CN114757755A - Resource transfer method, device, computer equipment and storage medium - Google Patents
Resource transfer method, device, computer equipment and storage medium Download PDFInfo
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Abstract
The invention discloses a resource transfer method, which is applied to the technical field of data processing and is used for solving the technical problem that unified transfer standards and management are lacked in the process of transferring an appointed period in the prior art. The method provided by the invention comprises the steps of obtaining initial deposit receipt information issued by a first client; calculating transfer prices according to the deposit funds and the appointment period, and issuing transfer deposit slips according to the transfer prices so that the second customer can purchase the transfer deposit slips; and if a reverse buyback application initiated by the second client is received in the appointed time limit, calculating a corresponding buyback price according to the transfer price and the deposit receipt holding time of the second client, and sending a first buyback instruction to the first client so as to buyback the transfer deposit receipt according to the buyback price. The method can intelligently combine to push the deposit list to the first customer, regularly buyback, automatically transfer the deposit, automatically generate the reverse buyback plan and the like according to the strategy, and improves the use experience of the user. Meanwhile, the invention also relates to a block chain technology.
Description
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a resource transfer method and apparatus, a computer device, and a storage medium.
Background
At present, when a deposit user transacts deposit slips in a bank, particularly a large-volume deposit slip, the interest rate is higher than that of a common deposit slip, so that the deposit slip has certain competitive advantages in the deposit market. At present, banks capable of conducting large-volume deposit slips support full-volume transfer in self-operation channels and non-self-operation channels of the banks, and even partial banks support partial transfer.
Because the platform resources built by the existing bank are limited and generally only aim at the client group of the bank, the audience range is small, the profits of transferors are discounted, and the liquidity of the transferees is poor. The same problem also exists with individual banks that launch a contract transfer mode, i.e., a contract term transfer slip.
However, in the prior art, in the process of transferring the appointed period, due to the lack of uniform transfer standard and management, the user cannot effectively buy the deposit list issued by the user, and thus the use experience of the user is reduced.
Disclosure of Invention
The embodiment of the invention provides a resource transfer method, a resource transfer device, computer equipment and a storage medium, which are used for solving the technical problem that a user cannot effectively buy a released deposit receipt due to lack of uniform transfer standard and management in the process of transferring the appointed period in the prior art.
A first aspect of an embodiment of the present invention provides a resource transfer method, where the method includes:
acquiring initial deposit receipt information issued by a first client, wherein the initial deposit receipt information comprises a deposit receipt principal and an appointed time limit;
calculating a corresponding transfer price according to the deposit fund and the appointment period, and issuing a corresponding transfer deposit according to the transfer price so that a second customer can purchase the transfer deposit according to the transfer price;
and if a reverse buyback application initiated by the second client is received in the appointed time limit, calculating a corresponding buyback price according to the assignment price and the deposit receipt holding time of the second client, and sending a first buyback instruction to the first client so that the first client buybacks the assignment deposit receipt according to the buyback price.
In one embodiment, the method further comprises:
and if the reverse buyback application initiated by the second client is not received within the appointed time limit, sending a second buyback instruction to the first client after the transfer deposit list is due, so that the first client buys the transfer deposit list to the second client according to the expired buyback price and displays that the transaction is successful.
In one embodiment, the step of calculating a corresponding transfer price according to the deposit fund and the appointment duration and issuing a corresponding transfer deposit according to the transfer price so that a second customer purchases the transfer deposit according to the transfer price comprises:
acquiring deposit receipt rate and transfer rate, and calculating corresponding transfer price according to the deposit receipt rate, the transfer rate, the deposit receipt and the appointed time limit;
generating a corresponding transfer deposit bill according to the transfer price;
and after the second customer purchases the transfer deposit slip, displaying the reverse buyback date and the expected revenue per period to the second customer.
In one embodiment, if a reverse buyback application initiated by the second customer is received within the agreed time limit, the step of calculating a corresponding buyback price according to the transfer price and the deposit receipt holding time of the second customer, and sending a first buyback instruction to the first customer so that the first customer buybacks the transfer deposit receipt according to the buyback price includes:
when a reverse buyback application initiated by the second customer within the appointed time limit is received, acquiring an assignment interest rate and deposit receipt holding time of the second customer, and calculating a corresponding buyback price according to the assignment interest rate, the deposit receipt holding time and the assignment price;
And sending the first buyback instruction to the first client so that the first client buybacks the transfer deposit slip according to the buyback price.
