiment, loan platform can execute loan origination behaviour after enterprise confirms loan order and Loan Agreement
Make.For example, the amount of the loan is deducted from lending account, to be issued in business account.Wherein, it is stored in the lending account
Fund for offering loans.
In the present embodiment, for ensure enterprise not will loan with used for other purposes, can be in business account after completing lending
Fund is freezed, and freezes the amount of money equal to the amount of the loan.
Step 208, the order amount of money is deducted from business account and pays A cloud service provider.
In the present embodiment, it in payment transaction order, can thaw to the principal amount freezed in business account, so
The order amount of money is deducted from business account afterwards, to pay A cloud service provider, such as is transferred in A cloud service provider account.
So far, the payment of finishing service order.
In the present embodiment, the payment opportunity of service order can be after completion is made loans and pay at once, can also be according to enterprise
The time payment of industry agreement, this specification are not particularly limited this.
Step 210, when reaching payment period, current period repayment amount is deducted from business account.
With continued reference to FIG. 3, the mode of repayment of loan order shown in Fig. 3 is monthly to pay interest, expire the repayment of principal.It is with Fig. 3
Example, loan platform can be deducted from business account in the repaying day monthly arranged works as monthly interest, and in the loan for reaching 12 months
When the time limit, the amount of the loan 80,000 is deducted from business account.
Certainly, in other modes of repayment, the period that loan platform is withholdd may not be monthly withhold, such as can also be by
Season withholds, and deducted amount may be not only interest, may also include part loan principal, and this specification does not make special limit to this
System.
In the present embodiment, the refund situation of enterprise can also be returned to credit platform by loan platform, credit platform according to
The credit information of enterprise may be updated in the refund situation.
For example, debt situation is not present if the refund of enterprise is all right, then the credit letter that positive can update the enterprise
Breath.
For another example if the non-payment in due course interest of enterprise, can negative sense update the credit information of the enterprise.
The present embodiment lender can apply for loan payment service order it can be seen from above description, in response to this application,
Loan platform can generate loan order according to service order.After lender confirms loan order, loan platform can be to lender
It offers loans, and the order amount of money based on service order deducts the order amount of money from lender account to pay beneficiary, from
And realize the loan payment of service order.The present embodiment combines loan application with service order payment, one by one without user
It is operated, it is convenient to realize.Also, loan fund can be delivered to lender account by the present embodiment loan platform, subsequent from loan
It is withholdd in money side's account to realize payment, realizes that fund flow is consistent with traffic direction, facilitate the financial management of both parties.
Still by taking aforementioned business loan pays the service order of buying cloud service as an example, this specification also supports service order
Reimbursement operation.
One, reimbursement in full
It is assumed that enterprise and A cloud service provider negotiate reimbursement in full after the completion of service order payment.Loan platform can
After receiving refund request in full (resource payback request in full), reimbursement operation is executed.Above-mentioned refund request in full can be by looking forward to
Industry triggering, can also be triggered, this specification is not particularly limited this by A cloud service provider.
When executing reimbursement in full operation, loan platform can first deduct the outstanding loan interest generated.Wherein provide a loan
The payer of interest rate can be made an appointment by both parties.
The case where for reimbursement in full, it is assumed that by A cloud service provider payment on account of credit interest, loan platform can be first from A cloud
The outstanding loan interest (resource loan interest) generated is deducted in service provider account pays lending account, however again
The still outstanding amount of the loan (quantity to be given back) of enterprise is deducted from A cloud service provider account pays lending account.
If enterprise's not yet repayment of bank loans capital, then from A cloud service provider account deduct enterprise the down payment amount of money with
Business account is gone to, reimbursement process terminates.
If part payment loan principal, loan platform can also deduct enterprise from A cloud service provider account for enterprise
Prepaid actual value (debit pays quantity), completes reimbursement process.Wherein, the actual value be equal to the order amount of money with still
The difference of the outstanding amount of the loan is also equal to the sum of the down payment amount of money and the returned loan principal of enterprise of corporate payments.
