CN109583864B - Method, device and equipment for charging reserve payment money and computer readable storage medium - Google Patents
Method, device and equipment for charging reserve payment money and computer readable storage medium Download PDFInfo
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Abstract
The invention discloses a method, a device and equipment for recharging reserve payment money and a computer readable storage medium, wherein the method for recharging reserve payment money comprises the following steps: analyzing a business record to be traded in a preset time period to obtain a flow value to be released; when the flow value to be paid is detected to be lower than the preset upper limit amount of the current corresponding spare payment, comparing the flow value to be paid with the preset lower limit amount of the current corresponding spare payment to obtain a comparison result; and adjusting the preset lower limit amount of the reserve payment based on the comparison result so as to trigger the recharge of the reserve payment based on the adjusted preset lower limit amount. The invention solves the technical problems of low recharging efficiency and unreasonable fund utilization in the recharging process of the spare payment money in the prior art.
Description
Technical Field
The invention relates to the field of reserve payment, in particular to a reserve payment recharging method, device and equipment and a computer readable storage medium.
Background
At present, a lending company can provide common services such as lending and settlement for a client, and in the process of providing the services, the lending company needs to allocate the reserve payment in the third-party payment to an account corresponding to the loan client, wherein the reserve payment in the third-party payment needs to be within a certain amount range to meet the loan requirement of the user needing loan, and the reserve payment is not wasted.
Disclosure of Invention
The invention mainly aims to provide a method, a device and equipment for recharging reserve payment money and a computer readable storage medium, aiming at solving the technical problems of low recharging efficiency and unreasonable fund utilization in the reserve payment money recharging process in the prior art.
In order to achieve the above object, the present invention provides a method for recharging reserve payment money, which comprises:
analyzing a business record to be traded in a preset time period to obtain a flow value to be released;
when the flow value to be paid is detected to be lower than the preset upper limit amount of the current corresponding spare payment, comparing the flow value to be paid with the preset lower limit amount of the current corresponding spare payment to obtain a comparison result;
and adjusting the preset lower limit amount of the reserve payment based on the comparison result so as to trigger the recharge of the reserve payment based on the adjusted preset lower limit amount.
Optionally, the step of comparing the flow value to be paid with the preset lower limit amount of the current corresponding spare payment to obtain the comparison result includes:
acquiring a mapping relation between the flow value to be paid and a preset lower limit amount of the corresponding spare payment;
acquiring a target preset lower limit amount of the reserve payment based on the mapping relation;
and comparing the target preset lower limit amount with the current preset lower limit amount to obtain a comparison result.
Optionally, the step of comparing the target preset lower limit amount with the current preset lower limit amount to obtain a comparison result includes:
and if the current preset lower limit amount is lower than the target preset lower limit amount, generating an early warning prompt.
Optionally, the analyzing the service record to be traded within the preset time period to obtain the flow value to be paid includes:
and when the flow value of the to-be-paid money is larger than the current preset upper limit amount, generating a batch instruction of recharging the reserve payment in batches so as to realize recharging the reserve payment in batches.
Optionally, when the flow value of the to-be-released money is greater than the current preset upper limit amount, generating a batch instruction for recharging the reserve payment in batches to realize batch recharging of the reserve payment includes:
when the flow value to be paid is larger than the current preset upper limit amount, acquiring the difference amount between the flow value to be paid and the current preset upper limit amount;
and generating batch instructions for recharging the reserve payment in batches based on the difference amount and the current preset upper limit amount so as to realize batch recharging of the reserve payment.
Optionally, the generating a batch recharging batch of the reserve payment based on the difference amount and the current preset upper limit amount comprises, after the batch instruction:
acquiring a money putting rate of the prestored flow value to be paid, and acquiring the recharging time of the alternative payment in different batches based on the money putting rate;
and recharging the reserve payment in batches based on the recharging time.
Optionally, the adjusting the preset lower limit amount of the prepaid fee based on the comparison result to trigger the step of recharging the prepaid fee based on the adjusted preset lower limit amount includes:
and when detecting that the value of the reserve payment money is successfully added, carrying out the certification processing of the electronic certificate.
In addition, in order to achieve the above object, the present invention also provides a prepaid money charging device, including:
the analysis module is used for analyzing the business record to be traded in a preset time period so as to obtain the flow value to be paid;
the comparison module is used for comparing the flow value to be paid with the preset lower limit amount of the current corresponding spare payment to obtain a comparison result when the flow value to be paid is detected to be lower than the preset upper limit amount of the current corresponding spare payment;
and the adjusting module is used for adjusting the preset lower limit amount of the prepaid fee based on the comparison result so as to trigger recharging of the prepaid fee based on the adjusted preset lower limit amount.
