CN116862487A - Transaction asset processing method, apparatus, device, storage medium and program product - Google Patents
Transaction asset processing method, apparatus, device, storage medium and program product Download PDFInfo
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Abstract
The present application relates to a transaction asset processing method, apparatus, device, storage medium and program product. Relates to the technical field of computers, and can be applied to the financial field or other fields. The method comprises the following steps: acquiring a current asset transfer request submitted by a target user aiming at a target exchange; determining a current asset difference between the to-be-transferred asset yield and the target negotiated asset yield under the condition that the to-be-transferred asset yield corresponding to the current asset transfer request is identified and the target negotiated asset yield corresponding to the target transaction is inconsistent; determining a difference threshold corresponding to the current asset transfer request according to a historical asset transfer record between a target user and an asset receiver corresponding to the target transaction; and responding to the current asset transfer request according to the comparison result between the current asset difference and the difference threshold. The asset transfer efficiency can be improved by adopting the method.
Description
Technical Field
The present application relates to the field of computer technology, and in particular, to a transaction asset processing method, apparatus, device, storage medium and program product, which can be applied to the financial field or other fields.
Background
With the development of internet technology, online asset transfer has taken an important role in people's lives, for example, asset transfer business to other areas can be accomplished by way of cross-border asset transfer. However, at present, the on-line asset transfer is usually completed through a third party, and if the third party charges for the transfer, the yield of the assets to be transferred submitted by the user is inconsistent with the target negotiated yield.
Currently, for the above-mentioned process of transferring assets, if the third party recognizes that the output of assets to be transferred corresponding to the current asset transfer is different from the target negotiated asset, the third party directly terminates to complete the asset transfer. This approach can result in hindered asset transfer and inefficient asset transfer, and thus improvements are needed.
Disclosure of Invention
In view of the foregoing, it is desirable to provide a transaction asset processing method, apparatus, device, storage medium, and program product that can improve asset transfer efficiency.
In a first aspect, the present application provides a transaction asset processing method. The method comprises the following steps:
acquiring a current asset transfer request submitted by a target user aiming at a target exchange;
Determining a current asset difference between the to-be-transferred asset yield and the target negotiated asset yield under the condition that the to-be-transferred asset yield corresponding to the current asset transfer request is identified and the target negotiated asset yield corresponding to the target transaction is inconsistent;
determining a difference threshold corresponding to the current asset transfer request according to a historical asset transfer record between a target user and an asset receiver corresponding to the target transaction;
and responding to the current asset transfer request according to the comparison result between the current asset difference and the difference threshold.
In one embodiment, determining the delta threshold corresponding to the current asset transfer request based on the historical asset transfer record between the target user and the asset recipient corresponding to the target transaction includes:
extracting a target asset transfer record corresponding to the history transaction, in which the history transfer asset yield is inconsistent with the history negotiation asset yield, from the history asset transfer record between the target user and the asset receiver corresponding to the target transaction;
and determining a difference threshold corresponding to the current asset transfer request according to the extraction result of the target asset transfer record.
In one embodiment, determining the delta threshold corresponding to the current asset transfer request based on the extraction of the target asset transfer record includes:
If the extraction result of the target asset transfer record is that the target asset transfer record is extracted, determining a difference threshold corresponding to the current asset transfer request according to the to-be-transferred asset yield, the historical transfer asset yield in the historical asset transfer record, and the historical asset difference between the historical transfer asset yield and the historical negotiation asset yield in the target asset transfer record.
In one embodiment, determining a delta threshold corresponding to the current asset transfer request based on the amount of asset to be transferred, the amount of asset transferred in the history asset transfer record, and the amount of asset delta between the history transfer asset amount and the history negotiation asset amount in the target asset transfer record, comprises:
determining an asset ratio between a historical asset delta between the historical transfer asset yield and the historical negotiated asset yield in the target asset transfer record and the historical transfer asset yield in the historical asset transfer record;
and taking the product of the to-be-transferred asset yield and the asset ratio as a delta threshold corresponding to the current asset transfer request.
In one embodiment, determining a delta threshold corresponding to the current asset transfer request based on the amount of asset to be transferred, the amount of asset transferred in the history asset transfer record, and the amount of asset delta between the history transfer asset amount and the history negotiation asset amount in the target asset transfer record, comprises:
Selecting an effective asset transfer record from the target asset transfer records according to the asset return reasons corresponding to the target asset transfer records;
and determining a difference threshold corresponding to the current asset transfer request according to the to-be-transferred asset yield, the historical transfer asset yield in the historical asset transfer record and the historical asset difference between the historical transfer asset yield and the historical negotiation asset yield in the effective asset transfer record.
In one embodiment, obtaining a current asset transfer request submitted by a target user for a target exchange includes:
acquiring a current asset transfer request submitted again for the target transaction by the asset return operation of an asset receiver corresponding to the target transaction by the target user; wherein the asset return operation is an operation resulting from the asset recipient returning a historical asset transfer request submitted by the target user for the target transaction.