It for example, be still 100,000, enterprise's down payment amount of money by service order is for the 20000, amount of the loan is 80,000.Assuming that
When applying for reimbursement in full, 1000 yuan of still unpaid loan interests, and enterprise's not yet repayment of bank loans capital are generated, then has been borrowed
Loan platform first can deduct 1000 yuan of interest from A cloud service provider account and pay loan account, then deduct 80,000 yuan of loans again
The money amount of money pays loan account, finally deducts 20,000 yuan again and pays business account, completes reimbursement in full.
It will again be assumed that having generated 1000 yuan of still unpaid loan interests, but enterprise has given back 1 when applying for reimbursement in full
Ten thousand loan principal, then loan platform first can deduct 1000 yuan of interest from A cloud service provider account and pay loan account,
Then the loan principal that 70,000 yuan are not yet given back is deducted again and pays loan account, finally deducts 30,000 yuan of prepaid gold of enterprise again
Volume pays business account, completes reimbursement in full.
During above-mentioned reimbursement, loan platform, can be first to the correlation in A cloud service provider account before reimbursement
Fund is freezed, and to ensure reimbursement success, this is no longer going to repeat them for this specification.
Two, partial refund
It is assumed that after the completion of service order payment, enterprise and the negotiation section reimbursement of A cloud service provider.Loan platform can
After receiving partial refund request (resource part payback request), reimbursement operation is executed.Similar, above-mentioned partial refund request
It can be triggered, can also be triggered by A cloud service provider, this specification is not particularly limited this by enterprise.
In execution part reimbursement operation, loan platform can first obtain refund amount (resource returns quantity), the reimbursement
The amount of money is carried in above-mentioned partial refund request, can also individually be sent.
When refund amount is less than or equal to the sum of still outstanding outstanding loan principal of loan interest Buddhist monk, from A cloud
The refund amount is deducted in service provider account to pay loan account, completes partial refund.For loan transaction
Speech, the refund amount are used for the still outstanding loan interest of senior refunding, are repaid if there are also residue with residue and are not repaid again
Loan principal.Optionally, it for fund angle, can also first be deducted from A cloud service provider account still outstanding
Then loan interest deducts the difference of the outstanding loan interest of refund amount Buddhist monk again.
It for example, be still 100,000, enterprise's down payment amount of money by service order is for the 20000, amount of the loan is 80,000.Assuming that
Be 50,000 in the partial refund amount of money of application, when applying for partial refund, generate 1000 yuan of still outstanding interests, then it can be first from A
1000 yuan are deducted in cloud service provider account to repay interest, then deduct 49000 yuan again to capital of repaying the loan, until
This completes partial refund.
When refund amount is greater than the sum of still outstanding outstanding loan principal of loan interest Buddhist monk, first taken from A cloud
The refund amount is deducted to pay loan account in business provider's account, if refund amount still has residue, then will be remaining
It is returned to enterprise, completes partial refund.
In above-mentioned reimbursement in full and the operation of partial refund, it can be reduced using refund amount liquidation expenses are to be paid,as a matter of priority loan principal and be borrowed
Borrow the lending risk of platform.
Corresponding with the aforementioned resource debt-credit embodiment of method, this specification additionally provides the implementation of resource debt-credit device
Example.
The embodiment that this specification resource borrows or lends money device can be using on the server.Installation practice can pass through software
It realizes, can also be realized by way of hardware or software and hardware combining.Taking software implementation as an example, as on a logical meaning
Device, be to be read computer program instructions corresponding in nonvolatile memory by the processor of server where it
Operation is formed in memory.For hardware view, as shown in figure 5, server where borrowing or lending money device for this specification resource
A kind of hardware structure diagram is implemented other than processor shown in fig. 5, memory, network interface and nonvolatile memory
Server in example where device can also include other hardware generally according to the actual functional capability of the server, no longer superfluous to this
It states.
Fig. 6 is a kind of block diagram of resource debt-credit device shown in one exemplary embodiment of this specification.
Referring to FIG. 6, the resource debt-credit device 500 can be applied in aforementioned server shown in fig. 5, it can be used for reality
Resource clearing in existing service order between resource less and resource receipt side, include: order reception unit 501 is borrowed or lent money
Generation unit 502, resource issuing unit 503, order clearing unit 504, down payment confirmation unit 505, resource freezing unit 506,
Resource gives back unit 507, reimbursement unit in full 508 and partial refund unit 509.