In addition, in order to achieve the above object, the present invention also provides a prepaid fee charging apparatus, including: a memory, a processor, a communication bus and a prepaid monetary recharge program stored on the memory,
the communication bus is used for realizing communication connection between the processor and the memory;
the processor is used for executing the prepared payment money charging program to realize the following steps:
analyzing a business record to be traded in a preset time period to obtain a flow value to be released;
when the flow value to be paid is detected to be lower than the preset upper limit amount of the current corresponding spare payment, comparing the flow value to be paid with the preset lower limit amount of the current corresponding spare payment to obtain a comparison result;
and adjusting the preset lower limit amount of the reserve payment based on the comparison result so as to trigger the recharge of the reserve payment based on the adjusted preset lower limit amount.
Optionally, the step of comparing the flow value to be paid with the preset lower limit amount of the current corresponding spare payment to obtain the comparison result includes:
acquiring a mapping relation between the flow value to be paid and a preset lower limit amount of the corresponding spare payment;
acquiring a target preset lower limit amount of the reserve payment based on the mapping relation;
and comparing the target preset lower limit amount with the current preset lower limit amount to obtain a comparison result.
Optionally, the step of comparing the target preset lower limit amount with the current preset lower limit amount to obtain a comparison result includes:
and if the current preset lower limit amount is lower than the target preset lower limit amount, generating an early warning prompt.
Optionally, the analyzing the service record to be traded within the preset time period to obtain the flow value to be paid includes:
and when the flow value of the to-be-paid money is larger than the current preset upper limit amount, generating a batch instruction of recharging the reserve payment in batches so as to realize recharging the reserve payment in batches.
Optionally, when the flow value of the to-be-released money is greater than the current preset upper limit amount, generating a batch instruction for recharging the reserve payment in batches to realize batch recharging of the reserve payment includes:
when the flow value to be paid is larger than the current preset upper limit amount, acquiring the difference amount between the flow value to be paid and the current preset upper limit amount;
and generating batch instructions for recharging the reserve payment in batches based on the difference amount and the current preset upper limit amount so as to realize batch recharging of the reserve payment.
Optionally, the generating a batch recharging batch of the reserve payment based on the difference amount and the current preset upper limit amount comprises, after the batch instruction:
acquiring a money putting rate of the prestored flow value to be paid, and acquiring the recharging time of the alternative payment in different batches based on the money putting rate;
and recharging the reserve payment in batches based on the recharging time.
Optionally, the adjusting the preset lower limit amount of the prepaid fee based on the comparison result to trigger the step of recharging the prepaid fee based on the adjusted preset lower limit amount includes:
and when detecting that the value of the reserve payment money is successfully added, carrying out the certification processing of the electronic certificate.
Optionally, to achieve the above object, the present invention also provides a computer readable storage medium storing one or more programs, the one or more programs being executable by one or more processors for:
analyzing a business record to be traded in a preset time period to obtain a flow value to be released;
when the flow value to be paid is detected to be lower than the preset upper limit amount of the current corresponding spare payment, comparing the flow value to be paid with the preset lower limit amount of the current corresponding spare payment to obtain a comparison result;
and adjusting the preset lower limit amount of the reserve payment based on the comparison result so as to trigger the recharge of the reserve payment based on the adjusted preset lower limit amount.
Analyzing a service record to be traded in a preset time period to obtain a flow value to be released; when the flow value to be paid is detected to be lower than the preset upper limit amount of the current corresponding spare payment, comparing the flow value to be paid with the preset lower limit amount of the current corresponding spare payment to obtain a comparison result; and adjusting the preset lower limit amount of the reserve payment based on the comparison result so as to trigger the recharge of the reserve payment based on the adjusted preset lower limit amount. Since in the application, the record of the service to be transacted, i.e. the service to be paid, in the preset time period is obtained, the flow value of the service to be paid is compared with the preset lower limit amount, further, the preset lower limit amount is adjusted based on the comparison result, the reserve payment is charged based on the adjusted preset lower limit amount, therefore, the recharging and paying reserve can ensure the recharging requirement of the service to be paid, and because the preset lower limit amount and the flow value of the service to be paid are correspondingly adjusted, instead of the random recharging of the reserve payment money, the unreasonable utilization of the reserve payment money can be avoided, and in addition, because the reserve payment money is automatically recharged based on the preset lower limit money after adjustment, in the process, the intervention is not required, so the application solves the technical problems of low recharging efficiency and unreasonable fund utilization in the recharging process of the reserve payment money in the prior art.