In a second aspect, the application also provides a transaction asset processing device. The device comprises:
the request acquisition module is used for acquiring a current asset transfer request submitted by a target user aiming at a target exchange;
the asset difference determining module is used for determining the current asset difference between the to-be-transferred asset yield and the target negotiation asset yield under the condition that the to-be-transferred asset yield corresponding to the current asset transfer request is identified and the target negotiation asset yield corresponding to the target transaction is inconsistent;
The difference threshold determining module is used for determining a difference threshold corresponding to the current asset transfer request according to the historical asset transfer record between the target user and the asset receiver corresponding to the target transaction;
and the request response module is used for responding to the current asset transfer request according to the comparison result between the current asset difference and the difference threshold.
In a third aspect, the present application also provides a computer device. The computer device comprises a memory storing a computer program and a processor which when executing the computer program performs the steps of:
acquiring a current asset transfer request submitted by a target user aiming at a target exchange;
determining a current asset difference between the to-be-transferred asset yield and the target negotiated asset yield under the condition that the to-be-transferred asset yield corresponding to the current asset transfer request is identified and the target negotiated asset yield corresponding to the target transaction is inconsistent;
determining a difference threshold corresponding to the current asset transfer request according to a historical asset transfer record between a target user and an asset receiver corresponding to the target transaction;
and responding to the current asset transfer request according to the comparison result between the current asset difference and the difference threshold.
In a fourth aspect, the present application also provides a computer-readable storage medium. The computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of:
acquiring a current asset transfer request submitted by a target user aiming at a target exchange;
determining a current asset difference between the to-be-transferred asset yield and the target negotiated asset yield under the condition that the to-be-transferred asset yield corresponding to the current asset transfer request is identified and the target negotiated asset yield corresponding to the target transaction is inconsistent;
determining a difference threshold corresponding to the current asset transfer request according to a historical asset transfer record between a target user and an asset receiver corresponding to the target transaction;
and responding to the current asset transfer request according to the comparison result between the current asset difference and the difference threshold.
In a fifth aspect, the present application also provides a computer program product. The computer program product comprising a computer program which, when executed by a processor, performs the steps of:
acquiring a current asset transfer request submitted by a target user aiming at a target exchange;
determining a current asset difference between the to-be-transferred asset yield and the target negotiated asset yield under the condition that the to-be-transferred asset yield corresponding to the current asset transfer request is identified and the target negotiated asset yield corresponding to the target transaction is inconsistent;
Determining a difference threshold corresponding to the current asset transfer request according to a historical asset transfer record between a target user and an asset receiver corresponding to the target transaction;
and responding to the current asset transfer request according to the comparison result between the current asset difference and the difference threshold.
The transaction asset processing method, device, equipment, storage medium and program product can acquire and identify the to-be-transferred asset yield corresponding to the current asset transfer request after acquiring the current asset transfer request submitted by the target user for the target transaction, and judge whether the to-be-transferred asset yield corresponding to the target transaction is consistent or not. Meanwhile, based on a historical asset transfer record between the target user and the asset receiver corresponding to the target transaction, a difference threshold corresponding to the current asset transfer request is determined, the current asset difference and the difference threshold are compared, and according to a comparison result between the current asset difference and the difference threshold, how to respond to the current asset transfer request is determined. That is, the present embodiment may further receive an appropriate amount of the current asset delta in the case where the current asset transfer request is inconsistent with the target negotiated asset yield corresponding to the target transaction, and perform the operation of the current asset transfer when the comparison result between the current asset delta and the delta threshold indicates that the current asset transfer request may proceed. That is, the overall scheme can improve asset transfer efficiency.
Drawings
FIG. 1 is an application environment diagram of a transaction asset processing method according to the present embodiment;
FIG. 2 is a flow chart of a first transaction asset processing method according to the present embodiment;
FIG. 3 is a flowchart illustrating a first method for determining a delta threshold corresponding to a current asset transfer request according to the present embodiment;
FIG. 4 is a flowchart illustrating a second method for determining a delta threshold corresponding to a current asset transfer request according to the present embodiment;
FIG. 5 is a flowchart of a second transaction asset processing method according to the present embodiment;
FIG. 6 is a block diagram showing the construction of a first transaction asset processing device according to the present embodiment;
FIG. 7 is a block diagram showing a construction of a second transaction asset processing device according to the present embodiment;
fig. 8 is a diagram showing an internal structure of a computer device according to the present embodiment.
Detailed Description
The present application will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present application more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application.
The transaction asset processing method provided by the embodiment of the application can be suitable for the situation of transferring the assets of the user, and can be executed by a server of a third party. Alternatively, the method may be applied in an application environment as shown in fig. 1. In one embodiment, a third party computer device is provided, which may be a server, the internal structure of which may be as shown in FIG. 1. The computer device includes a processor, a memory, and a network interface 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 includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is used to store data related to the processing of the transaction asset. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program when executed by a processor implements a transaction asset processing method.
