CN111612506A - Financial resource deduction method and device and electronic equipment - Google Patents
Financial resource deduction method and device and electronic equipment Download PDFInfo
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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
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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
- G06Q30/00—Commerce
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Abstract
The disclosure relates to a financial resource deduction method, device, electronic equipment and computer readable medium. The method comprises the following steps: receiving a financial resource deduction request from a user, wherein the financial resource deduction request comprises a user identifier, a product identifier of a product to be deducted and deduction information; acquiring the current stage and the total return stage of the product to be withheld according to the user identification and the product identification; obtaining a deduction strategy of the product to be deducted according to the product identification of the product to be deducted; and responding the financial resource deduction request according to the deduction information when the current stage and the total returning stage meet the deduction strategy. The financial resource deduction method, the financial resource deduction device, the electronic equipment and the computer readable medium can avoid product activity loopholes, guide users to use deduction information according to time and promote reasonable circulation of financial resources.
Description
Technical Field
The present disclosure relates to the field of computer information processing, and in particular, to a financial resource deduction method, apparatus, electronic device, and computer readable medium.
Background
With the development of network technology, more and more users choose to handle related services through the network, and network platforms specially providing financial services are produced. On the financial server platform, the user can apply various financial services, such as temporary borrowing service, amortization service and the like of financial resources, and the financial service platform maintains the operation of the platform by collecting commission.
On a financial service platform, financial resources are also required to be popularized as a product through various advertisements, wherein the popularization activities popular with users are various coupons and vouchers aiming at the financial resources. The discount coupons and the discount coupons can enable the user to enjoy cash discount on the basis of enjoying financial services, and the discount coupons can also be discounted for discount; and the user of the financial service platform can use the financial service platform according to the corresponding rule of the financial coupon.
However, since the service provided by the financial resource service platform is a long-term service, after receiving the coupon and the discount coupon and enjoying the service of response, some users may have an action of escaping from the initial rule in the subsequent financial service process, and some users may even perform malicious cash register or malicious money withdrawal actions by using the coupon and the discount coupon provided by the financial service platform.
The above information disclosed in this background section is only for enhancement of understanding of the background of the disclosure and therefore it may contain information that does not constitute prior art that is already known to a person of ordinary skill in the art.
Disclosure of Invention
In view of the above, the present disclosure provides a financial resource deduction method, apparatus, electronic device and computer readable medium, which can avoid generating product activity loopholes, guide users to use deduction information on a scheduled basis, and promote reasonable circulation of financial resources.
Additional features and advantages of the disclosure will be set forth in the detailed description which follows, or in part will be obvious from the description, or may be learned by practice of the disclosure.
According to an aspect of the present disclosure, a financial resource deduction method is provided, the method including: receiving a financial resource deduction request from a user, wherein the financial resource deduction request comprises a user identifier, a product identifier of a product to be deducted and deduction information; acquiring the current stage and the total return stage of the product to be withheld according to the user identification and the product identification; obtaining a deduction strategy of the product to be deducted according to the product identification of the product to be deducted; and responding the financial resource deduction request according to the deduction information when the current stage and the total returning stage meet the deduction strategy.
Optionally, the method further comprises: and when the advance return request of the user is received, the deduction information corresponding to the user is changed into an invalid state.
Optionally, the method further comprises: acquiring product information of a product; obtaining the cost of the product according to the product information; determining a target stage of the product according to the product cost; and generating the deduction strategy according to the target stage and the stage limiting condition of the product.
Optionally, calculating the cost of the product according to the product information includes: and calculating the cost of the multiple stages of the multiple products according to the product amount and the number of the product stages in the product information.
Optionally, determining the target stage of the product according to the product cost includes: determining the gains of a plurality of stages of the product according to the product stage number and the product information fee information in the product information; and comparing the multiple stage gains with the multiple stage costs, and taking the current stage as the target stage when the stage gains are larger than the stage costs.
Optionally, when the current stage and the total returning stage satisfy the deduction policy, the method includes: and when the total returning stage meets the stage limiting conditions in the deduction strategy and the current stage is greater than or equal to the target stage in the deduction strategy, determining that the current stage and the total returning stage meet the deduction strategy.