In one embodiment, the method further comprises:
and if the reverse buyback application initiated by the second customer is not received within the appointed time limit and after the transfer deposit receipt is expired, sending a payment instruction to a bank so that the bank directly pays income to the second customer according to the nominal interest rate of the transfer deposit receipt and displays that the transaction is successful.
In one embodiment, the result of the resource transfer method may be uploaded to a blockchain, so that the blockchain encrypts and stores the result of the resource transfer method.
A second aspect of the embodiments of the present invention provides a resource transfer apparatus, where the apparatus includes:
the system comprises an acquisition module, a storage module and a management module, wherein the acquisition module is used for acquiring initial deposit information issued by a first client, and the initial deposit information comprises a deposit principal and an appointed time limit;
the calculation module is used for calculating corresponding transfer prices according to the deposit funds and the appointed time limit, and issuing corresponding transfer deposit slips according to the transfer prices so that a second customer can purchase the transfer deposit slips according to the transfer prices;
And the first buyback module is used for calculating a corresponding buyback price according to the transfer price and the deposit receipt holding time of the second client and sending a first buyback instruction to the first client so that the first client buybacks the transfer deposit receipt according to the buyback price if a buyback application initiated by the second client is received within the appointed period.
Among the above-mentioned resource transfer device, the device further includes a second buyback module, which is specifically configured to:
and if the reverse buyback application initiated by the second client is not received within the appointed time limit, sending a second buyback instruction to the first client after the transfer deposit list expires, so that the first client buybacks the transfer deposit list to the second client according to the expired buyback price and displays that the transaction is successful.
In the above resource transfer apparatus, the computing module is specifically configured to:
acquiring deposit receipt rate and transfer rate, and calculating corresponding transfer price according to the deposit receipt rate, the transfer rate, the deposit receipt and the appointed time limit;
generating a corresponding transfer deposit bill according to the transfer price;
And after the second customer purchases the transfer deposit, displaying a reverse buyback date and expected revenue per period to the second customer.
In the above resource transfer device, the first purchase back module is specifically configured to:
when a reverse buyback application initiated by the second customer within the appointed time limit is received, acquiring an assignment interest rate and deposit receipt holding time of the second customer, and calculating a corresponding buyback price according to the assignment interest rate, the deposit receipt holding time and the assignment price;
and sending the first buyback instruction to the first client so that the first client buybacks the transfer deposit slip according to the buyback price.
In the above resource transfer device, the device further includes a payment module, where the payment module is specifically configured to:
and if the reverse buyback application initiated by the second customer is not received within the appointed term and after the transfer deposit receipt is expired, sending a payment instruction to a bank so that the bank directly pays income to the second customer according to the nominal interest rate of the transfer deposit receipt and displays that the transaction is successful.
A third aspect of the embodiments of the present invention provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the steps of the resource transfer method as described above when executing the computer program.
A fourth aspect of the embodiments of the present invention provides a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the computer program implements the steps of the resource transfer method as described above.
The resource transfer method, the resource transfer device, the computer equipment and the storage medium are characterized in that initial deposit receipt information issued by a first client is obtained firstly, the initial deposit receipt information comprises a deposit receipt fund and an appointed time limit, further, a corresponding transfer deposit receipt is generated according to the deposit receipt fund and the appointed time limit, the transfer deposit receipt comprises a transfer price, so that a second client purchases the transfer deposit receipt according to the transfer price, and finally, if a reverse buyback application initiated by the second client is received in the appointed time limit, the transfer deposit receipt is purchased (buyback) at a buyback price through the first client. Through the mode, deposit receipt, timed buyback, automatic transfer, automatic reverse buyback plan generation and the like can be intelligently combined according to strategies to the first customer, and meanwhile, transaction and cash flow management tools such as functions of account management, purchase application, form hanging, redemption, buyback, cash flow analysis, profit analysis and the like are provided for the first customer, so that the control capacity of transaction risks is enhanced while convenient operation experience is provided.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the description of the embodiments of the present invention will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to these drawings without inventive labor.
FIG. 1 is a diagram of an application environment of a resource transfer method according to an embodiment of the present invention;
FIG. 2 is a flowchart of a resource transfer method according to an embodiment of the present invention;
FIG. 3 is a flowchart of a resource transfer method according to an embodiment of the present invention;
FIG. 4 is a schematic structural diagram of a resource transfer apparatus according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of a computer device according to an embodiment of the invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The resource transfer method provided by the present application can be applied to an application environment as shown in fig. 1, wherein the computer device can communicate with a server through a network. The computer device includes, but is not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices. The server may be implemented as a stand-alone server or as a server cluster consisting of a plurality of servers.