In one embodiment, as shown in fig. 2, a transaction asset processing method is provided, which is illustrated by way of example as the method is applied to the computer in fig. 1, and includes the following steps:
s201, acquiring a current asset transfer request submitted by a target user for a target exchange.
Wherein the target user may be the user who is currently submitting the asset transfer request. It will be appreciated that asset transfer is one party transferring an asset to another party, and thus the current asset transfer request will correspond to two users, one being the target user and one being the asset recipient. The target transaction may be a transaction that the target user has made with the asset recipient for some or some matter. Accordingly, the current asset transfer request may be a request for asset transfer submitted by the target user to the asset recipient for the target transaction.
Specifically, when the target user submits a current asset transfer request for the target transaction on the target user's terminal, the server of the third party receives the current asset transfer request. It will be appreciated that the server may obtain the information carried by the current asset transfer request while obtaining the current asset transfer request, for example, may obtain information about the target user, information about the target transaction, information about the current asset transfer, and so on.
S202, determining the current asset difference between the to-be-transferred asset yield and the target negotiation asset yield under the condition that the to-be-transferred asset yield corresponding to the current asset transfer request is identified and the target negotiation asset yield corresponding to the target transaction is inconsistent.
Where the amount of assets to be transferred may be the amount of assets that the asset recipient may receive for the current asset transfer request. In this embodiment, the determination of the amount of assets to be transferred may have multiple cases, and one case may be that the third party does not charge a transfer fee for the current asset transfer request, and at this time, the amount of assets to be transferred may be all the amounts of assets corresponding to the current asset transfer request. Another case may be that the third party needs to charge a transfer fee for the current asset transfer request, where the amount of funds to be transferred is the amount of funds remaining after the transfer fee to be charged by the third party for the current asset transfer request is removed from all the amounts of funds corresponding to the current asset transfer request. The target negotiated resource amount may be a resource amount predetermined by the target user and the asset receiver for the target transaction. The current asset delta may be a delta between a to-be-transferred asset yield corresponding to the current asset transfer request and a target negotiated asset yield corresponding to the target transaction.
To facilitate understanding of the present solution by those skilled in the art, a relationship between the amount of funds to be transferred and the amount of target negotiated funds is illustrated. For example, the target transaction is a transaction between target user A and asset receiver B, and target user A negotiates with asset receiver B for the target transaction to determine a target negotiated resource yield (e.g., 1000 yuan) before target user A submits a current asset transfer request for the target transaction. If the third party through which the target user a and the asset receiver B trade charges a transfer fee (e.g., 10 yuan), the amount of the to-be-transferred asset and the amount of the target negotiated asset should be the same as 1000 yuan in normal condition, and at this time, when the target user a submits the current asset transfer request, the amount of the to-be-transferred asset and the transfer fee should be attached, that is, 1000 yuan+10 yuan=1010 yuan.
Specifically, in this embodiment, after receiving a current asset transfer request submitted by a target user for a target exchange, the server determines all resource volumes corresponding to the current asset transfer request, and determines a transfer fee to be charged for the current asset transfer request according to all resource volumes corresponding to the current asset transfer request and a transfer fee charging policy that is determined in advance. And determining the to-be-transferred resource yield corresponding to the current asset transfer request according to all the resource yields corresponding to the current asset transfer request and the transfer expense required to be charged for the current asset transfer request. And then, combining the target negotiation resource yield corresponding to the target transaction, judging whether the resource yield to be transferred corresponding to the current asset transfer request is consistent with the target negotiation resource yield, and if not, determining the current asset difference according to the resource yield to be transferred and the target negotiation resource yield.
Illustratively, the amount of funds to be transferred corresponding to the current asset transfer request may be determined by subtracting the transfer fee required for the current asset transfer request from all of the amounts of funds corresponding to the current asset transfer request. Accordingly, the current asset delta may be determined by subtracting the amount of asset to be transferred from the target negotiated amount of asset.
S203, determining a difference threshold corresponding to the current asset transfer request according to the historical asset transfer record between the target user and the asset receiver corresponding to the target transaction.
The historical asset transfer records can be all historical asset transfer records generated in a preset time period between a target user and an asset receiver corresponding to a target transaction. It will be appreciated that there may be none, one, or a plurality of historical asset records of the asset receiver corresponding to the target user and the target transaction within the preset time period. The delta threshold corresponding to the current asset transfer request may be a maximum difference value used to characterize the current asset transfer request to allow for transfer of asset yield to the target negotiated asset yield. In this embodiment, the difference thresholds corresponding to different asset transfer requests may be different.
Alternatively, when the number of the history asset transfer records is one, the delta threshold corresponding to the current asset transfer request may be determined according to the history asset transfer record. When the number of the history asset transfer records is a plurality of, determining a corresponding difference threshold of the current asset transfer I request according to each history transfer record. In addition, when the number of the history asset transfer records is zero, the preset delta threshold may be used as the delta threshold corresponding to the current request to be transferred.
S204, responding to the current asset transfer request according to the comparison result between the current asset differential and the differential threshold.