Drawings
FIG. 1 is a schematic flow chart of a prepaid fee recharging method according to a first embodiment of the present invention;
FIG. 2 is a flow chart of a prepaid fee recharging method according to a second embodiment of the present invention;
FIG. 3 is a schematic diagram of an apparatus architecture of a hardware operating environment to which a method of an embodiment of the invention relates;
fig. 4 is a schematic view of a scenario of an embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The invention provides a method for recharging reserve payment money, in a first embodiment of the method for recharging reserve payment money, referring to fig. 1, the method for recharging reserve payment money comprises the following steps:
step S10, analyzing the business record to be traded in a preset time period to obtain the flow value to be paid;
in the application, a virtual account such as a merchant account is set in a third-party payment such as a safe payment by an loan company or a small loan company, and the business requirements of a client for loan or claim settlement and the like are met through the virtual account such as the merchant account.
It should be noted that, in the present application, a lending company and the like may set different merchant accounts under payment of a third party according to different service types, that is, the different merchant accounts may respectively correspond to different types of services, for example, a first merchant account corresponds to a loan service, a second merchant account corresponds to a claim settlement service, and the like, during a fund preparation process, the type of a service to be transacted within a preset time period is obtained, and a record of the type of the service to be transacted within the preset time period is analyzed, so as to obtain a flow value of the fund to be released of the record of the type of the service to be transacted, so that the lending company or a small lending company can allocate the fund to the corresponding merchant account.
In the application, before the prepaid fee charging is performed, a service interface of a preset type service of a client is called to obtain a record of a corresponding transaction service within a preset time period, as shown in fig. 4, the preset type service is taken as a loan service for example to explain, before the prepaid fee charging is performed, a transaction record of the loan service within the preset time period is obtained, the transaction record can be stored in a preset format file, the transaction record of the loan service within the preset time period is analyzed, the analysis process is to break a format rule of the transaction record, the format rule can be to record corresponding transaction names, amounts, time and the like in different partitions corresponding to the transaction record respectively, after the format rule of the transaction record is broken, the transaction amount is searched, based on the transaction amounts of different transaction records within the preset time period, a pending payment flow value or pending payment amount of the loan service within the preset time can be extracted, that is, the flow value of the money to be paid is the amount of money to be paid.
The specific embodiment is used for explaining, if the transaction record of the loan service within 1 hour is the transaction record of the loan service within 1 hour, the transaction record of the loan service within 1 hour is analyzed, and if the loan service within 1 hour can have 3 transactions, and the amount of each transaction is 100 ten thousand, 1000 ten thousand, and 200 ten thousand, the deposit-and-payment recharging system of the application obtains the amount of the loan to be issued or the flow value of the loan to be issued within 1 hour 1300 ten thousand.
Step S20, when detecting that the flow value to be paid is lower than the preset upper limit amount of the current corresponding spare payment, comparing the flow value to be paid with the preset lower limit amount of the current corresponding spare payment to obtain a comparison result;
in this application, detect earlier the size of treating the amount of money of the preset upper limit amount of payment of the flow value of paying with corresponding the deposit before with, when detecting treat that the flow value of paying is less than when corresponding the preset upper limit amount of payment before, compare treat the flow value of paying with the preset lower limit amount of payment of corresponding the deposit before, wherein, refer to fig. 2, compare treat that the flow value of paying and the preset lower limit amount of payment of corresponding the deposit before to obtain the comparison result step and include:
step S21, acquiring the mapping relation between the flow value to be paid and the preset lower limit amount of the corresponding spare payment;
step S22, acquiring a target preset lower limit amount of the reserve payment based on the mapping relation;
step S23, comparing the target preset lower limit amount with the current preset lower limit amount to obtain a comparison result.
The preset lower limit amount is lower than or smaller than the current preset upper limit amount, wherein the target preset lower limit amount can be equal to the flow value to be paid, when the target preset lower limit amount is equal to the flow value to be paid, if the current preset lower limit amount is smaller than the flow value to be paid, the reserve payment cannot meet the paying requirement in a preset time period, so that the current preset lower limit amount is increased, automatic recharging of the reserve payment is triggered to meet the current paying requirement, and when the current preset lower limit amount is larger than the flow value to be paid, the reserve payment is excessive, unreasonable utilization of resources is caused, the current preset lower limit amount is reduced, and recharging of the reserve payment is not required to be triggered.
It should be noted that the to-be-paid flow value may not be equal to the target preset lower limit amount, but be a mapping relationship, and the mapping relationship may be queried through a mapping relationship table pre-stored in the prepaid recharging system, which is described in a specific embodiment. The ratio is adjusted in particular according to the loan amount of the lending company.