In an embodiment, as shown in fig. 2, a resource transfer method is provided, which is described by taking the computer device in fig. 1 as an example, and includes the following steps S101 to S103.
In this embodiment, it should be noted that the deposit receipt is a credit certificate for bank to transact deposit business, and when in use, the deposit receipt includes all electronic certificates, paper certificates and other existing forms.
However, most of the prior art sets up a deposit slip second transfer platform by the bank which issues the deposit slip, but because the bank has limited resources, the second transfer platform only aims at the client group of the bank, so that the audience range is small, and then the disadvantages of discounting profits of transferors, poor liquidity of transferees and the like occur.
In addition, in the prior art, a single bank also launches an agreement transfer mode, namely transfer of an agreement term, but if sufficient funds are not available, transfer needs to be realized by third party funding, and the funds occupy is large and the size is limited. Banks and most of third parties only provide technical support for flow, and are difficult to apply new technology and data models in the transaction process to conduct behavior prediction analysis. In view of this, the embodiments of the present application provide a resource transfer method, which is used to make up for the deficiencies in the prior art.
Specifically, in one embodiment of the resource transfer method provided by the present application, the method at least includes steps S101 to S103.
S101: the method comprises the steps of obtaining initial deposit information issued by a first client, wherein the initial deposit information comprises deposit principal and appointed time limit.
Specifically, in this embodiment, it should be noted that, firstly, the resource transfer method provided in this application is implemented based on a first transfer platform and a second transfer platform. The first transfer platform can provide a unified SaaS service system, specifically, each first customer, namely a transferor, can perform operations such as account opening, deposit purchase, transfer, pricing and cash flow management in the system, and the system can also provide forecast and analysis of asset liability to the first customer through data statistics.
The second transfer platform provides an analysis model through indexes such as purchase, hang-up, buyback, account cash (income and expenditure) flow and the like of the first customer on the platform, the fund liquidity risk of the first customer can be comprehensively analyzed, and once the predicted risk value reaches a certain early warning level, the system automatically triggers risk early warning and performs corresponding control, such as account fund use limitation, account transaction scale limitation, corresponding operation authority limitation and the like, so that the business risk is controlled.
In this embodiment, the first customer, that is, the transferor, may directly purchase the deposit receipt from the bank through the first transferee platform, and in other cases, the first customer may also be the bank directly and issue the deposit receipt directly on the second transferee platform. Specifically, the deposit receipt is a credit voucher for the bank to transact deposit business, and comprises all forms of electronic vouchers, paper vouchers, electronic type vouchers under the block chain technology and the like.
Therefore, in this embodiment, regardless of whether the first customer is a transferor or a bank, when the first transfer platform or the second transfer platform is operated, the initial deposit receipt information issued by the first customer can be acquired in this embodiment, and the initial deposit receipt information includes the deposit receipt purchased by the first customer and the set appointment duration.
S102: and calculating a corresponding transfer price according to the deposit fund and the appointment period, and issuing the corresponding transfer deposit according to the transfer price so that a second customer purchases the transfer deposit according to the transfer price.
It should be noted that, in this step, an intelligent transfer program is preset in the second transfer platform, and when the second transfer platform receives the initial deposit receipt information issued by the first client, a corresponding transfer deposit receipt is automatically generated according to a calculation program therein, the obtained deposit receipt and the acquired appointment duration, specifically, the transfer deposit receipt includes a calculated transfer price, and in implementation, the second client, that is, the assignee, may determine whether to purchase the transfer deposit receipt according to the transfer price. And if the second customer needs to purchase the transfer deposit, the second customer can purchase the transfer deposit in real time through the transfer price on the second transfer platform.
It should be noted that, the initial deposit receipt information acquired in step S10 further includes a commitment deadline set by the first client, so the correspondingly generated transfer deposit receipt also includes the commitment deadline, specifically, in this embodiment, the commitment deadline is set with a fixed deadline according to face values of different deposit receipts, and the commitment deadline is executed in two ways, specifically:
(1) After the appointment expires, the automatic transfer is successful, and the deposit receipt is successfully transacted in a mode of being given by a third person or being taken by a bank in advance;
(2) the deposit receipt bearer independently initiates a reverse buyback application within an appointed time limit, the written commitment transferee of the transferor unconditionally buys the deposit receipt under the condition that the reverse buyback is successfully initiated, if the reverse buyback cannot be realized in case of fund problems, the insurance and bank advance payment can be started, and the income of the transferee is paid by the means of the insurance, the appointed time limit is a rolling time limit until the deposit receipt is expired.