In this embodiment, the comparison result between the current asset delta and the delta threshold may be divided into two types, one indicating that the current asset transfer request may continue to be executed and one indicating that the current asset transfer request may not continue to be executed.
Specifically, in this embodiment, if the current asset delta is smaller than the delta threshold, the asset transfer is completed in response to the current asset transfer request. If the current asset delta is greater than the delta threshold, determining that the current asset transfer request is not compliant, and not allowing continued execution. Optionally, in the case that it is determined that the current asset transfer request cannot be executed continuously, the server may return an unexecutable reason to the target user, and send a benefit-to-benefit asset prompt to the target user, where the benefit-to-benefit asset prompt is used to remind the target user that the current asset transaction request can be executed continuously if the benefit-to-benefit asset operation is completed within the preset time period. And if the target user does not complete the supplementary asset operation within the preset time period, terminating executing the current asset transfer request.
In the transaction asset processing method, after the current asset transfer request submitted by the target user for the target transaction is acquired, the to-be-transferred asset yield corresponding to the current asset transfer request is acquired and identified, whether the to-be-transferred asset yield corresponding to the target transaction is consistent or not is judged, and under the condition that the to-be-transferred asset yield corresponding to the current asset transfer request is inconsistent with the target to-be-transferred asset yield corresponding to the target transaction, the current asset difference between the to-be-transferred asset yield corresponding to the current asset transfer request and the target to-be-transferred asset yield corresponding to the target transaction is determined instead of directly rejecting the current asset transfer request. Meanwhile, based on a historical asset transfer record between the target user and the asset receiver corresponding to the target transaction, a difference threshold corresponding to the current asset transfer request is determined, the current asset difference and the difference threshold are compared, and according to a comparison result between the current asset difference and the difference threshold, how to respond to the current asset transfer request is determined. That is, the present embodiment may further receive an appropriate amount of the current asset delta in the case where the current asset transfer request is inconsistent with the target negotiated asset yield corresponding to the target transaction, and perform the operation of the current asset transfer when the comparison result between the current asset delta and the delta threshold indicates that the current asset transfer request may proceed. That is, the overall scheme can improve asset transfer efficiency.
It should be noted that, the transaction asset processing method described above may also be applied to a scenario of remittance and remittance in cross-border remittance. Because the cross-border remittance needs to pass through the intermediate bank (third party), a certain commission is usually collected, and in the cross-border remittance process, any party in the remittance parties is hesitant to be a cause, the original remittance is cancelled according to legal degree before the remittance is finished, and at the moment, the commission is deducted from the intermediate bank. Then, if the sender submits a remittance request again for the order, the amount of money at this time will be correspondingly small, so that a current asset difference (commission fee) is generated, and the amount of to-be-transferred asset is different from the target negotiated asset amount, so that at present, a third party (such as an intermediate bank) does not support such a scenario for asset transfer.
Correspondingly, if the transaction asset processing method is applied to a scene of cross-border payment and remittance, the step of obtaining the current asset transfer request submitted by the target user aiming at the target transaction comprises the following steps: acquiring a current asset transfer request submitted again for the target transaction by the asset return operation of an asset receiver corresponding to the target transaction by the target user; wherein the asset return operation is an operation resulting from the asset recipient returning a historical asset transfer request submitted by the target user for the target transaction. There may be many reasons why the asset receiver triggers the asset return operation, for example, the asset receiver hesitates to cooperate with the target user, or the target user hesitates to cooperate with the asset receiver, after negotiating with the asset receiver, to let the asset receiver trigger the asset return operation. It should be noted that, the current asset transfer request is a non-first asset transfer request generated by the target user for the same target transaction, and at this time, the to-be-transferred asset yield corresponding to the current asset transfer request is different from the target negotiated asset yield. The above embodiment provides another scenario to which the transaction asset processing method is applicable, so that the application scenario of the transaction asset processing method provided by the embodiment is richer.
Further, in order to enrich the manner of determining the difference threshold, the accuracy of determining the difference threshold is further improved. In one embodiment, as shown in FIG. 3, determining the delta threshold corresponding to the current asset transfer request from the historical asset transfer record between the target user and the asset recipient corresponding to the target transaction includes:
s301, extracting a target asset transfer record corresponding to the history transaction, wherein the history transfer asset yield is inconsistent with the history negotiation asset yield, from the history asset transfer record between the target user and the asset receiver corresponding to the target transaction.
The target asset transfer record may be an asset transfer record corresponding to a historical transaction in which the historical transfer asset yield is inconsistent with the historical negotiation asset yield in the historical asset transfer record between the target user and the asset receiver corresponding to the target transaction. It will be appreciated that the number of target asset transfer records may be zero or at least one, which is not limited.
In this embodiment, the server may obtain, in the history asset transfer records between the target user and the asset receiver corresponding to the target transaction, the history transfer asset output corresponding to each history asset transfer record and the history negotiation asset output corresponding to the history asset transfer record. And judging whether the historical transfer resource output corresponding to the historical asset transfer record is consistent with the historical negotiation resource output corresponding to the historical asset transfer record or not according to each historical asset transfer record, and if not, determining the historical asset transfer record as a target asset transfer record. And calculating a difference between the historical transfer asset yield corresponding to the historical asset transfer record and the historical negotiation asset yield corresponding to the historical asset transfer record.