After the target deposit flow lower limit value is obtained, the target deposit flow lower limit value is compared with the current preset lower limit amount, and a comparison result is obtained, wherein the comparison result comprises a specific difference relation between the target deposit flow lower limit value and the current preset lower limit amount.
To illustrate by using the specific embodiment, in the process of automatically recharging the reserve payment to the safe payment, when the detected amount of money to be paid is 1300 ten thousand, and the lower limit of the reserve payment reserve payment in the safe payment is 500 ten thousand, in order to ensure that the loan is timely issued to the customer account, the lower limit of the reserve payment can be automatically adjusted to 1300 ten thousand for the subsequent recharging process to be triggered.
And step S30, adjusting the preset lower limit amount of the reserve payment based on the comparison result, and triggering the reserve payment recharging based on the adjusted preset lower limit amount.
Based on the comparison result, adjusting the preset lower limit amount of the reserve payment, wherein the adjustment comprises an up-adjustment operation or a down-adjustment operation, when the current preset lower limit amount is smaller than the target preset lower limit amount, the current preset lower limit amount is increased, and when the preset lower limit amount is larger than the target preset lower limit amount, the current preset lower limit amount is reduced, after the preset lower limit amount of the merchant account is adjusted, if the reserve payment amount in the merchant account is not equal to the preset lower limit amount, an automatic recharge instruction of the reserve payment is generated, and based on the automatic recharge instruction, the automatic recharge process of the reserve payment is triggered, and the automatic recharge process of the reserve payment is as follows: and acquiring the amount of money to be recharged, and transferring the amount of money to be recharged to the automatic recharging system of the reserve payment from the storage account of the lending company.
It should be noted that, in the transfer process, money can be automatically transferred, in addition, before transferring money, a selection box can be started and generated, the selection box can be set on the upper column to display the amount of money to be recharged, the lower column is set with an option of "agreeing" or "disagreeing" with the user for automatic recharging, and when an "agreement" instruction is detected in a preset area, the party automatically transfers the corresponding amount of money to be recharged from the account of the recharging merchant.
Analyzing a service record to be traded in a preset time period to obtain a flow value to be released; when the flow value to be paid is detected to be lower than the preset upper limit amount of the current corresponding spare payment, comparing the flow value to be paid with the preset lower limit amount of the current corresponding spare payment to obtain a comparison result; and adjusting the preset lower limit amount of the reserve payment based on the comparison result so as to trigger the recharge of the reserve payment based on the adjusted preset lower limit amount. Since in the application, the record of the service to be transacted, i.e. the service to be paid, in the preset time period is obtained, the flow value of the service to be paid is compared with the preset lower limit amount, further, the preset lower limit amount is adjusted based on the comparison result, the reserve payment is charged based on the adjusted preset lower limit amount, therefore, the recharging and paying reserve can ensure the recharging requirement of the service to be paid, and because the preset lower limit amount and the flow value of the service to be paid are correspondingly adjusted, instead of the random recharging of the reserve payment money, the unreasonable utilization of the reserve payment money can be avoided, and in addition, because the reserve payment money is automatically recharged based on the preset lower limit money after adjustment, in the process, the intervention is not required, so the application solves the technical problems of low recharging efficiency and unreasonable fund utilization in the recharging process of the reserve payment money in the prior art.
Further, the present invention provides another embodiment of the method for recharging the prepaid money, in which the step of comparing the target preset lower limit amount with the current preset lower limit amount to obtain the comparison result includes:
and if the current lower limit value of the paying-off flow is lower than the target lower limit value of the paying-off flow, generating an early warning prompt.
In this embodiment, a selection box is arranged on the prepaid money system, and an option that a user agrees with or disagrees with the automatic recharging of the prepaid money is arranged on the selection box, that is, after manual authorization is required, the prepaid money can be recharged automatically to improve recharging safety, and an early warning prompt parameter is arranged in the prepaid money recharging system, and if the current lower limit value of the payout flow is lower than the target lower limit value of the payout flow, an early warning prompt is generated to remind the user to click on the selection box to "agree with" the automatic recharging of the prepaid money or "disagree" the automatic recharging of the prepaid money, and the early warning prompt can be in a voice prompt mode.
In this embodiment, if the current lower limit value of the deposit flow is lower than the target lower limit value of the deposit flow, an early warning prompt is generated. In the embodiment, when the recharge of the reserve payment money needs manual authorization, the user is prompted to confirm whether the reserve payment money needs automatic recharge in time, and the recharge efficiency is improved while the safety performance is improved.