Wherein, order reception unit 501 receives the unstated transaction order that business platform is sent, the unstated transaction
Order is sent after receiving the resource debit request that the resource less is sent by the business platform；
Generation unit 502 is borrowed or lent money, debt-credit order is generated according to the service order and is sent to the resource less, institute
State the debt-credit quantity that debt-credit order includes resource；
Resource issuing unit 503 is receiving the resource less for the confirmation message of the debt-credit order return
When, the resource in debt-credit resource pool is reduced according to the debt-credit quantity, and to the money in the resource less account
Source is increase accordingly；
Order clearing unit 504, according to the corresponding resource clearing quantity of the service order to the resource less account
Resource in number is reduced, and is increase accordingly to the resource in the resource receipt side account, to complete resource clearing.
Optionally, the debt-credit generation unit 502:
The credit information of the resource less is obtained, the credit information includes down payment ratio, term of loan, debt-credit benefit
Rate and give back mode；
The debt-credit quantity is calculated according to the down payment ratio and the clearing quantity；
The debt-credit is generated according to the debt-credit quantity, the term of loan, the borrowing rate and the mode of giving back
Order.
Down payment confirmation unit 505 judges resource in the resource less account when the down payment ratio is not equal to 0
Volume residual whether be more than or equal to down payment quantity, the down payment quantity is multiplying for the clearing quantity and the down payment ratio
Product；
If the volume residual is more than or equal to the down payment quantity, executes and the debt-credit order is sent to the resource
The step of less.
Optionally, the down payment confirmation unit 505 sends down payment when the volume residual is less than the down payment quantity
Lazy weight is prompted to the resource less；
When determining that the volume residual is more than or equal to the down payment quantity, the debt-credit order is sent to described by execution
The step of resource less.
Optionally, the credit information is determined by the credit information of the resource less.
Resource freezing unit 506 freezes institute after increaseing accordingly to the resource in the resource less account
The resource in resource less account is stated, wherein freezing quantity equal to the debt-credit quantity；
The order clearing unit 504: after thawing to the resource freezed, according to the clearing quantity to the money
Resource in the less account of source is reduced.
Resource gives back unit 507, borrows or lends money when giving back the period of resource reaching, gives back quantity to described according to current period
Resource in resource less account is reduced, and is increase accordingly to the resource in the debt-credit resource pool, described to work as
The preceding period gives back the interest that quantity includes current period.
Reimbursement unit 508 in full, after receiving the resource payback request in full for the service order, according to having produced
Raw non-returned resource loan interest reduces the resource of the resource receipt side account, and in the debt-credit resource pool
Resource increase accordingly；
According to being reduced to the resource of the resource receipt side account for the quantity to be given back of resource, and to the debt-credit
Resource in resource pool is increase accordingly, and the quantity to be given back is equal to the debt-credit quantity and has returned with the resource less
The difference of original amount also；
It pays quantity according to the debit of resource to reduce the resource of the resource receipt side account, and to the resource
The resource of less account is increase accordingly, and the debit pays quantity and is equal to the clearing quantity and the quantity to be given back
Difference.
Partial refund unit 509, after receiving the resource part payback request for the service order, described in acquisition
The corresponding resource of payback request returns quantity；
When it is described return quantity be less than or equal to the quantity to be given back of non-returned resource loan interest and resource generated it
And when, it returns quantity according to described the resource of the resource receipt side account is reduced, and in the debt-credit resource pool
Resource increase accordingly, the quantity to be given back be equal to the debt-credit quantity and the resource less it is returned original
The difference of quantity, the quantity of returning is for non-returned resource loan interest described in senior refunding；
Quantity is returned greater than the non-returned resource loan interest and resource generated when giving back the sum of quantity when described,
It is carried out according to the resource of the sum of the non-returned resource loan interest and the quantity to be given back to the resource receipt side account
It reduces, and the resource in the debt-credit resource pool is increase accordingly；
The non-returned resource loan interest is subtracted using the quantity of returning, then subtracts the quantity to be given back, is obtained
Difference, and reduced according to resource of the difference to the resource receipt side account, and to the resource less account
In resource increase accordingly.
The function of each unit and the realization process of effect are specifically detailed in the above method and correspond to step in above-mentioned apparatus
Realization process, details are not described herein.