S302, determining a difference threshold corresponding to the current asset transfer request according to the extraction result of the target asset transfer record.
The extraction result of the target asset transfer record may be: in the history asset transfer records between the target user and the asset receiver corresponding to the target transaction, no target asset transfer record exists; or at least one target asset transfer record exists.
In this embodiment, after determining that the historical asset transfer record is the target asset transfer record, the server calculates a difference between the historical transfer asset yield corresponding to the historical asset transfer record and the historical negotiation asset yield corresponding to the historical asset transfer record. And then, according to the extraction result of the target asset transfer record, determining a corresponding differential threshold determining strategy for the current asset transfer request.
Optionally, if the extraction result of the target asset transfer record shows that at least one target asset transfer record exists in the historical asset transfer records between the target user and the asset receiver corresponding to the target transaction, the determining policy for the differential threshold corresponding to the current asset transfer request may be to determine the differential threshold corresponding to the current asset transfer request according to the difference between the historical transfer asset output and the historical negotiation asset output corresponding to each target asset transfer record. For example, the average of the differences between the historical transfer asset yields corresponding to each target asset transfer record and the historical negotiated asset yields is used as the delta threshold corresponding to the current asset transfer request.
In a preferred embodiment, if the result of the extraction of the target asset transfer record is that the target asset transfer record is extracted, a delta threshold corresponding to the current asset transfer request is determined based on the to-be-transferred asset yield, the historical transfer asset yield in the historical asset transfer record, and the historical asset delta between the historical transfer asset yield and the historical negotiated asset yield in the target asset transfer record. Wherein the historical asset delta is the difference between the historical transfer asset yield and the historical negotiation asset yield in the target asset transfer record. Optionally, in this embodiment, there may be a plurality of ways to determine the differential threshold corresponding to the current asset transfer request, and one implementation may be to input the differential value between the to-be-transferred asset yield, the historical transfer asset yield in the historical asset transfer record, and the historical asset differential between the historical transfer asset yield and the historical negotiated asset yield in the target asset transfer record into a pre-trained differential threshold determination model, where the differential threshold determination model processes and parses the received data, and outputs the differential threshold corresponding to the current asset transfer request.
Another implementation may be to determine an asset ratio between a historical asset delta between the historical transfer asset yield and the historical negotiated asset yield in the target asset transfer record and the historical transfer asset yield in the historical asset transfer record; and taking the product of the to-be-transferred asset yield and the asset ratio as a delta threshold corresponding to the current asset transfer request. The historical asset difference may be the sum of the differences between the historical transfer asset yield and the historical negotiation asset yield in each target asset transfer record, and it is understood that when the target asset transfer record is one, the difference between the historical transfer asset yield and the historical negotiation asset yield in the target asset transfer record is the historical asset difference. When the target asset transfer record is plural, the sum of the differences between the historical transfer asset yield and the historical negotiation asset yield in each target asset transfer record may be taken as the historical asset delta. The ratio of the historical asset difference to each historical transfer asset yield in the historical asset transfer record is taken as an asset ratio. And taking the product of the asset ratio and the yield of the assets to be transferred as a difference threshold corresponding to the current asset transfer request. Illustratively, if the difference between the historical transfer asset yield in the target asset transfer record and the historical negotiated asset yield is 100, and the historical transfer asset yield in the historical asset transfer record is 1000, the asset ratio is 10/1000=0.1, and at this time, if the to-be-transferred asset yield is 5000, the difference threshold corresponding to the current asset transfer request is 0.1×5000=500.
In the above embodiment, when determining the differential threshold corresponding to the current asset group request, instead of simply determining the differential threshold according to the historical transfer asset output in the historical asset transfer record and the historical asset differential between the historical transfer asset output and the historical negotiation asset output in the target asset transfer record, the differential threshold corresponding to each asset transfer request is different by combining the to-be-transferred asset output corresponding to the current asset transfer request, so that the accuracy of determining the differential threshold is greatly improved, and the determined differential threshold is more credible.
If the extraction result of the target asset transfer record indicates that the target asset transfer record does not exist in the historical asset transfer record between the target user and the asset receiver corresponding to the target transaction, the differential threshold determination policy corresponding to the current asset transfer request may be to determine the differential threshold corresponding to the current asset transfer request according to the predetermined differential threshold determination policy. For example, a delta threshold corresponding to a current asset transfer request may be determined in conjunction with a quantity of assets to be transferred corresponding to the current asset transfer request according to a predetermined delta ratio. For example, the product of the predetermined delta ratio and the amount of resource to be transferred corresponding to the current asset transfer request is taken as the delta threshold corresponding to the current asset transfer request.
In the above embodiment, the target asset transfer record is extracted from the historical asset transfer record between the target user and the asset receiver corresponding to the target transaction, and different strategies for determining the differential threshold corresponding to the current asset transfer request are set according to the extraction result of the target asset transfer record, so that the differential threshold determination mode is more comprehensive, and meanwhile, the accuracy of determining the differential threshold can be improved.