Optionally, the deduction information includes information of discount of fee; responding the financial resource deduction request according to the deduction information, and the method comprises the following steps: determining a resource return amount according to the user identification and the product identification of the product to be withheld; determining a deduction amount according to the information fee discount information and the resource return amount; and generating response information according to the deduction amount.
Optionally, the deduction information comprises information of exemption; responding the financial resource deduction request according to the deduction information, and the method comprises the following steps: determining a deduction amount according to the free information; and generating response information according to the deduction amount.
Optionally, the method further comprises: acquiring a money resource application request of a user, wherein the money resource application request comprises a product identifier, product money and a total return stage; distributing deduction information for the user according to the product and the total return stage; generating resource returning trial calculation information according to the total returning stage, the product amount and the deduction information; and pushing the resource returning trial calculation information to a user for display.
Optionally, generating resource return trial information according to the total return stage, the product amount and the deduction information, including: acquiring the number of total return stages; generating the resource return amount of each resource return stage according to the product amount and the deduction information; and arranging the resource return money of each resource return stage in a descending order according to the resource return time to generate the resource return trial information.
According to an aspect of the present disclosure, a financial resource withholding device is provided, the device including: the system comprises a request module, a deduction module and a deduction module, wherein the request module is used for receiving a financial resource deduction request from a user, and the financial resource deduction request comprises a user identifier, a product identifier of a product to be deducted and deduction information; the stage module is used for acquiring the current stage and the total return stage of the product to be withheld according to the user identification and the product identification; the strategy module is used for acquiring the deduction strategy of the product to be deducted according to the product identification of the product to be deducted; and the response module is used for responding the financial resource deduction request according to the deduction information when the deduction strategy is met in the current stage and the total returning stage.
Optionally, the method further comprises: and the invalidation module is used for changing the deduction information corresponding to the user into an invalid state when receiving the advance return request of the user.
Optionally, the method further comprises: the strategy module is used for acquiring product information of a product; obtaining the cost of the product according to the product information; determining a target stage of the product according to the product cost; and generating the deduction strategy according to the target stage and the stage limiting condition of the product.
Optionally, the policy module includes: and the cost unit is used for calculating the cost of the multiple stages of the multiple products according to the product amount and the number of the product stages in the product information.
Optionally, the cost unit is further configured to determine a plurality of stage profits of the product according to the product stage number and the product information fee information in the product information; and comparing the multiple stage gains with the multiple stage costs, and taking the current stage as the target stage when the stage gains are larger than the stage costs.
Optionally, the response module includes: and the judging unit is used for determining that the current stage and the total returning stage meet the deduction strategy when the total returning stage meets the stage limiting conditions in the deduction strategy and the current stage is greater than or equal to the target stage in the deduction strategy.
Optionally, the deduction information includes information of discount of fee; the response module includes: the charge unit is used for determining the resource return amount according to the user identification and the product identification of the product to be deducted; determining a deduction amount according to the information fee discount information and the resource return amount; and generating response information according to the deduction amount.
Optionally, the deduction information comprises information of exemption; the response module includes: the free information unit is used for determining the deduction amount according to the free information; and generating response information according to the deduction amount.
Optionally, the method further comprises: the trial calculation module is used for acquiring a money resource application request of a user, wherein the money resource application request comprises a product identifier, product money and a total return stage; distributing deduction information for the user according to the product and the total return stage; generating resource returning trial calculation information according to the total returning stage, the product amount and the deduction information; and pushing the resource returning trial calculation information to a user for display.
Optionally, the trial calculation module is further configured to obtain the number of total return stages; generating the resource return amount of each resource return stage according to the product amount and the deduction information; and arranging the resource return money of each resource return stage in a descending order according to the resource return time to generate the resource return trial information.
According to an aspect of the present disclosure, an electronic device is provided, the electronic device including: one or more processors; storage means for storing one or more programs; when executed by one or more processors, cause the one or more processors to implement a method as above.
According to an aspect of the disclosure, a computer-readable medium is proposed, on which a computer program is stored, which program, when being executed by a processor, carries out the method as above.
According to the financial resource deduction method, the financial resource deduction device, the electronic equipment and the computer readable medium, the current stage and the total return stage of the product to be deducted are obtained according to the user identification and the product identification; obtaining a deduction strategy of the product to be deducted according to the product identification of the product to be deducted; when the current stage and the total returning stage meet the deduction strategy, the mode of responding the financial resource deduction request according to the deduction information can avoid the generation of product activity loopholes, guide users to use the deduction information according to the period, and promote the reasonable circulation of financial resources.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.