S103: and if a reverse buyback application initiated by the second client is received within the appointed period, calculating a corresponding buyback price according to the transfer price and the deposit receipt holding time of the second client, and sending a first buyback instruction to the first client so that the first client buybacks the transfer deposit receipt according to the buyback price.
Finally, it should be noted that when the deposit receipt transfer between the first customer and the second customer is completed through the above step S102, it indicates that the deposit receipt is registered under the name of the second customer.
Of course, in this embodiment, when the second customer does not want to hold the transfer deposit slip any more within the appointed time limit, the second customer may autonomously initiate a reverse-buying application within the appointed time limit, specifically, the transferor (first customer) paper promise transferee (second customer) may unconditionally buy the deposit slip under the condition that the reverse-buying is successfully initiated, and if the reverse-buying cannot be completed under the condition of fund problem, the money transfer of the transferee (second customer) may be paid in a manner of guarantee, bank advance drawing, and the like, so that the first customer can buy the transfer deposit slip issued by the transferor again at the reverse-buying price.
The second client can clearly know the self purchase price and the due income through the elements such as the appointed time limit, the transfer interest rate, the principal deposit and the like, the appointed time limit can define the flexible configuration of long, medium and short periods according to the product, and the fund liquidity of the client is increased. The platform can also be used for pushing deposit slips, timing buyback, automatic transfer, automatic generation of a buyback plan and the like to the first customer according to the strategy intelligent combination, and simultaneously providing transaction and cash flow management tools for the first customer, such as functions of account management, purchase applying, form hanging, redemption, buyback, cash flow analysis, profit analysis and the like, so that the control capability of transaction risks is enhanced while convenient operation experience is provided.
In another embodiment, the deposit receipt data updating method includes at least step S104.
S104: if a reverse buyback application initiated by the second client is not received within the appointed time limit, sending a second buyback instruction to the first client after the transfer deposit list expires, so that the first client buybacks the transfer deposit list to the second client according to the expired buyback price and displays that the transaction is successful; or sending a payment instruction to a bank after the transfer deposit receipt is expired so that the bank directly pays income to the second customer according to the nominal interest rate of the transfer deposit receipt and displays that the transaction is successful.
In this embodiment, it should be noted that, when the second transfer platform does not receive the reverse buyback application initiated by the second customer within the appointed time limit set by the first customer, that is, it indicates that the first customer does not have a behavior of buyback issued by the first customer, the second transfer platform continuously calculates the holding time, that is, automatically rolls over to enter a next fixed period, transfers the deposit slip to the first customer according to the transfer price already calculated in the second transfer platform after the deposit slip is full, and displays that the transfer is successful on the system, the deposit slip is recorded under the name of the first customer, and the bank cashes the income of the first customer due to the deposit slip.
In addition, in this step, if the first customer does not receive the reverse purchase request initiated by the second customer within the appointed time limit, the bank pays the corresponding amount to the second customer according to the denomination of the transfer deposit receipt on the day when the deposit receipt expires.
In another embodiment, the resource transfer method at least includes steps S201 to S203.
The resource transfer method provided by this embodiment is also implemented based on the first transfer platform and the second transfer platform. The first transfer platform can provide a unified SaaS service system, specifically, each first customer, namely a transferor, can perform operations such as account opening, deposit purchase, transfer, pricing and cash flow management in the system, and the system can also provide forecast and analysis of asset liability to the first customer through data statistics.
The second transfer platform provides an analysis model through indexes such as purchase, hang-up, buyback, account cash (income and expenditure) flow and the like of the first customer on the platform, the fund liquidity risk of the first customer can be comprehensively analyzed, and once the predicted risk value reaches a certain early warning level, the system automatically triggers risk early warning and performs corresponding control, such as account fund use limitation, account transaction scale limitation, corresponding operation authority limitation and the like, so that the business risk is controlled.
S201: the method comprises the steps of obtaining initial deposit information issued by a first client, wherein the initial deposit information comprises deposit principal and appointed time limit.