Further, the present invention provides another embodiment of the prepaid fee recharging method, in which the step of analyzing the service record to be traded in the preset time period to obtain the flow value to be paid includes:
and when the flow value of the to-be-paid money is larger than the current preset upper limit amount, generating a batch instruction of recharging the reserve payment in batches so as to realize recharging the reserve payment in batches.
In this embodiment, a current preset upper limit amount corresponding to the prepaid money is obtained, where the current preset upper limit amount may be an amount of the prepaid money with the largest number that can be stored in the third party payment, and after the current preset upper limit amount is obtained, it is required to detect whether the flow value to be paid is greater than the current preset upper limit amount. To meet the requirement of monitoring, the current preset upper limit amount is 200 ten thousand, and the current flow value to be paid may be 2000 ten thousand, which is larger than the corresponding preset upper limit amount.
When the flow value of the money to be released is larger than the current preset upper limit amount, generating a batch instruction of recharging and preparing payment in batches to realize batch recharging and preparing payment, wherein the step of recharging and preparing payment in batches comprises the following steps:
when the flow value to be paid is larger than the current preset upper limit amount, acquiring the difference amount between the flow value to be paid and the current preset upper limit amount;
and generating batch instructions for recharging the reserve payment in batches based on the difference amount and the current preset upper limit amount so as to realize batch recharging of the reserve payment.
When the target preset lower limit amount is larger than the current preset upper limit amount, adjusting the current preset lower limit amount to be the same value as the current preset upper limit amount, obtaining the difference amount between the target preset lower limit amount and the current preset upper limit amount, generating a batch instruction of batch recharging of the spare funds based on the difference amount and the current preset upper limit amount, and batch recharging of the spare funds, wherein each batch of recharged spare funds can be the current preset upper limit amount, when the difference amount is also larger than the current preset upper limit amount, the difference amount is batch processed according to the current preset upper limit amount, which is described by a specific embodiment, the current preset upper limit amount is 200 thousands, so that each batch of recharged upper limit amount is 200 thousands, and the target preset lower limit amount is 2000 thousands, thus obtaining the difference amount of 1800 thousands, and batch recharging is performed based on the difference amount, wherein each batch of recharged 200 thousands, until the recharge of the reserve payment is completed.
In this embodiment, when the flow value to be paid is greater than the current preset upper limit amount, a batch instruction for recharging the reserve payment in batches is generated, so as to realize recharging the reserve payment in batches. Therefore, in the application, the supervision requirement can be met in the recharging process of the reserve payment, and the user experience is improved.
Further, the present invention provides another embodiment of the method for recharging the prepaid fee, in which the batch instruction for generating the component batch recharging of the prepaid fee based on the difference amount and the current preset upper limit amount includes:
acquiring a money putting rate of the prestored flow value to be paid, and acquiring the recharging time of the alternative payment in different batches based on the money putting rate;
after the prepaid funds are batched, the time for automatically recharging the prepaid funds also needs to be calculated, so as to utilize the amount of funds to the maximum extent, in the application, the deposit rate refers to the amount of funds to be deposited per minute or per hour, it needs to be noted that, because the amount of the highest amount issued by the third party payment is determined and the time for the third party to pay and dispense each amount is determined, the deposit rate of the flow value to be deposited can be obtained based on the amount of the highest amount issued and the time for dispensing each amount, wherein the deposit rate is determined and pre-stored in the prepaid fee recharging system, the recharging time of different batches of prepaid funds is obtained based on the deposit rate, the deposit rate is accelerated, the recharging time of the later batch of prepaid funds is advanced, and the prepaid funds of the later batch of prepaid funds are recharged to the account before the previous batch of prepaid funds are deposited.
And recharging the reserve payment in batches based on the recharging time.
And after the recharging time of the spare payment money of different batches is obtained through calculation, recharging the corresponding spare payment money in batches based on the recharging time of the spare payment money of different batches.
In this embodiment, the charging time of the alternative funds in different batches is obtained based on the deposit rate by obtaining the pre-stored deposit rate of the flow value to be deposited; and recharging the reserve payment in batches based on the recharging time. Therefore, in the application, the fund is reasonably utilized, and the customer experience is improved.
Further, the present invention provides another embodiment of the prepaid fee recharging method according to the present invention, in this embodiment, the adjusting the preset lower limit amount of the prepaid fee based on the comparison result, and after the step of recharging the prepaid fee based on the adjusted preset lower limit amount is triggered, the steps include:
and when detecting that the value of the reserve payment money is successfully added, carrying out the certification processing of the electronic certificate.