For device embodiment, since it corresponds essentially to embodiment of the method, so related place is referring to method reality
Apply the part explanation of example.The apparatus embodiments described above are merely exemplary, wherein described be used as separation unit
The unit of explanation may or may not be physically separated, and component shown as a unit can be or can also be with
It is not physical unit, it can it is in one place, or may be distributed over multiple network units.It can be according to actual
The purpose for needing to select some or all of the modules therein to realize this specification scheme.Those of ordinary skill in the art are not
In the case where making the creative labor, it can understand and implement.
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.A kind of typically to realize that equipment is computer, the concrete form of computer can
To be personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
In device, navigation equipment, E-mail receiver/send equipment, game console, tablet computer, wearable device or these equipment
The combination of any several equipment.
Corresponding with the aforementioned resource debt-credit embodiment of method, this specification also provides a kind of resource debt-credit device, the dress
Set includes: processor and the memory for storing machine-executable instruction.Wherein, processor and memory are usually by interior
Portion's bus is connected with each other.In other possible implementations, the equipment is also possible that external interface, with can be with other
Equipment or component are communicated.
It in the present embodiment, can by reading and executing the machine corresponding with resource debt-credit logic of the memory storage
It executes instruction, the processor is prompted to:
The unstated transaction order that business platform is sent is received, the unstated transaction order is being connect by the business platform
It is sent after receiving the resource debit request that the resource less is sent；
Debt-credit order is generated according to the service order and is sent to the resource less, and the debt-credit order includes money
The debt-credit quantity in source；
When receiving the confirmation message that the resource less is returned for the debt-credit order, according to the debt-credit number
It measures and the resource in debt-credit resource pool is reduced, and the resource in the resource less account is increase accordingly；
The resource in the resource less account is detained according to the service order corresponding resource clearing quantity
Subtract, and the resource in the resource receipt side account is increase accordingly, to complete resource clearing.
Optionally, when generating debt-credit order according to the service order, the processor is prompted to:
The credit information of the resource less is obtained, the credit information includes down payment ratio, term of loan, debt-credit benefit
Rate and give back mode；
The debt-credit quantity is calculated according to the down payment ratio and the clearing quantity；
The debt-credit is generated according to the debt-credit quantity, the term of loan, the borrowing rate and the mode of giving back
Order.
Optionally, the processor is also prompted to:
When the down payment ratio is not equal to 0, judge whether the volume residual of resource in the resource less account is big
In being equal to down payment quantity, the down payment quantity is the product of the clearing quantity and the down payment ratio；
If the volume residual is more than or equal to the down payment quantity, executes and the debt-credit order is sent to the resource
The step of less.
Optionally, the processor is also prompted to:
If the volume residual is less than the down payment quantity, send down payment lazy weight is prompted to the resource expenditure
Side；
When determining that the volume residual is more than or equal to the down payment quantity, the debt-credit order is sent to described by execution
The step of resource less.
Optionally, the credit information is determined by the credit information of the resource less.
Optionally, the processor is also prompted to:
After increaseing accordingly to the resource in the resource less account, freeze the resource less account
In resource, wherein freezing quantity equal to the debt-credit quantity；
It is described according to the service order corresponding resource clearing quantity to the resource in the resource less account into
Row is reduced, comprising:
After thawing to the resource freezed, according to the clearing quantity to the resource in the resource less account
It is reduced.
Optionally, the processor is also prompted to:
When giving back the period of resource is borrowed or lent money reaching, gives back quantity in the resource less account according to current period
Resource reduced, and to it is described debt-credit resource pool in resource increase accordingly, the current period gives back quantity packet
Include the interest of current period.
Optionally, the processor is also prompted to:
After receiving the resource payback request in full for the service order, borrowed according to the non-returned resource generated
It borrows interest to reduce the resource of the resource receipt side account, and the resource in the debt-credit resource pool is accordingly increased
Add；
According to being reduced to the resource of the resource receipt side account for the quantity to be given back of resource, and to the debt-credit
Resource in resource pool is increase accordingly, and the quantity to be given back is equal to the debt-credit quantity and has returned with the resource less
The difference of original amount also；
It pays quantity according to the debit of resource to reduce the resource of the resource receipt side account, and to the resource
The resource of less account is increase accordingly, and the debit pays quantity and is equal to the clearing quantity and the quantity to be given back
Difference.