In this embodiment, it should be noted that the implementation flow of this step is the same as the implementation flow of step S101, the first customer, that is, the transferor, may directly purchase deposit slips from the bank through the first transferee platform and set an appointment deadline, the second transferee platform installed in the background may automatically push the deposit slips required by the first customer to the second customer according to a preset operation policy combination, for example, a trigger combination such as a remaining deadline, a deposit fund, an order price interval, and the like, and finally display the total amount of the selected deposit slips purchased to the second customer in real time through the front end.
In addition, in this embodiment, in other cases, the first customer may also be a bank directly, and further, the bank may issue the deposit slip issued by the first customer directly on the second transfer platform. Specifically, the deposit receipt is a credit voucher for the bank to transact deposit business, and comprises all forms of electronic vouchers, paper vouchers, electronic type vouchers under the block chain technology and the like.
It should be noted that, in this embodiment, regardless of whether the first customer is a transferor or a bank itself, when the first customer purchases or transfers deposit slips on the first transfer platform or the second transfer platform, the second transfer platform provided in this embodiment may acquire, by default, initial deposit slip information issued by the first customer in real time, where the initial deposit slip information includes a deposit slip principal purchased by the first customer and a set appointment deadline.
S202: acquiring deposit receipt rate and transfer rate, and calculating corresponding transfer price according to the deposit receipt rate, the transfer rate, the deposit receipt fund and the appointment period; generating a corresponding transfer deposit receipt according to the transfer price; and after the second customer purchases the transfer deposit slip, displaying the reverse buyback date and the expected revenue per period to the second customer.
Further, in this step, it should be noted that, when the second assignment platform acquires the initial deposit receipt information issued by the first customer through the step S201, the second assignment platform may automatically invoke a corresponding calculation program in its interior, and the calculation program may automatically perform a calculation according to a calculation formula preset in its interior, that is: the transfer price (1+ deposit list interest rate time limit)/(1 + transfer interest rate remaining time limit) corresponding to the deposit list issued by the current first customer is automatically calculated and displayed on the display terminal of the first transfer platform in real time, so that the second customer can clearly know the price of the deposit list issued in the current first transfer platform and then decide whether to buy according to the self requirement.
S203: when a reverse buyback application initiated by the second client in the appointed period is received, acquiring a transfer interest rate and deposit receipt holding time of the second client, and calculating a corresponding buyback price according to the transfer interest rate, the deposit receipt holding time and the transfer price; and sending the first buyback instruction to the first client so that the first client buybacks the transfer deposit slip according to the buyback price.
Finally, in this step, it should be noted that, after the transfer deposit transaction between the first customer and the second customer is successful, the second transfer platform can display the repurchase date of the first customer and the benefit expected to be brought to the second customer in each future period, that is, the repurchase price, to the second customer in real time on the display interface of the second transfer platform.
Meanwhile, the second customer can initiate a reverse-buying application to the first customer in each appointed period, if the first customer does not initiate a reverse-buying request in the appointed period, the transfer system can automatically control all the deposit orders under the order to automatically resume to the next period, the second customer can initiate the reverse-buying request again in the set time of the next period, and the like until the deposit orders expire, and the bank redeems the interest sum of the deposit order holder according to the deposit order denomination.
If the second client initiates a reverse purchase request to the first client within the rolling storage period of the set appointed deadline, the second assignment platform immediately receives the reverse purchase application instruction, and correspondingly, the second assignment platform automatically calls a corresponding calculation program in the second assignment platform, and the calculation program automatically calls a calculation formula preset in the second assignment platform according to the calculation formula, that is, the calculation formula is: and calculating a buyback price corresponding to the transfer deposit slip (transfer price plus retail customer deposit slip holding time), and finally enabling the first customer to buyback the deposit slip at the buyback price to complete the buyback operation of the deposit slip and pay the income due to the first customer to the second customer.
In conclusion, the resource transfer method provided by the application can push deposit receipt, timed buyback, automatic transfer, automatic generation of a reverse buyback plan and the like to the second customer according to the strategy intelligent combination, and provides transaction and cash flow management tools, such as functions of account management, purchase applying, order hanging, redemption, buyback, cash flow analysis, profit analysis and the like, for the first customer, so that the control capability of transaction risk is enhanced while convenient operation experience is provided. And the system provides asset liability prediction and analysis to transferors through data statistics. The platform provides an analysis model through indexes such as purchase, list hanging, repurchase, account cash (income and expenditure) flow and the like on the platform of the transferor, the fund liquidity risk of the transferor can be comprehensively analyzed, once the predicted risk value reaches a certain early warning level, the system automatically triggers risk early warning and performs corresponding control, such as limiting account fund use, limiting transaction scale, limiting corresponding operation authority and the like, so that business risk is controlled.