In the application, when the completion of the recharging of the reserve money is detected, the automatic electronic voucher certification making processing is carried out, the electronic voucher comprises the recharging time of the reserve money, the recharging amount of the reserve money, the recharging transaction type of the reserve money and the like, and after the recharging of the reserve money is completed, the electronic voucher is sent to a corresponding client side for confirmation processing of finance.
The invention provides a prepaid money recharging device, which comprises:
the analysis module is used for analyzing the business record to be traded in a preset time period so as to obtain the flow value to be paid;
the comparison module is used for comparing the flow value to be paid with the preset lower limit amount of the current corresponding spare payment to obtain a comparison result when the flow value to be paid is detected to be lower than the preset upper limit amount of the current corresponding spare payment;
and the adjusting module is used for adjusting the preset lower limit amount of the prepaid fee based on the comparison result so as to trigger recharging of the prepaid fee based on the adjusted preset lower limit amount.
Optionally, the alignment module comprises:
the first acquisition unit is used for acquiring the mapping relation between the flow value to be paid and the preset lower limit amount of the corresponding spare payment;
the second acquisition unit is used for acquiring the target preset lower limit amount of the reserve payment based on the mapping relation;
and the comparison unit is used for comparing the target preset lower limit amount with the current preset lower limit amount so as to obtain a comparison result.
Further, the present invention also provides a prepaid money charging device, which comprises:
and the prompt module is used for generating an early warning prompt if the current lower limit value of the paying-off flow is lower than the target lower limit value of the paying-off flow.
Optionally, the prepaid monetary recharge device further comprises:
and the generation module is used for generating batch instructions of recharging the reserve payment in batches when the flow value to be paid is larger than the current preset upper limit amount so as to realize recharging the reserve payment in batches.
Optionally, the generating module includes:
the third acquisition unit is used for acquiring the difference value of the flow value to be paid and the current preset upper limit amount when the flow value to be paid is larger than the current preset upper limit amount;
and the batching unit is used for generating batching instructions of the component batch recharging and preparing funds based on the difference amount and the current preset upper limit amount so as to realize batch recharging and preparing funds.
Optionally, the generating module further includes:
the fourth acquisition unit is used for acquiring the pre-stored paying rate of the flow value to be paid and acquiring the recharging time of the alternative payments in different batches based on the paying rate;
and the recharging unit is used for recharging the reserve payment in batches based on the recharging time.
Optionally, the prepaid monetary recharge device further comprises:
and the certificate making module is used for making the certificate of the electronic certificate when detecting that the recharging of the reserve payment money is successful.
The specific implementation of the prepaid money recharging device of the invention is basically the same as the embodiments of the prepaid money recharging method, and the detailed description is omitted here.
Referring to fig. 3, fig. 3 is a schematic device structure diagram of a hardware operating environment related to the method according to the embodiment of the present invention.
The prepaid fee recharging device in the embodiment of the invention can be a PC, and also can be a terminal device such as a smart phone, a tablet computer, an electronic book reader, an MP3(Moving Picture Experts Group Audio Layer III, dynamic video Experts compression standard Audio Layer 3) player, an MP4(Moving Picture Experts Group Audio Layer IV, dynamic video Experts compression standard Audio Layer 4) player, a portable computer and the like.
As shown in fig. 3, the prepaid money charging apparatus may include: a processor 1001, such as a CPU, a memory 1005, and a communication bus 1002. The communication bus 1002 is used for realizing connection communication between the processor 1001 and the memory 1005. The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a memory device separate from the processor 1001 described above.
Optionally, the prepaid money charging device may further include a user interface, a network interface, a camera, an RF (Radio Frequency) circuit, a sensor, an audio circuit, a WiFi module, and the like. The user interface may comprise a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface may also comprise a standard wired interface, a wireless interface. The network interface may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface).
Those skilled in the art will appreciate that the configuration of the prepaid monetary refill device shown in fig. 3 is not intended to be limiting of the prepaid monetary refill device and may include more or fewer components than shown, or some components in combination, or a different arrangement of components.
As shown in fig. 3, a memory 1005, which is a kind of computer storage medium, may include an operating system, a network communication module, and a prepaid fee charging program therein. The operating system is a program that manages and controls the hardware and software resources of the prepaid monetary recharge device, supporting the operation of the prepaid monetary recharge program as well as other software and/or programs. The network communication module is used for realizing communication among components in the memory 1005 and communication with other hardware and software in the prepaid monetary recharge device.