Optionally, the processor is also prompted to:
After receiving the resource part payback request for the service order, the corresponding money of the payback request is obtained
Return quantity in source；
When it is described return quantity be less than or equal to the quantity to be given back of non-returned resource loan interest and resource generated it
And when, it returns quantity according to described the resource of the resource receipt side account is reduced, and in the debt-credit resource pool
Resource increase accordingly, the quantity to be given back be equal to the debt-credit quantity and the resource less it is returned original
The difference of quantity, the quantity of returning is for non-returned resource loan interest described in senior refunding；
Quantity is returned greater than the non-returned resource loan interest and resource generated when giving back the sum of quantity when described,
It is carried out according to the resource of the sum of the non-returned resource loan interest and the quantity to be given back to the resource receipt side account
It reduces, and the resource in the debt-credit resource pool is increase accordingly；
The non-returned resource loan interest is subtracted using the quantity of returning, then subtracts the quantity to be given back, is obtained
Difference, and reduced according to resource of the difference to the resource receipt side account, and to the resource less account
In resource increase accordingly.
Corresponding with the aforementioned resource debt-credit embodiment of method, this specification also provides a kind of computer-readable storage medium
Matter is stored with computer program on the computer readable storage medium, which performs the steps of when being executed by processor
The unstated transaction order that business platform is sent is received, the unstated transaction order is being connect by the business platform
It is sent after receiving the resource debit request that the resource less is sent；
Debt-credit order is generated according to the service order and is sent to the resource less, and the debt-credit order includes money
The debt-credit quantity in source；
When receiving the confirmation message that the resource less is returned for the debt-credit order, according to the debt-credit number
It measures and the resource in debt-credit resource pool is reduced, and the resource in the resource less account is increase accordingly；
The resource in the resource less account is detained according to the service order corresponding resource clearing quantity
Subtract, and the resource in the resource receipt side account is increase accordingly, to complete resource clearing.
It is optionally, described that debt-credit order is generated according to the service order, comprising:
The credit information of the resource less is obtained, the credit information includes down payment ratio, term of loan, debt-credit benefit
Rate and give back mode；
The debt-credit quantity is calculated according to the down payment ratio and the clearing quantity；
The debt-credit is generated according to the debt-credit quantity, the term of loan, the borrowing rate and the mode of giving back
Order.
Optionally, further includes:
When the down payment ratio is not equal to 0, judge whether the volume residual of resource in the resource less account is big
In being equal to down payment quantity, the down payment quantity is the product of the clearing quantity and the down payment ratio；
If the volume residual is more than or equal to the down payment quantity, executes and the debt-credit order is sent to the resource
The step of less.
Optionally, further includes:
If the volume residual is less than the down payment quantity, send down payment lazy weight is prompted to the resource expenditure
Side；
When determining that the volume residual is more than or equal to the down payment quantity, the debt-credit order is sent to described by execution
The step of resource less.
Optionally, the credit information is determined by the credit information of the resource less.
Optionally, further includes:
After increaseing accordingly to the resource in the resource less account, freeze the resource less account
In resource, wherein freezing quantity equal to the debt-credit quantity；
It is described according to the service order corresponding resource clearing quantity to the resource in the resource less account into
Row is reduced, comprising:
After thawing to the resource freezed, according to the clearing quantity to the resource in the resource less account
It is reduced.
Optionally, further includes:
When giving back the period of resource is borrowed or lent money reaching, gives back quantity in the resource less account according to current period
Resource reduced, and to it is described debt-credit resource pool in resource increase accordingly, the current period gives back quantity packet
Include the interest of current period.
Optionally, further includes:
After receiving the resource payback request in full for the service order, borrowed according to the non-returned resource generated
It borrows interest to reduce the resource of the resource receipt side account, and the resource in the debt-credit resource pool is accordingly increased
Add；
According to being reduced to the resource of the resource receipt side account for the quantity to be given back of resource, and to the debt-credit
Resource in resource pool is increase accordingly, and the quantity to be given back is equal to the debt-credit quantity and has returned with the resource less
The difference of original amount also；
It pays quantity according to the debit of resource to reduce the resource of the resource receipt side account, and to the resource
The resource of less account is increase accordingly, and the debit pays quantity and is equal to the clearing quantity and the quantity to be given back
Difference.