Further, to further improve the accuracy of determining the delta threshold, in one embodiment, as shown in FIG. 4, determining the delta threshold corresponding to the current asset transfer request based on the to-be-transferred asset yield, the historical transfer asset yield in the historical asset transfer record, and the historical asset delta between the historical transfer asset yield and the historical negotiated asset yield in the target asset transfer record, includes:
s401, selecting effective asset transfer records from all target asset transfer records according to the asset return reasons corresponding to all target asset transfer records.
The reason for the return of the asset may be information carried in each target asset transfer record with the asset return feature. The asset return reason, recorded with the target asset transfer record return time, the return party, the transaction information, the asset return factor, etc., can be used to confirm that the target asset transfer record return is due, and thus determine what the transaction party should assume. The effective asset transfer record may be one in which there is a portion of the current asset delta that the target user needs to assume.
Specifically, in this embodiment, the server may obtain the asset return reasons corresponding to each target asset transfer record, screen out the information that the target user needs to bear recorded in the asset return reasons in the target asset transfer records, and use the target asset transfer record as the effective asset transfer record. It will be appreciated that the number of active asset transfer records may be zero or at least one.
S402, determining a difference threshold corresponding to the current asset transfer request according to the to-be-transferred asset yield, the historical transfer asset yield in the historical asset transfer record, and the historical asset difference between the historical transfer asset yield and the historical negotiation asset yield in the effective asset transfer record.
Specifically, in this embodiment, the server may determine, according to the historical transfer asset output in the historical asset transfer record and the historical asset difference between the historical transfer asset output and the historical negotiation asset output in the effective asset transfer record, the proportion that the target user needs to bear in the historical asset difference for the target asset transfer record. For example, the proportion that the target user needs to assume may be determined by dividing the historical asset delta between the historical transfer asset yield in the effective asset transfer record and the historical negotiated asset yield by the historical transfer asset yield in the historical asset transfer record. And then combining the to-be-transferred resource output corresponding to the current asset transfer request to determine the difference threshold corresponding to the current asset transfer request. For example, the product of the amount of resource to be transferred corresponding to the current asset transfer request and the ratio that the target user needs to bear is taken as the delta threshold corresponding to the current asset transfer request.
When the number of the valid asset transfer records is zero, it means that all the historical asset differences corresponding to the target asset transfer record are not needed to be borne by the target user. At this time, the predetermined delta threshold may be set as the delta threshold corresponding to the current asset transfer request.
In the above embodiment, the effective asset transfer record caused by the target user reason is selected from the target asset transfer records, and the part of the historical asset difference caused by the target user reason is removed, so that the difference threshold corresponding to the current asset transfer request is more reasonable.
For ease of understanding to those skilled in the art, the transaction asset processing method described above will be described in detail, and as shown in FIG. 5, the method may include:
s501, acquiring a current asset transfer request submitted by a target user again aiming at a target transaction according to an asset return operation of an asset receiver corresponding to the target transaction.
Wherein the asset return operation is an operation resulting from the asset recipient returning a historical asset transfer request submitted by the target user for the target transaction.
S502, determining the current asset difference between the to-be-transferred asset yield and the target negotiation asset yield under the condition that the to-be-transferred asset yield corresponding to the current asset transfer request is identified and the target negotiation asset yield corresponding to the target transaction is inconsistent.
S503, extracting a target asset transfer record corresponding to the history transaction, wherein the history transfer asset yield is inconsistent with the history negotiation asset yield, from the history asset transfer record between the target user and the asset receiver corresponding to the target transaction.
If the result of the extraction of the target asset transfer records is that the target asset transfer records are extracted, S504, a valid asset transfer record is selected from the target asset transfer records according to the asset return reasons corresponding to the target asset transfer records.
S505, determining an asset ratio between a historical asset delta between the historical transfer asset yield and the historical negotiated asset yield in the effective asset transfer record and the historical transfer asset yield in the historical asset transfer record.
S506, taking the product of the to-be-transferred asset output and the asset ratio as a difference threshold corresponding to the current asset transfer request.
S507, responding to the current asset transfer request according to the comparison result between the current asset differential and the differential threshold.
It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.
Based on the same inventive concept, the embodiment of the application also provides a transaction asset processing device for realizing the transaction asset processing method. The implementation of the solution provided by the device is similar to that described in the above method, so the specific limitations in one or more embodiments of the transaction asset processing device provided below may be referred to above as limitations of the transaction asset processing method, and will not be described in detail herein.
In one embodiment, as shown in FIG. 6, there is provided a transaction asset processing device 1 comprising: a request acquisition module 10, an asset delta determination module 11, a delta threshold determination module 12, and a request response module 13. Wherein:
a request acquisition module 10 for acquiring a current asset transfer request submitted by a target user for a target exchange.