In the prepaid monetary recharge device shown in fig. 3, the processor 1001 is configured to execute a prepaid monetary recharge program stored in the memory 1005, implementing the steps of:
analyzing a business record to be traded in a preset time period to obtain a flow value to be released;
when the flow value to be paid is detected to be lower than the preset upper limit amount of the current corresponding spare payment, comparing the flow value to be paid with the preset lower limit amount of the current corresponding spare payment to obtain a comparison result;
and adjusting the preset lower limit amount of the reserve payment based on the comparison result so as to trigger the recharge of the reserve payment based on the adjusted preset lower limit amount.
Further, the step of comparing the flow value to be paid with the preset lower limit amount of the current corresponding spare payment to obtain a comparison result comprises:
acquiring a mapping relation between the flow value to be paid and a preset lower limit amount of the corresponding spare payment;
acquiring a target preset lower limit amount of the reserve payment based on the mapping relation;
and comparing the target preset lower limit amount with the current preset lower limit amount to obtain a comparison result.
Further, the step of comparing the target preset lower limit amount with the current preset lower limit amount to obtain a comparison result includes:
and if the current preset lower limit amount is lower than the target preset lower limit amount, generating an early warning prompt.
Further, the step of analyzing the service record to be traded within the preset time period to obtain the flow value to be paid comprises the following steps:
and when the flow value of the to-be-paid money is larger than the current preset upper limit amount, generating a batch instruction of recharging the reserve payment in batches so as to realize recharging the reserve payment in batches.
Further, when the flow value of the to-be-paid money is larger than the current preset upper limit amount, generating a batch instruction of recharging the reserve payment in batches to realize batch recharging of the reserve payment, wherein the step of recharging the reserve payment in batches comprises the following steps:
when the flow value to be paid is larger than the current preset upper limit amount, acquiring the difference amount between the flow value to be paid and the current preset upper limit amount;
and generating batch instructions for recharging the reserve payment in batches based on the difference amount and the current preset upper limit amount so as to realize batch recharging of the reserve payment.
Further, the batch instruction for generating the component batch recharging reserve payment based on the difference amount and the current preset upper limit amount comprises the following steps:
acquiring a money putting rate of the prestored flow value to be paid, and acquiring the recharging time of the alternative payment in different batches based on the money putting rate;
and recharging the reserve payment in batches based on the recharging time.
Further, the adjusting the preset lower limit amount of the prepaid fee based on the comparison result to trigger the step of recharging the prepaid fee based on the adjusted preset lower limit amount includes:
and when detecting that the value of the reserve payment money is successfully added, carrying out the certification processing of the electronic certificate.
The specific implementation of the prepaid fee recharging device of the invention is basically the same as the embodiments of the prepaid fee recharging method, and the detailed description is omitted here.
The present invention provides a computer readable storage medium storing one or more programs, the one or more programs being further executable by one or more processors for implementing the steps of the method for recharging a reserve payment as described above.
The specific implementation of the computer-readable storage medium of the present invention is substantially the same as the embodiments of the method for charging a prepaid fee, and will not be described herein again.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by the contents of the present specification and drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (9)
1. A method for recharging reserve payment money is characterized by comprising the following steps:
analyzing the business records to be traded in a preset time period to obtain the corresponding transaction amount of each business record to be traded, and determining the flow value to be paid according to the transaction amount;
when the flow value to be paid is detected to be lower than the preset upper limit amount of the current corresponding spare payment, comparing the flow value to be paid with the preset lower limit amount of the current corresponding spare payment to obtain a comparison result;
based on the comparison result, adjusting the preset lower limit amount of the current corresponding spare payment to trigger the recharging of the spare payment based on the adjusted preset lower limit amount;
wherein, the step of comparing the flow value to be paid with the preset lower limit amount of the current corresponding spare payment to obtain the comparison result comprises:
acquiring a mapping relation between the flow value to be paid and a preset lower limit amount of the current corresponding spare payment;
acquiring a target preset lower limit amount of the current corresponding spare payment based on the mapping relation;
comparing the target preset lower limit amount with a preset lower limit amount of the current corresponding spare payment to obtain a comparison result;
based on the comparison result, adjusting the preset lower limit amount of the current corresponding fund to be paid comprises the following steps:
when the preset lower limit amount of the current corresponding spare payment is smaller than the target preset lower limit amount, improving the preset lower limit amount of the current corresponding spare payment;
and when the preset lower limit amount of the current corresponding spare payment is larger than the target preset lower limit amount, reducing the preset lower limit amount of the current corresponding spare payment.
2. The method for recharging the reserve payment of claim 1, wherein the step of comparing the target preset lower limit amount with the preset lower limit amount of the current corresponding reserve payment to obtain the comparison result comprises the following steps:
and if the preset lower limit amount of the current corresponding spare payment is lower than the target preset lower limit amount, generating an early warning prompt.