Optionally, further includes:
After receiving the resource part payback request for the service order, the corresponding money of the payback request is obtained
Return quantity in source；
When it is described return quantity be less than or equal to the quantity to be given back of non-returned resource loan interest and resource generated it
And when, it returns quantity according to described the resource of the resource receipt side account is reduced, and in the debt-credit resource pool
Resource increase accordingly, the quantity to be given back be equal to the debt-credit quantity and the resource less it is returned original
The difference of quantity, the quantity of returning is for non-returned resource loan interest described in senior refunding；
Quantity is returned greater than the non-returned resource loan interest and resource generated when giving back the sum of quantity when described,
It is carried out according to the resource of the sum of the non-returned resource loan interest and the quantity to be given back to the resource receipt side account
It reduces, and the resource in the debt-credit resource pool is increase accordingly；
The non-returned resource loan interest is subtracted using the quantity of returning, then subtracts the quantity to be given back, is obtained
Difference, and reduced according to resource of the difference to the resource receipt side account, and to the resource less account
In resource increase accordingly.
It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims
It is interior.In some cases, the movement recorded in detail in the claims or step can be come according to the sequence being different from embodiment
It executes and desired result still may be implemented.In addition, process depicted in the drawing not necessarily require show it is specific suitable
Sequence or consecutive order are just able to achieve desired result.In some embodiments, multitasking and parallel processing be also can
With or may be advantageous.
The foregoing is merely the preferred embodiments of this specification, all in this explanation not to limit this specification
Within the spirit and principle of book, any modification, equivalent substitution, improvement and etc. done should be included in the model of this specification protection
Within enclosing.
Claims (21)
1. a kind of resource borrows or lends money method, it is applied to loan platform, is taken in for realizing resource less in service order and resource
Resource clearing between side, which comprises
The unstated transaction order that business platform is sent is received, the unstated transaction order is being received by the business platform
It is sent after the resource debit request that the resource less is sent；
Debt-credit order is generated according to the service order and is sent to the resource less, and the debt-credit order includes resource
Borrow or lend money quantity；
When receiving the confirmation message that the resource less is returned for the debt-credit order, according to the debt-credit quantity pair
Resource in debt-credit resource pool is reduced, and is increase accordingly to the resource in the resource less account；
The resource in the resource less account is reduced according to the service order corresponding resource clearing quantity, and
Resource in the resource receipt side account is increase accordingly, to complete resource clearing.
2. according to the method described in claim 1, described generate debt-credit order according to the service order, comprising:
Obtain the credit information of the resource less, the credit information include down payment ratio, the term of loan, borrowing rate and
Give back mode；
The debt-credit quantity is calculated according to the down payment ratio and the clearing quantity；
The debt-credit order is generated according to the debt-credit quantity, the term of loan, the borrowing rate and the mode of giving back.
3. according to the method described in claim 2, further include:
When the down payment ratio is not equal to 0, judge whether the volume residual of resource in the resource less account is greater than
In down payment quantity, the down payment quantity is the product of the clearing quantity and the down payment ratio；
If the volume residual is more than or equal to the down payment quantity, executes and the debt-credit order is sent to the resource expenditure
The step of side.
4. according to the method described in claim 3, further include:
If the volume residual is less than the down payment quantity, send down payment lazy weight is prompted to the resource less；
When determining that the volume residual is more than or equal to the down payment quantity, executes and the debt-credit order is sent to the resource
The step of less.
5. according to the method described in claim 2,
The credit information is determined by the credit information of the resource less.
6. according to the method described in claim 1, further include:
After being increase accordingly to the resource in the resource less account, freeze in the resource less account
Resource, wherein freezing quantity equal to the debt-credit quantity；
It is described that the resource in the resource less account is detained according to the service order corresponding resource clearing quantity
Subtract, comprising:
After thawing to the resource freezed, the resource in the resource less account is carried out according to the clearing quantity
It reduces.
7. according to the method described in claim 1, further include:
When giving back the period of resource is borrowed or lent money reaching, gives back quantity to the money in the resource less account according to current period
Source is reduced, and is increase accordingly to the resource in the debt-credit resource pool, and it includes working as that the current period, which gives back quantity,
The interest in preceding period.