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The above and other objects, features and advantages of the present disclosure will become more apparent by describing in detail exemplary embodiments thereof with reference to the attached drawings. The drawings described below are merely some embodiments of the present disclosure, and other drawings may be derived from those drawings by those of ordinary skill in the art without inventive effort.
Fig. 1 is a system block diagram illustrating a financial resource deduction method and apparatus according to an exemplary embodiment.
FIG. 2 is a flow diagram illustrating a method of financial resource deduction according to an exemplary embodiment.
FIG. 3 is a schematic diagram illustrating a method of financial resource deduction according to another exemplary embodiment.
FIG. 4 is a flow diagram illustrating a method of financial resource deduction according to another exemplary embodiment.
FIG. 5 is a flow diagram illustrating a method of financial resource deduction according to another exemplary embodiment.
FIG. 6 is a schematic diagram illustrating a method of financial resource deduction according to another exemplary embodiment.
FIG. 7 is a block diagram illustrating a financial resource withholding apparatus, according to an example embodiment.
Fig. 8 is a block diagram illustrating a financial resource withholding apparatus according to another exemplary embodiment.
FIG. 9 is a block diagram illustrating an electronic device in accordance with an example embodiment.
FIG. 10 is a block diagram illustrating a computer-readable medium in accordance with an example embodiment.
Detailed Description
Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The same reference numerals denote the same or similar parts in the drawings, and thus, a repetitive description thereof will be omitted.
Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to give a thorough understanding of embodiments of the disclosure. One skilled in the relevant art will recognize, however, that the subject matter of the present disclosure can be practiced without one or more of the specific details, or with other methods, components, devices, steps, and so forth. In other instances, well-known methods, devices, implementations, or operations have not been shown or described in detail to avoid obscuring aspects of the disclosure.
The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.
The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.
It will be understood that, although the terms first, second, third, etc. may be used herein to describe various components, these components should not be limited by these terms. These terms are used to distinguish one element from another. Thus, a first component discussed below may be termed a second component without departing from the teachings of the disclosed concept. As used herein, the term "and/or" includes any and all combinations of one or more of the associated listed items.
It is to be understood by those skilled in the art that the drawings are merely schematic representations of exemplary embodiments, and that the blocks or processes shown in the drawings are not necessarily required to practice the present disclosure and are, therefore, not intended to limit the scope of the present disclosure.
Fig. 1 is a system block diagram illustrating a financial resource deduction method and apparatus according to an exemplary embodiment.
As shown in fig. 1, the system architecture 10 may include terminal devices 101, 102, 103, a network 104, and a server 105. The network 104 serves as a medium for providing communication links between the terminal devices 101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.
The user may use the terminal devices 101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The terminal devices 101, 102, 103 may have various communication client applications installed thereon, such as a financial services application, a shopping application, a web browser application, an instant messaging tool, a mailbox client, social platform software, and the like.
The terminal devices 101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 105 may be a server that provides various services, such as a background management server that supports financial services websites browsed by the user using the terminal apparatuses 101, 102, and 103. The backend management server may perform processing such as analysis on the received user data, and feed back a processing result (e.g., financial resource deduction information) to the terminal devices 101, 102, and 103.
The server 105 may, for example, receive a financial resource deduction request from a user, the financial resource deduction request including a user identification, a product identification of a product to be deducted, and deduction information; the server 105 may obtain the current stage and the total returning stage of the product to be withheld, for example, according to the user identifier and the product identifier; the server 105 may obtain the deduction policy of the product to be deducted, for example, according to the product identifier of the product to be deducted; the server 105 may respond to the financial resource withholding request according to the withholding information, for example, when the current stage and the total returning stage satisfy the withholding policy.
The server 105 may also change the deduction information corresponding to the user to an invalid state, for example, when receiving an advance return request of the user.
The server 105 may be an entity server, or may be composed of a plurality of servers, for example, it should be noted that the financial resource deduction method provided by the embodiment of the present disclosure may be executed by the server 105, and accordingly, the financial resource deduction device may be disposed in the server 105. And the web page end provided for the user to browse the financial service platform is generally positioned in the terminal equipment 101, 102 and 103.