3. The method for replenishing reserve payment of claim 1, wherein the step of analyzing the records of the business to be traded in the preset time period to obtain the transaction amount corresponding to each record of the business to be traded, and determining the flow value to be paid according to the transaction amount comprises the following steps:
and when the flow value of the to-be-paid money is larger than the preset upper limit amount of the current corresponding reserve payment, generating a batch instruction of recharging the reserve payment in batches so as to realize the batch recharging of the reserve payment.
4. The method for recharging the reserve payment of claim 3, wherein the step of generating batch instructions for recharging the reserve payment in batches when the flow value to be paid is greater than the preset upper limit amount of the current corresponding reserve payment to realize batch recharging of the reserve payment comprises:
when the flow value to be paid is larger than the preset upper limit amount of the current corresponding spare payment, acquiring the difference amount between the flow value to be paid and the preset upper limit amount of the current corresponding spare payment;
and generating a batch instruction of the component batch recharging of the reserve payment based on the difference amount and the preset upper limit amount of the corresponding reserve payment at present so as to realize batch recharging of the reserve payment.
5. The method of recharging a reserve payment of claim 4, wherein said generating a batch of recharging a reserve payment of a batch based on said difference amount and a preset ceiling amount of a current corresponding reserve payment is followed by:
acquiring a money putting rate of the prestored flow value to be paid, and acquiring the recharging time of the alternative payment in different batches based on the money putting rate;
and recharging the reserve payment in batches based on the recharging time.
6. The prepaid money charging method according to any of claims 1-5, wherein the adjusting the preset lower limit amount of the current corresponding prepaid money based on the comparison result to trigger the step of charging the prepaid money based on the adjusted preset lower limit amount comprises:
and when detecting that the value of the reserve payment money is successfully added, carrying out the certification processing of the electronic certificate.
7. A prepaid money charging device, characterized in that the prepaid money charging device comprises:
the analysis module is used for analyzing the business records to be transacted within a preset time period so as to obtain the transaction amount corresponding to each business record to be transacted and determining the flow value to be released according to the transaction amount;
the comparison module is used for comparing the flow value to be paid with the preset lower limit amount of the current corresponding spare payment to obtain a comparison result when the flow value to be paid is detected to be lower than the preset upper limit amount of the current corresponding spare payment;
the adjusting module is used for adjusting the preset lower limit amount of the current corresponding reserve payment based on the comparison result so as to trigger the recharge of the reserve payment based on the adjusted preset lower limit amount;
the comparison module is further used for obtaining a mapping relation between the flow value to be paid and a preset lower limit amount of the corresponding reserve payment at present; acquiring a target preset lower limit amount of the current corresponding spare payment based on the mapping relation; comparing the target preset lower limit amount with a preset lower limit amount of the current corresponding spare payment to obtain a comparison result;
the adjusting module is further used for increasing the preset lower limit amount of the current corresponding spare payment when the preset lower limit amount of the current corresponding spare payment is smaller than the target preset lower limit amount; and when the preset lower limit amount of the current corresponding spare payment is larger than the target preset lower limit amount, reducing the preset lower limit amount of the current corresponding spare payment.
8. A prepaid money charging apparatus, characterized by comprising: a memory, a processor, a communication bus and a prepaid monetary recharge program stored on the memory,
the communication bus is used for realizing communication connection between the processor and the memory;
the processor is configured to execute the prepaid monetary recharge program to implement the steps of the method of prepaid monetary recharge as claimed in any one of claims 1 to 6.
9. A computer-readable storage medium, having stored thereon a prepaid monetary recharge program which, when executed by a processor, implements the steps of the method of prepaid monetary recharge as claimed in any one of claims 1 to 6.
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| CN106530074A (en) * | 2016-10-25 | 2017-03-22 | 宁波银行股份有限公司 | Large amount charge-off control method and system, and cash management information system |
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| US10354301B2 (en) * | 2014-10-02 | 2019-07-16 | Omnicharge, Inc. | Mobile power source and method of use |
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| CN105741089A (en) * | 2016-02-25 | 2016-07-06 | 北京几币几网络科技有限公司 | Method for lowering risk of open account transaction |
| CN106203997A (en) * | 2016-06-21 | 2016-12-07 | 东信和平科技股份有限公司 | A kind of electronic purse recharging method and system |
| CN106530074A (en) * | 2016-10-25 | 2017-03-22 | 宁波银行股份有限公司 | Large amount charge-off control method and system, and cash management information system |
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