The asset difference determining module 11 is configured to determine, when it is identified that the to-be-transferred asset yield corresponding to the current asset transfer request is inconsistent with the target negotiated asset yield corresponding to the target transaction, a current asset difference between the to-be-transferred asset yield and the target negotiated asset yield.
The delta threshold determining module 12 is configured to determine a delta threshold corresponding to the current asset transfer request according to a historical asset transfer record between the target user and an asset receiver corresponding to the target transaction.
A request response module 13 for responding to the current asset transfer request according to the comparison result between the current asset delta and the delta threshold.
In one embodiment, as shown in fig. 7, the delta threshold determination module 12 includes an extraction unit 120 and a delta threshold determination unit 121. Wherein:
the extracting unit 120 is configured to extract, from the historical asset transfer records between the target user and the asset receiver corresponding to the target transaction, a target asset transfer record corresponding to a historical transaction in which the historical transfer asset yield is inconsistent with the historical negotiation asset yield.
The delta threshold determining unit 121 is configured to determine a delta threshold corresponding to the current asset transfer request according to the extraction result of the target asset transfer record.
In one embodiment, the delta threshold determining unit 121 is specifically configured to: if the extraction result of the target asset transfer record is that the target asset transfer record is extracted, determining a difference threshold corresponding to the current asset transfer request according to the to-be-transferred asset yield, the historical transfer asset yield in the historical asset transfer record, and the historical asset difference between the historical transfer asset yield and the historical negotiation asset yield in the target asset transfer record.
In one embodiment, the delta threshold determination unit 121 is further configured to: determining an asset ratio between a historical asset delta between the historical transfer asset yield and the historical negotiated asset yield in the target asset transfer record and the historical transfer asset yield in the historical asset transfer record; and taking the product of the to-be-transferred asset yield and the asset ratio as a delta threshold corresponding to the current asset transfer request.
In one embodiment, the delta threshold determination unit 121 is further configured to: selecting an effective asset transfer record from the target asset transfer records according to the asset return reasons corresponding to the target asset transfer records; and determining a difference threshold corresponding to the current asset transfer request according to the to-be-transferred asset yield, the historical transfer asset yield in the historical asset transfer record and the historical asset difference between the historical transfer asset yield and the historical negotiation asset yield in the effective asset transfer record.
In one embodiment, the request acquisition module 10 is configured to: acquiring a current asset transfer request submitted again for the target transaction by the asset return operation of an asset receiver corresponding to the target transaction by the target user; wherein the asset return operation is an operation resulting from the asset recipient returning a historical asset transfer request submitted by the target user for the target transaction.
The various modules in the transaction asset processing device described above may be implemented in whole or in part in software, hardware, and combinations thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.
In one embodiment, a computer device is provided, which may be a terminal, and the internal structure thereof may be as shown in fig. 8. The computer device includes a processor, a memory, a communication 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 includes a non-volatile 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 the operating system and computer programs in the non-volatile storage media. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless mode can be realized through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. The computer program when executed by a processor implements a transaction asset processing method. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, can also be keys, a track ball or a touch pad arranged on the shell of the computer equipment, and can also be an external keyboard, a touch pad or a mouse and the like.
It will be appreciated by those skilled in the art that the structure shown in FIG. 8 is merely a block diagram of some of the structures associated with the present inventive arrangements and is not limiting of the computer device to which the present inventive arrangements may be applied, and that a particular computer device may include more or fewer components than shown, or may combine some of the components, or have a different arrangement of components.
In one embodiment, a computer device is provided comprising a memory and a processor, the memory having stored therein a computer program, the processor when executing the computer program performing the steps of:
acquiring a current asset transfer request submitted by a target user aiming at a target exchange;
determining a current asset difference between the to-be-transferred asset yield and the target negotiated asset yield under the condition that the to-be-transferred asset yield corresponding to the current asset transfer request is identified and the target negotiated asset yield corresponding to the target transaction is inconsistent;
determining a difference threshold corresponding to the current asset transfer request according to a historical asset transfer record between a target user and an asset receiver corresponding to the target transaction;
and responding to the current asset transfer request according to the comparison result between the current asset difference and the difference threshold.
In one embodiment, a computer readable storage medium is provided having a computer program stored thereon, which when executed by a processor, performs the steps of:
acquiring a current asset transfer request submitted by a target user aiming at a target exchange;
determining a current asset difference between the to-be-transferred asset yield and the target negotiated asset yield under the condition that the to-be-transferred asset yield corresponding to the current asset transfer request is identified and the target negotiated asset yield corresponding to the target transaction is inconsistent;
determining a difference threshold corresponding to the current asset transfer request according to a historical asset transfer record between a target user and an asset receiver corresponding to the target transaction;
and responding to the current asset transfer request according to the comparison result between the current asset difference and the difference threshold.