FIG. 2 is a flow diagram illustrating a method of financial resource deduction according to an exemplary embodiment. The method 20 at least includes steps S202 to S208.
As shown in fig. 2, in S202, a financial resource deduction request from a user is received, where the financial resource deduction request includes a user identifier, a product identifier of a product to be deducted, and deduction information. More specifically, the financial resource withholding request may be a repayment withholding request of a certain product, and the user may apply for the withholding request while repaying if there is a coupon or a withholding coupon when performing a repayment operation. The user may also include information on the products to be withheld in the withholding request, as multiple product offers may be involved.
In S204, the current stage and the total returning stage of the product to be withheld are obtained according to the user identifier and the product identifier. And calling related data in the database according to the identification information of the user, and determining the current stage of the product user to be withheld. For example, in the installment repayment product, the user can select different installment quantities, specifically 3 installments, 6 installments, 12 installments and so on, and determine which installment amount the user applies for repayment and the total installment amount of the installment according to the user information.
In S206, a deduction policy of the product to be deducted is obtained according to the product identifier of the product to be deducted. The deduction strategies of different products are different, and the deduction strategy of the product A can be as follows: using the deduction ticket in the last 3 stages of the staging, the deduction strategy of the B product can be as follows: the first two installments are unavailable for vouchers, etc.
In S208, when the current stage and the total returning stage satisfy the deduction policy, responding to the financial resource deduction request according to the deduction information.
In one embodiment, when the total returning stage meets a stage limiting condition in a deduction strategy and the current stage is greater than or equal to a target stage in the deduction strategy, it is determined that the current stage and the total returning stage meet the deduction strategy. For example, the policy of a certain product is that deduction can be performed when the total return stage is stage 12 and the current stage is one of stages 10,11 and 12.
In one embodiment, the deduction information comprises information of discount of interest fee; responding the financial resource deduction request according to the deduction information, and the method comprises the following steps: determining a resource return amount according to the user identification and the product identification of the product to be withheld; determining a deduction amount according to the information fee discount information and the resource return amount; and generating response information according to the deduction amount.
In one embodiment, the withholding information comprises information of exemption; responding the financial resource deduction request according to the deduction information, and the method comprises the following steps: determining a deduction amount according to the free information; and generating response information according to the deduction amount.
In one embodiment, further comprising: and when the advance return request of the user is received, the deduction information corresponding to the user is changed into an invalid state.
FIG. 3 is a schematic diagram illustrating a method of financial resource deduction according to another exemplary embodiment. Fig. 3 is a detailed description of the flow shown in fig. 2. As shown in fig. 3, in one embodiment, a coupon may be configured to be available for six and twelve months, with a discount of 9 for two minutes.
The specific rule may be: when the borrowing of the user is in the first period and the third period, the coupon is not available; when the user borrows money for six days and uses the coupon, if the user pays money in advance before the fifth period, the user does not enjoy the coupon discount; when the user pays in advance between the fifth period and the sixth period, the user only enjoys the discount of 9 times of the interest fee of the fifth period and does not enjoy the discount of the sixth period; if the user does not settle in advance, the user can fully enjoy the interest fee of 9 discount between the fifth period and the sixth period.
As shown in fig. 3, in one embodiment, the number of interest-free periods of a certain interest-free circle may be configured to become the number of back-pushed offers from the end of the user's actual data borrowing period.
The specific rule may be: if a coupon six and twelve times is available, and a coupon with 50 yuan per time is preferential when the number of free times is three and twelve times, the coupon is unavailable when the borrowing of the user is one or three times; when the user debits for twelve years and uses the coupon, the coupon offer is not enjoyed if the user makes a payment ahead of the tenth year. When the user pays in advance between the tenth stage and the eleventh stage, the user only enjoys the 50 yuan of discount of the tenth stage interest fee and does not enjoy the discount of the eleventh stage and the twelfth stage; when the user pays in advance between the eleventh and twelfth periods, the user enjoys the 50 yuan discount of each of the tenth and eleventh periods and does not enjoy the discount of the twelfth period; if the user does not settle in advance, the user can fully enjoy 50 yuan per phase of the tenth phase, the eleventh phase and the twelfth phase.