8. according to the method described in claim 1, further include:
After receiving the resource payback request in full for the service order, benefit is borrowed or lent money according to the non-returned resource generated
Breath reduces the resource of the resource receipt side account, and increase accordingly to the resource in the debt-credit resource pool；
According to being reduced to the resource of the resource receipt side account for the quantity to be given back of resource, and to the debt-credit resource
Resource in pond is increase accordingly, and the quantity to be given back is equal to the debt-credit quantity and the resource less is returned
The difference of original amount；
Quantity is paid according to the debit of resource to reduce the resource of the resource receipt side account, and the resource is paid
The resource of square account is increase accordingly, and the debit pays the difference that quantity is equal to the clearing quantity and the quantity to be given back
Value.
9. according to the method described in claim 1, further include:
After receiving the resource part payback request for the service order, obtains the corresponding resource of the payback request and move back
Also quantity；
Quantity is returned less than or equal to the non-returned resource loan interest and resource generated when giving back the sum of quantity when described,
It returns quantity according to described the resource of the resource receipt side account is reduced, and to the resource in the debt-credit resource pool
It is increase accordingly, the quantity to be given back is equal to the debt-credit quantity and the returned original amount of resource less
Difference, the quantity of returning is for non-returned resource loan interest described in senior refunding；
Quantity is returned greater than the non-returned resource loan interest and resource generated when giving back the sum of quantity when described, according to
The sum of the non-returned resource loan interest and the quantity to be given back reduce the resource of the resource receipt side account,
And the resource in the debt-credit resource pool is increase accordingly；
The non-returned resource loan interest is subtracted using the quantity of returning, then subtracts the quantity to be given back, obtains difference,
And it is reduced according to resource of the difference to the resource receipt side account, and to the money in the resource less account
Source is increase accordingly.
10. a kind of method for realizing loan, is applied to loan platform, which comprises
The non-payment transaction order that business platform is sent is received, the non-payment transaction order is being received by the business platform
It is sent after the loan requests that paying party is sent；
Loan order is generated according to the service order and is sent to the paying party, and the loan order includes the amount of the loan；
When receiving the confirmation message that the paying party is sent for the loan order, the loan is deducted from lending account
The money amount of money, and provide payment money side's account；
The order amount of money of the service order is deducted from paying party account, and pays the beneficiary account of service order.
11. according to the method described in claim 10, described generate loan order according to the service order, comprising:
The credit information of paying party is obtained, the credit information includes down payment ratio, the length of maturity, loan interest rate and refund side
Formula；
The amount of the loan is calculated according to the down payment ratio and the order amount of money；
The loan order is generated according to the amount of the loan, the length of maturity, the loan interest rate and the mode of repayment.
12. a kind of resource borrows or lends money device, it is applied to loan platform, is taken in for realizing resource less in service order and resource
Resource clearing between side, described device include:
Order reception unit receives the unstated transaction order that business platform is sent, and the unstated transaction order is by the industry
Business platform is sent after receiving the resource debit request that the resource less is sent；
Generation unit is borrowed or lent money, debt-credit order is generated according to the service order and is sent to the resource less, the debt-credit
Order includes the debt-credit quantity of resource；
Resource issuing unit, when receiving the confirmation message that the resource less is returned for the debt-credit order, according to
The debt-credit quantity reduces the resource in debt-credit resource pool, and carries out phase to the resource in the resource less account
It should increase；
Order clearing unit, according to the corresponding resource clearing quantity of the service order to the money in the resource less account
Source is reduced, and is increase accordingly to the resource in the resource receipt side account, to complete resource clearing.
13. device according to claim 12, the debt-credit generation unit:
Obtain the credit information of the resource less, the credit information include down payment ratio, the term of loan, borrowing rate and
Give back mode；
The debt-credit quantity is calculated according to the down payment ratio and the clearing quantity；
The debt-credit order is generated according to the debt-credit quantity, the term of loan, the borrowing rate and the mode of giving back.