In an alternative embodiment, the result of the resource transfer method may also be uploaded into the block chain.
Specifically, the corresponding digest information is obtained based on the result of the resource transfer method, and specifically, the digest information is obtained by hashing the result of the resource transfer method, for example, using the sha256s algorithm. Uploading summary information to the blockchain can ensure the safety and the fair transparency of the user. The user may download the summary information from the blockchain to verify that the results of the resource transfer method have been tampered with. The blockchain referred to in this example is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm, and the like. A block chain (Blockchain), which is essentially a decentralized database, is a series of data blocks associated by using a cryptographic method, and each data block contains information of a batch of network transactions, so as to verify the validity (anti-counterfeiting) of the information and generate a next block. The blockchain may include a blockchain underlying platform, a platform product service layer, an application service layer, and the like.
In an embodiment, a resource transfer apparatus 100 is provided, where the resource transfer apparatus 100 is in one-to-one correspondence with the multi-tenant data authority control method in the foregoing embodiment, as shown in fig. 4, the resource transfer apparatus 100 includes: the system comprises an acquisition module 11, a calculation module 12, a first buyback module 13, a second buyback module 14 and a payment module 15. The detailed description of each functional module is as follows:
an obtaining module 11, configured to obtain initial deposit receipt information issued by a first client, where the initial deposit receipt information includes a deposit receipt and an agreed time limit;
the calculation module 12 is configured to calculate a corresponding transfer price according to the deposit fund and the appointment duration, and issue a corresponding transfer deposit according to the transfer price, so that a second customer purchases the transfer deposit according to the transfer price;
and a first repurchase module 13, configured to calculate a corresponding repurchase price according to the transfer price and the deposit receipt holding time of the second customer and send a first repurchase instruction to the first customer, so that the first customer repurchies the transfer deposit receipt according to the repurchase price, if a reverse repurchase application initiated by the second customer is received within the agreed period.
In the above resource transfer device, the device further includes a second buyback module 14, where the second buyback module 14 is specifically configured to:
and if the reverse buyback application initiated by the second client is not received within the appointed time limit, sending a second buyback instruction to the first client after the transfer deposit list expires, so that the first client buybacks the transfer deposit list to the second client according to the expired buyback price and displays that the transaction is successful.
In the above resource transfer apparatus, the computing module 12 is specifically configured to:
acquiring deposit receipt rate and transfer rate, and calculating corresponding transfer price according to the deposit receipt rate, the transfer rate, the deposit receipt and the appointed time limit;
generating a corresponding transfer deposit bill according to the transfer price;
and after the second customer purchases the transfer deposit, displaying a reverse buyback date and expected revenue per period to the second customer.
In the above resource transfer device, the first shopping-back module 13 is specifically configured to:
when a reverse buyback application initiated by the second client in the appointed period is received, acquiring a transfer interest rate and deposit receipt holding time of the second client, and calculating a corresponding buyback price according to the transfer interest rate, the deposit receipt holding time and the transfer price;
And sending the first buyback instruction to the first client so that the first client buybacks the transfer deposit slip according to the buyback price.
In the above resource transfer apparatus, the apparatus further includes a payment module 15, where the payment module 15 is specifically configured to:
and if the reverse buyback application initiated by the second customer is not received within the appointed time limit and after the transfer deposit receipt is expired, sending a payment instruction to a bank so that the bank directly pays income to the second customer according to the nominal interest rate of the transfer deposit receipt and displays that the transaction is successful.
Another embodiment of the present invention provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the resource transfer method as described above when executing the computer program.
Another embodiment of the invention provides a computer-readable storage medium, which stores a computer program that, when executed by a processor, implements the steps of the resource transfer method as described above.
In summary, the resource transfer method, the resource transfer device, the resource transfer computer, and the readable storage medium provided by the present application can intelligently combine according to the policy to push deposit receipt, periodically buyback, automatically transfer deposit, automatically generate a reverse buyback plan, and the like to the second customer, and provide the first customer with transaction and cash flow management tools, such as account management, subscription, hang-up, redemption, buyback, cash flow analysis, profit analysis, and other functions, thereby providing a convenient operation experience and enhancing the control capability of transaction risk. And the system provides asset liability prediction and analysis to transferors through data statistics.