According to the financial resource deduction method, the current stage and the total return stage of the product to be deducted are obtained according to the user identification and the product identification; obtaining a deduction strategy of the product to be deducted according to the product identification of the product to be deducted; when the current stage and the total returning stage meet the deduction strategy, the mode of responding the financial resource deduction request according to the deduction information can avoid the generation of product activity loopholes, guide users to use the deduction information according to the period, and promote the reasonable circulation of financial resources.
It should be clearly understood that this disclosure describes how to make and use particular examples, but the principles of this disclosure are not limited to any details of these examples. Rather, these principles can be applied to many other embodiments based on the teachings of the present disclosure.
FIG. 4 is a flow diagram illustrating a method of financial resource deduction according to another exemplary embodiment. The flow shown in fig. 4 is a supplementary description of the flow shown in fig. 2.
As shown in fig. 4, in S402, product information of a product is acquired. The product information may include cost information of the product, which may include, for example, costs of human and material resources, costs of financial resources, cost of promotion, and so forth.
In S404, the cost of the product is obtained according to the product information. The method comprises the following steps: and calculating the cost of the multiple stages of the multiple products according to the product amount and the number of the product stages in the product information. And determining the income information of the product at different stages according to the cost information, the borrowing combination of the user and the information related to the interest fee.
In S406, a target stage of the product is determined according to the product cost. The method comprises the following steps: determining the gains of a plurality of stages of the product according to the product stage number and the product information fee information in the product information; and comparing the multiple stage gains with the multiple stage costs, and taking the current stage as the target stage when the stage gains are larger than the stage costs.
In S408, the deduction policy is generated according to the target stage and the stage limitation condition of the product.
FIG. 5 is a flow diagram illustrating a method of financial resource deduction according to another exemplary embodiment. The flow shown in fig. 5 is a supplementary description of the flow shown in fig. 2.
As shown in fig. 5, in S502, a money resource application request of the user is obtained, where the money resource application request includes a product identifier, a product money amount and a total returning stage.
In S504, deduction information is distributed for the user according to the product and the total return phase.
In S506, resource return trial information is generated according to the total return stage, the product amount and the deduction information. The method comprises the following steps: acquiring the number of total return stages; generating the resource return amount of each resource return stage according to the product amount and the deduction information; and arranging the resource return money of each resource return stage in a descending order according to the resource return time to generate the resource return trial information.
In S508, the resource return trial information is pushed to the user for display. The specific push results are shown in fig. 6. In order to reduce the perception of the user on the change as much as possible, in the borrowing page-repayment trial table, repayment particulars are arranged in a descending order according to the borrowing period number of the user; and when the user has no preference, arranging in a normal sequence.
Those skilled in the art will appreciate that all or part of the steps implementing the above embodiments are implemented as computer programs executed by a CPU. When executed by the CPU, performs the functions defined by the above-described methods provided by the present disclosure. The program may be stored in a computer readable storage medium, which may be a read-only memory, a magnetic or optical disk, or the like.
Furthermore, it should be noted that the above-mentioned figures are only schematic illustrations of the processes involved in the methods according to exemplary embodiments of the present disclosure, and are not intended to be limiting. It will be readily understood that the processes shown in the above figures are not intended to indicate or limit the chronological order of the processes. In addition, it is also readily understood that these processes may be performed synchronously or asynchronously, e.g., in multiple modules.
The following are embodiments of the disclosed apparatus that may be used to perform embodiments of the disclosed methods. For details not disclosed in the embodiments of the apparatus of the present disclosure, refer to the embodiments of the method of the present disclosure.
FIG. 7 is a block diagram illustrating a financial resource withholding apparatus, according to an example embodiment. As shown in fig. 7, the financial resource deduction device 70 includes: a request module 702, a phase module 704, a policy module 706, and a response module 708.
The request module 702 is configured to receive a financial resource deduction request from a user, where the financial resource deduction request includes a user identifier, a product identifier of a product to be deducted, and deduction information;
the stage module 704 is configured to obtain a current stage and a total return stage of the product to be withheld according to the user identifier and the product identifier;
the strategy module 706 is configured to obtain a deduction strategy of the product to be deducted according to the product identifier of the product to be deducted;
the response module 708 is configured to respond to the financial resource deduction request according to the deduction information when the deduction policy is satisfied at the current stage and the total returning stage.