In one embodiment, a computer program product is provided comprising a computer program which, when executed by a processor, performs the steps of:
acquiring a current asset transfer request submitted by a target user aiming at a target exchange;
determining a current asset difference between the to-be-transferred asset yield and the target negotiated asset yield under the condition that the to-be-transferred asset yield corresponding to the current asset transfer request is identified and the target negotiated asset yield corresponding to the target transaction is inconsistent;
Determining a difference threshold corresponding to the current asset transfer request according to a historical asset transfer record between a target user and an asset receiver corresponding to the target transaction;
and responding to the current asset transfer request according to the comparison result between the current asset difference and the difference threshold.
The user information (including but not limited to basic information of the target user, target transaction information of the target user, etc.) and the data (including but not limited to data for analysis, stored data, displayed data, etc.) related to the present application are information and data authorized by the user or sufficiently authorized by each party.
Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magnetic random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (Phase Change Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the embodiments provided herein may include at least one of a relational database and a non-relational database. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processor referred to in the embodiments provided in the present application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic unit, a data processing logic unit based on quantum computing, or the like, but is not limited thereto.
The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.
The foregoing examples illustrate only a few embodiments of the application and are described in detail herein without thereby limiting the scope of the application. It should be noted that it will be apparent to those skilled in the art that several variations and modifications can be made without departing from the spirit of the application, which are all within the scope of the application. Accordingly, the scope of the application should be assessed as that of the appended claims.
Claims (10)
1. A transaction asset processing method, the method comprising:
acquiring a current asset transfer request submitted by a target user aiming at a target exchange;
determining a current asset delta between the to-be-transferred asset yield and the target negotiated asset yield under the condition that the to-be-transferred asset yield corresponding to the current asset transfer request is identified and the target negotiated asset yield corresponding to the target transaction is inconsistent;
Determining a difference threshold corresponding to the current asset transfer request according to a historical asset transfer record between the target user and an asset receiver corresponding to the target transaction;
and responding to the current asset transfer request according to a comparison result between the current asset delta and the delta threshold.
2. The method of claim 1, wherein the determining the delta threshold corresponding to the current asset transfer request from a historical asset transfer record between the target user and an asset recipient corresponding to the target transaction comprises:
extracting a target asset transfer record corresponding to a history transaction, in which the history transfer resource yield is inconsistent with the history negotiation resource yield, from the history asset transfer record between the target user and an asset receiver corresponding to the target transaction;
and determining a difference threshold corresponding to the current asset transfer request according to the extraction result of the target asset transfer record.
3. The method of claim 2, wherein determining the delta threshold corresponding to the current asset transfer request based on the extraction of the target asset transfer record comprises:
And if the extraction result of the target asset transfer record is that the target asset transfer record is extracted, determining a difference threshold corresponding to the current asset transfer request according to the to-be-transferred asset yield, the historical transfer asset yield in the historical asset transfer record and the historical asset difference between the historical transfer asset yield and the historical negotiation asset yield in the target asset transfer record.
4. The method of claim 3, wherein determining a delta threshold corresponding to the current asset transfer request based on the to-be-transferred asset yield, the historical transfer asset yield in the historical asset transfer record, and the historical asset delta between the historical transfer asset yield and the historical negotiated asset yield in the target asset transfer record comprises:
determining a historical asset delta between a historical transfer asset yield and a historical negotiated asset yield in the target asset transfer record and an asset ratio between the historical transfer asset yield in the historical asset transfer record;
and taking the product of the to-be-transferred resource yield and the asset ratio as a difference threshold corresponding to the current asset transfer request.
5. The method of claim 3, wherein determining a delta threshold corresponding to the current asset transfer request based on the to-be-transferred asset yield, the historical transfer asset yield in the historical asset transfer record, and the historical asset delta between the historical transfer asset yield and the historical negotiated asset yield in the target asset transfer record comprises:
selecting an effective asset transfer record from the target asset transfer records according to the asset return reasons corresponding to the target asset transfer records;
and determining a difference threshold corresponding to the current asset transfer request according to the to-be-transferred asset yield, the historical transfer asset yield in the historical asset transfer record and the historical asset difference between the historical transfer asset yield and the historical negotiation asset yield in the effective asset transfer record.
6. The method of claim 1, wherein the obtaining the current asset transfer request submitted by the target user for the target transaction comprises:
acquiring a current asset transfer request submitted by a target user again aiming at a target transaction according to asset return operation of an asset receiver corresponding to the target transaction; wherein the asset return operation is an operation resulting from the asset recipient returning the historical asset transfer request submitted by the target user for the target transaction.
7. A transaction asset processing device, the device comprising:
the request acquisition module is used for acquiring a current asset transfer request submitted by a target user aiming at a target exchange;
the asset difference determining module is used for determining the current asset difference between the to-be-transferred asset yield and the target negotiation asset yield under the condition that the to-be-transferred asset yield corresponding to the current asset transfer request is identified to be inconsistent with the target negotiation asset yield corresponding to the target transaction;
the difference threshold determining module is used for determining a difference threshold corresponding to the current asset transfer request according to a historical asset transfer record between the target user and an asset receiver corresponding to the target transaction;
and the request response module is used for responding to the current asset transfer request according to the comparison result between the current asset difference and the difference threshold.
8. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 6 when the computer program is executed.
9. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.
10. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.
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