14. device according to claim 13, further includes:
Down payment confirmation unit judges the remainder of resource in the resource less account when the down payment ratio is not equal to 0
Whether amount is more than or equal to down payment quantity, and the down payment quantity is the product of the clearing quantity and the down payment ratio；
If the volume residual is more than or equal to the down payment quantity, executes and the debt-credit order is sent to the resource expenditure
The step of side.
15. device according to claim 14,
The down payment confirmation unit sends the prompt of down payment lazy weight when the volume residual is less than the down payment quantity
To the resource less；
When determining that the volume residual is more than or equal to the down payment quantity, executes and the debt-credit order is sent to the resource
The step of less.
16. device according to claim 13,
The credit information is determined by the credit information of the resource less.
17. device according to claim 12, further includes:
Resource freezing unit freezes the resource after increaseing accordingly to the resource in the resource less account
Resource in less account, wherein freezing quantity equal to the debt-credit quantity；
The order clearing unit: after thawing to the resource freezed, the resource is paid according to the clearing quantity
Resource in square account is reduced.
18. device according to claim 12, further includes:
Resource gives back unit, borrows or lends money when giving back the period of resource reaching, gives back quantity to the resource branch according to current period
The resource in square account is reduced out, and is increase accordingly to the resource in the debt-credit resource pool, the current period
Give back the interest that quantity includes current period.
19. device according to claim 12, further includes:
Reimbursement unit in full, after receiving the resource payback request in full for the service order, according to having generated not
Returned resource loan interest reduces the resource of the resource receipt side account, and to the resource in the debt-credit resource pool
It is increase accordingly；
According to being reduced to the resource of the resource receipt side account for the quantity to be given back of resource, and to the debt-credit resource
Resource in pond is increase accordingly, and the quantity to be given back is equal to the debt-credit quantity and the resource less is returned
The difference of original amount；
Quantity is paid according to the debit of resource to reduce the resource of the resource receipt side account, and the resource is paid
The resource of square account is increase accordingly, and the debit pays the difference that quantity is equal to the clearing quantity and the quantity to be given back
Value.
20. device according to claim 12, further includes:
Partial refund unit is returned described in acquisition and is asked after receiving the resource part payback request for the service order
Corresponding resource is asked to return quantity；
Quantity is returned less than or equal to the non-returned resource loan interest and resource generated when giving back the sum of quantity when described,
It returns quantity according to described the resource of the resource receipt side account is reduced, and to the resource in the debt-credit resource pool
It is increase accordingly, the quantity to be given back is equal to the debt-credit quantity and the returned original amount of resource less
Difference, the quantity of returning is for non-returned resource loan interest described in senior refunding；
Quantity is returned greater than the non-returned resource loan interest and resource generated when giving back the sum of quantity when described, according to
The sum of the non-returned resource loan interest and the quantity to be given back reduce the resource of the resource receipt side account,
And the resource in the debt-credit resource pool is increase accordingly；
The non-returned resource loan interest is subtracted using the quantity of returning, then subtracts the quantity to be given back, obtains difference,
And it is reduced according to resource of the difference to the resource receipt side account, and to the money in the resource less account
Source is increase accordingly.
21. a kind of resource borrows or lends money device, it is applied to loan platform, is taken in for realizing resource less in service order and resource
Resource clearing between side, described device include:
Processor；
For storing the memory of machine-executable instruction；
Wherein, by reading and executing the machine-executable instruction corresponding with resource debt-credit logic of the memory storage, institute
Processor is stated to be prompted to:
The unstated transaction order that business platform is sent is received, the unstated transaction order is being received by the business platform
It is sent after the resource debit request that the resource less is sent；
Debt-credit order is generated according to the service order and is sent to the resource less, and the debt-credit order includes resource
Borrow or lend money quantity；
When receiving the confirmation message that the resource less is returned for the debt-credit order, according to the debt-credit quantity pair
Resource in debt-credit resource pool is reduced, and is increase accordingly to the resource in the resource less account；
The resource in the resource less account is reduced according to the service order corresponding resource clearing quantity, and
Resource in the resource receipt side account is increase accordingly, to complete resource clearing.
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| CN201811229755.3A CN109544333A (en) | 2018-10-22 | 2018-10-22 | Resource borrows or lends money method and apparatus |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811229755.3A CN109544333A (en) | 2018-10-22 | 2018-10-22 | Resource borrows or lends money method and apparatus |
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