The response module 708 includes: and the judging unit is used for determining that the current stage and the total returning stage meet the deduction strategy when the total returning stage meets the stage limiting conditions in the deduction strategy and the current stage is greater than or equal to the target stage in the deduction strategy. The response module 708 further includes: the charge unit is used for determining the resource return amount according to the user identification and the product identification of the product to be deducted; determining a deduction amount according to the information fee discount information and the resource return amount; and generating response information according to the deduction amount. The response module 708 further includes: the free information unit is used for determining the deduction amount according to the free information; and generating response information according to the deduction amount.
Fig. 8 is a block diagram illustrating a financial resource withholding apparatus according to another exemplary embodiment. As shown in fig. 8, the financial resource deduction device 80 includes: an invalidation module 802, a policy module 804, and a trial module 806.
The invalidation module 802 is configured to change the deduction information corresponding to the user into an invalid state when receiving the advance returning request of the user.
The strategy module 804 is used for acquiring product information of a product; obtaining the cost of the product according to the product information; determining a target stage of the product according to the product cost; and generating the deduction strategy according to the target stage and the stage limiting condition of the product. The policy module 804 includes: and the cost unit is used for calculating the cost of the multiple stages of the multiple products according to the product amount and the number of the product stages in the product information. The cost unit is further used for determining the multi-stage income of the product according to the product stage number and the product information fee information in the product information; and comparing the multiple stage gains with the multiple stage costs, and taking the current stage as the target stage when the stage gains are larger than the stage costs.
The trial calculation module 806 is configured to obtain a financial resource application request of a user, where the financial resource application request includes a product identifier, a product amount, and a total return stage; distributing deduction information for the user according to the product and the total return stage; generating resource returning trial calculation information according to the total returning stage, the product amount and the deduction information; and pushing the resource returning trial calculation information to a user for display. The trial calculation module 806 is further configured to obtain the number of total return stages; generating the resource return amount of each resource return stage according to the product amount and the deduction information; and arranging the resource return money of each resource return stage in a descending order according to the resource return time to generate the resource return trial information.
According to the financial resource deduction device disclosed by the invention, the current stage and the total returning stage of the product to be deducted are obtained according to the user identification and the product identification; obtaining a deduction strategy of the product to be deducted according to the product identification of the product to be deducted; when the current stage and the total returning stage meet the deduction strategy, the mode of responding the financial resource deduction request according to the deduction information can avoid the generation of product activity loopholes, guide users to use the deduction information according to the period, and promote the reasonable circulation of financial resources.
FIG. 9 is a block diagram illustrating an electronic device in accordance with an example embodiment.
An electronic device 900 according to this embodiment of the disclosure is described below with reference to fig. 9. The electronic device 900 shown in fig. 9 is only an example and should not bring any limitations to the functionality or scope of use of the embodiments of the present disclosure.
As shown in fig. 9, the electronic device 900 is embodied in the form of a general purpose computing device. Components of electronic device 900 may include, but are not limited to: at least one processing unit 910, at least one storage unit 920, a bus 930 connecting different system components (including the storage unit 920 and the processing unit 910), a display unit 940, and the like.
Wherein the storage unit stores program codes, which can be executed by the processing unit 910, so that the processing unit 910 performs the steps according to various exemplary embodiments of the present disclosure described in the above-mentioned electronic prescription flow processing method section of this specification. For example, the processing unit 910 may perform the steps as shown in fig. 2, 3, 5.
The storage unit 920 may include a readable medium in the form of a volatile storage unit, such as a random access memory unit (RAM)9201 and/or a cache memory unit 9202, and may further include a read only memory unit (ROM) 9203.
The memory unit 920 may also include a program/utility 9204 having a set (at least one) of program modules 9205, such program modules 9205 including but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may comprise an implementation of a network environment.
The electronic device 900 may also communicate with one or more external devices 900' (e.g., keyboard, pointing device, bluetooth device, etc.), with one or more devices that enable a user to interact with the electronic device 900, and/or with any devices (e.g., router, modem, etc.) that enable the electronic device 900 to communicate with one or more other computing devices. Such communication may occur via input/output (I/O) interface 950. Also, the electronic device 900 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN) and/or a public network, such as the Internet) via the network adapter 960. The network adapter 960 may communicate with other modules of the electronic device 900 via the bus 930. It should be appreciated that although not shown, other hardware and/or software modules may be used in conjunction with the electronic device 900, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, as shown in fig. 10, the technical solution according to the embodiment of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, or a network device, etc.) to execute the above method according to the embodiment of the present disclosure.