The meaning of "first" and "second" in the above modules/units is only to distinguish different modules/units, and is not used to define which module/unit has higher priority or other defining meanings. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or modules is not necessarily limited to those steps or modules explicitly listed, but may include other steps or modules not explicitly listed or inherent to such process, method, article, or apparatus, and such that a division of modules presented in this application is merely a logical division and may be implemented in a practical application in a further manner.
For specific limitations of the living body resource transfer device, reference may be made to the above limitations of the resource transfer method, which are not described in detail herein. All or part of each module in the device for detecting the living human face image can be realized by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.
In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be as shown in fig. 5. The computer device includes a processor, a memory, a network interface, a display screen, and an input device connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The network interface of the computer device is used for communicating with an external server through a network connection. The computer program is executed by a processor to implement a resource transfer method.
In one embodiment, a computer device is provided, which includes a memory, a processor and a computer program stored on the memory and executable on the processor, and when the processor executes the computer program, the steps of the resource transfer method in the above embodiments are implemented, for example, steps 101 to 103 shown in fig. 2 and other extensions of the method and related steps. Alternatively, the processor, when executing the computer program, realizes the functions of the respective modules/units of the detection apparatus of a living body face image in the above-described embodiment, for example, the functions of the modules 11 to 15 shown in fig. 4. To avoid repetition, further description is omitted here.
The Processor may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, discrete hardware component, etc. The general purpose processor may be a microprocessor or the processor may be any conventional processor or the like, the processor being the control center of the computer apparatus, various interfaces and lines connecting the various parts of the overall computer apparatus.
The memory may be used to store the computer programs and/or modules, and the processor may implement various functions of the computer apparatus by executing or executing the computer programs and/or modules stored in the memory and calling data stored in the memory. The memory may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data (such as audio data, video data, etc.) created according to the use of the cellular phone, etc.
The memory may be integrated in the processor or may be provided separately from the processor.
In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored, which when executed by a processor implements the steps of the resource transfer method in the above embodiments, such as the steps 101 to 103 shown in fig. 2 and extensions of other extensions and related steps of the method. Alternatively, the computer program realizes the functions of the respective modules/units of the detection apparatus of a face image of a living body in the above-described embodiment, for example, the functions of the modules 11 to 15 shown in fig. 4, when executed by the processor. To avoid repetition, further description is omitted here.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above may be implemented by hardware instructions of a computer program, which may be stored in a non-volatile computer-readable storage medium, and when executed, may include the processes of the embodiments of the methods described above. Any reference to memory, storage, database or other medium used in the embodiments provided herein can include non-volatile and/or volatile memory. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), synchronous Link (Synchlink) DRAM (SLDRAM), Rambus (Rambus) direct RAM (RDRAM), direct bused dynamic RAM (DRDRAM), and bused dynamic RAM (RDRAM).
It should be clear to those skilled in the art that, for convenience and simplicity of description, the foregoing division of the functional units and modules is only used for illustration, and in practical applications, the above function distribution may be performed by different functional units and modules as needed, that is, the internal structure of the apparatus may be divided into different functional units or modules to perform all or part of the above described functions.
The above-mentioned embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; although the present invention has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein.
Claims (10)
1. A method for resource transfer, the method comprising:
acquiring initial deposit receipt information issued by a first client, wherein the initial deposit receipt information comprises a deposit receipt and an appointed time limit;
Calculating a corresponding transfer price according to the deposit fund and the appointment period, and issuing a corresponding transfer deposit according to the transfer price so that a second customer can purchase the transfer deposit according to the transfer price;
and if a reverse buyback application initiated by the second client is received within the appointed period, calculating a corresponding buyback price according to the transfer price and the deposit receipt holding time of the second client, and sending a first buyback instruction to the first client so that the first client buybacks the transfer deposit receipt according to the buyback price.
2. The method of claim 1, wherein the method further comprises:
and if the reverse buyback application initiated by the second client is not received within the appointed time limit, sending a second buyback instruction to the first client after the transfer deposit list expires, so that the first client buybacks the transfer deposit list to the second client according to the expired buyback price and displays that the transaction is successful.