The software product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The computer readable storage medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable storage medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a readable storage medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations for the present disclosure may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).
The computer readable medium carries one or more programs which, when executed by a device, cause the computer readable medium to perform the functions of: receiving a financial resource deduction request from a user, wherein the financial resource deduction request comprises a user identifier, a product identifier of a product to be deducted and deduction information; acquiring the current stage and the total return stage of the product to be withheld according to the user identification and the product identification; obtaining a deduction strategy of the product to be deducted according to the product identification of the product to be deducted; and responding the financial resource deduction request according to the deduction information when the current stage and the total returning stage meet the deduction strategy.
Those skilled in the art will appreciate that the modules described above may be distributed in the apparatus according to the description of the embodiments, or may be modified accordingly in one or more apparatuses unique from the embodiments. The modules of the above embodiments may be combined into one module, or further split into multiple sub-modules.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, a mobile terminal, or a network device, etc.) to execute the method according to the embodiments of the present disclosure.
Exemplary embodiments of the present disclosure are specifically illustrated and described above. It is to be understood that the present disclosure is not limited to the precise arrangements, instrumentalities, or instrumentalities described herein; on the contrary, the disclosure is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.
Claims (10)
1. A financial resource deduction method, comprising:
receiving a financial resource deduction request from a user, wherein the financial resource deduction request comprises a user identifier, a product identifier of a product to be deducted and deduction information;
acquiring the current stage and the total return stage of the product to be withheld according to the user identification and the product identification;
obtaining a deduction strategy of the product to be deducted according to the product identification of the product to be deducted;
and responding the financial resource deduction request according to the deduction information when the current stage and the total returning stage meet the deduction strategy.
2. The method of claim 1, further comprising:
and when the advance return request of the user is received, the deduction information corresponding to the user is changed into an invalid state.
3. The method of any of claims 1-2, further comprising:
acquiring product information of a product;
obtaining the cost of the product according to the product information;
determining a target stage of the product according to the product cost;
and generating the deduction strategy according to the target stage and the stage limiting condition of the product.
4. The method of any of claims 1-3, wherein calculating the cost of the product from the product information comprises:
and calculating the cost of the multiple stages of the multiple products according to the product amount and the number of the product stages in the product information.
5. The method of any of claims 1-4, wherein determining the target stage of the product based on the product cost comprises:
determining the gains of a plurality of stages of the product according to the product stage number and the product information fee information in the product information;
and comparing the multiple stage gains with the multiple stage costs, and taking the current stage as the target stage when the stage gains are larger than the stage costs.
6. The method of any one of claims 1-5, when the current stage and total return stage satisfy the deduction policy, comprising:
meet the stage limiting conditions in the deduction strategy in the total return stage, and
and when the current stage is greater than or equal to the target stage in the deduction strategy, determining that the current stage and the total returning stage meet the deduction strategy.
7. The method of any of claims 1-6, wherein the deductive information includes information on fee discounts;
responding the financial resource deduction request according to the deduction information, and the method comprises the following steps:
determining a resource return amount according to the user identification and the product identification of the product to be withheld;
determining a deduction amount according to the information fee discount information and the resource return amount;
and generating response information according to the deduction amount.
8. A financial resource withholding device, comprising:
the system comprises a request module, a deduction module and a deduction module, wherein the request module is used for receiving a financial resource deduction request from a user, and the financial resource deduction request comprises a user identifier, a product identifier of a product to be deducted and deduction information;
the stage module is used for acquiring the current stage and the total return stage of the product to be withheld according to the user identification and the product identification;
the strategy module is used for acquiring the deduction strategy of the product to be deducted according to the product identification of the product to be deducted;
and the response module is used for responding the financial resource deduction request according to the deduction information when the deduction strategy is met in the current stage and the total returning stage.
9. An electronic device, comprising:
one or more processors;
storage means for storing one or more programs;
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.
10. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-7.
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