3. The resource transfer method according to claim 1, wherein the step of calculating a corresponding transfer price from the deposit fund and the commitment period, and issuing the corresponding transfer deposit according to the transfer price so that the second customer purchases the transfer deposit according to the transfer price comprises:
Acquiring deposit receipt rate and transfer rate, and calculating corresponding transfer price according to the deposit receipt rate, the transfer rate, the deposit receipt and the appointed time limit;
generating a corresponding transfer deposit bill according to the transfer price;
and after the second customer purchases the transfer deposit, displaying a reverse buyback date and expected revenue per period to the second customer.
4. The resource transfer method according to claim 1, wherein the step of calculating a corresponding buyback price according to the transfer price and the deposit receipt holding time of the second customer and sending a first buyback instruction to the first customer so that the first customer buybacks the transfer deposit receipt at the buyback price, if the application for buyback initiated by the second customer is received within the appointed deadline, comprises:
when a reverse buyback application initiated by the second client in the appointed period is received, acquiring a transfer interest rate and deposit receipt holding time of the second client, and calculating a corresponding buyback price according to the transfer interest rate, the deposit receipt holding time and the transfer price;
and sending the first buyback instruction to the first client so that the first client buybacks the transfer deposit slip according to the buyback price.
5. The method of claim 2, wherein the method further comprises:
and if the reverse buyback application initiated by the second customer is not received within the appointed time limit and after the transfer deposit receipt is expired, sending a payment instruction to a bank so that the bank directly pays income to the second customer according to the nominal interest rate of the transfer deposit receipt and displays that the transaction is successful.
6. An apparatus for resource transfer, the apparatus comprising:
the system comprises an acquisition module, a storage module and a management module, wherein the acquisition module is used for acquiring initial deposit information issued by a first client, and the initial deposit information comprises a deposit principal and an appointed time limit;
the calculation module is used for calculating corresponding transfer prices according to the deposit funds and the appointed time limit, and issuing corresponding transfer deposit slips according to the transfer prices so that a second customer can purchase the transfer deposit slips according to the transfer prices;
and the first buyback module is used for calculating a corresponding buyback price according to the transfer price and the deposit receipt holding time of the second client and sending a first buyback instruction to the first client so that the first client buybacks the transfer deposit receipt according to the buyback price if a buyback application initiated by the second client is received within the appointed period.
7. The resource transfer apparatus according to claim 6, wherein the apparatus further comprises a second buyback module, and the second buyback module is specifically configured to:
and if the reverse buyback application initiated by the second client is not received within the appointed time limit, sending a second buyback instruction to the first client after the transfer deposit list is due, so that the first client buys the transfer deposit list to the second client according to the expired buyback price and displays that the transaction is successful.
8. The resource transfer apparatus of claim 6, wherein the computing module is specifically configured to:
acquiring deposit receipt rate and transfer rate, and calculating corresponding transfer price according to the deposit receipt rate, the transfer rate, the deposit receipt fund and the appointment period;
generating a corresponding transfer deposit receipt according to the transfer price;
and after the second customer purchases the transfer deposit slip, displaying the reverse buyback date and the expected revenue per period to the second customer.
9. A computer arrangement comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that the processor implements the steps of the resource transfer method according to any of claims 1 to 5 when executing the computer program.
10. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the resource transfer method according to any one of claims 1 to 5.
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| CN202210147814.2A CN114757755A (en) | 2022-02-17 | 2022-02-17 | Resource transfer method, device, computer equipment and storage medium |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202210147814.2A CN114757755A (en) | 2022-02-17 | 2022-02-17 | Resource transfer method, device, computer equipment and storage medium |
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| CN107194809A (en) * | 2017-05-12 | 2017-09-22 | 武汉票据交易中心有限公司 | It is a kind of that method and system is just bought back based on the bill completed a business transaction on line |
| CN112037068A (en) * | 2020-09-17 | 2020-12-04 | 广州运通链达金服科技有限公司 | Resource transfer method, system, device, computer equipment and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN101216922A (en) * | 2007-12-28 | 2008-07-09 | 中国工商银行股份有限公司 | A system and method for real time ultra-short term financing |
| CN107085811A (en) * | 2017-05-12 | 2017-08-22 | 武汉票据交易中心有限公司 | It is a kind of that method and system is purchased based on the bill reverse back completed a business transaction on line |
| CN107194809A (en) * | 2017-05-12 | 2017-09-22 | 武汉票据交易中心有限公司 | It is a kind of that method and system is just bought back based on the bill completed a business transaction on line |
| CN112037068A (en) * | 2020-09-17 | 2020-12-04 | 广州运通链达金服科技有限公司 | Resource transfer method, system, device, computer equipment and storage medium |
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